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Thread: Is health insurance REALLY necessary?

  1. #71
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    Re: Is health insurance REALLY necessary?

    Quote Originally Posted by ttwtt78640 View Post
    You are free (or maybe not) to move to one of those forward thinking countries. Medical care prices are high for many of the the same reasons that convenience store prices are high - folks are willing to pay them. If you want to see convenience store prices really soar then simply mandate that they must serve everyone regardless of their ability to pay.
    Folks aren’t “willing to pay” for the exhorbitant prices that ERs charge. They either have insurance that pays the prices (and then pass the cost on to us in the form of higher premiums) or people stiff the system (as the OP has stated). Some set up payment arrangements, but who can set up a payment arrangement for $50,000 to have a baby?

    My husband had a heart attack. His bill was $100,000. Most families would not be able to afford this kind of catastrophic bill without insurance or bankruptcy.

    As far as my moving - I am fortunate to be covered by TRICARE Prime for the rest of my life. However, I am not speaking for me. I am speaking for millions of others who are not as fortunate.

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    Re: Is health insurance REALLY necessary?

    Quote Originally Posted by Superfly View Post
    Folks aren’t “willing to pay” for the exhorbitant prices that ERs charge. They either have insurance that pays the prices (and then pass the cost on to us in the form of higher premiums) or people stiff the system (as the OP has stated). Some set up payment arrangements, but who can set up a payment arrangement for $50,000 to have a baby?

    My husband had a heart attack. His bill was $100,000. Most families would not be able to afford this kind of catastrophic bill without insurance or bankruptcy.

    As far as my moving - I am fortunate to be covered by TRICARE Prime for the rest of my life. However, I am not speaking for me. I am speaking for millions of others who are not as fortunate.
    Trusting the same government that created the "stiff the system" program (EMTALA), essentially legalized (grand) theft, to fix that by mandating folks with insurance pay more taxes with the "promise" that UHC (with any details TBD) will save them money is not a wise bet.
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  3. #73
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    Re: Is health insurance REALLY necessary?

    We paid $2,500 for an uninsured pregnancy service plan when my oldest was born. You just have to have the gumption to call around and ask. For example, if you go to Grady Hospital in Atlanta, you get reduced fees if uninsured.

    Quote Originally Posted by Superfly View Post
    Folks aren’t “willing to pay” for the exhorbitant prices that ERs charge. They either have insurance that pays the prices (and then pass the cost on to us in the form of higher premiums) or people stiff the system (as the OP has stated). Some set up payment arrangements, but who can set up a payment arrangement for $50,000 to have a baby?

    My husband had a heart attack. His bill was $100,000. Most families would not be able to afford this kind of catastrophic bill without insurance or bankruptcy.

    As far as my moving - I am fortunate to be covered by TRICARE Prime for the rest of my life. However, I am not speaking for me. I am speaking for millions of others who are not as fortunate.

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    Re: Is health insurance REALLY necessary?

    Quote Originally Posted by SDET View Post
    My health insurance lapsed a few months ago. The negotiated cash price with my primary care physician is less than my co-pay was. I have found cash based lab test providers and radiology providers that charge less than what I paid previously as a co-pay. Emergency care can't be denied for lack of insurance. My family premium would have been $1,500 per month. I now put that money in a 401-k much of which I can access if I need to penalty free (see rule of 55). A 401-k cannot be attached by a healthcare provider. All my assets are judgment proof. That means I can choose not to pay a medical bill and get away with it. Wage garnishment is illegal in Texas.
    This is insanity. God forbid one of your loved ones gets seriously ill.

    IMHO, you are not thinking this through and it's puts your family members at risk.
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    Re: Is health insurance REALLY necessary?

    Quote Originally Posted by Superfly View Post
    If it were as simple as taking a Tylenol, a highly skilled medical provider wouldn’t need to dispense it. You know full well how medication is dispensed in hospital situations. If it’s just a Tylenol that’s needed, that can be taken at home.

    Y’all are hung up on the fact that Tylenol are so cheap. You get charged more for many things you don’t realize. There is a mark-up for everything you buy. You ever look at the bill when you get your oil changed? What are shop supplies? Shop supplies are nothing. They are a known expense of running a garage, but some genius figured out a way to charge you 10% of your oil change bill for things that they previously had to pay for as a business expense.

    All the people who often have to use the ER for minor medical issues are why the cost of medicine is so high. If we had a program where everyone could be covered (like, I don’t know, most forward thinking countries) then the costs wouldn’t have to be marked up so much. They have to be able to make their lost money back somehow, so in the end, WE pay for it.

    That’s why it’s cheaper (and better) to have healthcare coverage for everybody, considering we are paying for it anyway.
    Lets say they had to treat half the people who walk into a emergency room for free. Theoretically that doubles those who pays fee, no? I presume you read that part of my previous quote. The hospitals and health care providers are ripping you and everyone off period.
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  6. #76
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    Re: Is health insurance REALLY necessary?

    Quote Originally Posted by noonereal View Post
    This is insanity. God forbid one of your loved ones gets seriously ill.

    IMHO, you are not thinking this through and it's puts your family members at risk.
    Medical City Dallas offers many forms of financial relief for patients without healthcare insurance (the "uninsured") needing emergent or non-elective services.
    Plan 1: Patient Financial Resource | Medical City Dallas

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    Re: Is health insurance REALLY necessary?

    Also, my out of pocket payment to my primary care provider went from $90 to $72 when I lost my health insurance.

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    Re: Is health insurance REALLY necessary?

    Quote Originally Posted by Superfly View Post
    Folks aren’t “willing to pay” for the exhorbitant prices that ERs charge. They either have insurance that pays the prices (and then pass the cost on to us in the form of higher premiums) or people stiff the system (as the OP has stated). Some set up payment arrangements, but who can set up a payment arrangement for $50,000 to have a baby?

    My husband had a heart attack. His bill was $100,000. Most families would not be able to afford this kind of catastrophic bill without insurance or bankruptcy.

    As far as my moving - I am fortunate to be covered by TRICARE Prime for the rest of my life. However, I am not speaking for me. I am speaking for millions of others who are not as fortunate.
    Where do you get $50K ?

    It does however make sense to have all arrangements in place 5 months in advance if possible.

    Medical City Dallas:

    OBSTETRICS - C-Section Delivery of a Newbornelivery of single live-born infant newborn through an abdominal incision (Cesarean section). $2,414 - $3,002 3 - 4 Day(s)
    OBSTETRICS - Normal Vaginal Delivery of a Newborn - Mother's Stayelivery requiring minimal or no assistance of a full term, single live-born infant newborn. $1,730 - $2,296 2 - 3 Day(s)
    OBSTETRICS - Single Liveborn Born in Hospital by Cesarean Section - Baby's Stay:Newborn delivered by cesarean section. $761 - $1,112 3 - 4 Day(s)
    OBSTETRICS - Single Liveborn Born in Hospital by Vaginal Delivery - Baby's Stay:Newborn delivered vaginally. $537 - $695 2 Day(s)
    Last edited by SDET; 08-17-19 at 09:10 PM.

  9. #79
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    Re: Is health insurance REALLY necessary?

    Quote Originally Posted by SDET View Post
    Where do you get $50K ?

    It does however make sense to have all arrangements in place 5 months in advance if possible.

    Medical City Dallas:

    OBSTETRICS - C-Section Delivery of a Newbornelivery of single live-born infant newborn through an abdominal incision (Cesarean section). $2,414 - $3,002 3 - 4 Day(s)
    OBSTETRICS - Normal Vaginal Delivery of a Newborn - Mother's Stayelivery requiring minimal or no assistance of a full term, single live-born infant newborn. $1,730 - $2,296 2 - 3 Day(s)
    OBSTETRICS - Single Liveborn Born in Hospital by Cesarean Section - Baby's Stay:Newborn delivered by cesarean section. $761 - $1,112 3 - 4 Day(s)
    OBSTETRICS - Single Liveborn Born in Hospital by Vaginal Delivery - Baby's Stay:Newborn delivered vaginally. $537 - $695 2 Day(s)
    The reason the top of that page says "Medical City Dallas offers many forms of financial relief for patients without healthcare insurance (the "uninsured") needing emergent or non-elective services" is because this is indigent care being priced below cost.

    I can't count the number times I've seen the brilliant observation "If I go uninsured, I could potentially get care priced below cost (with the remainder financed by others), ergo everyone should go uninsured!"

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    Re: Is health insurance REALLY necessary?

    Quote Originally Posted by Checkerboard Strangler View Post
    I've noticed that a lot of the most staunch conservatives on this board have some kind of loophole that they live with or live under. Either they're on some kind of disability or SSDI, or they're broke, or they're retired and on Social Security and Medicare.

    I don't wish to judge but when you're in as deep as that, is it really honest to be so anti-government and so hostile to the concept of the very benefits you yourself have earned, or even lucked into?

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