Announcement

Collapse
No announcement yet.

Insurance Insanity & Craziness

Collapse
X
 
  • Filter
  • Time
  • Show
Clear All
new posts

  • Insurance Insanity & Craziness

    Insurance Insanity & Craziness. What a racket.
    Dangler
    Senior Administrator
    ☼ Wizard ☼
    White Tiger Award 2015
    Last edited by Dangler; 05-06-2017, 12:33 AM.

  • #2
    Insurance Insanity, crazy !

    See how good its is to live in England, we don't have any of this shit paying out thousands of your lovely dollar's each whether your sick on not, all our working lives we pay each week and that is matched by our employers and some times more than we do, all because of the UK's NHS we can just walk in and get seen to for anything, non of this being asked for what kind if insurance we have.

    But never mind you now have Trump care, just what you need and more money in his pocket from kick backs.

    NOWHARD
    Last edited by NOWHARD; 05-06-2017, 12:54 AM.

    Comment


    • #3
      Originally posted by NOWHARD View Post
      See how good its is to live in England, we don't any of this shot paying out thousands of your lovely dollar's each whether your sick on not, all our working lives we pay each week and that is matched by our employers and some times more than we do, all because of the UK's NHS we can just walk in and get seen to for anything, non of this being asked for what kind if insurance we have.

      But never mind you now have Trump care, just what you need and more money in his pocket from kick backs.

      NOWHARD
      You're making an awful lot of assumptions about something that's unclear right now. If Obamacare was a thing when I had my surgery, I'd be a cripple, because I would not have gotten the care that I needed at the time. Having said that, I have no freaking idea what's replacing it. Trump seems to be very fond of Canada's single-payer system, which, if you actually know any Canadians, is not bad at all. People (usually non-Canadians) always complain about the "wait times" ... and yet I see my dad, who is self-employed and paying damn near $1500 a month for insurance, sometimes has to wait 2 months to see a doctor. So I don't really think that's an argument. If you have an emergency, they still see you right away over people who aren't in a dire situation. My ex's family is from Canada and they've never had an issue with doctor visits, surgery, or anything else for that matter. All I'm hoping is it's better, not worse, than Obamacare.
      Jaw Breaker
      Senior Member
      Last edited by Jaw Breaker; 05-05-2017, 03:04 PM.

      Comment


      • #4
        I realise I'm about to sound extremely dumb and borderline ignorant of other countries' health-care policies....but

        In the UK, if something is wrong, heath-wise - you go to hospital/doctor, and need to get seen/operated/etc - there's no additional cost (there might be a waiting period due to demand). It's included in the tax you have paid through work etc previously. But you can also elect to 'go private' - get seen quicker and dealt with but that's depending if the individual chooses to personally pay or has previously made arrangements with a private healthcare company.

        Regardless of that though, you can still get the necessary medical treatment (of practically any form for 'free' )

        How does this differ from the USA? (for example)
        Start: Jan '17. Current: BPEL: +0.9" EG: +0.47"

        Comment


        • #5
          Originally posted by LJMatey View Post
          How does this differ from the USA? (for example)
          We pay monthly for medical insurance ... usually anywhere from a few hundred dollars a month up to over a grand a month, depending on the situation. On top of that, there is usually a deductible, which is the amount of money you need to pay out of pocket before the insurance starts paying anything. For mine, it's a $2500 deductible, so I'll need to incur $2500 worth of medical bills before the insurance that I'm already paying for actually pays for anything. After the deductible is met, the amount the insurance will pay varies from insurance to insurance. Some will pay 50% and some will pay 70% or even higher. The better the insurance, the more the insurance costs per month. Or if you're self-employed, companies just like to gouge you. So right now if I was paying out of pocket for my insurance instead of getting it through work, I'd be paying $9600 a year (my insurance through work is $800 a month) on top of having to spend the $2500 dollar deductible. So if I don't get sick all year or have anything bad happen, I'm spending almost 10 grand a year regardless. It's basically ridiculous. Some really crappy insurance has terrible deductibles, like 10 grand.

          That is only one example. There's such a variety of craptastic options it's hard to sum them all up. What's even better is that people that are broke get even better insurance than middle class folk. Around here they have something called AHCCCS, which I had prior to Obamacare (it's still around, but I don't qualify) and they pay for damn near everything for free. Basically if you're not broke, rich, or have some sort of special circumstance, insurance is ridiculous. What's annoying is when you apply for medical assistance, at least where I live, they go by income only, regardless of your bills. So even if you're paying out 90% of your income every month and can't afford insurance, they'll just assume you can afford insurance cuz of your income. The whole system is incredibly irritating. You also get a penalty fee for not having insurance even if you can't afford it, and that fee multiplies every year.

          So yeah, I'd rather have worse wait times than the shit-fest that is the current health care system, if it meant I wasn't going to be bent over for health care.
          Jaw Breaker
          Senior Member
          Last edited by Jaw Breaker; 05-05-2017, 03:34 PM.

          Comment


          • #6
            I hear Trumpcare has exclusions for pre-existing conditions...like rape!

            Any truth?
            The name's Tamora...TVR Tamora...with a capital "T".

            Lots of living to do yet unseen and a more stories yet untold!

            Comment


            • #7
              Interesting. Health care, Trumpcare, a topic on the Glenn Beck show today. Y'a, y'a, I know, Glen Beck! Go ahead and listen to the media hype about him, you know, the mainstream media, same guys that had Hillary in the White House before the election. I challenge anyone to listen to Glen for a week and then disrespect him. Go ahead, I dare y'a!

              Anyway, his point today was that the USA, if Trumpcare is past is doomed. Surprised ! Glenn is against Trumpcare? Why? Because it places government in a place of authority over everyone where health care issues are involved, forever!

              There was a time, younglings have no idea, when desicions were made by the patient and their doctor. Not anymore, forever! No insurance company negotiating with the drug companies who are now in bed with each other. So now add big brother, big brother is the one with the gun, the IRS, the Justice Department, the Attorney General. It's a slippery slope to socialism, to communism, to fascism, France?, you listening? But here we go.
              A prayer, is kinda the same as a "Like". If there are enough likes, God will take notice. So "Like" away please. My daughter needs your prayers. Thank You.

              Comment


              • #8
                Originally posted by Tamora View Post
                I hear Trumpcare has exclusions for pre-existing conditions...like rape!

                Any truth?
                No. If you have had continuous insurance, coverage and change companies , like I did this year, there is no upcharge. The insurance companies under Obamacare were forced to treat all new customers equally, meaning rates. So a perfectly healthy applicant who was previously uninsured would get the same premium as a that same applicant that was on deaths door. In other words, the insurance company was being forged to accept new "customers", knowing full well they were going to take a big loss. Well guess what? Of course, everyone's rate went up, dah.
                A prayer, is kinda the same as a "Like". If there are enough likes, God will take notice. So "Like" away please. My daughter needs your prayers. Thank You.

                Comment


                • #9
                  What part was off topic?
                  The name's Tamora...TVR Tamora...with a capital "T".

                  Lots of living to do yet unseen and a more stories yet untold!

                  Comment


                  • #10
                    Maybe I'll start my own thread.
                    The name's Tamora...TVR Tamora...with a capital "T".

                    Lots of living to do yet unseen and a more stories yet untold!

                    Comment


                    • #11
                      I'm not seeing where it's off topic. It's a thread about medical insurance started by what looks to most likely be a spam bot. The fact that this thread has blossomed into an actual discussion is a good thing, imo.

                      Comment


                      • #12
                        :d
                        Dangler
                        Senior Administrator
                        ☼ Wizard ☼
                        White Tiger Award 2015
                        Last edited by Dangler; 05-06-2017, 12:07 AM.
                        Valued Member of 11 years at the TheBiohacker
                        Looks are deceiving, mirrors don't lie.

                        Comment


                        • #13
                          Insurance Insanity, crazy !

                          Insurance Insanity, have at it !
                          Dangler
                          Senior Administrator
                          ☼ Wizard ☼
                          White Tiger Award 2015
                          Last edited by Dangler; 05-05-2017, 11:55 PM.

                          Comment


                          • #14
                            So you'd rather the thread just die than to continue the discussion at hand? Cuz that's pretty much what's going to happen. I guess Tamora can start a new thread ... or you can simply re-title this one. I guess I'm just not seeing the need for moderation here. Nobody is doing anything wrong. Sometimes the foot of power doesn't need to be put down. Seems like everyone was having a fairly civil discussion. Anyway I'll shut up now.
                            Jaw Breaker
                            Senior Member
                            Last edited by Jaw Breaker; 05-05-2017, 11:40 PM.

                            Comment


                            • #15
                              Have fun TeddyBear !

                              Similar content consolidated to its own thread.
                              Dangler
                              Senior Administrator
                              ☼ Wizard ☼
                              White Tiger Award 2015
                              Last edited by Dangler; 05-06-2017, 12:39 AM.
                              Valued Member of 11 years at the TheBiohacker
                              Looks are deceiving, mirrors don't lie.

                              Comment

                              Working...
                              X