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 Post subject: Finally! Now everyone can afford healthcare!
PostPosted: Tue Oct 01, 2013 4:44 pm 
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Wow!
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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Tue Oct 01, 2013 6:35 pm 
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Yeah, pretty much.


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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Wed Oct 02, 2013 10:40 am 
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If only it was more like that one day, when Rome was built.

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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Wed Oct 02, 2013 12:12 pm 
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And pixie dust!


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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Thu Oct 03, 2013 1:51 pm 
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Fact: Insurance is not healthcare.


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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Fri Oct 04, 2013 9:10 am 
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Against the Affordable Care Act? I am looking into it. I may actually be able to provide insurance for my employees one day. Not tomorrow but hopefully soon.

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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Fri Oct 04, 2013 10:57 am 
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quasar wrote:
Against the Affordable Care Act? I am looking into it. I may actually be able to provide insurance for my employees one day. Not tomorrow but hopefully soon.


I'm pretty happy that I'll be able to afford health insurance for the first time in over six years, since my jobs don't provide it, and previous to the ACA there wasn't much competition for private health insurance for individuals in Kentucky, so prices were ridiculous. Already, looking at the KYNECT exchange (thank you, Steve Beshear for growing a pair and accepting the ACA and the Medicaid expansion), I've found some affordable options to get myself covered.

I feel really sorry for any uninsured people who live in states who've rejected the Medicaid expansion. It is completely insane, not to mention morally deficient, to deny decent working people a chance to better their health.


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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Fri Oct 04, 2013 11:31 am 
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My only concern with the Affordable Healthcare Act, at least insomuch as I understand it, as that it doesn't really seem to address the root problem, which would be some sort of healthcare cost regulation. I've been told that the AHA should spark some sort of competition between various insurance companies, and supposing that happens I'll be less reserved about the entire affair.

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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Fri Oct 04, 2013 1:54 pm 
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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Sat Oct 05, 2013 10:32 am 
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I have full coverage insurance on my vehicle.

Problem is, I need a new battery, brakes, wiper blades, hoses and belts and now matter how much I wish for it to happen, my insurance is never ever going to make those things more affordable. $130 for a battery is $130 for a battery, whether I have insurance or not. If I don't have that $130, I am shit out of luck and will be receiving no battery.


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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Sat Oct 05, 2013 10:57 am 
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...that's not exactly how health insurance works.


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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Sun Oct 06, 2013 9:34 am 
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I'm aware.
But it makes the point, doesn't it?
Sure, insurance gets you in the door...but there are deductibles and co pays, etc......and no money means no money, with or without insurance.
I think the problem with people understanding this is that they don't know what it's like to be poor or it's been so long since they were that they've forgotten the limiting realities of it.

Forcing people to buy insurance does not magically equate "now everyone can afford healthcare".

And let's not forget that in preparation for this law, in the past year, payroll taxes and existing insurance already went up and up and up. Compared to this time last year, we are missing several hundred dollars a month for these things alone! Then, the cost of everything else goes up and voila! Now you're working the same, bringing home less and getting hit with higher bills....and now a whole new bill. I mean fuck. Enough is enough.

I really, sincerely hope that this whole thing ends up peachy for everyone.


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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Sun Oct 06, 2013 11:25 am 
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SEVERS wrote:
I'm aware.
But it makes the point, doesn't it?


No, it doesn't make a point. It distorts the point.

Car insurance covers you fucking up your car or someone else fucking up your car (I've totaled or had someone else total three of my cars, I understand very well how this process works). As someone with type 1 diabetes, my health insurance keeps me alive. Yes, I have doctors bills but I get a sweet deal on prescriptions that would otherwise leave me bankrupt ($60/month vs. $1000/mo) and it takes a little sting off seeing my specialist every 3-4 months. I get my insulin pen needles for free. F R E E . And believe it or not, my doctors work with me to pay for office visits.

I've had altercations with health care professionals who didn't understand how much medical care cost me even with insurance (which is why I went a year without seeing anybody until they absolutely refused to refill my prescriptions without an appointment). I told my endocrinologist, to her face, that I didn't believe they'd find a cure for diabetes because there's too much money in it. I'm one of "those."

My private insurance goes up anywhere between 9-24.9% every year. When I applied for individual insurance in 2002, when leaving my parents' plan, they said, "by law, we have to offer you insurance. It doesn't have to be cheap and it doesn't have to cover much." Oh, wow, guys, thanks for that. But you know, it's better than dying so.

I checked out the Kentucky exchanges just to see what they could do for me. As an independent contractor my income fluctuates but just using the initial calculator, I would stand to pay a lower monthly premium than I do now (even before my premium increases again next month). I don't know what the deductible and prescription benefit is but it's something work looking into... for me. And they cannot deny me coverage for having a pancreas that quit on me when I was 18.

Sure, it's not perfect, but it's GOT to be better than what's out there now.

When an uninsured person goes to the ER and gets their life saved and cannot afford it, you pay for it in your taxes already. This will save on those costs.


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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Mon Oct 07, 2013 7:02 am 
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adie wrote:
When an uninsured person goes to the ER and gets their life saved and cannot afford it, you pay for it in your taxes already. This will save on those costs.


Or when an uninsured person goes to the ER for non-emergencies that should have been handled, cheaply, by a PCP. Ask anyone at the UL ER how many clients they get like that.


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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Mon Oct 07, 2013 8:50 am 
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Robert wrote:
adie wrote:
When an uninsured person goes to the ER and gets their life saved and cannot afford it, you pay for it in your taxes already. This will save on those costs.


Or when an uninsured person goes to the ER for non-emergencies that should have been handled, cheaply, by a PCP. Ask anyone at the UL ER how many clients they get like that.


Yes, that, too.


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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Mon Oct 07, 2013 4:43 pm 
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I'm pretty excited about it. I qualify for free health insurance, which means I'll never have to worry about going to the emergency room for something that isn't an emergency ever again. It also means I don't have to see the shitty doctors at the Family Health Centers anymore. It's not perfect, and the legislation that made it possible needs some tweaking. Maybe our elected officials can pull their heads out of their asses and cut costs for the irresponsible drug war so that they can find the money for valuable and popular public boons in the long run. (Probably not.) In the meantime, millions of people will be able to get real healthcare.

I registered - it's open enrollment time right now. They apparently will assist with the medical bills of folks in your household who have recently passed away, according to the Kentucky Online Gateway registry. I like that. They also allow you to register to vote during the screening process, which is pretty smart.

So yeah...basically, if you qualify, you have healthcare now.

Quote:
Sure, insurance gets you in the door...but there are deductibles and co pays, etc......and no money means no money, with or without insurance.
I think the problem with people understanding this is that they don't know what it's like to be poor or it's been so long since they were that they've forgotten the limiting realities of it.


I have directly transported people on the Medicaid program for the past 6 years. They're broke, but they get care. Actually, while the quality of their care isn't four star, they actually have better access to comprehensive healthcare than somebody working at McDonalds part time. Medicaid expansion covers those people now. So...I think you're in need of research.

Quote:
Forcing people to buy insurance does not magically equate "now everyone can afford healthcare".


There are bronze plans that cost $32 a month. That's like...what, 12 dollars less than a 30 pack of Bud Light or something? A tank of gas? Yeah...I mean, there are probably people out there who are caught in some small financial window where they make just enough to not qualify for Medicaid or a free plan, but I think that it's still feesible. Yeah, you've gotta deal with co-pays...but what's worse: a $75 dollar doctor's visit or a $800 emergency room bill?

It doesn't magically equate to anything, but it's a dramatic improvement from no coverage at all.

Quote:
And let's not forget that in preparation for this law, in the past year, payroll taxes and existing insurance already went up and up and up. Compared to this time last year, we are missing several hundred dollars a month for these things alone! Then, the cost of everything else goes up and voila! Now you're working the same, bringing home less and getting hit with higher bills....and now a whole new bill.


Dude, everybody is fucking everyone else over all the time. 12 oz cans are shrinking to 11.7. I don't know if you've noticed (you probably have), but everything is going up. Wouldn't you rather recieve something good that you should be entitled to anyway? The alternative is to get fucked over on payroll taxes for more drones and more War on Drugs®. I would much rather see a benefit from that money rather than know that I'm paying more taxes for something horrible for no reason. (And before you try and tell me that's not the case, you know it to be true - the government only expands, it doesn't shrink, and it doesn't matter what party is pulling the reigns. Better to recieve healthcare and watch the NSA expand than to watch the NSA expand and receive not benefits at all.)


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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Mon Oct 07, 2013 5:00 pm 
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no fun wrote:
So...I think you're in need of research.


no fun wrote:
Yeah, you've gotta deal with co-pays...but what's worse: a $75 dollar doctor's visit or a $800 emergency room bill?


YEA!


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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Wed Oct 23, 2013 10:47 pm 
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Just to clarify a few things about health insurance vs cost of healthcare:

1. When an uninsured person goes to the ER, they are responsible for 100% of the charges that the hospital bills. When an insured person goes to the ER, the insurance carrier has negotiated rates with the hospital to reduce the amount that the hospital will receive in payment as their potential for more customers has increased.

2. When an uninsured person goes to the ER and they don't pay 100% of the charges, those unpaid bills are rolled into the next years charge and cost for ER visits. It isn't paid by taxes, it is one of the various factors that drive up the cost of actual healthcare. If you wanted to blame the rising cost of the actual healthcare portion on anyone, it would maybe be Ronald Reagan for requiring hospitals to treat all patients in the ER whether they had insurance or not without addressing the issue of someone not having insurance.

3. If you are diabetic, you really should see your endocrinologist at least twice a year.

4. Health insurance, while it does have deductibles and co-pays, creates a benefit as listed in 1. Where a hospital may charge you $1,000 for an ER visit, they contract with insurance for $500. That means if you do have a deductible, you aren't responsible for $1,000, rather, $500. $500 is still a lot of money, but it is less than if you didn't have insurance.


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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Wed Oct 23, 2013 10:50 pm 
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Salena wrote:
.
3. If you are diabetic, you really should see your endocrinologist at least twice a year.


Thanks, mom.


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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Wed Oct 23, 2013 10:55 pm 
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Sorry, Adie. I'm also a type 1 diabetic that neglected the doctor visits and such. Then I started having low-sugar seizures. I learned my lesson.


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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Wed Oct 23, 2013 11:16 pm 
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It's just a knee jerk reaction to people trying to tell me how to manage my situation. I've been Type 1 for almost 15 years and grew up with two type-1 sisters.


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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Wed Oct 23, 2013 11:25 pm 
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That sounds like the (potential) opposite of my experiences with back surgery and related medical expenses (neurosurgeon visits, anesthesiologists, MRI, and getting some epidurals). It took a year of fighting until insurance came through finally, but prior to that everyone involved (doctors, nurses, hospital staff) told me that I could negotiate lower rates than what they would charge insurance if my carrier ended up refusing all claims.

Salena wrote:
4. Health insurance, while it does have deductibles and co-pays, creates a benefit as listed in 1. Where a hospital may charge you $1,000 for an ER visit, they contract with insurance for $500. That means if you do have a deductible, you aren't responsible for $1,000, rather, $500. $500 is still a lot of money, but it is less than if you didn't have insurance.

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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Wed Oct 23, 2013 11:30 pm 
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I'd be curious as to what procedures your doctors were performing that insurance refused to cover. Especially if it is related to your back.


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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Wed Oct 23, 2013 11:57 pm 
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adie.....I totally had this gigantic message about my battle and ownership of the type 1 diabetes typed up but the server would not have it. If you have those sugar levels under control. If your yearly A1C is good, you check your sugar level regularly, etc, etc....then work something out with your endo. No reason to tell her that the system is horrible...just explain your situation. If your readings are good when you do see her....then keep up doing what you are doing, be aware of the fluctuations in symptoms(because now my low levels make me sleepy and my high levels make me sweaty),...then keep doing what you are doing...your doc knows the system is bad. Until the system requires patients to adhere to doctors orders and doctors to treat the illness and not the symptoms, it is going to be messed up


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 Post subject: Re: Finally! Now everyone can afford healthcare!
PostPosted: Thu Oct 24, 2013 12:52 am 
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Microdiscectomy on L5/S1. Insurance was saying over and over that it was pre-existing before relenting.

Salena wrote:
I'd be curious as to what procedures your doctors were performing that insurance refused to cover. Especially if it is related to your back.

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