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Getbig Main Boards => Gossip & Opinions => Topic started by: Danny on February 09, 2010, 10:39:09 AM
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california's largest insurance group...how's that workin out for ya'll republicans? :)
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My wife and I have Blue Cross and Blue shield.Those SOB's are charging us $700 per months for health insurance.I was like WTF.
I didnt mind paying $450 -$500 max, but $700 that is getting to be a dam half of a mortgage payment.
I could buy a dam BMW ,or a nice Benz with that kind of money.I might drop them this is crazy.
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california's largest insurance group...how's that workin out for ya'll republicans? :)
Very well thank you. If you don't like it there's plenty of others to choose from. Now get a job and quit expecting HARDER working people to pay for you.
HOPE THIS HELPS!
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Very well thank you. If you don't like it there's plenty of others to choose from. Now get a job and quit expecting HARDER working people to pay for you.
HOPE THIS HELPS!
BOOM! awsome reply
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My wife and I have Blue Cross and Blue shield.Those SOB's are charging us $700 per months for health insurance.I was like WTF.
I didnt mind paying $450 -$500 max, but $700 that is getting to be a dam half of a mortgage payment.
I could buy a dam BMW ,or a nice Benz with that kind of money.I might drop them this is crazy.
We have Pacific Care (PPO) and pay $368.00 per month for my family. Our deductible $5000 but we're all healthy so we went for a catastrophic policy.
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Just wait till the Dems pass
socialist public health care, then prices will go way up! :-\
And like JME said, this is a free market society, so shop around and find a better deal. Ever heard of a HSA? They are great insurance options.
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An HSA, surprisingly, is still over a lot of peoples heads on how it benefits you to have one. Had one for 3 years. Saved my ass on a catastrophic surgery i needed and costs me at the most $79/mo. Was able to write off all contributions to that savings account each year. A good deal.
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An HSA, surprisingly, is still over a lot of peoples heads on how it benefits you to have one. Had one for 3 years. Saved my ass on a catastrophic surgery i needed and costs me at the most $79/mo. Was able to write off all contributions to that savings account each year. A good deal.
Yup. If I didn't have quality affordable insurance through my employer I would have an HSA.
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We have Pacific Care (PPO) and pay $368.00 per month for my family. Our deductible $5000 but we're all healthy so we went for a catastrophic policy.
Really..you have pacificare
they were brought out by United Healthcare
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We have Pacific Care (PPO) and pay $368.00 per month for my family. Our deductible $5000 but we're all healthy so we went for a catastrophic policy.
So you're telling everybody here you wouldnt be bothered if your policy rate increases by 40%, yet you went for a catastrophic policy? ???
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BOOM! awsome reply
you must be one of these guys.... :P
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368 bucks a month for a 5000 dollar deductible is absolutely ridiculous.
If anyone can't see that it's overpriced then I can't help you.
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So you're telling everybody here you wouldnt be bothered if your policy rate increases by 40%, yet you went for a catastrophic policy? ???
Sure it would bother me, but I'm not going to freak over it. It's a business. 40% of 368.00 is about $150.00 extra per month. I'm willing to pay for it.
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What we need, by hell, is the gov-ment runnin' it.....they do one kick ass job with the DMV, VA hospitals, Social security, medicare, medicaid, welfare, etc....
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Heres the thing... .If you're seriously f'ckd up.. Go commit a felony that would land you in with the white collar, farm type of areas away from the gang crowd. Make sure your house and possessions can be quickly handed over to a trusted person (maybe do that before committing the crime), then get your health issues handled during your 18month stint on the yard. At least then also two or more guards can get overtime for supervising you while in the hospital bed you're chained to. (get them their cut so they can get out and spend that extra scrilla in our down economy).
... or.. just save up monthly for that rainy day you may need to pay up for the ramifications of existence. ie. broken bones, child birth, car wrecks, etc. The state will always find a way to support and help those paying in cash or those that come into the emergency room with nothing. thats been proven in previous threads with statements from those that work in the industry.
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Sure it would bother me, but I'm not going to freak over it. It's a business. 40% of 368.00 is about $150.00 extra per month. I'm willing to pay for it.
Coach you make over 100k a year ,how about for people that make 30K.
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Coach you make over 100k a year ,how about for people that make 30K.
to him they are shitty unmotivated americans and dont deserve healthcare...they need to get off their asses and get better jobs...aint that right joe
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Coach you make over 100k a year ,how about for people that make 30K.
Go to the emergency room and read on the wall what is offered to you next time! It will cost you less than it will cost him even with his insurance paying in on the final bill!
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Coach you make over 100k a year ,how about for people that make 30K.
Does anybody in Cali actually make less than 30k a year who doesn't ask "fries with that?"
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Does anybody in Cali actually make less than 30k a year who doesn't ask "fries with that?"
Yes ,What's your point ?
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Go to the emergency room and read on the wall what is offered to you next time! It will cost you less than it will cost him even with his insurance paying in on the final bill!
Have you ever been to emergency? ;D....last time I was there I ran away within 10 seconds after walking in. ;D
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Yes ,What's your point ?
Just that I've never met anyone with a real job making 30k in Cali.
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Have you ever been to emergency? ;D....last time I was there I ran away within 10 seconds after walking in. ;D
thats too bad.. if you'd stayed around, you'd probably conclude the same things many do. Most in there should go to the urgent care or medstop. And, the signs on the wall telling of good saving to those who cant afford.
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Really..you have pacificare
they were brought out by United Healthcare
I think so, we just pay the bill every month. Wife keeps track of the coverage, even if PC was bought out, our coverage and price remained the same.
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368 bucks a month for a 5000 dollar deductible is absolutely ridiculous.
If anyone can't see that it's overpriced then I can't help you.
For 3 people and I'm almost 48 years old. IMO thats a great rate.
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For 3 people and I'm almost 48 years old. IMO thats a great rate.
thats not bad for now
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Maybe it's ok... Because it's a 5000 dollar deductible.
I pay about that price and my deductible is about 25 bucks.
So to ME... that's an expensive cost. Of course my company is probably shelling out 1/2 the cost for me, but that's my fortune.
A lot of people are not as fortunate as I am.
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Maybe it's ok... Because it's a 5000 dollar deductible.
I pay about that price and my deductible is about 25 bucks.
So to ME... that's an expensive cost. Of course my company is probably shelling out 1/2 the cost for me, but that's my fortune.
A lot of people are not as fortunate as I am.
You will never get an arguement out of me saying health care is cheap...it isn't. It's not a right but if you have a family it's a necessity. If you want it you have to pay for it. The government is trying to make you believe that "Obamacare" will be free, it's not and it's not "free" in Canada or any other socialized country, they tax the shit out of you for worse health care so in actuality you're paying more than you ever will here.
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I'm not saying it's cheap... I never had... Is it better or worse? Well, that's debatable.
I'd say the "worse" healthcare is much better than having none.
That's just my opinion though. Maybe they do tax people... I get it, but I'd rather pay for some of these socialized healthcare costs for those that can't afford ANY healthcare, than I would want to pay for a war in a desert.
I'd even think we could cut back a little on some other areas of spending to pay for it.
Just a thought.
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bottom line....if Anthem decide to increase it 40%..whats to stop them from doing whatever the fuck they want??? thats the real question. How many people will have a 40% increase in their income to keep up with that shit. Paying more for health care means you lower your life standards...and that's a fact. remember we're only talking about 40% right now..10 years from now it might as well be 80%.
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bottom line....if Anthem decide to increase it 40%..whats to stop them from doing whatever the fuck they want??? thats the real question. How many people will have a 40% increase in their income to keep up with that shit. Paying more for health care means you lower your life standards...and that's a fact. remember we're only talking about 40% right now..10 years from now it might as well be 80%.
That's what is great about Capitalism and competition. They can do what ever they want, if they want to price themselves right out of the market then so be it. People have other options.
Sometimes you just have to cut back on the wants and put your needs as a priority. How many people are out there that claim they can't pay for health care but are rolling around in a car with $8000 rims and tires? The inner city bitch about health care but can buy drugs everyday. How much for a gram of coke or speed? $40-50.00? now times that by 30days, around $12-1500.00 per month. People need to put priorities in order.
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very intelligent response...what can I say??? ::) now I see why you think Palin is qualified to be President....u speak the exact same language ::)
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very intelligent response...what can I say??? ::) now I see why you think Palin is qualified to be President....u speak the exact same language ::)
No Danny, it's commonsense.
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My wife and I have Blue Cross and Blue shield.Those SOB's are charging us $700 per months for health insurance.I was like WTF.
I didnt mind paying $450 -$500 max, but $700 that is getting to be a dam half of a mortgage payment.
I could buy a dam BMW ,or a nice Benz with that kind of money.I might drop them this is crazy.
that sucks but think of the old people and cripples who obama went and froze there sociasl security while he lines the pockets of bank and automobile fatcats. all the while pretending he's solving problems, he is the PROBLEM.
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When I had my gym I was paying about $438 per per employee who was covered. I had 9 total including me. That was about 5 years ago
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When I had my gym I was paying about $438 per per employee who was covered. I had 9 total including me. That was about 5 years ago
woah...that seems like a lot to me...but im not rich..
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No Danny, it's commonsense.
if you're referring to the first part of your post yes I agree, however to imply that people that cant afford health insurance due to high cost are all drug users it's a bit of a stretch...don't you think?
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No Danny, its not a blanket statement, but there are millions of people out there who buy crap they don't need but can't (won't) pay for insurance.
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Where else but in America can people get away with this shit? I swear most Americans have to be brainwashed or retarded!! Even with a catastrophic policy there are conditions, they'll pay 80% of costs after your deductable, but only up until a certain momentary limit (most policies are between 10,000-15,000) so let's be generous and give you 15,000...true story.. You pay for this policy for 4 years no incidents, at 338.00 a month, and thank heavens no major incidents that's already 16,224 out of pocket...well in the 5th year your child falls and compound fractures her arm at school...ambulance ride 5800, hospital stay 6400, surgery to put plate in arm 28,700 (I still have the actual statements) total is roughly 40,900 plus some micellaneous bills and PT afterwards, with checkups... But thank god we have insurance right? 40,900-5000 deductable...should only owe 7,500 right?nope insuance only pays 80% of 15000, the rest is out of pocket! So you end up paying 29,000 out of pocket, and if you add in the 16,224 you already paid into the system, you are in the hole more than if you had just saved your money to begin with!! What a fucking scam, how fucking stupid can people be?? Thankfully when all that happened I had top of the line insuance through my employer. But had I had a catastophic policy that's what it would have been like, on the end I was still out of pocket 11,000 for everything...now imagine if it were socialized like in Britain or France? I wouldve paid roughly the same 400-500 in taxes and it would have cost me NOTHING out of pocket...oh but wait, no there must be something wrong with it, it's not making some giant corporation gobs of money so it must be inferior or flawed.. Retards
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Where else but in America can people get away with this shit? I swear most Americans have to be brainwashed or retarded!! Even with a catastrophic policy there are conditions, they'll pay 80% of costs after your deductable, but only up until a certain momentary limit (most policies are between 10,000-15,000) so let's be generous and give you 15,000...true story.. You pay for this policy for 4 years no incidents, at 338.00 a month, and thank heavens no major incidents that's already 16,224 out of pocket...well in the 5th year your child falls and compound fractures her arm at school...ambulance ride 5800, hospital stay 6400, surgery to put plate in arm 28,700 (I still have the actual statements) total is roughly 40,900 plus some micellaneous bills and PT afterwards, with checkups... But thank god we have insurance right? 40,900-5000 deductable...should only owe 7,500 right?nope insuance only pays 80% of 15000, the rest is out of pocket! So you end up paying 29,000 out of pocket, and if you add in the 16,224 you already paid into the system, you are in the hole more than if you had just saved your money to begin with!! What a fucking scam, how fucking stupid can people be?? Thankfully when all that happened I had top of the line insuance through my employer. But had I had a catastophic policy that's what it would have been like, on the end I was still out of pocket 11,000 for everything...now imagine if it were socialized like in Britain or France? I wouldve paid roughly the same 400-500 in taxes and it would have cost me NOTHING out of pocket...oh but wait, no there must be something wrong with it, it's not making some giant corporation gobs of money so it must be inferior or flawed.. Retards
WOAH...
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Where else but in America can people get away with this shit? I swear most Americans have to be brainwashed or retarded!! Even with a catastrophic policy there are conditions, they'll pay 80% of costs after your deductable, but only up until a certain momentary limit (most policies are between 10,000-15,000) so let's be generous and give you 15,000...true story.. You pay for this policy for 4 years no incidents, at 338.00 a month, and thank heavens no major incidents that's already 16,224 out of pocket...well in the 5th year your child falls and compound fractures her arm at school...ambulance ride 5800, hospital stay 6400, surgery to put plate in arm 28,700 (I still have the actual statements) total is roughly 40,900 plus some micellaneous bills and PT afterwards, with checkups... But thank god we have insurance right? 40,900-5000 deductable...should only owe 7,500 right?nope insuance only pays 80% of 15000, the rest is out of pocket! So you end up paying 29,000 out of pocket, and if you add in the 16,224 you already paid into the system, you are in the hole more than if you had just saved your money to begin with!! What a fucking scam, how fucking stupid can people be?? Thankfully when all that happened I had top of the line insuance through my employer. But had I had a catastophic policy that's what it would have been like, on the end I was still out of pocket 11,000 for everything...now imagine if it were socialized like in Britain or France? I wouldve paid roughly the same 400-500 in taxes and it would have cost me NOTHING out of pocket...oh but wait, no there must be something wrong with it, it's not making some giant corporation gobs of money so it must be inferior or flawed.. Retards
excellent post. For those of you interested here's a great article.
http://news.bbc.co.uk/2/hi/americas/8474611.stm (http://news.bbc.co.uk/2/hi/americas/8474611.stm)
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to him they are shitty unmotivated americans and dont deserve healthcare...they need to get off their asses and get better jobs...aint that right joe
Yeah, he's talking about guys like me who go to college, can't get any better jobs because they don't exist, and don't get health care because our current jobs are owned by money grubbing republicans. I have allergy related asthma. I also have a very mild kidney condition that my docs check on once per year, and they have gone on record (in the hopes of getting me more affordable coverage) saying it is something that will not cause future problems. I have to pay 400 a month for JUST ME. I am an example of the poor getting poorer even though I do everything the republicans say we should be doing: getting an education and working hard. I fail to see where the system is NOT failing.
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Yeah, he's talking about guys like me who go to college, can't get any better jobs because they don't exist, and don't get health care because our current jobs are owned by money grubbing republicans. I have allergy related asthma. I also have a very mild kidney condition that my docs check on once per year, and they have gone on record (in the hopes of getting me more affordable coverage) saying it is something that will not cause future problems. I have to pay 400 a month for JUST ME. I am an example of the poor getting poorer even though I do everything the republicans say we should be doing: getting an education and working hard. I fail to see where the system is NOT failing.
Bro...i was takin the oppositions pov....i totally know where you are coming from...my heart goes out to you because of that..this is a fucked up system...
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Bro...i was takin the oppositions pov....i totally know where you are coming from...my heart goes out to you because of that..this is a fucked up system...
oh, i know ;) , i'm not THAT stupid. But think of it this way. if i had an extra 400 a month, i'd at LEAST go out to dinner more often. I can't think of a better way to stimulate the economy than to go to localy owned restaurants/businesses and put money into them.
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...but if my insurance carrier knew I was going out to dinner and eating unhealthy foods, they'd probably increase my rates :'(
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It's pretty fucked up how brainwashed you American's are.. this is a CRIME! Be afraid of the govt having a hand in your health care as they are doing such a horrible job with the police dept, fire dept, etc (sarcasm)
::)
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If you're in college and don't have insurance you should be able to get it pretty inexpensive throught the school. If not you are can still be on your parents policy as long asd you're still in school.
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In all honesty... people who think the current system is "good" are absolutely insane.
It's "passable" at best... and only if you have the money to afford it.
People like me... We are advocating for those who are less fortunate than we are... We can make it with the current system... Many people can not. The part I so don't understand is how someone can talk about how "good" their insurance is.
It's a pay source... Nothing more.
Stop swinging from the Insurance company nuts.
You can't even bring up "competition", because there is absolutely ZERO competition when it comes to Health Insurers... Period.
You get maybe 1 -3 large ones per state... That's it.
My big question is this. Why are the Republicans so busy talking about their "proposed" solutions to healthcare now, when they had the legislative and the executive branch locked up for 8 years and didn't bother to do anything about it?
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We have Pacific Care (PPO) and pay $368.00 per month for my family. Our deductible $5000 but we're all healthy so we went for a catastrophic policy.
If two people, or a family are healthy it makes sense to have a policy like that..Having a policy that you really don't use doesn't make much sense either..
I had a 22 dollar policy from the time i was 18 to age 24..It was similar to joe's...It was all i need ed and nothing more..
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Its ok they wont let you die just go to the emergency room, dont pay anything.
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If you're in college and don't have insurance you should be able to get it pretty inexpensive throught the school. If not you are can still be on your parents policy as long asd you're still in school.
back at a JC doing some lower level classes to qualify for a masters program. they don't offer insurance, and i'm 27 so a cobra plan isn't an option.
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Where else but in America can people get away with this shit? I swear most Americans have to be brainwashed or retarded!! Even with a catastrophic policy there are conditions, they'll pay 80% of costs after your deductable, but only up until a certain momentary limit (most policies are between 10,000-15,000) so let's be generous and give you 15,000...true story.. You pay for this policy for 4 years no incidents, at 338.00 a month, and thank heavens no major incidents that's already 16,224 out of pocket...well in the 5th year your child falls and compound fractures her arm at school...ambulance ride 5800, hospital stay 6400, surgery to put plate in arm 28,700 (I still have the actual statements) total is roughly 40,900 plus some micellaneous bills and PT afterwards, with checkups... But thank god we have insurance right? 40,900-5000 deductable...should only owe 7,500 right?nope insuance only pays 80% of 15000, the rest is out of pocket! So you end up paying 29,000 out of pocket, and if you add in the 16,224 you already paid into the system, you are in the hole more than if you had just saved your money to begin with!! What a fucking scam, how fucking stupid can people be?? Thankfully when all that happened I had top of the line insuance through my employer. But had I had a catastophic policy that's what it would have been like, on the end I was still out of pocket 11,000 for everything...now imagine if it were socialized like in Britain or France? I wouldve paid roughly the same 400-500 in taxes and it would have cost me NOTHING out of pocket...oh but wait, no there must be something wrong with it, it's not making some giant corporation gobs of money so it must be inferior or flawed.. Retards
You know what your post makes to much damn sense....
Joe Marino will still find a way to refute your perspective on universal healthcare..Even though he has a similar insurance policy that you held while this unfortunate event occurred.
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Where else but in America can people get away with this shit? I swear most Americans have to be brainwashed or retarded!! Even with a catastrophic policy there are conditions, they'll pay 80% of costs after your deductable, but only up until a certain momentary limit (most policies are between 10,000-15,000) so let's be generous and give you 15,000...true story.. You pay for this policy for 4 years no incidents, at 338.00 a month, and thank heavens no major incidents that's already 16,224 out of pocket...well in the 5th year your child falls and compound fractures her arm at school...ambulance ride 5800, hospital stay 6400, surgery to put plate in arm 28,700 (I still have the actual statements) total is roughly 40,900 plus some micellaneous bills and PT afterwards, with checkups... But thank god we have insurance right? 40,900-5000 deductable...should only owe 7,500 right?nope insuance only pays 80% of 15000, the rest is out of pocket! So you end up paying 29,000 out of pocket, and if you add in the 16,224 you already paid into the system, you are in the hole more than if you had just saved your money to begin with!! What a fucking scam, how fucking stupid can people be?? Thankfully when all that happened I had top of the line insuance through my employer. But had I had a catastophic policy that's what it would have been like, on the end I was still out of pocket 11,000 for everything...now imagine if it were socialized like in Britain or France? I wouldve paid roughly the same 400-500 in taxes and it would have cost me NOTHING out of pocket...oh but wait, no there must be something wrong with it, it's not making some giant corporation gobs of money so it must be inferior or flawed.. Retards
only in America
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only in America
That's exactly what the article I posted earlier talks about. It's like people that are affected the most are voting against any change to the current system and being very vocal about it. Mass brainwashing effect at its best. :o
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Insurer Denies Life-Prolonging Treatment To Five-Year-Old Boy With Cancer
Kyle Van Nocker One of the worst abuses of private insurance companies is the practice of using spurious reasons to deny claims for medical treatments, which are often necessary for saving patients’ lives.
Kyler Van Nocker’s story shows that even 5-year-old kids are not exempt from this insurance company abuse. Van Nocker has neuroblastoma, which is a very rare form of childhood cancer that targets the nervous system and creates tumors throughout the body.
Due to successful treatment in 2007, Van Nocker’s cancer went into remission, giving him 12 months of pain-free life. Unfortunately, in Sept. 2008, the cancer returned, and Van Nocker was once again in need of treatment. Unfortunately, his health insurer, HealthAmerica, refused to pay for one form of treatment doctors believe could save his life (MIBG treatment) because they consider it “investigational/experimental” since it has yet to be approved by the FDA.
Yet in April 2008, the insurer approved cheaper treatment for Van Nocker that was also “experimental,” prompting Philadelphia Daily News columnist Ronnie Polaneczky to ask, “So why, pray tell, is HealthAmerica playing the ‘experimental therapy’ card in the case of the MIBG treatment Kyler now needs? Gee, money couldn’t have anything to do with the decision, could it?”
Van Nocker’s parents are suing HealthAmerica, citing the fact that the company has apparently been dishonest about its criteria for the types of treatment it will cover and is denying payment for treatment in this case because of the high cost of the procedure — $110,000 pays for only two rounds of MIBG treatment. “These companies have to be brought to the courthouse to get them to do the right thing,” says the VanNockers’s family attorney. “This child needs this treatment, or else.”
The sad truth is that Van Nocker is certainly not alone in having his claim denied by a major health insurer. The California Nurses Association (CNA), a nurses’ union and health care advocacy group, recently released a comprehensive study of claims denials across California. The study found that the six largest insurers in California rejected 47.7 million claims in the first half of 2009, nearly 22 percent of all claims submitted.
The United States is the only industrialized nation without cradle-to-the-grave, universal health care. In no other developed country would a child with cancer have to go without care because an insurance company decided it was not profitable enough to cover him.
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I pay $200.00 per month and have a $500 deductible, last time I went to the ER the insurance company tried to say that it wasn't an emergency and wanted me to pay the $500 deductible plus 20% of the bill, even though I needed to be put on an IV for three hours. It took me about two months of fighting with them but I finally got them to cover it. The current system is a total scam and over the course of a lifetime you will put way more money into it than you will get out in benefits. So now lets see, if we go to a national health care system and my taxes go up, I will still come out ahead money wise. Our health care system used to be good, but in the last decade it went to absolute shit. I still remeber getting $7.10 taken out of my check every week for a PPO, then it went to $28, then an insurance company change and it going up to $45 per week for a policy with a $1000 deductible, and this is all through an employer.It used to be that if you worked full time you pretty much didn't have to worry about your health care coverage, so yeah not everyone that isn't happy with our current system is an unemployed welfare leech.