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Getbig Main Boards => Gossip & Opinions => Topic started by: Eyeball Chambers on July 24, 2017, 05:38:17 PM

Title: Should I cancel my health insurance?
Post by: Eyeball Chambers on July 24, 2017, 05:38:17 PM
I'm 36, health as all hell. Natural, no drugs or alcohol. Insurance costs me $375/ mo.

Waste of money, and I hate subsidizing old poor people and the urban community.


???
Title: Re: Should I cancel my health insurance?
Post by: oldtimer1 on July 24, 2017, 05:52:37 PM
Where do you get insurance that cheap?  Do you get a subsidy? My insurance is a standard in NJ Blue cross Horizon and it's over 15K a year.
Title: Re: Should I cancel my health insurance?
Post by: robcguns on July 24, 2017, 05:54:43 PM
I'm 36, health as all hell. Natural, no drugs or alcohol. Insurance costs me $295/ mo.

Waste of money, and I hate subsidizing old poor people and the urban community.


???

That is cheap,I would keep it cause when you don't have it you will need it.
Title: Re: Should I cancel my health insurance?
Post by: Coach is Back! on July 24, 2017, 06:11:14 PM
No matter what happens with  health care we are switching to Medishare.
Title: Re: Should I cancel my health insurance?
Post by: robcguns on July 24, 2017, 06:17:00 PM
No matter what happens with  health care we are switching to Medishare.

Christian healthcare?just looked it up,any good?
Title: Re: Should I cancel my health insurance?
Post by: Irongrip400 on July 24, 2017, 06:32:39 PM
Keep it. Insurance man, for in case shit happens. You don't want to get in a wreck and go bankrupt because you don't have medical insurance. In life, it's just a cost of doing business.
Title: Re: Should I cancel my health insurance?
Post by: Eyeball Chambers on July 24, 2017, 06:59:59 PM
Where do you get insurance that cheap?  Do you get a subsidy? My insurance is a standard in NJ Blue cross Horizon and it's over 15K a year.

No, it's a professional organization plan.
Title: Re: Should I cancel my health insurance?
Post by: Palumboism on July 24, 2017, 07:00:37 PM
I'm 36, health as all hell. Natural, no drugs or alcohol. Insurance costs me $295/ mo.

Waste of money, and I hate subsidizing old poor people and the urban community.


???

The whole point of insurance is to have a safety net in case the worst happens.  


Title: Re: Should I cancel my health insurance?
Post by: Eyeball Chambers on July 24, 2017, 07:00:55 PM
Keep it. Insurance man, for in case shit happens. You don't want to get in a wreck and go bankrupt because you don't have medical insurance. In life, it's just a cost of doing business.

Good point, I'm just getting frustrated with useless people lol
Title: Re: Should I cancel my health insurance?
Post by: NelsonMuntz on July 24, 2017, 07:01:02 PM
someone in my family has been in the hospital almost 4 weeks, luckily we are in canada on that part, however he has no drug plan so I don't know how he is going to manage the medications after which are probably going to be sky high

people have this misconception that health care in Canada is free, its not, we pay a shitload of taxes in this country and if you make a certain amount of income over I beleive $75,000 or $100,000 plus they add a health care levy that is in the several 1000's

Good part is yes, if you are hospitalized you are covered but the wait times for operations runs into months and years in some cases which is why those that can afford it go to other countries like the US etc and pay for it upfront
Title: Re: Should I cancel my health insurance?
Post by: Eyeball Chambers on July 24, 2017, 07:01:48 PM
The whole point of insurance is to have a safety net in case the worst happens.  

Yes, but your premium should be proportionate to the liability you bring to the table. Not every dead beat in the country.
Title: Re: Should I cancel my health insurance?
Post by: Straw Man on July 24, 2017, 07:04:51 PM
I'm 36, health as all hell. Natural, no drugs or alcohol. Insurance costs me $295/ mo.

Waste of money, and I hate subsidizing old poor people and the urban community.


???

yes definitely cancel it

there is no chance of you getting into a car accident, breaking and arm or leg, getting injured in any way or getting cancer

Title: Re: Should I cancel my health insurance?
Post by: Palumboism on July 24, 2017, 07:09:28 PM
Yes, but your premium should be proportionate to the liability you bring to the table. Not every dead beat in the country.

Sorry, but $295 a month is not at all a high premium for health insurance.  Obama care screwed everyone buying their own insurance. 
Title: Re: Should I cancel my health insurance?
Post by: calfzilla on July 24, 2017, 07:14:27 PM
Keep it. Insurance man, for in case shit happens. You don't want to get in a wreck and go bankrupt because you don't have medical insurance. In life, it's just a cost of doing business.

This. If anything go with a high deductible plan to cover you for major catastrophic illnesses. But 300 a month is not bad.
Title: Re: Should I cancel my health insurance?
Post by: Marty Champions on July 24, 2017, 08:04:21 PM
over 3k a year to pay for bums

Title: Re: Should I cancel my health insurance?
Post by: HTexan on July 24, 2017, 08:29:51 PM
I'm 36, health as all hell. Natural, no drugs or alcohol. Insurance costs me $295/ mo.

Waste of money, and I hate subsidizing old poor people and the urban community.


???
Keep it. Shit happens. One car accident, and you will be in debt.
Title: Re: Should I cancel my health insurance?
Post by: Vince G, CSN MFT on July 24, 2017, 09:22:36 PM
I'm 36, health as all hell. Natural, no drugs or alcohol. Insurance costs me $295/ mo.

Waste of money, and I hate subsidizing old poor people and the urban community.


???


Are you crazy.  NO!!!!!  Just get insurance with a higher deductible
Title: Re: Should I cancel my health insurance?
Post by: Vince G, CSN MFT on July 24, 2017, 09:28:08 PM
No matter what happens with  health care we are switching to Medishare.


Are you kidding me....its not insurance.  There's no recourse if they deny a claim and you can't use it with an HSA.  Just get insurance with a high deductible
Title: Re: Should I cancel my health insurance?
Post by: SF1900 on July 24, 2017, 09:36:06 PM

Are you kidding me....its not insurance.  There's no recourse if they deny a claim and you can't use it with an HSA.  Just get insurance with a high deductible

Vince, would you give any other advice to Coach?

The medishare sounds like a good deal.
Title: Re: Should I cancel my health insurance?
Post by: AbrahamG on July 24, 2017, 09:43:30 PM
Vince, would you give any other advice to Coach?

The medishare sounds like a good deal.

If I were giving advices to "coach", I'd tell him to stock up on medishare.
Title: Re: Should I cancel my health insurance?
Post by: Coach is Back! on July 24, 2017, 09:51:35 PM

Are you kidding me....its not insurance.  There's no recourse if they deny a claim and you can't use it with an HSA.  Just get insurance with a high deductible

Yes Vince, tell me your thoughts on stretch reflex and stored elastic energy
Title: Re: Should I cancel my health insurance?
Post by: Vince G, CSN MFT on July 24, 2017, 09:55:56 PM
Yes Vince, tell me your thoughts on stretch reflex and stored elastic energy


They are just body reactions to muscle contractions....nothing special.  What does this have to do with health insurance, do you have some pre-existing conditions with your muscles???  In any event, Medishare is not insurance and  if they can refuse a claim you couldn't do shit about it. 
Title: Re: Should I cancel my health insurance?
Post by: Vince G, CSN MFT on July 24, 2017, 10:01:09 PM
Vince, would you give any other advice to Coach?

The medishare sounds like a good deal.


If he's going that route, then he should get Ameriplan....a lot less money for practically the same thing.  Putting money into something that gives you no legal recourse or gives you any guarantees of providing services is pretty reckless.  I honestly don't know why Coach is doing this as he makes a great income this year.  One serious medical issue and he's cleaned out
Title: Re: Should I cancel my health insurance?
Post by: Coach is Back! on July 24, 2017, 11:16:40 PM

They are just body reactions to muscle contractions....nothing special.  What does this have to do with health insurance, do you have some pre-existing conditions with your muscles???  In any event, Medishare is not insurance and  if they can refuse a claim you couldn't do shit about it. 

 ???
Title: Re: Should I cancel my health insurance?
Post by: sync pulse on July 25, 2017, 12:26:55 AM
Complicated impacted appendicitis...ten days in hospital.  out of the blue...
Title: Re: Should I cancel my health insurance?
Post by: heenok on July 25, 2017, 12:37:49 AM
Where do you get insurance that cheap?  Do you get a subsidy? My insurance is a standard in NJ Blue cross Horizon and it's over 15K a year.

I was about to comment about how 300dol a month is expensive. USA health care is truely fucked.
Title: Re: Should I cancel my health insurance?
Post by: Tapeworm on July 25, 2017, 03:29:51 AM
Talk to your insurer.  Tell them you want top notch coverage for yourself and your family but you don't want to pay anything for it.  In exchange, each month, they will pass you an envelope containing a name.  The name of a person who costs them a lot of money.
Title: Re: Should I cancel my health insurance?
Post by: HTexan on July 25, 2017, 05:52:34 AM
Yes Vince, tell me your thoughts on stretch reflex and stored elastic energy
IMO I think your asshole is permanently stretched out, and there is no elastic energy left.
Title: Re: Should I cancel my health insurance?
Post by: Coach is Back! on July 25, 2017, 09:00:34 AM
IMO I think your asshole is permanently stretched out, and there is no elastic energy left.

I didn't see anyone asking your opinion. Thanks for playing anyway
Title: Re: Should I cancel my health insurance?
Post by: Soul Crusher on July 25, 2017, 09:09:02 AM
Where do you get insurance that cheap?  Do you get a subsidy? My insurance is a standard in NJ Blue cross Horizon and it's over 15K a year.

Same - F obamafaggetcare.   Its horrible. 
Title: Re: Should I cancel my health insurance?
Post by: Soul Crusher on July 25, 2017, 09:11:28 AM

Are you kidding me....its not insurance.  There's no recourse if they deny a claim and you can't use it with an HSA.  Just get insurance with a high deductible

KenyaCare banned that in my area.  Now we have to pay for every skell, drug addict, tranny seeking a sex change, the pajama boys and sandra flukes of the world etc. 

Title: Re: Should I cancel my health insurance?
Post by: WannaBePro on July 25, 2017, 09:23:48 AM
someone in my family has been in the hospital almost 4 weeks, luckily we are in canada on that part, however he has no drug plan so I don't know how he is going to manage the medications after which are probably going to be sky high

people have this misconception that health care in Canada is free, its not, we pay a shitload of taxes in this country and if you make a certain amount of income over I beleive $75,000 or $100,000 plus they add a health care levy that is in the several 1000's

Good part is yes, if you are hospitalized you are covered but the wait times for operations runs into months and years in some cases which is why those that can afford it go to other countries like the US etc and pay for it upfront

Actually, looking at the difference between my dad (who works in the US), and myself (I work in Canada), I think Canadians for the time being get a better deal. Sure, our salaries here aren't as high as in the US, especially in IT when you compare with NYC, and JC salaries with Toronto salaries. But for living in Toronto I make a pretty good living, don't have to worry about dealing with shitty insurance companies who aren't willing to cover me because of pre-existing conditions or flat out refuse to cover me in case of an emergency, and my dental and drugs are paid by group insurance my work provides.
I actually just calculated what I'd make in PA vs what I make in Ontario, and I end up paying $500/yr more than I would if I made the same amount of money in PA as I do in ON.

And about wait times. I'd rather wait and know I'll be treated than go bankrupt after being treated immediately. For the most part the only time you have to wait a long time for a procedure, is if its elective. If its life-threatening, the wait times are not at all horrendous.
Title: Re: Should I cancel my health insurance?
Post by: SF1900 on July 25, 2017, 10:02:13 AM
I didn't see anyone asking your opinion. Thanks for playing anyway

Coach, are you going to follow Vince Goodrum advice?!!?!
Title: Re: Should I cancel my health insurance?
Post by: ProudVirgin69 on July 25, 2017, 11:07:15 AM
Where do you get insurance that cheap?  Do you get a subsidy? My insurance is a standard in NJ Blue cross Horizon and it's over 15K a year.

LMFAO are you self-employed or something?  I pay less in a year for my premiums than you pay per month, and I have BCBS PPO with a $2000 deductible.

Even $295/month for one person is expensive in my eyes
Title: Re: Should I cancel my health insurance?
Post by: mazrim on July 25, 2017, 11:16:50 AM
No matter what happens with  health care we are switching to Medishare.
chministries.org seems to be pretty good as well. If I didn't have it through work then I would go that route. Almost want to do it anyway as I never use it.
Title: Re: Should I cancel my health insurance?
Post by: SF1900 on July 25, 2017, 12:15:25 PM
LMFAO are you self-employed or something?  I pay less in a year for my premiums than you pay per month, and I have BCBS PPO with a $2000 deductible.

Even $295/month for one person is expensive in my eyes

I pay 300 a month with a 2400 deductible but that applies to surgeries or hospitalizations. For most other things, I pay a reasonable copay.

PCP: 20
Specialist: 45
Blood work: 30
Generic drug: 10
Preferred brand drug: 45
X-ray: 45
Title: Re: Should I cancel my health insurance?
Post by: Vince G, CSN MFT on July 25, 2017, 12:23:14 PM
KenyaCare banned that in my area.  Now we have to pay for every skell, drug addict, tranny seeking a sex change, the pajama boys and sandra flukes of the world etc. 



Then contact herbalife to get a discount on REAL INSURANCE.
Title: Re: Should I cancel my health insurance?
Post by: AbrahamG on July 25, 2017, 07:36:39 PM
Actually, looking at the difference between my dad (who works in the US), and myself (I work in Canada), I think Canadians for the time being get a better deal. Sure, our salaries here aren't as high as in the US, especially in IT when you compare with NYC, and JC salaries with Toronto salaries. But for living in Toronto I make a pretty good living, don't have to worry about dealing with shitty insurance companies who aren't willing to cover me because of pre-existing conditions or flat out refuse to cover me in case of an emergency, and my dental and drugs are paid by group insurance my work provides.
I actually just calculated what I'd make in PA vs what I make in Ontario, and I end up paying $500/yr more than I would if I made the same amount of money in PA as I do in ON.

And about wait times. I'd rather wait and know I'll be treated than go bankrupt after being treated immediately. For the most part the only time you have to wait a long time for a procedure, is if its elective. If its life-threatening, the wait times are not at all horrendous.

Get the fuck out of here with your real life experience aka facts.  The rubes on this board have no use for it.  :)