Self employed/health insurance

[Irongrip400]

That is the fault of Insurance.  See your friend who got hit, ONLY GOT 25,000 as that was the MAX PAYOUT from HIS INSURANCE plan since the other had no insurance. 

He had no insurance, that was all he was eligible from the uninsured motorist pool from the state. I think it would be too hard to regulate it, it's almost too big to do anything about it. But I agree, insurance in its present state is flawed.

[Marty Champions]

obama said he will straighten things out

[Roger Bacon]

Penalties on individuals. Individuals will pay a yearly penalty of $695, or up to 2.5% of their annual income, if they cannot show they have purchased a government-approved health policy.

Penalties on families. Families will pay a yearly penalty of $347 per child, up to $2,250 per family, if parents cannot show they have purchased a government-approved policy.

So if people don't purchase insurance, do they still have access to free healthcare?

[The True Adonis]

So if people don't purchase insurance, do they still have access to free healthcare?

I don`t think the Healthcare was ever meant to be free.  Do you mean Medicaid?

[Roger Bacon]

I don`t think the Healthcare was ever meant to be free.  Do you mean Medicaid?

I guess what I mean is people will continue to call the ambulance and go to the ER and be treated for everything.

I just posted an article on the political board about a new poll showing that hardly anyone who isn't currently insured plans on becoming insured to comply.

I cannot see what Obamacare can possibly accomplish other than punishing productive people?

[The True Adonis]

I guess what I mean is people will continue to call the ambulance and go to the ER and be treated for everything.

I just posted an article on the political board about a new poll showing that hardly anyone who isn't currently insured plans on becoming insured to comply.

I cannot see what Obamacare can possibly accomplish other than punishing productive people?

It lines the pocket of Insurance Companies and keeps the machine going.  Republicans happen to covet their Private Health Insurance anyways so this is something they should like anyways.  Bob Dole and many other Republicans had the exact same plan so it should not be a shock to anyone.  Mitt Romney did it on a state level and would have done it on a National Level somehow as well.

Hopefully people will continue to call the ambulance instead of dying on the street.

This needs big time fixing.

[Croatch]

If you have a big accident, wouldn't the government pay, if you couldn't?  I'm pretty uneducated in this arena.
Plus, most health care always has bs attached to it.  That hospital isn't in the network, so we only pick up half.  Oh, we don't cover that medication.  And so on.  It seems almost a waste to have, especially someone paying $400mo.  Even a broken ankle can be fixed for $6000.  Just break your ankle every 2 years and you're ahead of the game.  Unless, you're someone who needs medication daily, then it makes sense.  Who regulates the cost of medication these days?  Fucking rip off.  Health care, BIG business.

[whitewidow]

Kaiser insurance is good for people who are self employed. Kaiser was cheap for me to get started and you have a huge list of doctors to choose from. At first I just had the most basic policy and the co-pay to see a doctor was 20$. If you needed bloodwork kaiser only covered 30% of it, and as far as mdeication you have to meet a 3,000$ deductible till you get generic prices for dirt cheap and 50% off of name brand medication. The urgent care is also 20$ to see a urgent care doctor if it is after hours and you have a health issue. Kaiser kind of sucks when it comes to urgent care it is not like a ER where they are open 24 hours they have hours of 4PM-8:30P and at some it is 6PM to 8:30PM depends on what facility you go to.
Kaiser is very strict with shceduled medications you really have to talk a good game like myself or have to play their games. Even with a dirty MRI it is hard to get the meds you really want, it really depends on price,kaiser really watches out for how much of the medication they have to pay for.

They also jack up your premium 20$ a year.amd sometimes jack up your dr. co-pay to 20$ to 30$. I believe the first year I signed up I payed 1,600$ for the year just for my premium. I also had to pay co-pays and money for medications. Plus I did not have dental just medical. I think I actually got somewhat of a good price because of my age. I paid 119$ a month the first year for the premium eaxch year it jumped 20$ . One thing you have to keep in mind is the better doctors I have found charge 100$ for a walk-in visit and are better dr.s who own their own clinics. So if you don;t need to see a Dr. that much you can actually save money by just going to a walk-in dr. and pay 100$ each visit. so even if I had to see a dr. every month a walk-in dr. office would only cost 1,200$ a year instead of 1,400$ plus that includes the co-pay, so it really depends on how many times you have to see a doctor per month in some cases.

There are better Kaiser policies but they are way spendier and I just hate how stingy kaiser is with medication they follow new age practices. I like finding old-school doctors who have been practicing for 35 years and are more liberal. Kaiser hires alot of young tight dr.s. But some insurance is better then none.

[Irongrip400]

If you have a big accident, wouldn't the government pay, if you couldn't?  I'm pretty uneducated in this arena.
Plus, most health care always has bs attached to it.  That hospital isn't in the network, so we only pick up half.  Oh, we don't cover that medication.  And so on.  It seems almost a waste to have, especially someone paying $400mo.  Even a broken ankle can be fixed for $6000.  Just break your ankle every 2 years and you're ahead of the game.  Unless, you're someone who needs medication daily, then it makes sense.  Who regulates the cost of medication these days?  Fucking rip off.  Health care, BIG business.

No, the government doesn't pay. You can apply for the hospital to forgive some, or all of the debt if you can't pay it(they write off a certain amount each year) but the government will not cover your expenses. That's why no insurance is such a big deal. People go bankrupt with such heavy medical debt, and it gets passed on the those who have insurance through higher premiums. 

[_aj_]

If you have a big accident, wouldn't the government pay, if you couldn't?  I'm pretty uneducated in this arena.
Plus, most health care always has bs attached to it.  That hospital isn't in the network, so we only pick up half.  Oh, we don't cover that medication.  And so on.  It seems almost a waste to have, especially someone paying $400mo.  Even a broken ankle can be fixed for $6000.  Just break your ankle every 2 years and you're ahead of the game.  Unless, you're someone who needs medication daily, then it makes sense.  Who regulates the cost of medication these days?  Fucking rip off.  Health care, BIG business.

This is one of the reasons that catastrophic-only coverage is a great idea. It would be cheap, would attract the younger participants (actuarily driving the cost down) and would be just what folks really want.

Of course, the govt "minimum" plan is a Cadillac plan that costs a fortune and is designed PURELY to drive the country to a single-payer, European style system: one (bad) care for all, exempt the credentialed, political elite, who will always get the best.

Sic semper tyrannis.

[whitewidow]

in my state if you have no income if you go to the ER they go on a sliding fee and if you make no money they will not charge you anything. I know someone who has had a few ER bills totally erased and forgiven due to the sliding fee they go on. I have also heard they sell the debt so i am not sure how true that is. But they never went after any of my friends hopsital bills they just waived them. It might depend on what ER you go to as well. It sucks in my state there is no state insurance you can get. They do have insurance available for kids under 18 and people who have chikdren or people with cancer, if you are just a single guy or couple you are fucked and will get denied and then you have to get on the lottery system where you might get insurance if you are lucky but not alot of dr.s take this kind of insurance. some do not take it and some of the very best dr.s do take it so it is a crapshoot but def better then nothing. I went with kaiser because it was reasonably priced but after this last year I felt the best bet was just going to a private owned clinic who just charges 100$ per visit so it is actually cheaper then all insuances you can go see the dr. every month and you just pay 1,200$ a year co-pay included if I kept kaiser I would be paying 1920$ for a yearly premium and then 360$ for the monthly co-pays. So I actually see the best dr. in my state instead of seeing a shitty kaiser Dr. who is a rookie and knows jack shit and I pay close to 1,000 less per year and I see the guy every month.

I guess if I needed ER service I would be fucked or bloodwork is full price but I really try to avoid having to go to the ER and I only get bloodwork once a year. Plus my flu-shot wich is 30$. So actually going to a private clinic is better and cheaper then having kaiser insurance.

[The True Adonis]

Single Payer is the way to go with the option for moron to buy additional Private Insurance (not that it would be needed) as well.  

[Roger Bacon]

Hopefully people will continue to call the ambulance instead of dying on the street.

I'm talking about all the hillbillies that run the ambulance and go to the ER for headaches, minor cuts, sprained ankles, etc...

You wouldn't believe how much that happens...

[The True Adonis]

I'm talking about all the hillbillies that run the ambulance and go to the ER for headaches, minor cuts, sprained ankles, etc...

You wouldn't believe how much that happens...

Probably as bad as the people abusing it for "regular checkups" and because they are fatsos.

[Roger Bacon]

Probably as bad as the people abusing it for "regular checkups" and because they are fatsos.

That's something that really pisses me off.  I do go to Walmart occasionally, and always see dozens of hogs on electric scooters that the government we paid for, you know they're on tons of prescriptions, and they're carts are always full of chips and coca cola.   

I guess you really can't blame these people, because they're just ignorant animals.   

They have to cost 3:1 what they contributed, at least

[The True Adonis]

That's something that really pisses me off.  I do go to Walmart occasionally, and always see dozens of hogs on electric scooters that the government we paid for, you know they're on tons of prescriptions, and they're carts are always full of chips and coca cola.   

I guess you really can't blame these people, because they're just ignorant animals.   

They have to cost 3:1 what they contributed, at least

Free Healthcare oughta be given to the healthiest individuals at least.

[The True Adonis]

That's something that really pisses me off.  I do go to Walmart occasionally, and always see dozens of hogs on electric scooters that the government we paid for, you know they're on tons of prescriptions, and they're carts are always full of chips and coca cola.   

I guess you really can't blame these people, because they're just ignorant animals.   

They have to cost 3:1 what they contributed, at least

This will make you even more mad, there are many States with benefits that pay for Gastric Bypass surgery. 

[RRKore]

Single Payer is the way to go with the option for moron to buy additional Private Insurance (not that it would be needed) as well.  

I like you.  No Homo.

- Roy Hibbert