Health Care In The USA?

Discussion in 'Community Board' started by angel659, Jun 26, 2007.

  1. mrsltg

    mrsltg Guest

    Sorry, if you are over 17 and meet the giving standards, fair enough!!! The saying "Pay it Forward" fits perfectly here.
     
  2. Avatar

    Google AdSense Guest Advertisement


    to hide this advert.
  3. mickeyfan2

    mickeyfan2 DIS Veteran

    Joined:
    May 21, 2004
    Messages:
    16,090
    Not true.

    I am not wealthy, dirt poor or have an employer who pays my premiums. I pay 100% of my premiums and I pay all of my own RXs each month too. I just budget for it as our health is a must have. We could go without coverage and have nicer cars etc. but we chose not to.

    Others chose not to pay for the better coverage from their employer, let the state cover their kids even if they could do it themselves, not get a job to get coverage just to name a few ways people are either without coverage or with poorer quality insurance. Not all without insurance are in this group.

    My sister, who is a waitress, has health care with her restaurant chain.
     
  4. mrsltg

    mrsltg Guest

    Why is this bad? People work for many different reasons. Should one only work for altruistic purposes? My husband works in a very dangerous profession. He has stayed in his job the last 7 years because his pension is incredible and we are entitled to life time insurance after retirement. This is a choice we are making. Is this not ok?
     
  5. freckles and boo

    freckles and boo <font color=blue>I occasionally lurk on the UK boa

    Joined:
    May 5, 2006
    Messages:
    6,382
    I am just curious - if you are paying 100% of your premiums is this with your own employer or your husband's? Will your husband's employer be paying the full premium after retirement if they aren't paying the full premium now? I am not sure I understand. No malice intended, I am sincerely curious.
     
  6. agentpleakley

    agentpleakley <font color=blue>That would be a misuse of galatic

    Joined:
    May 8, 2007
    Messages:
    3,672
    I'm joining those that advise you that taking Michael Moore as an authority on any subject is ill-advised. If he hates it here so much -- leave. Sorry -- OT.

    While our system is not perfect -- I imagine that federal healthcare plan was put into place -- ALOT of people would be screaming because of increased taxes. In any situation -- the current v. national system ... it's the middle class that is going to lose. The rich can afford it, the poor get it for free.

    A doctor at a local hospital just moved here from Canada. He commented on the health care being better in the US.
     
  7. mrsltg

    mrsltg Guest

    I think you must be confusing me with another poster. I never said I was paying 100% of my premiums?
     
  8. freckles and boo

    freckles and boo <font color=blue>I occasionally lurk on the UK boa

    Joined:
    May 5, 2006
    Messages:
    6,382
    Oops. I am sorry!!! Nevermind....
     
  9. PlutoLuvr

    PlutoLuvr KORT RORP/ERS AULS TKPWET T LA*S WORD :)

    Joined:
    Mar 6, 2006
    Messages:
    1,545
    I'd heard about this "health care crisis" on the news quite a bit, but it never really sunk in until about six months ago.

    DH & I are 35, very healthy, neither of us ever hospitalized or sedated. I've been self-employed since I graduated from college, so any kind of doctor visits were always a self-pay. Until last spring, DH always worked for very small employers where any kind of insurance election would have eaten up most of his paycheck. We just made do.

    DH got kick-butt insurance last spring with a new employer. Both of us covered, everything covered, wowee! I go to a new gyno, one I'd been wanting to try out for a while but is expensive. He does the trans******l ultrasounds right there in his office (I wanted an IUD and had a good doctor will require this first). Boom. I find out I have ovarian cysts. We take the "watch and monitor" stance. We watch over the next nine months and eventually they ended up dissolving on their own, thank goodness.

    DH gets laid off from this employer and has to go back to the smaller place. We can't afford the insurance offered through his work, COBRA is astronomical (it's more than our mortgage!), so I try to take out an individual policy for us. Figured I can write the premiums off through my own small business.

    I'm friggin uninsurable now. No one will touch me. 35 years old, one "thing" that came up on one office visit since I was a teenager has made me uninsurable. We have one last hope with a high deductible insurance plan and a health savings account, but the last two insurance brokers I've spoken with have said, Don't hold your breath. Insurance companies don't have to insure you like they do others (individual vs. group plans). Even if you were able to find someone to insure you, don't be surprised if your claims are denied or if you're cancelled as soon as you make a claim.

    I was prepared to spend $404 per month on a BCBS individual policy. We simply can't afford the $909 COBRA was going to cost, nor the $812 that will be deducted from DH's paycheck every month. I guess I'm just going to put that $404 per month into a savings account to pay for our medical care.

    What I find really sad is the insurance "crisis" is in effect drowning out the dream of an awful lot of Americans: And that is to be a business owner. For the first time in my life, I'm considering leaving my own business I've worked so hard for to work for some huge company, probably in a cubicle, be micromanaged and, yes, have decent health care.

    People say with awe to me all the time, "Oh, you're so lucky you're self-employed, to have your own business." You should see the looks change when I tell them the small business owner/self-employed individual can't get health care like those who work for big companies can.

    We're at a loss :sad2:
     
  10. mkycrzy1971

    mkycrzy1971 DIS Veteran

    Joined:
    Feb 19, 2007
    Messages:
    1,524
    AMEN!!!
     
  11. mkycrzy1971

    mkycrzy1971 DIS Veteran

    Joined:
    Feb 19, 2007
    Messages:
    1,524
    Not all...it depends on your particular plan. I have an HMO and my primary physician does not have to approve care through a specialist....nor give me a referral...however, I DO have to go to a specialist on the preferred provider list which is sometimes frustrating.
     
  12. mkycrzy1971

    mkycrzy1971 DIS Veteran

    Joined:
    Feb 19, 2007
    Messages:
    1,524
    Very well said!!
     
  13. mkycrzy1971

    mkycrzy1971 DIS Veteran

    Joined:
    Feb 19, 2007
    Messages:
    1,524
    I agree...and I think that if our national govt gets involved in our healthcare (even though it is a mess now...don't get me wrong), it will be a MAJOR disaster and WE will have these long waits to see doctors and have surgery. I think there needs to be some sort of so-called reform, but a national healthcare plan is NOT the answer....I sure do not want to be told that my son's surgery for tubes in his ears is not urgent enough for him to have surgery right away.
     
  14. Acklander

    Acklander DIS Veteran

    Joined:
    Sep 14, 2004
    Messages:
    5,518
    I'm uninsurable as well. The insurance companies get to cherry pick who they will or will not cover. Now when I go to the hospital, not only do I have to pay out of pocket, but I have to subsidize the payments that insurance company doesn't pay.

    Example. I had surgery last year that came to around 10K. If it was covered by insurance, the insurance company will pay about 4K for it, with the rest being written off. Since I don't have insurance I'm responsible for the entire 10K.
     
  15. mkycrzy1971

    mkycrzy1971 DIS Veteran

    Joined:
    Feb 19, 2007
    Messages:
    1,524
    Yeah...don't get me started on this!! As someone that should not even be in our country (unless they want to do it the proper way), I nor YOU should be FORCED to pay for their healthcare, groceries, etc....but WE ARE! And to boot, they end up having 20 kids and we pay for all of their healthcare too...in the end, the illegals are allowed to stay because their children are citizens...BS! Thus the need for such high taxes...makes me sick! I (along with all of my family) work for a living (so should illegals)...we do not live off of the govt.
     
  16. mkycrzy1971

    mkycrzy1971 DIS Veteran

    Joined:
    Feb 19, 2007
    Messages:
    1,524
    I agree...This is America after-all, and we are allowed to form privately owned companies if we choose (as long as it is a legal activity)...last time I checked healthcare was legal...so IMO Michael Moore is sticking his nose into something he knows nothing about...send him back to making his 2nd class movies.
     
  17. mkycrzy1971

    mkycrzy1971 DIS Veteran

    Joined:
    Feb 19, 2007
    Messages:
    1,524
    Not true....I do not fit into ANY of these catagories. However, I do have healthcare....it is just a must when you have a family.
     
  18. dcentity2000

    dcentity2000 <font color=red>Simba Cub<br><font color=green>Is

    Joined:
    Jul 22, 2003
    Messages:
    10,061
    Is medical insurance in one form or another in the States a legal requirement?



    Rich::
     
  19. KariC

    KariC DIS Veteran

    Joined:
    Jan 4, 2007
    Messages:
    2,986
    I agree with all PPs that have told you not to just "believe" Michael Moore. You must take what he says with a huge block of salt (not just a grain of salt).

    A third option that we have now in the US, and that many employers are offering is a "Health Savings Account". This is where you contribute your own money, before taxes, from your paycheck into an account. You then use this account to pay for medical expenses (even over-the-counter things qualify). Then, when you have reached your pre-determined out-of-pocket expenses, your medical care for the remainder of the year is 100%. We actually hit our 100% in April this year, due to two sick punkins, and a pregnancy becoming high risk in March. Our out-of-pocket maximum was slightly over $5000, we reached it, and now EVERYTHING IS PAID FOR. Except over the counter things. That makes it cheaper for us to go to a doc for prescription allergy meds, instead of using over the counter. Of course, we're all already on those anyway....that helped us get to our OOP max.

    We do own a small tech business...over 20 employees....but even when it was just my DH, we made health insurance a priority. We provide it at 100% for our employees, and provide "seed" money for our employees if the choose to do the HSA option (it equals what we would pay for the PPO). Several have, some don't...and they choose the PPO coverage which is awesome, too. We have had some subcontractor types that will choose to be subs and get 1099 (a tax form that can be used for subs), in part b/c they are CHOOSING not to have health care from us. They are young, single, and feel healthy. So, they'd rather get paid more than have benefits from their employer. You would be suprised at the number of people that do this!! (Just listened to a radio show on this today, 700 WLW?)

    Anyway, insurance is not ALL bad here. I would presume that you would move here WITH jobs (I think you would have to in order to get Visas?), and you just make sure you take jobs that would provide good insurance.
     
  20. mkycrzy1971

    mkycrzy1971 DIS Veteran

    Joined:
    Feb 19, 2007
    Messages:
    1,524
    Maybe not with your plan, but coming from someone who has had three c-sections (using anesthesia each time, of course), among various other surgeries, I have never had it denied. Unless I am misunderstanding and you are speaking of a National healthcare plan that does not cover it. I also know that most private insurance companies in the US do cover it due to the fact that I sold employee benefit package insurance programs for over 5 years (health/life insurance benefits to employers for their employee's benefit package).
     
  21. Mkrop

    Mkrop <font color=coral>I just cant go on demand<br><fon

    Joined:
    Feb 26, 2007
    Messages:
    10,732
    Thank you thank you thank you. That man has made more documentaries that had so much garbage and half truths. Yes our healthcare has many flaws and needs fixing but please do other research and do not put an ounce of belief in anything he says!
     

Share This Page