blue109 Posted October 18, 2013 Report Share Posted October 18, 2013 took a half day so i could search the earth for some new health ins. because my work plan has skyrocketed into the unaffordable zone (food for family...or insurance?) turns out i cant do any better privately, the system has been rigged to only be affordable to bums. trying to claw my way through this world with a modicum of integrity and self respect but it just aint workin. i would be in a better position financially right now if i was on welfare. then it came so clear. break the middle class and reward the bottom feeders. the middle class have no alternative but to sink. small business and then big business starve, killing off the moderately wealthy who actually earned their way up. the state steps in to save the day and set up bread lines. the people cheer for socialism. im so disgusted right now. /rant. thanks. love you guys. Quote Link to comment Share on other sites More sharing options...
sketch Posted October 18, 2013 Report Share Posted October 18, 2013 There fing us in the neck I thought that was ours? Rip off!! My monthly payment went up 150percent and deduct doubled!! Quote Link to comment Share on other sites More sharing options...
shepp Posted October 18, 2013 Report Share Posted October 18, 2013 First step to full government control, make the poor dependent on you Second step wipe out the middle class, working on it..... Quote Link to comment Share on other sites More sharing options...
392heminut Posted October 18, 2013 Report Share Posted October 18, 2013 My wife (she's a nurse and an administrator at the local hospital) told me over a year ago Obamacare would have that effect on insurance rates when it kicked in. My insurance is with Presbyterian through my retirement with the state and is subsidized by my retirement. I just got the new rates for next year and they only went up about $50 which is normal for my policy. I'm wondering if I'm not going to get a hit like Blue just described somewhere down the line? People in the healthcare profession that were in the know saw this crap coming! A LOT of doctors and nurses (in my area at least) have been majorly against Obamacare since the beginning. My wife has been corresponding with our Representatives since it all started. Obama has really screwed the middle class this time! Quote Link to comment Share on other sites More sharing options...
shepp Posted October 18, 2013 Report Share Posted October 18, 2013 I heard it compared to credit card rates? When the gov said credit card rates could only be xxxx amount all the company's raised it to that and left it there. Idk if that's true or not I've never even had a credit card. But they said that's what the insurance co's are doing raising the bar to what they can while they can? Quote Link to comment Share on other sites More sharing options...
blue109 Posted October 18, 2013 Author Report Share Posted October 18, 2013 The problem is...the "affordable" part is through a gov. Tax credit. The insurance plans are not affordable by themselves at all. These INS. Companies are getting rich. Problem 2....the tax credit only applies to people with no INS. Through work who use the exchange system. If you can get INS....regardless of how expensive it is...you can't use the exchange, and you don't get the tax credit. Part 3......most employers are being forced to offer INS, and everyone is required to get it. The only people who qualify for this new affordable subsidized INS are people with no job, oe part time low income only. lots of these people were just sucking the tit anyway. The gov is still paying most of their bill so its not saving any money, just making INS. Companies richer. Its disgusting. Quote Link to comment Share on other sites More sharing options...
washguy Posted October 18, 2013 Report Share Posted October 18, 2013 (edited) Blue and the rest of ya'll are SO right! Just because you have the insurance from an exchange doesnt mean your Doc will accept it either! This whole mess is contrived.....its going to put insurance companies out of business and the folks will bitch cause they cant afford it....then we go to single payer...which is Big Brother controlling it all...stand back and watch...im so mad I could spit! :) Wash ps when they say deductible...thats not a true cost....the true cost is out of pocket costs......so when I had my double knee replacement my deductible was 7500,but when I walked in the hospital they charged me...ya'll sit-in down?.....11,539 bills WTF? Wash Edited October 18, 2013 by washguy Quote Link to comment Share on other sites More sharing options...
shibiwan Posted October 18, 2013 Report Share Posted October 18, 2013 (edited) I know many here will disagree with me, but growing up in a country with single payer healthcare that worked very well, I find it disappointing that such essential services in this country are open up to for-profit organizations (i.e. HMO, etc) Just my honest thoughts and comments. Gonna go back to my hiding hole to escape the flames. -S Edited October 18, 2013 by shibiwan Quote Link to comment Share on other sites More sharing options...
blue109 Posted October 18, 2013 Author Report Share Posted October 18, 2013 Had a meeting at work today so they could tell us they will only pay 5hrs of OT starting jan 1. If you work over 45 hrs it goes back to straight time. Jokes on you suckers!! You already slashed my hours to 39/40! That's why I work 2 jobs! Can we please just get this civil war cranked up already? At least I know how to fight those battles. I'm lost in this BS civilized world. Quote Link to comment Share on other sites More sharing options...
blue109 Posted October 18, 2013 Author Report Share Posted October 18, 2013 (edited) Shibi.....don't hide. this country needs a healthcare reform desperately. Obama just fed it instead of fixing it. Healthcare IS too expensive. The answer to that is NOT to make people buy insurance. the answer is self evident. A 30min visit to the emergency room cannot possibly cost $6000. A doctor visit with 10min of actual interaction cannot cost $800. The final bill for my daughters birth was around $12000 for a 10min surgery and 2 nights in a bed were we saw a nurse maybe 6 times for a min. Each time. When we lost my boy a year later it cost even more. I'm still paying on that poop. Its insanity. That's where the fix needs to be. These are essential services. I'm generally against regulation...but this is literally life and death and people are getting rich on it. The one thing in this world that should be regulated, is the one thing this government won't touch. Disgusting. Edited October 18, 2013 by blue109 Quote Link to comment Share on other sites More sharing options...
shibiwan Posted October 18, 2013 Report Share Posted October 18, 2013 Shibi.....don't hide. this country needs a healthcare reform desperately. Obama just fed it instead of fixing it. Healthcare IS too expensive. The answer to that is NOT to make people buy insurance. the answer is self evident. A 30min visit to the emergency room cannot possibly cost $6000. A doctor visit with 10min of actual interaction cannot cost $800. The final bill for my daughters birth was around $12000 for a 10min surgery and 2 nights in a bed were we saw a nurse maybe 6 times for a min. Each time. When we lost my boy a year later it cost even more. I'm still paying on that poop. Its insanity. That's where the fix needs to be. These are essential services. I'm generally against regulation...but this is literally life and death and people are getting rich on it. The one thing in this world that should be regulated, is the one thing this government won't touch. Disgusting. Well these are my thoughts (generally) Healthcare should be a right granted to everyone, thus the single payer system. The government should provide an essential level of healthcare to cover the needs of everyone. Go to any doc you want, everything is subsidized centrally ($5-$15 copays!). Docs get paid, people get the healthcare they need. However if you opt for a "better level" of healthcare and you have the means to do so, then by all means go find some superstar doc that is paid privately. Don't tie healthcare to business benefits. Businesses have other things to worry about and they can focus on that instead if their workers are healthy! We did study the US healthcare system in some depth (economics class) while I was in college (back in Singapore) and it seemed to me, from the data, that insurance is the main factor driving up the healthcare costs. Because the cost to the patient is just a deductible, the healthcare providers are able to jack up their prices without the patient (customer) feeling the pinch! Assuming that healthcare costs go to a single-payer system run by non-profit government agency, will they stand by and deal with such insane prices set by the healthcare providers? No, they will set up some form of schedule which determines what is reasonable (e.g. cold/cough/flu - $100, wellness checkups - $120, broken arm $2000....you get the idea). At that point, let capitalism take over - the money is there and so if the docs want to provide the service at the specified cost they are free to enter the trade... otherwise they leave and find something else to do. I know it's hard to tie efficiency and government in the same sentence....then again who will manage the centralized healthcare system? -S Quote Link to comment Share on other sites More sharing options...
blue109 Posted October 18, 2013 Author Report Share Posted October 18, 2013 I'm with you. I'm fuming and irritated and just ranting off the top of my head at the moment. Thanks everyone for playing along with my cathartic outbursts. Quote Link to comment Share on other sites More sharing options...
texas30cal Posted October 18, 2013 Report Share Posted October 18, 2013 I am on my wifes plan with the state, we have not seen a major increase yet but I periodically get epidural steroid injections in my back and neck, it normally takes just a couple of days for the docs office to get approval from the insurance company, this time it took almost 4 weeks! Meanwhile I am having constant headaches and eating Lortab painpills like they were candy then they want to know why I ran out too soon. When I called the docs office and asked them to call insurance and check for me they told me that it was of no use but I could try myself if I wanted to waste some time. Quote Link to comment Share on other sites More sharing options...
washguy Posted October 18, 2013 Report Share Posted October 18, 2013 Texas 30 cal pm me....i was getting steroid injections regularly for my back.....its a scam...lemme tell you what you need to get instead of steroids pm me Wash Quote Link to comment Share on other sites More sharing options...
planeflyer21 Posted October 18, 2013 Report Share Posted October 18, 2013 Well our insurance has gone up 100% in the past 9 months. If we got ours on the exchange it would be cheaper... with an annual copay of $12,500 or so per person. "They" are counting on an outcry, so they can institute single-payer nationalized health care...which is what they wanted in the first place. Quote Link to comment Share on other sites More sharing options...
EasyEJL Posted October 18, 2013 Report Share Posted October 18, 2013 Healthcare should be a right granted to everyone, thus the single payer system. -S there are no rights to anything that would require someone else to work for free. Everyone has the right today to get healthcare, just they actually have to pay for it themselves. Quote Link to comment Share on other sites More sharing options...
blue109 Posted October 18, 2013 Author Report Share Posted October 18, 2013 They have to pay ridiculous prices....so many people just don't.....so those that do end up paying more.....until they can't afford it either....and the cycle continues. Quote Link to comment Share on other sites More sharing options...
EasyEJL Posted October 18, 2013 Report Share Posted October 18, 2013 They have to pay ridiculous prices....so many people just don't.....so those that do end up paying more.....until they can't afford it either....and the cycle continues. health care, not health insurance. What you pay a doctor in cash doesn't change based on who else is using the doctor. Quote Link to comment Share on other sites More sharing options...
blue109 Posted October 18, 2013 Author Report Share Posted October 18, 2013 If you can afford to pay a doctor with no insurance...more power to you. Not many can. Quote Link to comment Share on other sites More sharing options...
392heminut Posted October 18, 2013 Report Share Posted October 18, 2013 Back in 2001 I had ear surgery to replace the little bones behind the eardrum that transmit sound. It was done on an outpatient basis and my copay was $100. Earlier this year when I went to the E.R. to fix my finger after sticking it in a tablesaw (3 stitches) my copay was $100 at the hospital, and the portion of the doctor's fees the insurance (same company as back in 2001) was whopping $800! That MF'er wasn't even in there 5 minutes, a P.A. did the actual work. Insurance companies have gone to hell in the last decade, and the prima donna doctors are raping us! Quote Link to comment Share on other sites More sharing options...
DNP Posted October 19, 2013 Report Share Posted October 19, 2013 Only 12k for the kid?? Damn! Our boy was 36,000. For the same ten minute surgery and I think we did 3 nights. Quote Link to comment Share on other sites More sharing options...
BLKSHEEP Posted October 19, 2013 Report Share Posted October 19, 2013 Only 12k for the kid?? Damn! Our boy was 36,000. For the same ten minute surgery and I think we did 3 nights. You're in kaliforniastan, everything cost triple what it's worth :P Quote Link to comment Share on other sites More sharing options...
DNP Posted October 19, 2013 Report Share Posted October 19, 2013 My boys gonna kick yer butt when he's big enough to read that one.... Lol, yeah. Same procedure for a buddy in Nebraska was 9k. We paid a whopping $250 of that. Quote Link to comment Share on other sites More sharing options...
seasprite Posted October 19, 2013 Report Share Posted October 19, 2013 If I remember right (17 years ago) it was $3000.00 for us. Quote Link to comment Share on other sites More sharing options...
BLKSHEEP Posted October 19, 2013 Report Share Posted October 19, 2013 (edited) My boys gonna kick yer butt when he's big enough to read that one.... Lol, you know what I meant, the children are priceless :) We did study the US healthcare system in some depth (economics class) while I was in college (back in Singapore) and it seemed to me, from the data, that insurance is the main factor driving up the healthcare costs. Because the cost to the patient is just a deductible, the healthcare providers are able to jack up their prices without the patient (customer) feeling the pinch! Most of us pay huge monthly premiums, not just a deductible. I glanced online at Singapore's health system, it indeed looks like one of the better if not best government health care systems world wide. That being said I can't think of any US government program that isn't in the red by billions or trillions of dollars! Doctors spend 8+ years of their lives and build tremendous amounts of student loan debt to become a doctor, they deserve to make a lot of money. They also have to pay out the ass for medical malpractice insurance, those cost trickle down to the patients. It's not really the doctors or even the insurance companies fault that health care is so high, our free market system of supply, demand, & competition kept rates bearable for many years. The root cause of the problem in a nutshell is that over the past 20-30+ years the "Takers" have out bred the Givers . We the "Givers" aka hard working TAX PAYING Americans are having to pay for an ever increasing pool of non working trash that thinks the government should take care of them for life. On top of that we have 15,000,000 Illegal aliens here that get free health care! Who's paying for that? I think it's an apple and orange thing, I'm somewhat familiar with Asian cultures (I'm married to one:) and I know that the vast majority of the Asian populations will work hard if given the opportunity to do so. That's why the Singapore's healthcare system works, the vast majority pays. Here it will soon be the minority paying all the taxes at the rate we're going, that's why it would/will fail here. Not ranting on you Shibiwan, just my opinion. Edited October 19, 2013 by BLKSHEEP Quote Link to comment Share on other sites More sharing options...
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