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Thread: Pay now, care later

  1. #21
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    Quote Originally Posted by bajisima View Post
    I think so too. Fixing it involves massive coordination with the insurers. Can we trust them now??? They could agree to anything and then find some tiny hole and screw us. Like they did with the ACA. I find it ironic that now Americans are mandated to carry health insurance but the insurers aren't mandated to stay, they can pull out anytime, anywhere. Really? No one thought of that? So basically here pay a fine for healthcare you wont have if all the insurers decide to pull out of your state.
    You hit a couple of blatantly sexual notes here. Finding a tiny hole and screwing us. Insurers can pull out.

    And let me just say, that I intend to keep pushing the single payer solution. We may need to come up from behind to really get it done, since they are so well-funded. Their influence reaches around our government. Their defenses will be difficult to penetrate. It's going to start out hard, and get harder. It will be a wonderful win, and we will probably almost be sorry it's over afterwards.
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  2. #22
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    Quote Originally Posted by splansing View Post
    I'm not sure the insurance companies are in the business of "making up for" anything. They're simply charging more every year because they can, because that's how the system is set up. Jacking up the costs of everything for everyone is in their financial interest.

    We have to tear down the whole system. There is no fixing it.
    Quote Originally Posted by bajisima View Post
    I think so too. Fixing it involves massive coordination with the insurers. Can we trust them now??? They could agree to anything and then find some tiny hole and screw us. Like they did with the ACA. I find it ironic that now Americans are mandated to carry health insurance but the insurers aren't mandated to stay, they can pull out anytime, anywhere. Really? No one thought of that? So basically here pay a fine for healthcare you wont have if all the insurers decide to pull out of your state.
    You guys are trying to think of a reason to blame insurance companies. First of all, insurance companies can only use 20% of their revenue on the administration of their insurance business. They can't profit more by raising premiums and keeping the money. 80% has to go back out the door to pay claims, or else it's refunded. Secondly, most health related expenditures, by far, are spent on the care. Actual health care and the people who work in the businesses where health care is directly provided. Private insurance and government administration are both small parts of the cost, and they are not the pieces that are responsible for the overall growth in health expenditures. This is supported by historical NHE tables which can be found here: https://www.cms.gov/Research-Statist...istorical.html

    I realize that the support for Obamacare when it was being negotiated pumped the propaganda that essentially blamed insurance companies for everything, but especially under Obamacare, we should be able to see that this wasn't merely the fault of insurance companies after all.
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  3. #23
    Veteran Member Madeline's Avatar
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    Quote Originally Posted by bajisima View Post
    I don't think she is getting prenatal care. She has no insurance. Thing is both she and her spouse have Masters degrees and decent jobs. But the costs between healthcare and their student loans is crushing. What world are we living in when this can happen? Am waiting for some genius to decide children of parents without health insurance should be taken away by child services or something..good grief.
    This is almost criminally negligent, IMO. She should sit down with her hubs and figure out some way to obtain care. Sell something. Move back in with mom & dad. Visit a clinic in a shitty neighborhood. Beg, borrow, steal.

    Pre-natal care is almost the biggest payoff for the lowest investment going.

    What's her plan for well baby care, after the birth?

    This illustrates the extreme folly of our existing system. Millions will do what she's doing, creating thousands of damaged babies that could have been perfectly healthy.

    And a few hundred dead mothers and babies, as well.
    Last edited by Madeline; 13th April 2017 at 01:12 PM.

  4. #24
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    Quote Originally Posted by Neomalthusian View Post
    You guys are trying to think of a reason to blame insurance companies. First of all, insurance companies can only use 20% of their revenue on the administration of their insurance business. They can't profit more by raising premiums and keeping the money. 80% has to go back out the door to pay claims, or else it's refunded.
    EXACTLY. It's about PERCENTAGES. If you're allowed to keep 20% of the pie, how do you get more pie? YOU MAKE THE PIE BIGGER.

    The insurance companies are incentivized to make everything cost more. And they have the clout and the collusion to get it done.

  5. #25
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    Quote Originally Posted by Madeline View Post
    This is almost criminally negligent, IMO. She should sit down with her hubs and figure out some way to obtain care.

    Pre-natal care is almost the biggest payoff for the lowest investment going.

    What's her plan for well baby care, after the birth?
    No shit...how much does it cost to hit Planned Parenthood? Sorry if I missed the answer to this already.... Gotta get that shit done.

    Fucking educational loans are among the biggest rackets in the nation. People should stop going to these fucking ripoff artists.

  6. #26
    the "good" prag pragmatic's Avatar
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    Quote Originally Posted by bajisima View Post
    Our doctors and hospitals offer an immediate 35% discount if you pay your bill in full at the time of service. So you bet the profit is indeed much higher.

    Our dentist has been doing this forever in regards to payment. "Full payment when services are rendered" is on the desk. So if you have a deductible or copay, they require it be paid when the work is done, then insurance is billed. My medical deductible currently is $10,000 so that would definitely delay me seeking anything that wasn't urgent. Its almost like some horrific Charles Dickens story where you go in to have a baby but cant afford the deductible so they hold the baby for payment...

    Your deductible is $10,000??

    That almost qualifies as "catastrophic coverage"....
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  7. #27
    Veteran Member bajisima's Avatar
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    Quote Originally Posted by pragmatic View Post
    Your deductible is $10,000??

    That almost qualifies as "catastrophic coverage"....
    Yes for a family. On top of premiums. Its a racket around here. We also have to pay Massachusetts a little sum because our son goes to college there and they don't accept our insurance, so they require a deposit "in case" he gets sick or hurt on campus.

  8. #28
    Veteran Member Madeline's Avatar
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    Quote Originally Posted by splansing View Post
    No shit...how much does it cost to hit Planned Parenthood? Sorry if I missed the answer to this already.... Gotta get that shit done.

    Fucking educational loans are among the biggest rackets in the nation. People should stop going to these fucking ripoff artists.
    Breaking story this week involved allegations that one company was designed to write high value loans to students with very little possibility of meeting the payments. These loans cannot be discharged in bankruptcy, so the profitability on default can be higher.

    Navient.

  9. #29
    Veteran Member Madeline's Avatar
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    Quote Originally Posted by bajisima View Post
    Yes for a family. On top of premiums. Its a racket around here. We also have to pay Massachusetts a little sum because our son goes to college there and they don't accept our insurance, so they require a deposit "in case" he gets sick or hurt on campus.
    Jeeze Louise! I bought my kid health insurance for the year, for $400 while she was in college. It even covered her while traveling.

  10. #30
    the "good" prag pragmatic's Avatar
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    Quote Originally Posted by bajisima View Post
    Yes for a family. On top of premiums. Its a racket around here. We also have to pay Massachusetts a little sum because our son goes to college there and they don't accept our insurance, so they require a deposit "in case" he gets sick or hurt on campus.
    That sucks. Have you looked into Health Savings Accounts? Are you and your family relatively healthy....??

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