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Thread: Health Care discussion

  1. #1
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    I have a few questions for my good PH people. I recently changed from Kaiser to Blue Cross, and while it's still the same cost to me so far as money out of my pocket, I get to see a lot more of the money moving around in this system. So, it makes me curious if all this is normal, or if this hospital is ripping off Blue Cross, or what the heck is going on.



    1) Are you covered with medical insurance?



    2) If you are covered, by who?



    3) What sort of insurance is it? (HMO, PPO, etc)



    4) Generally what are the numbers? (monthly, deductable, copay, etc) You can ignore this one if you think its too personal, but I would appreciate some info.



    5) Have you used it recently?



    6) If so, are you satisfied with the medical service?



    7) Misc info, any pertinent info you would like to add.

  2. #2
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    1) Are you covered with medical insurance? Yes



    2) If you are covered, by who? Blue Cross



    3) What sort of insurance is it? (HMO, PPO, etc) PPO



    4) Generally what are the numbers? (monthly, deductable, copay, etc) You can ignore this one if you think its too personal, but I would appreciate some info. About $450 /mo for me and my wife... $1000 deductable for each of us, $25 copay regular, $100 copay emergency room. The deductable is payed for by a company credit card.



    5) Have you used it recently? Yes. I had a car accident, went in to get checked out. Spent a few minutes with a nurse, filled out some paperwork, a couple of minutes with a doctor, 2 xrays, in and out in maybe 45 minutes including mostly wait time. I was seen immediately, staff seemed nice.



    6) If so, are you satisfied with the medical service? No problem with the medical service in general.



    7) Misc info, any pertinent info you would like to add. Definitely... Adding up the various paperwork I have seen floating around, it looks like this hospital is charging Blue Cross over $2500, which seems pretty ridiculous to me.

  3. #3
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    I broke my toe and the ER gave me a boot (basically a styrofoam shoe) which I didn't want to begin with once I realized that all I ended up breaking was a toe and not something more serious. The company I work for used to sell the same kind of boot. We sold it for $6.95. The hospital billed the insurance $85 for the boot. But go ahead and blame the insurance companies. They are easy targets....

  4. #4
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    [quote name='freckles' date='10 March 2010 - 11:38 PM' timestamp='1268264330' post='127703']

    I broke my toe and the ER gave me a boot (basically a styrofoam shoe) which I didn't want to begin with once I realized that all I ended up breaking was a toe and not something more serious. The company I work for used to sell the same kind of boot. We sold it for $6.95. The hospital billed the insurance $85 for the boot. But go ahead and blame the insurance companies. They are easy targets....

    [/quote]



    That's the effect of what people like Sowell, Stossel, and I have been pointing out. In a way, insurance IS the problem. The idea of sharing money between people IS the problem.



    I'm not saying the government should ban it, but they should at least stop ENCOURAGING (and practicing) it.



    Don't get me wrong, I can see the point of having protection against the really big bills. I think it'd be best if people purchased catastrophic coverage and paid for the smaller (or even the somewhat large but not devastating) stuff out of their pockets. Prices would drop drastically.



    EDIT: Sorry, Gabe, can't answer any questions except for the first: No.

  5. #5
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    [quote name='gabebrooks' date='10 March 2010 - 06:31 PM' timestamp='1268263892' post='127699']

    7) Misc info, any pertinent info you would like to add. Definitely... Adding up the various paperwork I have seen floating around, it looks like this hospital is charging Blue Cross over $2500, which seems pretty ridiculous to me.

    [/quote]

    That's probably because the six people before you had no insurance and they got the xrays and treatment similar to what you did free of charge. The hospital has to pick up the shortfall somewhere and you were paying your bill so they charged you 5 times as much. It's why your insurance premium is what it is.



    But lets not have some type of health insurance plan for everyone because you don't want to admit that you are already paying for the uninsured.

  6. #6
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    [quote name='Pragmatist' date='11 March 2010 - 01:36 AM' timestamp='1268271413' post='127748']

    That's probably because the six people before you had no insurance and they got the xrays and treatment similar to what you did free of charge. The hospital has to pick up the shortfall somewhere and you were paying your bill so they charged you 5 times as much. It's why your insurance premium is what it is.



    But lets not have some type of health insurance plan for everyone because you don't want to admit that you are already paying for the uninsured.

    [/quote]



    Ooh, ooh, I have a plan.



    Let's just tax people who can't afford insurance in the first place. It'll be like the Anti-Poverty Laws of the early 19th century.



    Genius, hmm?

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    [quote name='Feslin' date='10 March 2010 - 08:39 PM' timestamp='1268271549' post='127750']

    Ooh, ooh, I have a plan.



    Let's just tax people who can't afford insurance in the first place. It'll be like the Anti-Poverty Laws of the early 19th century.



    Genius, hmm?

    [/quote]

    If they truly can't afford insurance then give it to them. The vast majority CAN afford at least a portion and that's 100% more than they contribute now.

  8. #8
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    [quote name='Pragmatist' date='11 March 2010 - 01:43 AM' timestamp='1268271804' post='127755']

    If they truly can't afford insurance then give it to them. The vast majority CAN afford at least a portion and that's 100% more than they contribute now.

    [/quote]



    What makes you think they don't contribute, dude?



    http://www.american.com/archive/2008...-the-uninsured



    Here ya go.



    Oh, and here's a good little gem:



    Best estimates indicate that about one-third of the cost of health services received by the uninsured is “uncompensated care”—less than 3 percent of all U.S. healthcare spending. Most of those costs are covered by various taxpayer-funded payments (particularly disproportionate share payments to hospitals likely to treat more uninsured and low-income patients). There isn’t much left in the residual costs of uncompensated care to “shift” to private insurance premium payers.


    Meaning the supposed six people before Gabe forced the cost to his insurance company up... how much?



    Almost none.



    But, yeah, your made-up arguments with no factual backing are interesting, too...

  9. #9
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    [quote name='Pragmatist' date='10 March 2010 - 08:43 PM' timestamp='1268271804' post='127755']

    If they truly can't afford insurance then give it to them.

    [/quote]





    I truly can't afford my work truck anymore...the fuel bill every month is ridiculous!



    I want help....will you help?

  10. #10
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    [quote name='Feslin' date='10 March 2010 - 08:47 PM' timestamp='1268272066' post='127758']

    What makes you think they don't contribute, dude?[/quote]

    A large portion do not.





    Here ya go.



    Oh, and here's a good little gem:


    Best estimates indicate that about one-third of the cost of health services received by the uninsured is “uncompensated care”—less than 3 percent of all U.S. healthcare spending. Most of those costs are covered by various taxpayer-funded payments (particularly disproportionate share payments to hospitals likely to treat more uninsured and low-income patients). There isn’t much left in the residual costs of uncompensated care to “shift” to private insurance premium payers.


    Maybe you need to read this again. When they say that 3% is uncompensated care that means after "most of the costs are covered by various taxpayer-funded plans".





    Meaning the supposed six people before Gabe forced the cost to his insurance company up... how much?



    Almost none.



    But, yeah, your made-up arguments with no factual backing are interesting, too...


    I'm not going to waste my time with links proving my point, maybe one day when you grow up you might be able to grasp it. If you are actually to conclude that the 50 million uninsured do not cost the rest of us you are a blithering idiot.

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