Posted on 11/10/2013 5:52:42 AM PST by IbJensen
“Rip it out and impeach the non-president.”..
You talking about odumbo’s heart (I assume he has one)? Who is the other person? (sarc)
-— I do have to ask however, whether it was through taxes or my higher health insurance premiums over the last ten years, who was subsidizing his cancer treatment -—
Group policy holders, if he was receiving insurance through his employer.
I lost my job a year ago, and we switched to my wife’s unsubsidized policy. We pay $12k/year, with a $6k deductible. On top of that, our HSA was eliminated. So we are postponing necessary tests on all family members. Our healthcare costs were 1/3 of our income last year.
Fortunately I just found a job, but it represents a 30% pay cut over my previous position. It’s going to take us a while to dig out.
Thanks communist voters.
I’ve seen policies like that. It also depends on what state you live in. He may have had the policy for a long time and it probably was more of a catastrophic care plan in any case...and the catastrophe struck.
The whole principle of insurance is that a large number of people pay something reasonable on a regular basis as a sort of gamble. Most of them will never have occasion to use it, or not for much. But a few people - could be you, for example - may need to make extensive use of it. So you’re covering yourself against that possibility although, one hopes, it will never happen to you.
Or the thousands like it...
Deaths from Communists throughout history:
65 million in the People’s Republic of China
20 million in the Soviet Union
2 million in Cambodia
2 million in North Korea
1.7 million in Africa
1.5 million in Afghanistan
1 million in the Communist states of Eastern Europe
1 million in Vietnam
150,000 in Latin America (mainly Cuba)
10,000 deaths “resulting from actions of the international Communist movement and Communist parties not in power.
1 and counting - USA under Obama
Coming to a city near you.
It’s always good to rehash history; however, with this Soetorocare (or Lucifercare) the wiser course is to deal with what now confronts us: evil personified.
Of course you can’t buy anything for $180 per month, but in what existed in the past was covered in one of my comments and I don’t want to repeat it.
Deal with the present circumstances, RR, and stop trying (in your mind, at least) to scrub up this evil mess.
It’s nothing to me. Looks like an abbreviated yardstick. And it’s DR. JENSEN to you!
Our insurance switched the people who do prescriptions. I received a notification that the medicine I have found to work for me will not be included in ANY kind of coverage with this new company. My choices? Use something that I’ve already tried and didn’t work, or go off the grid and try to figure out herbal/homeopathic remedies.
It’s not a surprise. But how do I tell my doctor that I want her to find me NON-PRESCRIPTION remedies because I have no faith that prescriptions will be available to me when there’s a regime in charge that would love to see me dead, for a million different reasons.
We had a plane flying low overhead circling our neighborhood. It smelled like tree spray to kill bugs - the stuff they tell you to wear a respirator when you apply it. My son saw the insignia by the tail so I looked it up online. If I’m understanding correctly it was a federal government plane out of Oklahoma. Given all the stuff we’ve seen about this regime, what assurance do I have that they weren’t spraying us with stuff they know will get us sick or kill us? The drinking water had a strange taste the other day as well. Given that the regime has appointed people to positions of power who have said that putting abortifacients or other poisons in the water is an ethical way of reducing the population, what should I think about that?
To anybody who hasn’t been watching this regime I would sound crazy; I better watch out because Sebelius is going to involuntarily commit me to a psych hospital.... But to anybody who has been watching this administration - what they said before they got into office and what they have done since being in office - a person would be crazy to NOT consider that they are engaging in covert war to kill people like me.
Who will defend us? Who will realize that these are the thoughts that go through people’s heads when brute aggression goes unanswered and unchallenged? Congress? Yeah, right.
well then it’s wildstreak esquire to you
btw, I hope it’s a medical doctor, Dr. IB because if it is a doctorate in psychology I am not calling you doctor
Health insurance is about pooling of the risk, just like auto insurance. Sure this guy had cancer and the insurance company paid out a lot for his claims, but lots of people, especially younger people, have healthcare and have very few claims like which are typically low cost.
Insurance is NOT designed to be profitable at any, specific individual policy level.
Insurance is a way of pushing off risk to an entity willing to assume that risk in exchange for regular payments (premiums).
The profit to the insurance carrier derives from detailed underwriting (define the risks at the individual level), controlling costs (payments out to service providers), and well managed internal costs, spread over their policyholders (the risk pool).
What has horribly skewed this over the past fifty years or so is the knee-deep involvement of FedGov in the health care industry. And, now they want it all.
So, to answer the question “Who is paying for the rest of that cost?”...the other policyholders in the same risk pool as you; the ones who don’t have prescription costs in excess of their premiums.
Isn't that what insurance companies keep selling in their ads? Trust.
Probably worked for a company like mine that picked up 2/3 of the policy. Before I semi-retired not that long ago my portion of was in that ballpark. The company stopped offering that policy probably because it was determined to become a Cadillac plan under ObamaCare.
Part of the reason for the apparent disconnect is that the healthcare industry uses fake pricing for most of its services. The price on the bill which you see if you don't have insurance is vastly inflated over the price which the hospital or doctor actually expects to get paid. So the hospital invoice may show a $800 charge, but the hospital accepts $175 from the insurance company and writes of the rest as a "discount". The real price is the $175 that changes hands, not the $800.
Similar situations exist with prescription drugs, so it is very hard to know how much medical care or drugs really cost. When a hospital says "We provided $5000 in unpaid medical care to an uninsured person" they are really saying something like "We provided the same care we normally get paid $2300 for by Blue Cross and every other insurer, and it actually only cost us $900 in labor and supplies to provide the care."
The amount of the discounts vary constantly, and even for industry insiders it is hard to know what the actual costs and prices are. But hospitals and drug store companies are building brand new facilities all over the country. That tells you a lot about whether or not they are making money.
Are we having fun yet?
Rand Paul has the right idea about health insurance. It should be sold like life insurance. People should buy 40 year policies at age 21, which would last until Medicare kicks in.
Obviously, writing such policies would be incredibly complex, but that’s what actuaries are for.
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