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| No. 10 | 
May 21, 2009, 06:39 AM
 Re: Talk of insurance mandate growing
I suspect it would be prorated according to income. In Pa all kids are covered and it is prorated. It actually works pretty well. You have to force people to carry insurance because of all of the people who just refuse to carry it even though they have plenty of money for everything else. One good thing, if you become ill and your income drops your premiums will drop.
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May 21, 2009, 08:38 AM
Re: Talk of insurance mandate growing
wow this is crazy. thanks for the info everyone.
| | No. 13 |
May 21, 2009, 08:59 AM
Re: Talk of insurance mandate growing
Because I have asthma and have a history of several surgeries, my monthly premium would be $1210. (34 year old female)
This is not unusual. Ask anyone with a history of health problems who has tried to get individual health insurance. YOU HAVE BUY IT YOUNG..
I have asthma, depression crohns disease, and high blood pressure.
I am 27 126 pounds, 5'6.
I pay 279$ a month for BCBSNC. I am considered a 'standard' on their pay scale.
When I FIRST bought insurance, I was 18, with only asthma and depression. THEY COVERED IT, no problem. I do 120$ more than a 'preferred member', but that is what asthma and depression does.
IF you go out at 40, 35, 50. ETC.. And try to get health problems covered, you are screwed!
You have to buy coverage when you are young, and BEFORE you need it.
I developed crohns disease and Blood pressure problems after I bought the insurance.
Crohns was diagnosed in 2004, BP in 2007. My rates were not jacked up, and none of my claims have been denied. In fact, when I was going through a health care crisis, they had a nurse call me and make sure I was doing well, and she made sure I got a free BP cuff to take my BP at home.
People are waiting until they are sick to try and buy ins, and you cannot do that if you want a good rate.
| | No. 14 |
May 21, 2009, 09:39 AM
Re: Talk of insurance mandate growing
weird double post
| | No. 15 |
May 21, 2009, 09:39 AM
Re: Talk of insurance mandate growing
That's the thing about health insurance. You have to prove you don't need it to get it at a reasonable rate.
As far as covering
| | No. 16 |
May 21, 2009, 09:41 AM
Re: Talk of insurance mandate growing
That's the thing about health insurance. You have to prove you don't need it to get it at a reasonable rate.
As far as covering elective procedures such as the octo-mom, maybe if she had been covered she would never have been allowed to have that many implanted.
If there is a national insurance then people can be held more accountable for their actions as well. Frivolous ED visits could be curtailed. But you have to have people from the top on down with the cajones to enforce it.
| | No. 17 |
May 21, 2009, 10:39 AM
Re: Talk of insurance mandate growing
Its kind of unfortunate that the discussion is being shifted away from a simple single payer healthcare system. Instead, Republicans are proposing all these bandaid, stop-gap measures like giving people tax breaks and subsidies. These are just methods to try to bargain us away from true health care reform. I for one won't settle for such a gimmick.
Single payer is simple, more efficient, all encompasing, and most humane. The reason medicare doesn't work as well as private healthcare institutions is because everyone in medicare is 65 or older, disabled, and the most medically needy demographic group in our country. If everyone, 18 and up was pooled into medicare, the risk would be spread out, no executives or private insurance company middle men would take a cut, and we would also have the bargaining power to negotiate with drug companies for cheaper prices.
I think Bluenote posted this up and it is indicative of how the private healthcare industry is fleecing America. Uwe Reinhardt: Well, I once did a dumb thing: I asked an insurance executive “What do you pay in New Jersey for a colonoscopy?”
And he just laughed at me and said, “What a silly question. There is no price for a colonoscopy. We have a different price for every hospital. And for the same hospital, we might have six prices depending on the insurance product, is it an HMO, etc.”
So I said, “This is mad. How many could there be?”
He says, “There could be 30, 40 for us, but then with Aetna, they could have another 30, and everyone has a different contract, so a hospital might receive 60, 80,100 different prices for a colonoscopy, depending on which insurance company and what contract it is. So when you say ‘What are the private market prices?’ there is no price.”
And I said, “Well how, when you have consumer-directed health care, where people are supposed to shop around, what are you going to tell them?”
And he said, “We can’t, really. What would you tell them?”
There is no real price, and every price has been negotiated and haggled over. So imagine what it costs compared to a system where a government negotiates with a physician association. Here’s the fee schedule, and that’s it, and everyone uses the same fee schedule. You can put that into a computer. You have a little card like an American Express card. The price list is already there. You swipe it through, the doctor keys what he or she did and here’s your bill. Well here you have to look at what contract was it and the coding turns out to be wrong, and the bill isn’t clean. http://worldfocus.org/blog/2009/01/2...e-system/3783/ | | No. 18 |
May 21, 2009, 11:18 AM
Updated
May 21, 2009 at 11:48 AM by awsmfun
Re: Talk of insurance mandate growing Originally Posted by DrugReptoNurse  I think it will be more likely a choice of health insurance or cell phone, internet access, cable tv, new rims for your car, flashy clothes, a new grill for your teeth etc.
After working in a low income neighborhood and seeing what choices people make to "have" instead of having health insurance....well...I have become a bit cynical.
In my experience....granted my experience has only been in Southern California and Southern Florida...I have yet to meet an uninsured patient who hasn't carried a cell phone with them. Last time I checked cell phone bills were running $100 a month. You can get HEALTH INSURANCE for less than that.
Trust me! You can't get HEALTH INSURANCE for $100 a mtn! If so--let me know where and I'll sign up! I pay almost $1000 a mth for health insurance for me, age 51 and 2 healthy teenagers. And that's with a $50 office copay...I've paid $60,000 in insurance premiums, copays and deductibles since my husband died (4 1/2 years) and we had to COBRA his insurance. Since I have a pre-existing condition, I don't qualify for an individual policy. My cell phone bill is $39.00 a mth, and does not include texting, caller ID etc. With 35% of our income going to health insurance, it's getting harder and harder to keep a roof over our head, not to mention groceries. I don't mind paying for health insurance, and do not believe it should be free, but to pay that much to a FOR PROFIT company is criminal. Mandated health insurance--yes but only if they make it affordable to everyone. Granted, you have to pay for auto insurance if you have a car, but you can always take the bus or "public" transportation. Currently there is no "public" insurance. Mandatory health insurance cannot be required unless "public" health insurance is an option.
You've probably seen the "health insurance" ads on TV where you can insure a family for $239 a mth...but have you looked to at the fine print to see what they actually pay? Yep--they'll pay for an ER visit--$50.00! Get admitted to ICU? Yep--they'll pay $300 a day....this companies are criminals also becasue people really think they have health insurance!
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That would be me! I fall into the pre-existing condition category, so it infuriates me when people blithely dismiss claims that you simply cannot get affordable (if you can even get it) individual health insurance, or throw out misleading info about "cheap" options. They are cheap for a reason, as multicollinearity explained.
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