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| No. 30 | 
May 21, 2009, 05:10 PM
 Re: Talk of insurance mandate growing Originally Posted by FairyCari 
I have kept my insurance INSTEAD of going to employer coverage for ONE reason, in the end if anything happens and I lose a job, I need to keep my insurance. My husband and I are fairly well off, no debt, etc.. So paying for it would not be an issue, should work become non existent.
I have had individual coverage for YEARS, and I love it because I take responsibility for my coverage.
I am sincerely glad this has worked for you. However, everyone is not "well off" (independently wealthy) and most could not continue paying for their health insurance coverage without working to pay their bills.
It is also unrealistic to expect families to take out individual policies and pay upwards of $10,000 per year or more to maintain private individual coverage when they can, at times, get employer coverage for much, much less.
Your response is underwhelming because it basically says "works for me...meh...don't care that it doesn't work for millions of other people and they are screwed."
 | | Advertisement Sponsored Links | | | | No. 31 |
May 21, 2009, 05:10 PM
Re: Talk of insurance mandate growing Originally Posted by DrugReptoNurse I answered the health insurance questions honestly.
No problem at all getting insurance with one prior cancer surgery, Mohs, and my hypertension.
That may be so, but that doesn't mean that this is the case for millions of other American citizens. The cracks that have become canyons in our healthcare system have been well documented.
Sounds like you haven't fallen through - good for you. Now I'm going to support policies and politicians that want to help our fellow citizens that have fallen on bad times and help them back up.
| | No. 33 |
May 21, 2009, 05:21 PM
Re: Talk of insurance mandate growing Originally Posted by DrugReptoNurse I pay $47 a month through BCBS of Florida. Yes, it is only for major hospitalization with a $2500 deductible but it is what I need.
My stats, 40 years old, single father, history of HTN...I take a generic ACE and prior history of cancer....skin cancer removed. My son who is 7 gets the same level of coverage for another $47 month.
If I need immediate health services I visit a minute clinic, see an NP and pay $75 for the visit.
Check it out before you claim you NEED government socialized health care.
For less than the cost of a cell phone bill you can get major hospitalization and surgical insurance.
Don't believe me....bcbs.com and find your own quote
Actually, it's likely your coverage is a "limited benefit" policy. That's what the BCBS of Florida brochure I posted said. That's the only kind of "coverage" you can get for about $50 per month. I am not describing your coverage as limited benefit, rather "limited benefit" is a legal distinction for a certain type of policy like the "limited benefit" plan in this article: http://www.usatoday.com/money/indust...coverage_N.htm Christopher Closson, right, with Kristen, from left, Lindsay and Jonathon, was left owing $200,000 for his late wife's medical bills under a Mega Life policy that he says was deceptively advertised...
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What they often didn't say, according to Massachusetts' top prosecutor, was that the companies' standard policies didn't cover doctors' office visits. Or prescription drugs. Or chemotherapy. Or some lab tests and X-rays...
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"The idea behind being privately insured is that your insurance company will pick up the bills when you're sick, not for government programs to pick up the bills after you've paid premiums to the insurer," says Georgetown's Kofman. "By the time a consumer realizes they don't have a major medical policy, it's too late."
| | No. 36 |
May 21, 2009, 05:30 PM
Re: Talk of insurance mandate growing
I hear all this talk of libertarianism, of keeping government out of...everything. But what exactly are libertarians referring to?
It reminds me of all those bankers on wall street. Not too long ago they were in their golf carts cursing the government for not giving them MORE deregulation (hard to believe). Now they're coming to beg DC for money. And the sad thing is, they have America hostage because failures of big banks would truly lead to a depression....but lets put economics away for now. Back to the topic...
What is it you want government out of? I understand you want it out of healthcare.
How about the military?
NIH funding? FDA? FAA? DOD? TSA?
Funding of Universities? Nursing programs? Teacher programs?
How about no more Federal funds for your state's highways?
How about no more EPA to make sure that landfill down the street dosen't seep toxic chemicals?
How about just absolving organized society all together and we'll just all live in a state of nature where the strong overtakes the weak and our liberty is only limited by those who are stronger than us?
What is it about a responsible representative democracy that puts you off so much? I see a lot of good things.
| | No. 37 |
May 21, 2009, 05:32 PM
Re: Talk of insurance mandate growing
I do not trust the government to run health care for the entire population of the United States. For better or worse, healthcare has always been and always will be a business.
Two examples of a businesses that the government runs shows what can happen to healthcare if the government takes over with a single payer system:
The US Post Office and your local DMV
Need I say more? Do you want your healthcare run like these two examples?? I for one do not.
I'll buy my own insurance and take care of myself and my family. I don't need the village to do it for me even with my prexisting conditions. As a responsible adult, you shouldn't either.
| | No. 38 |
May 21, 2009, 05:32 PM
Re: Talk of insurance mandate growing Originally Posted by FairyCari BCBSFL Offers a Hospitalization plan that is UNIQUE.
It is a high deductible health plan.. Say 2500+.. 100% coverage of hospitalization after you meet your deductible. That was one plan I looked at.
ONLY covers hospitalization, BUT would you not rather pay 2500 for an appendectomy than 30,000?
This plan? The ~$50 per month plan? http://consumerdirect.bcbsfl.com/wps...df?MOD=AJPERES
It says on the first page that it is a "Limited Benefit" plan. They are unique alright.
Now yes, you can get plans (if you qualify) that will pay 100% after a deductible. But those plans are not going to be anywhere near $50 per month. Think much higher.
| | No. 39 |
May 21, 2009, 05:35 PM
Re: Talk of insurance mandate growing Originally Posted by DrugReptoNurse I do not trust the government to run health care for the entire population of the United States. For better or worse, healthcare has always been and always will be a business.
Two examples of a businesses that the government runs shows what can happen to healthcare if the government takes over with a single payer system:
The US Post Office and your local DMV
Need I say more? Do you want your healthcare run like these two examples?? I for one do not.
I'll buy my own insurance and take care of myself and my family. I don't need the village to do it for me even with my prexisting conditions. As a responsible adult, you shouldn't either.
I understand. Seriously, I do. I used to believe the same way, for years, when I was a health insurance agent. It took years to change my thinking.
Fact is, though, you are in denial regarding your policy. If you or your child develop a serious illness, unless you have $200,000 in the bank available for healthcare expenses, you CANNOT take care of yourself or your family with the kind of coverage you have.
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