Talk of insurance mandate growing

My policy is a limited benefits plan. I just read the fine print a few hours ago for my own reference.

It covers everything you mentioned except doctors office visits.

Yep, I get MRIs, Chemo, physical therapy and PRESCRIPTION medications.

Do some more research as your statements are flawed. After my $2500 deductible BCBS covers at 80% whatever I am charged and I pay $47 a month for me and $47 per month for my son. My total annual out of pocket will not exceed $5000 a year. Your scare tactics of going on Medicaid and filing for bankruptcy are without merit.

I am happy

How can you make sure you don't end up with junk health insurance?
Consumer Reports says never buy a policy labeled "limited benefit" or "not major medical insurance."

"The policies are like Swiss cheese. And the way they're written, it's really hard to spot the gaps," said Nancy Metcalf, with Consumer Reports. "Even the insurance expert we hired to help us with this project had a hard time deciphering some of them."

Consumer Report said the buzz word on many junk policies is "affordable."
"Many big-name insurance companies are offering these. They look like a good deal because the premiums are low – but they're low for a reason," Metcalf said. "They are so riddled with loopholes, limits and exclusions that they will not come close to covering your expenses if you ever fall seriously ill."


http://www.wral.com/news/local/story/5190880/


...


Many people who believe they have adequate health insurance actually have coverage so riddled with loopholes, limits, exclusions, and gotchas that it won’t come close to covering their expenses if they fall seriously ill, a Consumer Reports investigation has found.

http://www.consumerreports.org/cro/m...view/index.htm

What you may or may not realize is that those people you are calling "cubicle monkeys" are very often....REGISTERED NURSES!!!

I know, i've worked with them. I think the name calling needs to cease at this point.

http://www.calnurse.org/media-center...temID=29182756
Just a few days before gallbladder surgery, she found out from a hospital that the little-known kind of policy she bought 2½ years ago would cover only a small portion of the bills. She will pay thousands of dollars out of her own pocket because the policy caps payouts for various services at very low amounts.


"I cried for two days because I didn't know what I was going to do," said White, an instrumentation technologist in Lake Jackson, Texas, who had to have her gallbladder removed before it ruptured. "I was just devastated. I was angry."
White, 34, has a "limited benefit plan," which employers increasingly offer hourly, part-time and temporary workers, and insurers such as Aetna and CIGNA see as a growing opportunity.


In a nation of 46.6 million uninsured, including 407,000 in Connecticut, the plans have spurred impassioned debate about the question "Is something better than nothing?" and whether they're a good step toward universal health care.

The plans' premiums are thousands of dollars cheaper than regular health insurance, sometimes costing less than $1,000 a year for an individual...

Not all buyers may understand that limited benefit plans, unlike high-deductible health insurance or home and auto coverage, aren't meant to cover life's catastrophes. Insurers insist their marketing doesn't try to portray the plans as comprehensive coverage for serious illness.

I do take offense to "cubicle monkey"

As an African America the word monkey obviously is offensive to me when used in your context.

I would say about 1/4 of the insurance auditors I worked with at PacifiCare were African Americans. Yes, it does offend me as I am sure it would offend my prior coworkers.

I believe when you spiral down into name calling #1 It shows a lack of character and #2 It weakens your arguement.

An anonymous, soulless white-collar cubicle dweller.
Bob is a cubicle monkey. He works from nine to five doing God-knows-what under fluorescent lights in a moveable three-walled office.