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Author: Subject: How many people in this country buy health insurance?

Extreme Peach



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  posted on 9/19/2009 at 10:45 AM
I'm covered by BCBS and it's part of my wife's plan as I'm self-employed. It's a good plan.
 

A Peach Supreme



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  posted on 9/19/2009 at 08:23 PM
quote:
quote:
SCB, through some of your other posts I know you are anti corporate...but your remarks :

"Then there are all those who have insurance provided as part of their compensation package at work. That doesn't leave many people who pay their insurance premiums out of their pocket every month."

Uh, the people at a corporation who get insurance through some sort of package that is part of their compensation is ONLY at the top, the CEO and a few under that position....the vast majority of others that work at a corporation PAY.

Granted a corporation can negotiate a good group rate, but trust me...the employees PAY.


I worked for a large corporation and was only a foot soldier and I have had health insurance from my employer since day 1 and into my retirement. I have never paid a dime.

This does bring up and interesting point about profits and waste. My wife is covered on my heath insurance. She also gets free health insurance from her employer, a hospital. I am covered on her insurance. Now we both have full coverage plans and we only need one plan. One insuance company is collecting from her employer and will probably never pay a dime for anything.


you probably get a pension too? as I get older, I can't help but think people your age really enjoyed the best of what America had to offer.

 

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Peach Master



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  posted on 9/19/2009 at 08:42 PM
quote:
I have a problem with the number that is being bandied about by the right, that 30 million people don't have health insurance. The other number in play is 47 million, and supposedly the difference is illegal immigrants, and those who don't want insurance.

I don't believe for a minute these numbers are real. I've been working in construction my whole life, and basically associating with folks who are working-class, blue-collar people. Most of them don't have college educations. Many, many men in America don't have insurance provided by their employer. In the construction industry, it has always been known that a valuable asset to have is a wife with a steady job with good benefits. Even if it didn't pay much, the benefits were what you were after.

I'm guessing these numbers count as "insured" all the elderly who are on Medicare, veterans who get health care through the VA, the very poor, who are covered by Medicaid, and all the children included in the federal plan to provide them coverage.

Then there are all those who have insurance provided as part of their compensation package at work. That doesn't leave many people who pay their insurance premiums out of their pocket every month. Those premiums are just too high to pay for with the average working-class paycheck. That encourages people to stay on welfare, because at least their kids have insurance. If you get a job that pays well enough to buy insurance, you probably get some benefits with the job, too, including insurance. Maybe one of the reasons that premiums, and profits, are so high for the insurance industry. Very few individuals actually pay for their products.

I wonder how many people who post here have insurance provided by their employer, how many buy their own, how many are on a government-run program, and how many are like me, and don't give have health insurance. Anyone care to weigh in?




I think prison and welfare cover the rest.

 

Maximum Peach



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  posted on 9/19/2009 at 09:35 PM
We have several choices where I work, but all of them cost the employee. On my paycheck, it shows what my contribution to the premium and what my employer's share is. For a family HMO plan (which is the least expensive and covers more out of pocket costs than the PPOs do) I pay $300 a month. My employer's share is about $700 a month for the plan I have. That's $1000 paid each month for my insurance plan!
My HMO plan is through Blue Cross/Blue Shield. I have $20 copay for office visits, and pay up to $25 for 30 day supply prescriptions, w/generics costing less.
I have friends who have the PPO plan, which they pay about $100/month more than I do, yet they are required to pay a deductible before anything is covered and then pay 80% after that, but can't go over the yearly maximum. Strange thing is that we all use the same doctors and hospitals...I can't figure out why anyone would choose that plan, but most people do because they think they have "better" care and more choice.
It's insane! lol
Also, BC/BS isn't non-profit, as far as I know. And they require pre-certification and approval (By a board of people who decide whether or not to cover your procedure/medication/test) for any tests or surgeries your doctor (you know, the one who has a degree in MEDICINE) says you need to have. I've been turned down before for a doctor prescribed medication and had to wait about 3 years to have a surgery my doctor said I would eventually need.
I think I'd rather take my chances with Socialized Health Care

Right now, my son isn't covered (he aged out) and called me to see if he should go to a doctor or not. He hurt is arm, but he really can't afford to go to the doctor. I told him to take Ibuprofen and see if it improved first so he doesn't waste his money by going to a doctor, pay around $75 for the visit, only to have the doctor to write him a prescription for Ibuprofen and will tell him to come back if it doesn't improve. If he went the hospital emergency room route, which many people do, that same scenario would cost around $250-300. It's such a scam! (And I can say that because I was employed in the medical field and have witnessed this over and over) ER doctors have to cover their arses by doing all sorts of tests/x-rays/CT scans/MRI's in case they miss something and someone ends up trying to sue them for misdiagnosing them) IT's a sad state of affairs, our healthcare is in this country.

 

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Zen Peach



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  posted on 9/19/2009 at 10:03 PM
Don't have it. The policy offered by my employer covers only basic services, which I can afford to pay for. What I need is a more catastrophic-type policy, which they don't offer.

 

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True Peach



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  posted on 9/20/2009 at 12:22 AM
Healthcare Insurance is a cluster ***k if you really try to wrap your mind around it IMHO. I assume the majority of folks don't dig too deep into it. I don't, except for educating myself recently due to the proposed healthcare reform. I've been covered my entire life. My family has always had coverage. I've been raised with the mindset that it's a big taboo to be without health coverage. It's insurance, without it your gambling something catastrophic won't happen to you. I pay for something that gives me some peace of mind that I won't lose my house or go bankrupt if something terrible happens. That sucks. I know a few people that would like to retire before age 60, the only thing holding them back is the cost of health insurance if they quit working and retired.

Getting back to the subject, when my son turned 21, I took out a BC/BS health and dental Ins. for him at $125 a month. Not bad. I had done the same for my oldest son until he graduated from school and got on with a decent sized employer (900 employees) that offered health Ins. I cancelled his health Ins. also thru BC/BS thinking that he could get a better deal thru his employer that would have leverage to negotiate for group Ins.
Wrong, his premium from his prior private plan was just about the same as his employer, but the 2-meds he had been taking for $60/month jumped to $400/month under his employer's group high deductible HSA plan. Plus a doctor visit on the prior private plan would cost about $20 versus whatever $80-$120 under the employer's plan. I'm also simplifying a few things here but that's basically what it amounted to. So SHOP around and try to figure out the differences on the PPO - HSA- HMO and private, whatever is being offered.

 

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Zen Peach



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  posted on 9/20/2009 at 10:33 AM
The insurance companies have us all by the balls.

Sue, that $1000 a month you and your employer are paying wouldn't be so bad if it was going into some kind of a fund to help finance YOUR medical needs. But it isn't. You could pay that $1000 a month for 40 years, and never go to the doctor a single time, and that money is pure profit for the insurance company. Then you could lose your job, and your coverage, and get sick a month later, and all that money you already spent won't get you an aspirin.

If this whole debate doesn't do anything else, at least the people in this country are starting to examine what a rip-off insurance companies are, and how they control health care in this country. And it exposes all those people too ignorant to find out what is really going on, and just do what glen Beck tells them to do.

Working in construction, I haven't had insurance through my employer but a few times, for short periods. I carried a policy on my son when he was living with me after his mother and I divorced. But it is way too damn expensive for a working class person to afford. 25 years ago it cost nearly $400 to cover my family.

But I learned something a long time ago. When an insurance company sells you any kind of policy, the odds are they aren't going to have to pay out as much as you pay in. They are willing to gamble that you will stay well, or not have a wreck, or drop the life insurance before you die, because statistics say they aren't. I decided to take the gamble, and not spend hundreds and hundreds of dollars every month because I was afraid something might happen. As it is, I've done pretty well. I very seldom get sick, and then it is just a cold or the flu.

But I'm 54 now, and I haven't had a check up of any kind in forever. I could have cancer right now and not know it. If I went to work for a company that offered me insurance, I'd probably take it. But I'd much rather see a system like Obama is trying to set up. I'd be more than happy to see some of the tax dollars I've paid in over the years go towards treating any illnesses I might have, and future tax dollars, too.

 

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Peach Extraordinaire



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  posted on 9/20/2009 at 11:20 AM
quote:
The insurance companies have us all by the balls.

Sue, that $1000 a month you and your employer are paying wouldn't be so bad if it was going into some kind of a fund to help finance YOUR medical needs. But it isn't. You could pay that $1000 a month for 40 years, and never go to the doctor a single time, and that money is pure profit for the insurance company. Then you could lose your job, and your coverage, and get sick a month later, and all that money you already spent won't get you an aspirin.

If this whole debate doesn't do anything else, at least the people in this country are starting to examine what a rip-off insurance companies are, and how they control health care in this country. And it exposes all those people too ignorant to find out what is really going on, and just do what glen Beck tells them to do.

Working in construction, I haven't had insurance through my employer but a few times, for short periods. I carried a policy on my son when he was living with me after his mother and I divorced. But it is way too damn expensive for a working class person to afford. 25 years ago it cost nearly $400 to cover my family.

But I learned something a long time ago. When an insurance company sells you any kind of policy, the odds are they aren't going to have to pay out as much as you pay in. They are willing to gamble that you will stay well, or not have a wreck, or drop the life insurance before you die, because statistics say they aren't. I decided to take the gamble, and not spend hundreds and hundreds of dollars every month because I was afraid something might happen. As it is, I've done pretty well. I very seldom get sick, and then it is just a cold or the flu.

But I'm 54 now, and I haven't had a check up of any kind in forever. I could have cancer right now and not know it. If I went to work for a company that offered me insurance, I'd probably take it. But I'd much rather see a system like Obama is trying to set up. I'd be more than happy to see some of the tax dollars I've paid in over the years go towards treating any illnesses I might have, and future tax dollars, too.


Medical Insurance Companies are equivalent to "NO Show Jobs" in the mob...we pay them to do nothing and then we have a bunch of right wingers defending getting screwed...It's amazing how people don't truly understand how the system works and how there is a middle doing nothing and taking your money...Why would anyone defend that system other than the one who making the buck for doing nothing

 

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Zen Peach



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  posted on 9/20/2009 at 11:23 AM
I think people are generally afraid of change of any kind.

 

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Ultimate Peach



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  posted on 9/20/2009 at 01:22 PM
Allen I'm glad that you're 54 and never had a serious medical problem, but that's what health insurance is for. Like auto, many of us go our whole lives without a wreck (I've never had one that cost more than $1,500 to fix the car), but it's there in case you're unlucky enough to be the one with a disaster.

Insurance spreads the risk. The insurance COMPANY spreads the risk. So out of 100 of us, maybe 80 are perfectly healthy, 10 have moderate health issues and 10 of us get really ill. But who knows which group they're in. You're in the 80, my son with his allergies is in the 10 with moderate issues. Frequent doctor visits, lots of scrip and 2-5 hospital visits a year for one thing or another. His best friend's father has kidney disease - dialysis, transplant, treatment etc...BIG BILLS.

But it's a crapshoot what you get and the insurance companies cover that. It's not fair to say they add no value at all.

 

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Peach Extraordinaire



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  posted on 9/20/2009 at 02:26 PM
quote:
Allen I'm glad that you're 54 and never had a serious medical problem, but that's what health insurance is for. Like auto, many of us go our whole lives without a wreck (I've never had one that cost more than $1,500 to fix the car), but it's there in case you're unlucky enough to be the one with a disaster.

Insurance spreads the risk. The insurance COMPANY spreads the risk. So out of 100 of us, maybe 80 are perfectly healthy, 10 have moderate health issues and 10 of us get really ill. But who knows which group they're in. You're in the 80, my son with his allergies is in the 10 with moderate issues. Frequent doctor visits, lots of scrip and 2-5 hospital visits a year for one thing or another. His best friend's father has kidney disease - dialysis, transplant, treatment etc...BIG BILLS.

But it's a crapshoot what you get and the insurance companies cover that. It's not fair to say they add no value at all.


All of this could be covered under a public funded system where profit is not the goal. I really find it ethically and morally bankrupt to make a profit off of other illnesses. Doctors and their support people don't make a profit they get paid for a service they provide. If we want a for profit system why can't we make the investment, pay for our coverage and we make the dividend if there are profits at the end of a quarter. Why does there need to be the middle man...It's very broken system and I don't see how anyone can defend it

 

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World Class Peach



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  posted on 9/21/2009 at 09:06 AM
Wife and I get full coverage through her employer (a hospital) it is not cheap but it is good our part is around 400.00 per month and her employers pays about the same, but it is full coverage , eye glasses ,dental etc etc ..

 

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