Don't click or your IP will be banned


Hittin' The Web with the Allman Brothers Band Forum
You are not logged in

< Last Thread   Next Thread ><<  1    2  >>Ascending sortDescending sorting  
Author: Subject: How many people in this country buy health insurance?

Zen Peach





Posts: 15832
(15866 all sites)
Registered: 8/9/2002
Status: Offline

  posted on 9/18/2009 at 12:54 PM
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?

 

____________________


 
Replies:

Zen Peach



Karma:
Posts: 18637
(18697 all sites)
Registered: 2/9/2006
Status: Offline

  posted on 9/18/2009 at 12:56 PM
I pay for mine.

Every 2 months.

Blue Cross.

 

____________________


 

Maximum Peach



Karma:
Posts: 8643
(8641 all sites)
Registered: 12/14/2004
Status: Offline

  posted on 9/18/2009 at 01:02 PM
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.

 

____________________
You want to talk to me
Go ahead and talk
Whatever you got to say to me
Won't come as any shock

 

Zen Peach



Karma:
Posts: 15832
(15866 all sites)
Registered: 8/9/2002
Status: Offline

  posted on 9/18/2009 at 01:03 PM
I don't really know much about Blue Cross. Aren't they non-profit?

Btw, do you think the average working class man, making less than $20 an hour in California, for example, could afford your policy and not find it burdensome?

 

____________________



 

Zen Peach



Karma:
Posts: 15832
(15866 all sites)
Registered: 8/9/2002
Status: Offline

  posted on 9/18/2009 at 01:06 PM
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.


Enlighten me. How do they pay? I thought when you had insurance provided by your employer, they pay the premiums. Do you pay part of them? Do you write a check to an insurance company?

 

____________________



 

Zen Peach



Karma:
Posts: 15832
(15866 all sites)
Registered: 8/9/2002
Status: Offline

  posted on 9/18/2009 at 01:12 PM
Thanks, John. I thought that's the way it is for many people. Many of you might be surprised to know that almost no one in construction has insurance through their employer, unless they work for a big company. Most jobs are temporary, anyway, until the job is over. Let a couple of months with no work go by, and you are going to lose all the money you already paid into a plan when you can't afford to keep it up.

 

____________________



 

Zen Peach



Karma:
Posts: 15832
(15866 all sites)
Registered: 8/9/2002
Status: Offline

  posted on 9/18/2009 at 01:15 PM
quote:
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.


Enlighten me. How do they pay? I thought when you had insurance provided by your employer, they pay the premiums. Do you pay part of them? Do you write a check to an insurance company?

I think what he means is, if it costs your employer $200/mo to pay your insurance premium, that's $2400 a year that might have otherwise ended up in your paycheck.


Would it? Every job that I've had that included insurance still paid about what the prevailing wage in the area did. If they had not offered insurance, i don't think they would have offered more money on the check. They offered the insurance to try to keep loyal employees who would otherwise leave for a few dollars an hour more. And because they already had good employees they wanted to keep, and help them and their families.

 

____________________



 

Maximum Peach



Karma:
Posts: 8643
(8641 all sites)
Registered: 12/14/2004
Status: Offline

  posted on 9/18/2009 at 01:15 PM
quote:
Enlighten me. How do they pay? I thought when you had insurance provided by your employer, they pay the premiums. Do you pay part of them? Do you write a check to an insurance company?


My company, negotiates a group rate and then pays a portion of my premium, not exactly sure how much they pay....but I have my part of the premium taken out of my check, which is not cheap, coverage for me and my two boys with a Blue Cross HMO.

 

____________________
You want to talk to me
Go ahead and talk
Whatever you got to say to me
Won't come as any shock

 

Zen Peach



Karma:
Posts: 46252
(46253 all sites)
Registered: 7/8/2004
Status: Offline

  posted on 9/18/2009 at 01:16 PM
My wife and I both work in a hospital. A portion does come out in payroll deductions but the hospital has a supplemental plan where if you get treatment/have your doc here there are no copays.

 

____________________
"Live every week like it's Shark Week." - Tracy Jordan

 

Zen Peach



Karma:
Posts: 46252
(46253 all sites)
Registered: 7/8/2004
Status: Offline

  posted on 9/18/2009 at 01:16 PM
Oh, and SCB, check yer PMs.

 

____________________
"Live every week like it's Shark Week." - Tracy Jordan

 

Zen Peach



Karma:
Posts: 15832
(15866 all sites)
Registered: 8/9/2002
Status: Offline

  posted on 9/18/2009 at 01:19 PM
Thanks, Bhawk. I checked it yesterday and for got to go back and reply.

 

____________________



 

Extreme Peach



Karma:
Posts: 998
(1012 all sites)
Registered: 3/28/2004
Status: Offline

  posted on 9/18/2009 at 01:21 PM
I have Blue Cross Personal Choice through my employer, my cost is $40/wk pre-tax. Also, deductibles for office visits/prescriptions have gone up, holding steady the last couple of years.
 

Zen Peach



Karma:
Posts: 67530
(67891 all sites)
Registered: 11/28/2001
Status: Offline

  posted on 9/18/2009 at 01:21 PM
My place has a smorgasboard - you can opt out, take a couple different PPO options, or use an HMO. I pay a good chunk of change to have the best PPO plan with family coverage. Since my wife works at a company that offers insurance, I have to pay $1000 for her to be covered by mine. Mine is Blue Cross/Blue Shield. There are different plans for dental and eyecare. There is also a plan for people with ongoing problems - asthma, etc - I think it is called Managed Care. There is also a different card for prescriptions.

The costs keep going up, but you have options and they do provide good coverage.

[Edited on 9/18/2009 by Sang]

 

____________________

 

Maximum Peach



Karma:
Posts: 8643
(8641 all sites)
Registered: 12/14/2004
Status: Offline

  posted on 9/18/2009 at 01:23 PM
BTW SCB, I thought at first you were going to dissect the number of uninsured being thrown around, which I attempted to do in this thread, didn't really get anywhere:

http://www.allmanbrothersband.com/modules.php?op=modload&name=XForum&am p;file=viewthread&tid=97177#pid2261407

 

____________________
You want to talk to me
Go ahead and talk
Whatever you got to say to me
Won't come as any shock

 

Zen Peach



Karma:
Posts: 18593
(18594 all sites)
Registered: 11/20/2006
Status: Offline

  posted on 9/18/2009 at 01:26 PM
Insured through employer program. The corporation I work for offers a variety of different choices (believe there are 4-5 possibilities) at different price points for health insurance. They pay a portion of the premium, I pay a portion and everytime I feel like complaining about the costs I try to remember what it can cost somebody to purchase health insurance on an individual basis in this country - I've heard figures like $300+ per month - and I feel pretty lucky for what I have because it only costs me a fraction of that. Just picked up 4 perscriptions - my cost at the pharmacy $0.00. I have heard from some folks recently who are insured through programs in their work places that their health insurance took a dive this past year in terms of quality and scope of coverage. I think this is one area in which employers try to recoup costs when times are tough. Which sucks since it is also one thing that is included when presenting an employee with their total compensation package figures so cutting their insurance basically amounts to cutting their pay but not calling it that.

 

____________________
"Come on down to the Mermaid Cafe and I will buy you a bottle of wine, and we'll laugh and toast to nothing and smash our empty glasses down..."

 

Zen Peach



Karma:
Posts: 15832
(15866 all sites)
Registered: 8/9/2002
Status: Offline

  posted on 9/18/2009 at 01:28 PM
If someone wants to do the research to dissect the numbers, that's fine with me.

I was hoping someone would have some info, not just conduct a poll.



[Edited on 9/18/2009 by SantaCruzBluz]

 

____________________



 

Zen Peach



Karma:
Posts: 15832
(15866 all sites)
Registered: 8/9/2002
Status: Offline

  posted on 9/18/2009 at 01:47 PM
quote:
87% of Employers to Reduce Benefits if Health Care Reform Increases Costs

http://newsbusters.org/blogs/terry-trippany/2009/09/17/87-employers-reduce- benefits-if-health-care-reform-increases-costs


I don't blame them. They know most of the money they pay out isn't going to health care. It's going to fund all kinds of things insurance companies spend money on. Why is your health care something your employer should be involved in , anyway?

[Edited on 9/18/2009 by SantaCruzBluz]

 

____________________



 

Zen Peach



Karma:
Posts: 27533
(27822 all sites)
Registered: 2/18/2006
Status: Offline

  posted on 9/18/2009 at 02:22 PM
Up until 2002 Johnny nor I had insurance and neither did our children. Fortunately since then Johnny has had insurance and I got coverage in 2005 however it's only been recently that one of our daughters got coverage and our granddaughter, grandson-in-law and their baby remain uninsured. It's been a heck of a rough ride for a long time which gives me empathy for those who don't have coverage. I don't know the exact number for those in this country who are uninsured, but even one million is too many.

 

____________________
Sometimes we can't choose the music life gives us - but we damn sure can choose how we dance!


 

Peach Extraordinaire



Karma:
Posts: 4433
(4433 all sites)
Registered: 2/27/2006
Status: Offline

  posted on 9/18/2009 at 02:44 PM
I've done it both ways. I've paid nearly a grand a month for a healthy family of four and had it cover virtually nothing short of catastrophic situations. Don't tell me Republicans don't want health-care reform, they absolutely do. They just don't want BarryO's socialist powergrab and BarryO doesn't want Republican input, his lip service notwithstanding.

Consequently, I've also had employer provided insurance and, unlike many who believe it to be an entitlement, a perk or extra, I've always been cognizant of the fact that health insurance is a portion of one's compensation.

 

____________________
As a patriot and a loyal member of the opposition I pledge to offer our new President the very same benefit of the doubt and unwavering support that the left offered George Bush over the last eight years.

 

Extreme Peach



Karma:
Posts: 1567
(1567 all sites)
Registered: 10/19/2002
Status: Offline

  posted on 9/18/2009 at 02:51 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.


Before I retired my wife and I were both covered for dental by Delta DEnta provided as part of our compensation package through work. My company paid premiums for me and my dependants as did hers. My coverage porvided for two cleanings a year as did hers . Essentially paying for 4 cleanings but we were only allowed to use two. The insurance company recieved payments for 4 only allowing two making a profit off of one of our employers.

 

____________________
" I love that woman better than any woman I've ever seen"

 
E-Mail User

Zen Peach



Karma:
Posts: 18504
(18970 all sites)
Registered: 1/19/2002
Status: Offline

  posted on 9/18/2009 at 05:16 PM
quote:
I don't really know much about Blue Cross. Aren't they non-profit?

Btw, do you think the average working class man, making less than $20 an hour in California, for example, could afford your policy and not find it burdensome?


When you cannot afford insurance, save what money you can and just go to the Dr. (like a Doc in the box type Dr.) when you have at least 3 things wrong. Most doc in the boxes will give you fee samples since they know you can't afford the prescriptions. I've done that in between insurances.

 

____________________
"Mankind is a single nation" "Allah did not make you a single people so he could try you in what he gave you, to him you will all return, he will inform you where you differed". Quran Chapter 2 Sura 213

 

Zen Peach



Karma:
Posts: 27533
(27822 all sites)
Registered: 2/18/2006
Status: Offline

  posted on 9/18/2009 at 05:27 PM
Little known information. If you don't have money to go to a hospital, ask for patient services and request the form for financial assistance. You can do that once a year and they'll pick up your cost of treatment at the hospital. At least they used to.

Also, as Gina said, your doctor will either give you samples or you can contact the drug companies direct for free medications. I haven't found anything for dental care, but there are some avenues to explore for health care when you can't afford private insurance and make too much money to qualify for medicaid.

 

____________________
Sometimes we can't choose the music life gives us - but we damn sure can choose how we dance!


 

World Class Peach



Karma:
Posts: 1534
(5132 all sites)
Registered: 9/3/2003
Status: Offline

  posted on 9/18/2009 at 05:37 PM
quote:
My wife and I both work in a hospital. A portion does come out in payroll deductions but the hospital has a supplemental plan where if you get treatment/have your doc here there are no copays.


I am willing to wager, that the same hospital also employs "per Diem" and pays a higher hourly wage, without providing "benefits"

hence those of you who get benefits actually "pay" with a lower wage

 

____________________
There ain't no Good Guy, There ain't no Bad Guy. There's only you and me and we just disagree

 

Ultimate Peach



Karma:
Posts: 3636
(3636 all sites)
Registered: 5/1/2002
Status: Offline

  posted on 9/18/2009 at 06:25 PM
We have the smorgasbord at work, choices with various employee contribution and copay options, as well as HMO's etc. It costs me a decent amount of each check to cover me and the kids, plus $20 copays and any brand name prescription is $45/30 day supply copay. Generics are less.

 

____________________
Walk down on the street and leave, my blues at home

 

Zen Peach



Karma:
Posts: 16491
(16491 all sites)
Registered: 6/4/2004
Status: Offline

  posted on 9/18/2009 at 07:13 PM
I'm a retiree of a major Telecommunications company and I "buy" my family insurance...at a retirre rate mind you. Don't know how long it will last.

My wife works for one of the Big 4 Full Service Firms and she has the option to buy.. higher rate than I pay, but it is an option of us.

Maybe the other side of the coin is, how many people don't buy because they are willing to roll the dice, being young and not feeling they want insurance.

Maybe its a right(to some) and maybe some folks decide they don't want it.

 

____________________


R.I.P. Hugh Duty


 
<<  1    2  >>  


Powered by XForum 1.81.1 by Trollix Software


Privacy | Terms of Service
The ALLMAN BROTHERS BAND name, The ALLMAN BROTHERS name, likenesses, logos, mushroom design and peach truck are all registered trademarks of THE ABB MERCHANDISING CO., INC. whose rights are specifically reserved. Any artwork, visual, or audio representations used on this web site CONTAINING ANY REGISTERED TRADEMARKS are under license from The ABB MERCHANDISING CO., INC. A REVOCABLE, GRATIS LICENSE IS GRANTED TO ALL REGISTERED PEACH CORP MEMBERS FOR The DOWNLOADING OF ONE COPY FOR PERSONAL USE ONLY. ANY DISTRIBUTION OR REPRODUCTION OF THE TRADEMARKS CONTAINED HEREIN ARE PROHIBITED AND ARE SPECIFICALLY RESERVED BY THE ABB MERCHANDISING CO.,INC.
site by Hittin' the Web Group with www.experiencewasabi3d.com