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View Full Version : OK Republicans - now is your chance...


wantafanta
20-09-09, 02:16
I got my insurance statement today telling me how much was paid to my doctor and how much I have to pay.
The doctor was a GastroEnterologist - and expert on the digestive tract. I was visiting him
for pain recurrent in my lower intestinal tract. The office consultation lasted about 15 minutes - maybe less.
The charge? $602 !!!!!!!
The exam was just a routine one, nothing special.
Do the math people ---- $2,400 per hour!

So the insurance - a group plan which I get through my employer - negotiated that down to $225. They paid $180. I now owe just $45.

Now, if you are not working and don't have insurance... you don't see the doctor and you deal with the pain and the ever nagging question "is it cancer?" Maybe it isn't and your just going through stress. Or maybe you are dead in a year. Or you go and pay the full $602 and skip your Christmas shopping this year or miss a month's rent.

Or you could buy insurance on your own and pay between $500 and $1,000 per month. Anybody here got $12,000 a year to kick in for insurance?

Now say you DO have insurance on your own. They can walk all over you and give you a hard time every time you file a claim. Because if you are not in a group plan, you have no leverage. If my insurance co. treats us like garbage, we cancel our plan and go elsewhere and they lose our business - all 7,000 of us. But -- if I was on my own, they couldn't care less. It's by by, Charlie and good luck.

Do you think my company likes paying our premiums every month? Heck no! My union got our insurance written into our contract. The company would love to dump it. When you buy a car in America, $1,500 of the cost of that car goes to pay the worker's health insurance.

Apparently, Republicans think this is a great idea. Because they resist all efforts at changing the system. They would rather see private firms swallow the burden of health care than have the government do it and free up business to be more competitive with foreign companies who have government health plans. Imagine that! Republicans want your employer to pick up the tab. Will wonders never cease!

Kittypower
20-09-09, 02:41
A great example as to why obamas health care proposal isnt such a bad idea.

LaraLuvrrr
20-09-09, 04:05
I hate insurance companies... they try to bail out whenever possible.

Shauni
20-09-09, 04:09
Wow is your insurance really $500 - $1000 a month?? My insurance comes with my Husband's job, so we don't pay anything. But before that it was just $150 a month. O_O

MattTR
20-09-09, 04:13
My Insurance is $75 bucks a month, the plan will not effect me so I'm undecided. :p

Angel666
20-09-09, 04:33
I didn't have insurance for a number of years and now that I do, through my dad's employer b/c I'm still a student, I had to wait a year before they would cover me b/c of my preexisting condition. Now, the year has passed, I finally get to go and get my bloodwork done assuming I was covered, but no. I get a letter in the mail a month later saying I owe 200 something dollars for my doctor's visit because they won't cover it. :mad:

miss.haggard
20-09-09, 04:36
Or we can just let the government take over and pick up the tax for everyone else in the US, maybe even some non-US citizens under government help.

No thanks, I will stick with my employers insurance.

SamReeves
20-09-09, 05:08
IIRC, Republicans have drafted several bills to allow competition nationwide among health insurers. The socialists, otherwise known as Democrats have shot it down numerous times. As it is now you can only buy insurance in the state you live in. A government plan isn't going to make it any better alongside in-state competition.

Uzi master
20-09-09, 05:23
I love Canada, but I hate the premier of B.C. hes such a liar... enough money for schools my foot but anway. ya that much money for healthcare, what a ropoff.

wantafanta
20-09-09, 06:11
No thanks, I will stick with my employers insurance.

Ha! Until you lose your job. Do you think your employer can afford to cover you forever when health cost rise year after year like they have been doing? 1000s of companies have dropped their health plans. I can't stand my job, but I stay there for the health insurance. I'd be much more productive in another job that I liked.

Kittypower
20-09-09, 06:16
IIRC, Republicans have drafted several bills to allow competition nationwide among health insurers. The socialists, otherwise known as Democrats have shot it down numerous times. As it is now you can only buy insurance in the state you live in. A government plan isn't going to make it any better alongside in-state competition.

I stopped reading after that.

wantafanta
20-09-09, 06:20
IIRC, Republicans have drafted several bills to allow competition nationwide among health insurers. The socialists, otherwise known as Democrats have shot it down numerous times. As it is now you can only buy insurance in the state you live in. A government plan isn't going to make it any better alongside in-state competition.

LOL! What did Republicans do for health care during Bush's 8 years? Zipppo! Nada. Shows you where their heads are at, don't it. Exactly the opposite. They expressly prohibited Medicare from negotiating lower drugs costs from the pharmaceutical companies. It would have saved you, the taxpayer, billions. But they wanted the drug companies to clean house at your expense. It is now illegal for Medicare to ask the drug companies for discounts!

You know, for a veteran like yourself who got his health covered by the government, you should be the last person to call Democrats socialists. I just told you how health care is dragging American business down. If you believe in private enterprise, then why not let the government take care of your health care, and the automakers, computer makers etc. go about the business of building autos and computers?

miss.haggard
20-09-09, 06:23
LOL! What did Republicans do for health care during Bush's 8 years? Zipppo! Nada.

I think we had a few others worries on our hands during those 8 years. Remember 9/11? And that silly little war that is still going on? Shouldnt we be trying to get our brave men and women back into our safe arms instead of heading to the doctor for every wart that pops up?

I would gladly give up my health care to bring our soldiers home.

Cochrane
20-09-09, 06:34
I think we had a few others worries on our hands during those 8 years. Remember 9/11? And that silly little war that is still going on? Shouldnt we be trying to get our brave men and women back into our safe arms instead of heading to the doctor for every wart that pops up?

I would gladly give up my health care to bring our soldiers home.

Great to hear, but entirely besides the point. 9/11 and the war aren't and never were all that the american legislators concerned themselves with. They could have certainly found the time to do at least basic improvements.

(Whether they did or not is something I'm not aware of, though. I'm just saying that the war shouldn't have stopped them)

miss.haggard
20-09-09, 06:38
I know its not the main reason, but I can imagine health care wasnt the first thing on their minds.

Anways, I think Im done in this thread before it becomes something I cant keep up with.

calico25
20-09-09, 08:01
Health care here in the US is screwed up, but universal health care is not the answer. We should focus on fixing the current situation instead of creating one alot worse. Being a citizen of both the US and the UK, I can honestly say both are flawed.

I lived without insurance for 3 years and had to pay a few costly medical bills (both over $1,500) for minor injuries treated in an emergency room.

I now work for a well known media network group and have amazing insurance coverage for less than $50 a month...it covers EVERYTHING and i could not be happier with it.

Nannonxyay
20-09-09, 08:38
And this is why I'm happy that healthcare in the UK is free...even if it does have it's flaws sometimes.

Mad Tony
20-09-09, 09:59
I stopped reading after that.Shame, because it made a lot of sense.

LOL! What did Republicans do for health care during Bush's 8 years? Zipppo!But during Bush's 8 years the Republicans didn't always have the majority in Congress.

And this is why I'm happy that healthcare in the UK is free...even if it does have it's flaws sometimes.It's not free though. I think if anything our healthcare system is an example of how universal healthcare is not the answer to America's healthcare problems.

Nenya awakens
20-09-09, 10:07
And this is why I'm happy that healthcare in the UK is free...even if it does have it's flaws sometimes.

It's not free, you have to pay National Insurance.

tampi
20-09-09, 10:41
You can see the other point of the scale.
I live in a country (Spain) with health care for all citizens. I pay taxes every month to cover the public health.
Also I pay a private healthcare to get special attention and better treatment.
For many years I pay public health and never use it.

The state always wins.

Pay "few" and don't use it or pay "a lot" when you use it?

xXhayleyroxXx
20-09-09, 11:08
It's not free, you have to pay National Insurance.

well it kinda is, its certaintly cheaper and easier than the us system

i feel so sorry for the op :o

Mad Tony
20-09-09, 11:27
well it kinda is, its certaintly cheaper and easier than the us system

i feel so sorry for the op :oNo, it's not. :confused: Probably cheaper yeah but you still have to pay for it.

scion05
20-09-09, 11:28
Well yeah, but it just comes out of our taxes doesn't it ?

Mad Tony
20-09-09, 11:30
Well yeah, but it just comes out of our taxes doesn't it ?Yep. Unfortunately though people who don't use the NHS very much (or don't use it at all) still end up paying for other people.

xXhayleyroxXx
20-09-09, 11:30
No, it's not. :confused: Probably cheaper yeah but you still have to pay for it.

not directly though which is the good thing

scion05
20-09-09, 11:55
Yep. Unfortunately though people who don't use the NHS very much (or don't use it at all) still end up paying for other people.

I suppose that's a shame, but I won't be complaining in five years when I'm working for them :ton:

Mad Tony
20-09-09, 12:06
I suppose that's a shame, but I won't be complaining in five years when I'm working for them :ton:Why don't you work for a private company? The pay is better. :p

Cochrane
20-09-09, 13:03
But during Bush's 8 years the Republicans didn't always have the majority in Congress.

But they sometimes didů

Mad Tony
20-09-09, 13:11
But they sometimes did…Yeah, so? I was just pointing out to wantafanta that the Republicans didn't have a majority in congress for the entire 8 years Bush was in office.

Cochrane
20-09-09, 13:30
Yeah, so? I was just pointing out to wantafanta that the Republicans didn't have a majority in congress for the entire 8 years Bush was in office.

Yeah, and I was pointing out that it's not obvious how this would have prevented them from implementing the changes wantafana mentioned.

jackles
20-09-09, 14:02
Yep. Unfortunately though people who don't use the NHS very much (or don't use it at all) still end up paying for other people.


I find it hard to believe that there is anyone unless a member of the aristocracy who will not use the nhs at some point throughout their lives. Even private doctors use nhs facilities and visa versa. Doctors train in nhs hospitals. Sometimes even the same doctors work within both fields. Even those who start off with private care may not be able to afford it later in their lives. That is why it is called national insurance. I pay house insurance. Do I complain if I never use it? Insure my car? Feel aggrieved if I don't have a crash? Sometimes we pay insurances that we never use but the idea is there in that we are protected if do need them. Do I feel offended that some old lady may get her hip replaced out of the money that I pay in? No I don't because I know that same help will be there for me when I need it.

Anyhoooooooo ......

_Lam
20-09-09, 14:05
Here in Quebec we have the healt insurrance card and I must say it's the best thing that could have happen, it cost nothing !
The problem is that right now they need more doctor so the waiting can be long...

Mad Tony
20-09-09, 14:32
I find it hard to believe that there is anyone unless a member of the aristocracy who will not use the nhs at some point throughout their lives. Even private doctors use nhs facilities and visa versa. Doctors train in nhs hospitals. Sometimes even the same doctors work within both fields. Even those who start off with private care may not be able to afford it later in their lives. That is why it is called national insurance. I pay house insurance. Do I complain if I never use it? Insure my car? Feel aggrieved if I don't have a crash? Sometimes we pay insurances that we never use but the idea is there in that we are protected if do need them. Do I feel offended that some old lady may get her hip replaced out of the money that I pay in? No I don't because I know that same help will be there for me when I need it.

Anyhoooooooo ......You're right, I doubt there are many people that don't use the NHS at all in their life. However, I can bet there are a lot of people who don't use it very often therefore they're paying more into it than they're using, and vice versa.

jackles
20-09-09, 14:34
But that was the point I was making about national insurance. yes we could gamble with the fact that we may never need it....but there are no guarantees in life.

Ward Dragon
20-09-09, 14:37
Yeah, and I was pointing out that it's not obvious how this would have prevented them from implementing the changes wantafana mentioned.

Republicans did try to reform the healthcare system during Bush's presidency but couldn't get the legislation passed.

http://healthcare.ncpa.org/commentaries/interstate-competition-in-the-individual-health-insurance-marketplace

Mad Tony
20-09-09, 14:37
But that was the point I was making about national insurance. yes we could gamble with the fact that we may never need it....but there are no guarantees in life.True, but I don't like the idea of healthcare being government-run. Surely there is a middle ground where healthcare isn't exclusively run by the government but at the same time it's affordable?

Ward Dragon
20-09-09, 14:46
True, but I don't like the idea of healthcare being government-run. Surely there is a middle ground where healthcare isn't exclusively run by the government but at the same time it's affordable?

I think it would help a lot to allow inter-state competition and get rid of a lot of the government regulations about what has to be covered by health insurance. If people can choose which health insurance to buy depending upon their needs, then it will be cheaper for them because they're not buying something they don't want, and it will be better for the insurance companies because they can tailor the insurance to the customer's needs instead of being forced to cover something that nobody wants.

As it is right now, in many states there is only one major insurance company that people can buy insurance from (or a few companies, but either way not much choice). On top of that, the state requires the insurance companies to cover a whole list of things for everybody, whether people want it or not, which drives up prices even more. The insurance company has to pay increased costs from the government regulations and essentially they have a monopoly, so they can get away with charging a lot more to customers who need insurance.

jackles
20-09-09, 14:51
True, but I don't like the idea of healthcare being government-run. Surely there is a middle ground where healthcare isn't exclusively run by the government but at the same time it's affordable?

Which is possibly America's dilemma at the moment. Over here if you removed state intervention the whole structure would collapse. The system is kept alive by our money that keeps it running, and like I said is where nurses and doctors are trained......or pioneering procedures are conceived. The very size of the nhs allows specialisation and a blanket cover of health, think of immunisation for instance or ante natal classes. Yes people may resent the state interventions but surely the general good out weighs the bad. (yes I am a positive person! :D)