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The following page was printed from RemoteCentral.com:
| Topic: | Premature thread closing? This thread has 151 replies. Displaying posts 121 through 135. |
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| Post 121 made on Sunday August 23, 2015 at 20:34 |
simoneales Select Member |
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On August 23, 2015 at 19:35, Fins said...
No, they can't deny tests. Now, where it can start to get confusing and a bit murky, is I don't think private practices are held under the same requirements. So, the hospital and ER must provide treatment, but I don't think a private specialist has to take you. So, the hospital might kill you, while a private oncologist might have saved you.
You just reminded me of something though. When my son was 3 weeks old and started having seizures, our local hospital and his local pediatrician (the hospital gives the ped's office hospital prvilages instead of hiring their own pediatricians) sent him to the children's hospital at Wake Forrest University (that was probably a $10,000 ambulance ride for an hour and a half trip). He was admitted on a Wednesday morning. By Friday they still had not figured anything out (doctors there never saw any episodes), and scheduled several tests. But the labs are shut down from 5:00pm on Friday until 6:00 am on Monday except for life threatening issues. His was not ruled life threatening. So the hospital got to bill the insurance company for room and board and any prescribed medication for two extra days, no questions asked. It sounds like your son has been treated in a reasonable manner by the health care system. I assume you have insurance that covers him. If you were working in a job that doesn't pay a liveable wage and you couldn't afford to have health insurance, how would your sons situation be different and how would yours be different? Nobody has told me what health insurance actually costs yet either.
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I guarantee I'll tell you the truth and I guarantee I'll tell you what you need to know but I can't guarantee that I'll be telling you anything you want to hear. |
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| Post 122 made on Sunday August 23, 2015 at 20:46 |
Fins Elite Member |
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On August 23, 2015 at 20:34, simoneales said...
It sounds like your son has been treated in a reasonable manner by the health care system. I assume you have insurance that covers him.
If you were working in a job that doesn't pay a liveable wage and you couldn't afford to have health insurance, how would your sons situation be different and how would yours be different?
Nobody has told me what health insurance actually costs yet either. The reason no one has answered what health insurance costs a year is because it's not that easy to answer. And Obamacare just made it more complicated to answer because now your income comes into account too. We do have the federal programs Medicaid and Medicare to provide coverage for minors and the elderly/disabled. there are some allowances for others to qualify too, like pregnant or nursing mothers, I think, but I don't know all the details. One major flaw all of our systems do have is so much red tape and complications, no one truly understands the systems.
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Civil War reenactment is LARPing for people with no imagination.
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| Post 123 made on Sunday August 23, 2015 at 20:52 |
Mac Burks (39) Elite Member |
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On August 23, 2015 at 20:34, simoneales said...
Nobody has told me what health insurance actually costs yet either. It doesn't really matter because none of us pay the same and coverage is still allover the place. ACA was a huge step forward but we are still a millions miles away from everyone paying the same for the same coverage. This is what it costs me per month. $336.84 Single unmarried no children. Blue Cross Blue Shield PPO.
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Avid Stamp Collector - I really love 39 Cent Stamps |
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| Post 124 made on Sunday August 23, 2015 at 21:03 |
Fins Elite Member |
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We pay more for medications that pretty much every other nation has to pay for the same medicines. We cover the R&D expenses for the world.
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Civil War reenactment is LARPing for people with no imagination.
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| Post 125 made on Sunday August 23, 2015 at 21:19 |
bricor Advanced Member |
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When I got quotes last year for our family of 4, it ranged from $900-$1200 a month with a $6000 deductible. (don't qualify for any subsidies)
Didn't get insurance and our health care costs were less than $2000 paying cash for everything. Nothing major but had things like stitches, broken foot, check ups and prescription meds for my wife.
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| Post 126 made on Sunday August 23, 2015 at 21:21 |
Bonavox Select Member |
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On August 23, 2015 at 20:52, Mac Burks (39) said...
It doesn't really matter because none of us pay the same and coverage is still allover the place. ACA was a huge step forward but we are still a millions miles away from everyone paying the same for the same coverage. This is what it costs me per month. $336.84 Single unmarried no children. Blue Cross Blue Shield PPO. I'm one year older than you Mac, my rate jumped up last year at 40 to a few dollars less than what your paying. I asked my friend's wife who works for Blue Cross to look over my options. I asked her if this new rate increase would jump every year. She thought that the rate should stay the same since I moved into a new bracket (40-45). In March, there was an article in the local paper, the insurance companies are claiming they are losing money because of AHA, and that they would be raising premiums anywhere from 30-60%. Guess what I just got in the mail Friday, you guessed it, a rate increase. I hadn't had an increase the two years before I turned 40. So either they just don't like people getting older, hate self employed people who work for their own living and are trying to force people into working for the man, or their just a bunch of greedy bastards!! I'll go for all three! From my perspective as someone who pays for his own insurance, Obamacare has hurt me more than helped, it will eventually price me out of being able to afford it. The insurance companies will nail us to subsidize Obamacare
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Bill's Electric & Home Theater & Plumbing & Automation & Small Engine Repair, and Animal Removal Services......did I mention we do remotes also? |
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| Post 127 made on Sunday August 23, 2015 at 21:42 |
Fins Elite Member |
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On August 23, 2015 at 21:19, bricor said...
When I got quotes last year for our family of 4, it ranged from $900-$1200 a month with a $6000 deductible. (don't qualify for any subsidies)
Didn't get insurance and our health care costs were less than $2000 paying cash for everything. Nothing major but had things like stitches, broken foot, check ups and prescription meds for my wife. Most doctors and hospitals have a cash rate if you tell them up front you don't have insurance or will be paying cash. They bill the insurance companies usually double to triple what their cash rate is because they know the insurance companies will try to avoid paying or will negotiate down. I once saw something that said many insurance companies will not pay an invoice until a doctor or hospital submits the bill 3 times, because they know that a percentage of bills will just get lost in the paper work. Unfortunately, the AHA did nothing to correct these issues.
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Civil War reenactment is LARPing for people with no imagination.
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| Post 128 made on Sunday August 23, 2015 at 22:58 |
simoneales Select Member |
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On August 23, 2015 at 20:52, Mac Burks (39) said...
It doesn't really matter because none of us pay the same and coverage is still allover the place. ACA was a huge step forward but we are still a millions miles away from everyone paying the same for the same coverage. This is what it costs me per month. $336.84 Single unmarried no children. Blue Cross Blue Shield PPO. That's actually not too dissimilar to what i pay if you include both the medicare tax and the private insurance. I don't know what blue cross blue shield PPO means but i assume that like me it would be full hospital coverage (including any tests, scans, x-rays etc) with an assortment of limited extras like dental and such.
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I guarantee I'll tell you the truth and I guarantee I'll tell you what you need to know but I can't guarantee that I'll be telling you anything you want to hear. |
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| Post 129 made on Sunday August 23, 2015 at 23:02 |
simoneales Select Member |
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On August 23, 2015 at 21:03, Fins said...
We pay more for medications that pretty much every other nation has to pay for the same medicines. We cover the R&D expenses for the world. Do yours get subsidized? Provided it is an approved drug, our government subsidizes our prescriptions so they range from about $10 for statins for cholesterol up to about $40 as an average for most drugs.
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I guarantee I'll tell you the truth and I guarantee I'll tell you what you need to know but I can't guarantee that I'll be telling you anything you want to hear. |
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| Post 130 made on Sunday August 23, 2015 at 23:22 |
simoneales Select Member |
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On August 23, 2015 at 21:21, Bonavox said...
I asked my friend's wife who works for Blue Cross to look over my options. I asked her if this new rate increase would jump every year. She thought that the rate should stay the same since I moved into a new bracket (40-45). Over here, provided you adopt private insurance before 30 you pay the rate of a 30 year old for life. If like me, you come in later you have to pay 2% extra per year over 30 you are as a loading. This loading disappears after 10 years and i will be assumed to be 30 from then on. Guess what I just got in the mail Friday, you guessed it, a rate increase. I hadn't had an increase the two years before I turned 40.
From my perspective as someone who pays for his own insurance, Obamacare has hurt me more than helped, it will eventually price me out of being able to afford it. The insurance companies will nail us to subsidize Obamacare A key difference in our system is the Medicare is government run and provides coverage for everyone meaning most people don't need private cover to get treatment. The private cover is really more of a top up on top of Medicare in case you want surgery in private hospitals with your own surgeon on your own time frame. Only this segment is "for Profit" whereas it looks like everything is done by "for profit" companies over there. My understanding is that Obama actually wanted to introduce the same system as ours (which works well) but couldn't get it through, so it got watered down and watered down again until the version you have was allowed to pass. If this is true, you guys should be really pissed at those that blocked the original version and forced it to become what it is now, much more so than Obama himself.
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I guarantee I'll tell you the truth and I guarantee I'll tell you what you need to know but I can't guarantee that I'll be telling you anything you want to hear. |
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| Post 131 made on Sunday August 23, 2015 at 23:34 |
Fins Elite Member |
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On August 23, 2015 at 23:02, simoneales said...
Do yours get subsidized? Provided it is an approved drug, our government subsidizes our prescriptions so they range from about $10 for statins for cholesterol up to about $40 as an average for most drugs. It depends on the plan you buy into. With the plan that we have, we do get prescription subsidizes. Or as American insurance plans refer to it, we have co-pays. Co-pays refer to the amount we pay out of pocket. My co-pay for prescriptions runs from $1 for generic drugs up to..., well, I don't know. I do know that I've had allergy and sinus related prescriptions that cost $10 out of pocket. But last winter I went to the doctor and was diagnosed with the flu. He wrote me a prescription for tamaflu. My out of pocket cost was $100. Btw, my co-pay to see the doctor was $10.
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Civil War reenactment is LARPing for people with no imagination.
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| Post 132 made on Monday August 24, 2015 at 00:35 |
simoneales Select Member |
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On August 23, 2015 at 23:34, Fins said...
It depends on the plan you buy into. With the plan that we have, we do get prescription subsidizes. Or as American insurance plans refer to it, we have co-pays. Co-pays refer to the amount we pay out of pocket. My co-pay for prescriptions runs from $1 for generic drugs up to..., well, I don't know. I do know that I've had allergy and sinus related prescriptions that cost $10 out of pocket. But last winter I went to the doctor and was diagnosed with the flu. He wrote me a prescription for tamaflu. My out of pocket cost was $100.
Btw, my co-pay to see the doctor was $10. Yeah the co-payments would be the same as what we pay over the counter for subsidized drugs. Some doctors require co-payments as well, but most just bill medicare for the standard allocated fee for a visit.
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I guarantee I'll tell you the truth and I guarantee I'll tell you what you need to know but I can't guarantee that I'll be telling you anything you want to hear. |
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| Post 133 made on Monday August 24, 2015 at 03:00 |
Mario Loyal Member |
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5,680 |
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My group plan has an estimated, open market value of ~$17,000 a year for me, wife and 1 child.
We end up paying about $7,000 a year and have $20 copay for most visits.
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| Post 134 made on Monday August 24, 2015 at 03:05 |
Mario Loyal Member |
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I hate how much insurance changes the billed price. If my car broke down, the repair would be almost of not exactly the same if I paid for it or if I had extended warranty. Not so with medical insurance. Wife had back surgery last year. One of the bill came in for ~$43,000, yet insurance adjusted/allowed /agreed and paid rate was $16,000. How the hell do you go from 43 thousand down to 16 grand?!? I bet you that if I didn't have insurance and called the medical billing office, they would insist on full payment.
Last edited by Mario on August 25, 2015 00:33.
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| Post 135 made on Monday August 24, 2015 at 09:04 |
bricor Advanced Member |
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Posts: | March 2006
902 |
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On August 24, 2015 at 03:05, Mario said...
I bet you that I'd I didn't have insurance and called the medical billing office, they would insist on full payment. If you'd gone in up front paying direct, it would likely have been even less than the $16k.
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