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The PPACA Thread Part VI: Tax Cuts Are More Important Than Your Health Care!

Re: The PPACA Thread Part VI: Tax Cuts Are More Important Than Your Health Care!

The Sicatoka said:
Life is a series of calculated risks.

How many times have you incurred $40k worth of medical expenses in a year?

For that number I'd say you're far better off with a major (catastrophic) medical policy and paying for the "normal" stuff out of pocket.
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Just gambled on that with my 18 year old daughter. The catastrophic plan she was able to get was $140 a month vs. the $500 no matter how many children you have option with my employer.

The catastropic plan has an out of pocket of less than $10,000. So, I could lose $4000 on the deal.
 
Re: The PPACA Thread Part VI: Tax Cuts Are More Important Than Your Health Care!

dxmnkd316 said:
Then why require any kind of insurance? How many times has your house burned down? How many times have you been involved in a serious accident? :rolleyes:
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Why require anything maaaaaaaaan, libertarianism worked so well back in the late 1800's ya see, errrr wait, I mean it's never been tried yet but if it was it would work so well!
 
Re: The PPACA Thread Part VI: Tax Cuts Are More Important Than Your Health Care!

dxmnkd316 said:
Then why require any kind of insurance? How many times has your house burned down? How many times have you been involved in a serious accident? :rolleyes:
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I wouldn't require any kind of insurance, but don't expect any sort of assistance because of your choice either.

House? Never. < knock wood> Happened to friends (lightning) recently. I carry max deductible. It's a necessary evil I choose.

And I've been broadsided by a drunk going the highway speed limit (55) but on a city street (25).
 
Re: The PPACA Thread Part VI: Tax Cuts Are More Important Than Your Health Care!

The whole point of car insurance being required is if someone hits you their insurance ensures that you get compensated. With health insurance it ensures that people don't abuse the ER and make everyone pay for their catastrophic health issues.
 
Re: The PPACA Thread Part VI: Tax Cuts Are More Important Than Your Health Care!

trixR4kids said:
The whole point of car insurance being required is if someone hits you their insurance ensures that you get compensated. With health insurance it ensures that people don't abuse the ER and make everyone pay for their catastrophic health issues.
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Doesn't medical insurance compensate the medical service provider the same way auto insurance compensates the owner of the car hit?

In each case society runs better if the party who may require compensation is assured of it.

That's the logic of requiring medical insurance, to me.

The alternative is letting an uninsured party die on the table for making a bad gamble (or a child for her parents making a bad gamble). I guess that's a way of running a libertarian state, but it's not where I want to live.
 
Re: The PPACA Thread Part VI: Tax Cuts Are More Important Than Your Health Care!

The Sicatoka said:
I wouldn't require any kind of insurance, but don't expect any sort of assistance because of your choice either.

House? Never. < knock wood> Happened to friends (lightning) recently. I carry max deductible. It's a necessary evil I choose.

And I've been broadsided by a drunk going the highway speed limit (55) but on a city street (25).
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And all those people near the Red River?
 
Re: The PPACA Thread Part VI: Tax Cuts Are More Important Than Your Health Care!

ScoobyDoo said:
Just gambled on that with my 18 year old daughter. The catastrophic plan she was able to get was $140 a month vs. the $500 no matter how many children you have option with my employer.

The catastropic plan has an out of pocket of less than $10,000. So, I could lose $4000 on the deal.
Click to expand...

18 y/o: Senior in HS (playing sports) or freshman in college? That answer would impact how I'd roll the dice.
 
Re: The PPACA Thread Part VI: Tax Cuts Are More Important Than Your Health Care!

The Sicatoka said:
18 y/o: Senior in HS (playing sports) or freshman in college? That answer would impact how I'd roll the dice.
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Freshmen in college. No sports anymore. Was a fantastic athlete for a while but her back couldn't withstand the torque it was put under. Had to retire.
 
Re: The PPACA Thread Part VI: Tax Cuts Are More Important Than Your Health Care!

ScoobyDoo said:
Freshmen in college. No sports anymore. Was a fantastic athlete for a while but her back couldn't withstand the torque it was put under. Had to retire.
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In that case I'd go with the catastrophic plan. (A HS athlete? Full coverage for everything.)
 
Re: The PPACA Thread Part VI: Tax Cuts Are More Important Than Your Health Care!

The Sicatoka said:
The house that burned: The property touched the Red ... but on the condemned (Minnesota) side.

Stay grounded Handy. ;)
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I meant the ones that begged the government for assistance because it flooded. Nice try though ;)
 
Re: The PPACA Thread Part VI: Tax Cuts Are More Important Than Your Health Care!

The Sicatoka said:
In that case I'd go with the catastrophic plan. (A HS athlete? Full coverage for everything.)
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I get full coverage through my office for about $3000/yr. Given my expensive injury issues over the past number of years, you jokers have all been paying for me. :D
 
Re: The PPACA Thread Part VI: Tax Cuts Are More Important Than Your Health Care!

St. Clown said:
I get full coverage through my office for about $3000/yr. Given my expensive injury issues over the past number of years, you jokers have all been paying for me. :D
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Don't you work for a megabank? Aren't they self-insured?
 
Re: The PPACA Thread Part VI: Tax Cuts Are More Important Than Your Health Care!

dxmnkd316 said:
Don't you work for a megabank? Aren't they self-insured?
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my company is self insured and I pay around $300/month for my family plan.

Due to a genetic condition, my body produces excess LDL cholesterol. In addition to taking a statin (which reduces the amount of LDL your body produces, which gets me to borderline normal), I take a new specialty drug that is an injection every 14 days (this one causes my body to remove more LDL from the blood). The good news is my cholesterol is around 120 (it would be over 300 without treatment). The bad news is each injection costs around $650, and for this I pay a $0 co-pay. Plus my son broke his femur in January, which cost around $40,000. Sorry co-workers! I might be part of the reason our premiums are going up 5% for 2018 (although they haven't gone up in something like 8 years prior to this)
 
Re: The PPACA Thread Part VI: Tax Cuts Are More Important Than Your Health Care!

BassAle said:
my company is self insured and I pay around $300/month for my family plan.

Due to a genetic condition, my body produces excess LDL cholesterol. In addition to taking a statin (which reduces the amount of LDL your body produces, which gets me to borderline normal), I take a new specialty drug that is an injection every 14 days (this one causes my body to remove more LDL from the blood). The good news is my cholesterol is around 120 (it would be over 300 without treatment). The bad news is each injection costs around $650, and for this I pay a $0 co-pay. Plus my son broke his femur in January, which cost around $40,000. Sorry co-workers! I might be part of the reason our premiums are going up 5% for 2018 (although they haven't gone up in something like 8 years prior to this)
Click to expand...

Wow. Lucky. My family plan contribution is $1100 dollars and the total price is $1800. Employer contribution is 70% employee, and 25% dependents.
 
Re: The PPACA Thread Part VI: Tax Cuts Are More Important Than Your Health Care!

We've found our new idea and way to ration care.

Kentucky will be the first state to require many of its Medicaid recipients to work or face losing their benefits.
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Re: The PPACA Thread Part VI: Tax Cuts Are More Important Than Your Health Care!

Glad you revived this thread. I’m currently studying the us system compared to other nations and today’s reading has some interesting facts.
One of the favorite lines to spew out against universal care is “wait times! They have wait times!!”
The US is now behind a number of European nations on waitbtimes. Just like we are on spending proportions and actual results, life expectancy, etc.
 
Re: The PPACA Thread Part VI: Tax Cuts Are More Important Than Your Health Care!

Deutsche Gopher Fan said:
Glad you revived this thread. I’m currently studying the us system compared to other nations and today’s reading has some interesting facts.
One of the favorite lines to spew out against universal care is “wait times! They have wait times!!”
The US is now behind a number of European nations on waitbtimes. Just like we are on spending proportions and actual results, life expectancy, etc.
Click to expand...

As I approach 50 I'm hearing about long waits for the roto rooter exam. Nothing like having that on the calendar for 6 months.
 
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