Premiums Unveiled For Health Overhaul Plans

[Orruar]

Originally Posted by Pringles [You must be logged in to view images. Log in or Register.]

I like the idea of self-insuring, but I hate the idea of a 1 million dollar++++ hospital visit

Self-insuring still means having insurance, right? That's what insurance is for, to handle crazy expensive hospital visits.

[Orruar]

Originally Posted by Orruar [You must be logged in to view images. Log in or Register.]

Self-insuring still means having insurance, right? That's what insurance is for, to handle crazy expensive hospital visits.

Correction, insurance "should be" for handing crazy expensive events. Apparently in our society, insurance is for handling that $50 for a routine tetanus shot.

[Pringles]

Originally Posted by Orruar [You must be logged in to view images. Log in or Register.]

Self-insuring still means having insurance, right? That's what insurance is for, to handle crazy expensive hospital visits.

Self insuring means = you pay 100% out of pocket for any and all medical related expenses, otherwise keeping your money instead of paying premiums.

[Orruar]

Originally Posted by Pringles [You must be logged in to view images. Log in or Register.]

Self insuring means = you pay 100% out of pocket for any and all medical related expenses, otherwise keeping your money instead of paying premiums.

Ah yeah, I'm with ya. Is why I'd rather just have a plan that covers for anything over about $5k, which likely won't happen in the next 30 years of my life.

[runlvlzero]

And how exactly are we racist if we don't believe in being forced to pay for subsidizing the U.S. medical industry? This won't help poor families of black children with 6 people. They will just end up paying a tax penalty on everyone in their family and still have to go to the ER uninsured AFAIK.

[Lojik]

Originally Posted by runlvlzero [You must be logged in to view images. Log in or Register.]

And how exactly are we racist if we don't believe in being forced to pay for subsidizing the U.S. medical industry? This won't help poor families of black children with 6 people. They will just end up paying a tax penalty on everyone in their family and still have to go to the ER uninsured AFAIK.

ACA has a lot of new legislation including an expansion of Medicaid in addition to the individual mandate, penalties for being uninsured, pay or play, and these new exchanges. Also the penalty is capped at 3x the flat rate per family, but if they make below a certain threshold they are exempt.

[runlvlzero]

Originally Posted by Lojik [You must be logged in to view images. Log in or Register.]

ACA has a lot of new legislation including an expansion of Medicaid in addition to the individual mandate, penalties for being uninsured, pay or play, and these new exchanges. Also the penalty is capped at 3x the flat rate per family, but if they make below a certain threshold they are exempt.

Thanks for the clarification. If they had good legislation they shouldn't have put it in an unpopular and controversial bill if they wanted it passed easily. Its not a good way to do politics if you care about your people.

That being said. I can see how this could maybe be potentially helpful to middle class or lower middle class people.

In fact I'm all for taking money out of the NSA's pockets and giving it to Not for Profit hospitals to take care of the underprivileged. =)

How much might 10 billion out of 53.4 billion do? I wager quite a bit without further burdening the lower classes.

It would also allow for many more jobs for doctors and nurses. Perhaps we could you know give out a few tuitions for people who want to work in those places?

I dunno =)

I don't think disliking the current legislation is racist.

[Millburn]

I don't know about you guys but I'm fucking STOKED for this shit.

I've had type 1 diabetes for 24 years now and the shit it's done to my savings account is ridiculous. I have to maintain health insurance even if it doesn't do anything for me so that I can keep a certificate of credible insurability which would guarantee that going forward I wouldn't be denied coverage due to my pre-existing condition. Most (read: 99%) of plans don't cover anything that I need and the ones that do are split between both prescription insurance and health insurance due to diabetic supplies being a medical supply and insulin being a medication. So that's two things that sap my income without providing any benefit.

All in all my monthly expenses are about $300 for insulin, $100 for strips, $75 for syringes and pen needles. That's almost $500 a month and that's the BARE necessity of what I need. That is essentially a second apartment lease and that's just to survive.

The affordable care act is pretty much a dream come true if I understand it correctly.

[Tiddlywinks]

Originally Posted by Millburn [You must be logged in to view images. Log in or Register.]

I don't know about you guys but I'm fucking STOKED for this shit.

I've had type 1 diabetes for 24 years now and the shit it's done to my savings account is ridiculous. I have to maintain health insurance even if it doesn't do anything for me so that I can keep a certificate of credible insurability which would guarantee that going forward I wouldn't be denied coverage due to my pre-existing condition. Most (read: 99%) of plans don't cover anything that I need and the ones that do are split between both prescription insurance and health insurance due to diabetic supplies being a medical supply and insulin being a medication. So that's two things that sap my income without providing any benefit.

All in all my monthly expenses are about $300 for insulin, $100 for strips, $75 for syringes and pen needles. That's almost $500 a month and that's the BARE necessity of what I need. That is essentially a second apartment lease and that's just to survive.

The affordable care act is pretty much a dream come true if I understand it correctly.

Awesome man. I'm wicked happy for people like you, and what this changes for those with pre-existing conditions. It's really barbaric the way you people have been treated for so long by health care providers and insurers.

[MrSparkle001]

Originally Posted by Millburn [You must be logged in to view images. Log in or Register.]

I don't know about you guys but I'm fucking STOKED for this shit.

I've had type 1 diabetes for 24 years now and the shit it's done to my savings account is ridiculous. I have to maintain health insurance even if it doesn't do anything for me so that I can keep a certificate of credible insurability which would guarantee that going forward I wouldn't be denied coverage due to my pre-existing condition. Most (read: 99%) of plans don't cover anything that I need and the ones that do are split between both prescription insurance and health insurance due to diabetic supplies being a medical supply and insulin being a medication. So that's two things that sap my income without providing any benefit.

All in all my monthly expenses are about $300 for insulin, $100 for strips, $75 for syringes and pen needles. That's almost $500 a month and that's the BARE necessity of what I need. That is essentially a second apartment lease and that's just to survive.

The affordable care act is pretty much a dream come true if I understand it correctly.

As happy as I am for you, I'm pissed that other people will now be paying for you. That's what the individual mandate is for. They may spin it to sound otherwise, but that's what it is. The insurance companies want to keep their profits, and in order to pay for preexisting conditions and maintain a profit they need young, healthy people to pay. Young, healthy people are forced to buy lousy insurance with ridiculously high deductibles in order to pay for people who cost the insurance companies too much. Your costs are forced on others. Great system huh.

Without the individual mandate this whole law would fail.

I'm also pissed that big corporations and even Congress got themselves exemptions because it's too expensive for them, yet the average working guy who will see his monthly expenditures increase significantly can't get an exemption. You know it's bad when there's members of Congress fighting to get Congress not to exempt itself.