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Health Insurance Increases

Discussion in 'Electronic Design' started by amdx, Sep 9, 2012.

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  1. amdx

    amdx Guest

    My Family of 4 health insurance increases for the last 3 years.

    Mar 2010 7.7% increase.
    Mar 2011 8.1% increase.
    Mar 2012 19.4% increase.

    I have BCBS of Florida.

    Anyone else care to post comparisons for me to look at?

    Thanks, Mikek
  2. amdx

    amdx Guest

    I'm thinking that is his fix. :-(
  3. amdx

    amdx Guest

    Do you think doctors and executives should be middle class, lower
    middle class or poor?
    No, if they can afford it, they pay for it.
    If they can't afford it, then those that can afford it pay again.

    So, do you think those than can afford it will pay more to cover
    everyone, or, do you think everyone's health care quality will be lower?
  4. rickman

    rickman Guest

    I don't assign class structure to jobs. I believe that the cost of
    medical care should be managed and the profit can be found where it may.

    I am tired to doctors holding the US hostage. A few years ago Maryland
    doctors threatened to leave the state if they didn't pass a bill
    limiting malpractice damages to $250,000. Consider that for a moment.
    Regardless of how badly a doctor botches a job, he will never be liable
    for damages of more than $250,000, even if your life is destroyed and
    the resulting medical care will cost millions. The threat worked and
    the state passed the bill.

    No, if you can't afford health care, you don't get health care. Anyone
    who tells you it is freely available to everyone who has no money is
    full of bullshark.

    I think the health care mandate will assure that everyone has the
    opportunity to access health care. This will result in the aggregate
    costs going up (which by the way is the reason why hospitals and other
    care givers agreed to lower compensation from Medicare as part of this
    bill). Of course, if we want to cover everyone with health care it will
    cost more. But the cost will go up more than this amount as the medical
    industry is greedy and will try to extract more profit. The end result
    is that it will become unwieldy and the true nature of the cost
    increases will finally be visible.

    That is what started this thread conversation, the rise in insurance
    rates that began long before the Affordable Health Care Act was even on
    the table.

  5. amdx

    amdx Guest

    And we have another government program that will be underfunded, we
    will need to borrow more money from China. We will soon be borrowing
    50 cents of every $1.00 that the government collects in taxes.
    What? nobody wants to loan us money because our credits no good.
    How can it be?
  6. hamilton

    hamilton Guest

    And Romney will fix it so that you can't buy anyway.

    So it will be 0% increase a year from now on.

  7. amdx

    amdx Guest

    How will he do that?
  8. rickman

    rickman Guest

    What government program? Insurance and health care are private. The
    government's role is to initially fund the mandated insurance plan to
    get it off the ground. After that it is on it's own and the rates will
    reflect the cost of the underlying health care.

    The main role of government in this is to mandate that everyone has to
    have insurance. That stops them from getting free emergency services
    paid for by the rest of us.

    What's the real problem here?

  9. rickman

    rickman Guest

    More Bullshark. When I worked in the industrial parts industry we had
    four price columns depending on how good a customer they were. The
    insurance companies get the best price the health care industry will
    give because they are large volume users.

    The question is, why should I pay a GP $120 for an office visit when
    they happily accept $55 from patients with insurance?

    Too bad we can't look like Great Britain where every one can get free
    health care, including visitors. That's why they ask you about your
    health before they let you into the country.

  10. tm

    tm Guest

    Where is this "free" health care? Someone must pay for it. Therefor, it is
    not free.

    I guarantee you that when the government gets involved, it will be much more
    expensive. Hell, they are adding 6000 new IRS agents just to start. Who will
    pay for them?
  11. rickman

    rickman Guest

    The only ones talking about it being "free" are the detractors. The
    insurance is paid for, the insurance pays for the health care.

    I find it funny that while everyone is all up in arms over the
    government doing something to deal with the lack of health care in the
    US, the real problem is the rising cost of health care. But no one even
    seems to notice the rising water pooling at their feet. Once it reaches
    their ankles maybe they will notice.

    If the government stays out of health care, in ten years it will be so
    expensive that employers will no longer be able to pay the lion's share
    of the costs. Years ago they started requiring employees to pay some of
    the insurance premium and started raising the deductibles. A friend who
    is a teacher was very upset a couple of years ago when she realized her
    insurance had a $250 deductible. Imagine how she would feel if it were
    $2500 like mine has been for some years now.

    What will you do when your health care insurance is paid completely out
    of your pocket? Maybe you'll just pay for health care out of your
    pocket with no insurance? Yeah, right!

  12. tm

    tm Guest

    I have never had a problem with getting health care. I have always had
    suitable and affordable insurance.
    Sure, there are things I would like to see changed. One would be as JT
    stated, open up the market nation wide.

    Put controls on the lawyers, i.e. loser pays. How about co-ops for insurance
    with some tax advantages to encourage it. As to your complaints, would it
    not be nice if you could do like on your auto policy - choose how much
    deductible and therefor savings you wish?

    Don't you get pissed at all the 1-800-BAD-DRUG commercials you see where the
    ambo chasers are running wild playing the jury lottery?

    I'm an old fart and really don't care how bad it gets for you in the future.
    After all, you made that bed.
  13. Nico Coesel

    Nico Coesel Guest

    Buzzzz. Wrong answer. Insurance companies like to say that but in
    reality they want to prices to be high. Margin is the keyword here.
    The bigger the turnover the bigger their profit. Insurance companies
    don't care about the price. Their customers will pay anyway.
  14. The opposite of reality. Doctors charge less when the patient doesn't have

    Naturally if the gov pays for anything then it's free. That's why we should
    buy 20 more aircraft carriers. They're free after all.
  15. Of course. He promised you'd be able to keep your private insurance if you
    wanted to, so predictably he's driving the price up.
  16. amdx

    amdx Guest

    Hmm... My deductible is $10,000, been that for about three years.
    When I made the change from $2,500 to $10,000 deductible, my premium
    dropped from $9,900 to $4,300. It's now up to $6,276.00.
  17. amdx

    amdx Guest

    FREE; adjective.
    An item or service received by one, that is paid for by the blood,
    sweat and tears, of the 50% of hardworking Americans that pay taxes.

    I suggest that when ever the word "free" is used describing any
    government benefit, it be changed to the above description.

    Talk to your congressman.
  18. amdx

    amdx Guest

    FREE; adjective.
    An item or service received by one, that is paid for by the blood,
    sweat and tears, of the 50% of hardworking Americans that are taxpayers.

  19. Guest

    Reality is a little different. Wh6at doctors charge isn't what doctors
    collect. They collect *less* from insurance.
    Think of the jobs 20 aircraft carriers would create!
  20. Charlie E.

    Charlie E. Guest

    Government funding the mandated insurance plans? What planet are YOU

    All the government will do is the mandate, oh, and fund a huge
    beauracracy to implement and oversee that mandate. The COST of that
    mandate will come out of those unlucky enough to have to actually PAY
    for their healthcare. I know mine went up last time because I now
    have coverage for pregnancy and menopause, which, if I should use it,
    would be big news!

    As for AFFORDABLE, the law just says that the insurance companies have
    to offer the insurance, not how much they have to charge for it! I am
    waiting to see how much the coverage for folks with existing
    conditions is actually going to cost them!
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