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Healthcare in America (Read 269 times)
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Re: Healthcare in America
Reply #15 - 07/14/12 at 11:09:58
 
Thanks a lot you guys, for your sympathies, empathies, and any other "..thies" you've offered.   You give us moral support in a time when it is very easy to slink down into depression.   As much as the financial situation seems dire, I feel especially sorry for my wife because she is not only in pain, but also feels responsible for what has happened (even tho I tell her it could as easily been me).

The hospital has "graciously" given us a short window to decide how we are going to weather this storm.   They already have a list of our assets, home, vehicles, bank account, IRAs, etc.   Since we had no insurance, they required us to divulge that information BEFORE any services were performed.   It makes me wonder what would've happened if we had not given them the info?   I guess you'd have to go back home and die!

I fully understand some of the arguments here about "free", but want to say I never expected free, and honestly don't want free.   In fact, anytime I hear the word "free", I find myself wondering how much "free" will cost this time?  However, $22k per day is not right either!  I would be very happy to purchase REASONABLE health care for my wife (again, I now have Medicare), and fully understand that her policy is not going to cost the same as the policy for a 25 year old.

We retired in 1999 and promptly purchased our own health insurance.   The policy was $2400 annually for myself and my wife and included discounted office visits and pharma.  In 9 short years that policy had risen to $12k annually (500%) and reduced to catastrophic events only (no office/pharma).  Plus, it automatically increased every payment (quarterly) even tho neither of us went to the Dr more than once or twice a year.   We tried looking at several other companies, but most wouldn't even accept us because of our pre-existing condition called age!   The system just seems "fixed" so that, one way or another, your assets will be squeezed out of you in the later stages of your life.

Anyway, enough rants.   We will figure a way to get thru this, even tho it may involve a considerable lifestyle change.   I think I noticed cat food on sale the other day    Wink
Thanks again guys.
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« Last Edit: 07/14/12 at 13:39:09 by 360k+ »  

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Re: Healthcare in America
Reply #16 - 07/14/12 at 11:20:01
 
360k+ wrote on 07/14/12 at 11:09:58:
Anyway, enough rants.   We will figure a way to get thru this, even tho it may involve a considerable lifestyle change.   I think I noticed cat food on sale the other day    Wink
Thanks again guys.


Yum,.. cat food!...
..tastes better if you call it pate'...  Grin...

Keep spirits up,.. my best to you both...  
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Re: Healthcare in America
Reply #17 - 07/14/12 at 11:39:16
 
How?... How is it stupid?.. and how, particularly coming from me?..

This lame attempt at insult, has no teeth...  it only serves to show how how ill equipped you are, to debate with any intelligence...

Enough...


It wasn't an insult. For some reason I expect you to be a bit smarter than some fool like Star but I guess I was wrong.  

I don't recall ever typing those comments before in that manner. Not sure what you mean by cut and paste. I was replying to teachers post that his treatment was free. Of couse it's not free and people shouldn't get the idea in their heads governement healthcare if free.
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Re: Healthcare in America
Reply #18 - 07/14/12 at 17:05:45
 
WebsterMark wrote on 07/14/12 at 11:39:16:
How?... How is it stupid?.. and how, particularly coming from me?..

This lame attempt at insult, has no teeth...  it only serves to show how how ill equipped you are, to debate with any intelligence...

Enough...


It wasn't an insult. For some reason I expect you to be a bit smarter than some fool like Star but I guess I was wrong.  

I don't recall ever typing those comments before in that manner. Not sure what you mean by cut and paste. I was replying to teachers post that his treatment was free. Of couse it's not free and people shouldn't get the idea in their heads governement healthcare if free.

Did you bother to read the entire post? I stated exactly how much it costs.
"Currently in Ontario, people who earn salaries above $20,000 must pay an annual health care premium ranging from $300-$900. Funding for medicare in Ontario also comes in part from a dedicated Employer Health Tax (EHT) that ranges from 0.98%-1.95% of employer payroll. Eligible employers are exempted from EHT on the first $400,000 of payroll."
Mine is about $700.
You can't argue that it is not a good deal.
BTW, one year our medical expenses were high enough (Powered wheelchair, standard wheelchair, stair lift etc) that we paid no Ontario tax and therefor no OHIP premium.
The more "incidental" medical expenses you have the less OHIP costs you.
As I get older the only things I will have to worry about will be the price of cat food, rent, and whether or not I can get my leg over the bike. Wink
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Re: Healthcare in America
Reply #19 - 07/14/12 at 17:20:55
 
People that are self employed have to pay more than someone who works for a big outfits,So the old American dream of working for yourself isn't as good as it was years ago.
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Re: Healthcare in America
Reply #20 - 07/14/12 at 17:55:55
 
Bill- those benefits are built into the salaries. Some places here allow you to opt out of benefits, and receive more pay. It's a good deal for the youngsters that are not likely to need large amounts of drugs.
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Re: Healthcare in America
Reply #21 - 07/14/12 at 18:31:15
 
Give it a rest Webster.

We are all so very tired of your "Screw You Jack, I've Got Mine." attitude.

You may be well off financially, but morally and spiritually you are bankrupt.
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Re: Healthcare in America
Reply #22 - 07/14/12 at 18:35:54
 
arteacher wrote on 07/14/12 at 17:55:55:
Bill- those benefits are built into the salaries. Some places here allow you to opt out of benefits, and receive more pay. It's a good deal for the youngsters that are not likely to need large amounts of drugs.

You don't understand it a insurance company can give a better rate per person to a company with 100 people than they can one person.I never had heath insurance I paid for my 4 kids and any doctor bills myself.My wife went to work so she had insurance that paid for her and all her cancers bills,which were around $200,000 25 years ago. Once she died I didn't have insurance.I got a girl friend and she said I should have insurance so I did for 5 years,Then I saw how much it was going up ever year is when I decided to go to the VA .So I paid for insurance for 5 years. My brother and partner in business never had insurance he's in the VA now too.He was in National Guard,Back then he didn't even have to go for 6 months. If I get cancer tomorrow it want cost the government much because I want take radiation or chemotherapy.
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Re: Healthcare in America
Reply #23 - 07/14/12 at 19:03:58
 
One more thing when I was a kid and my kids weren't going to the doctor all the time,Like my grand kids who's parents have insurance.They are always going for some little thing.Just one reason insurance is higher now.the other reason the doctors charge to much and the Indian doctors have a lot to do with it.
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Re: Healthcare in America
Reply #24 - 07/16/12 at 13:15:28
 
  The only reason America has not embraced socialism is because we all feel we will become millionares..

360K, I would most likely go see a lawyer on that hospital bill, file bankruptcy, or file suit for overcharging/gouging..
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Re: Healthcare in America
Reply #25 - 07/16/12 at 20:43:39
 
The first step in a fight with a hospital bill is to make them send an itemized bill. Then, look thru it carefully for things billed you didnt get. Then, confront them with the discrepancies, then, if theyre any notable %age of the bill,, have them send a new itemized bill, with those items removed. Then, youve got them admitting fraud.. I made them eat a rather large bill in West Texas that way. After I got the New Itemized bill, I called thgem & told them they would forget it or I would contact my insurance company & have them study the billing on other patients,, they went away & never said a word to the credit reporting agencies..
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Re: Healthcare in America
Reply #26 - 07/16/12 at 21:17:51
 
Why an MRI costs $1,080 in America and $280 in France
Source Washington Post

<snip>

There is a simple reason health care in the United States costs more than it does anywhere else: The prices are higher.

That may sound obvious. But it is, in fact, key to understanding one of the most pressing problems facing our economy. In 2009, Americans spent $7,960 per person on health care. Our neighbors in Canada spent $4,808. The Germans spent $4,218. The French, $3,978. If we had the per-person costs of any of those countries, America’s deficits would vanish. Workers would have much more money in their pockets. Our economy would grow more quickly, as our exports would be more competitive.

There are many possible explanations for why Americans pay so much more. It could be that we’re sicker. Or that we go to the doctor more frequently. But health researchers have largely discarded these theories. As Gerard Anderson, Uwe Reinhardt, Peter Hussey and Varduhi Petrosyan put it in the title of their influential 2010 study on international health-care costs, “it’s the prices, stupid.”

As it’s difficult to get good data on prices, that paper blamed prices largely by eliminating the other possible culprits. They authors considered, for instance, the idea that Americans were simply using more health-care services, but on close inspection, found that Americans don’t see the doctor more often or stay longer in the hospital than residents of other countries. Quite the opposite, actually. We spend less time in the hospital than Germans and see the doctor less often than the Canadians.

<end of snip>

...healthcare in America is a racket and will stay a racket as long as our health care needs, decisions, choice of doctors, treatments etc. are decided by the "for profit" insurance companies.

How can Americans be so DUMB that they WANT private (deny the claim) insurance companies to manage their health care???

We need a single payer system because insurance companies openly engage in price gouging hurting those least able to pay.

Providers largely charge what they can get away with, often offering different prices to different insurers, and an even higher price to the uninsured. It's criminal.

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Re: Healthcare in America
Reply #27 - 07/16/12 at 23:31:43
 
I would expect that I could get a lower price if I went to a doctors office & told them I had no insurance, but was ready to pay cash for my visit.
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Re: Healthcare in America
Reply #28 - 07/17/12 at 03:35:31
 
I wish my last set of MRI's had only cost $1080... contrast MRI was billed at just over $3400. My health insurance has a $25K yearly maximum benefit amount. Over 10% for 1 procedure...

Had a wisdom tooth taken out a week ago. $202 out the door. For a 5 minute procedure. Self pay, the kid ahead of me with state dental coverage was supposed to be charged $329, coverage only pays $235. So I did get a hefty self-pay "discount". $202 for a $50 non-surgical extraction... And since when is a set of x-rays and a cleaning worth $268... Was talking about all this with a German friend the other night online. Same procedures would cost less than $100 each.

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Re: Healthcare in America
Reply #29 - 07/17/12 at 04:01:18
 
It cost that much because competition has been taken out of healthcare. Once health insurance became a common employee benefit, the public began to view healthcare as a monthly expense, a deduction on their paycheck. With no free market competition to rein in the insurance companies, they did what unions did to the big 3 auto companies; they raped them. The reason Japanese cars used to cost so little compared to US cars a couple decades ago is the same reason why it cost more for an MRI in the States than it does in Germany.

Now that the automobile playing field has been leveled by a decline in the UAW raping habits and more foreign cars made on US soil, the prices of both cars are closer to one another. Bring competition into healthcare insurance and the companies will need to compete for our business. Prices will drop.

If you don’t think that’s true, see how expensive dental work has become over the past 5-7 years once dental insurance became more and more popular. I remember 10 years ago, dental coverage was rare and it was cheaper to go to the dentist. I paid cash most of the time. Now I have a dental policy at work and all the prices have gone up.

Insurance companies are not evil, they do what all companeis do, take advantage of the market conditions. If they had to compete for our business the way auto insurance companies do, prices would come down. Competition between companies always increases quality and lowers cost.
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