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[QUOTE=DJD;496256]Agreed! They should be implanted with a sensor and if you don't get up by 8am M-F you get less obama money errrr gubment money.:p...Don't go to sleep by 11pm M-F you get less obama money! You gain more than 10 pounds a year? Less obama money! You don't look for work less obama money! You don't have a picture ID? No voting and less obama money! You watch CNN, MSNBC, NBC or ABC? Less obama money because your getting educated on how to squeeze more out of others! Awww heck it will never work! This seems like racist talk.....:rolleyes::rolleyes:[/QUOTE]
LMAO, To dang funny.....
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[QUOTE=kydonky;496227]Since there appears to be some nit picky readers on this blog, here is the definition of Insurance from the dictonary. It does not difine higher cost. If that were true you should cancel your house insurance, boat insurance and car insurance.
Insurance; an arrangement by which a company gives customers financial protection against loss or harm such as theft or illness in return for payment premium
Did you notice the term "gives" protection.
Look it up[/QUOTE]
There's a BIG difference between insurance for car, boat or house where (hopefully) you only utilize it very rarely if ever and health insurance that is used on a monthly, weekly or daily basis.
We're basically giving our money to an insurance company to pay for our daily medications and doctor's visits. If you don't think that we're ultimately paying more BECAUSE we let a company take our money, skim off it's own profits, pay for its expenses and then give the rest to pay for our health care then you're not doing the math or you've been brainwashed.
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[QUOTE=know1;496287]There's a BIG difference between insurance for car, boat or house where (hopefully) you only utilize it very rarely if ever and health insurance that is used on a monthly, weekly or daily basis.
We're basically giving our money to an insurance company to pay for our daily medications and doctor's visits. If you don't think that we're ultimately paying more BECAUSE we let a company take our money, skim off it's own profits, pay for its expenses and then give the rest to pay for our health care then you're not doing the math or you've been brainwashed.[/QUOTE]
If it were only that simple no one would buy health insurance. Would you be able to pay for a quadruple bypass out of pocket?
To accumulate enough cash to cover medical cost for a lifetime you would have to save from the time you are born and hope you do not have any expenses for the first 50 years.
I don't think you understand the basic pricipals of insurance.
The principle is to spread the risk. The larger the risk is spread the lower the cost per person.[
Everyone uses health care but only 40% or so purchase health coverage.
This blog talks about freeloaders all the time. What is the difference in receiving food stamps and healthcare.
One difference is that for humanitarian reasons no one is refused health care in life threating situations.
I think it is time everyone pays the fair share.
Now Pappa Johns is a very big and profitable company. #1 im am surprized that they do not offer corporate employees health insurance (this is how the CEO presented his argument, that to provide health insurance would ^ cost of pizza). #2 the vast majority of franchise holders have fewer than 50 employees and those that do have over 50 employees simply have to "offer" health coverage that can be part of the total compensation for the employee.
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[QUOTE=kydonky;496303]If it were only that simple no one would buy health insurance. Would you be able to pay for a quadruple bypass out of pocket?
To accumulate enough cash to cover medical cost for a lifetime you would have to save from the time you are born and hope you do not have any expenses for the first 50 years.
I don't think you understand the basic pricipals of insurance.
The principle is to spread the risk. The larger the risk is spread the lower the cost per person.
Everyone uses health care but only 40% or so purchase health coverage. [/QUOTE]
Sometimes I think I'm the ONLY person that understands the principle of health insurance. Of course we would need insurance to pay for a quadruple bypass, but we should get rid of insurance for our daily meds, routine check-ups, etc.
As I've said before, if I had all the money my employers had paid in premiums for me since I entered the workforce, I could have maintained catastrophic health insurance, paid for my daily health issues out-of-pocket, and would likely have a large reserve of cash set aside for future.
I guess people really think the answer to this problem is doing more of the same things we've been doing for years, but we have to make a fundamental change - i.e. get rid of health insurance other than catastrophic - if we want to see improvement.
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[QUOTE=know1;496387]Sometimes I think I'm the ONLY person that understands the principle of health insurance.[/QUOTE]
The fact that everybody disagrees with you doesn't mean nobody understands you.
[QUOTE=know1;496387]As I've said before, if I had all the money my employers had paid in premiums for me since I entered the workforce, I could have maintained catastrophic health insurance, paid for my daily health issues out-of-pocket, and would likely have a large reserve of cash set aside for future.[/QUOTE]
Congratulations. For this to be true, you must have been very healthy over the years. Not everyone is so lucky.
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[QUOTE=RoadToad;496395]The fact that everybody disagrees with you doesn't mean nobody understands you.
Congratulations. For this to be true, you must have been very healthy over the years. Not everyone is so lucky.[/QUOTE]
It's more about the fact that the my company is paying for "normal" health insurance and I would have just bought catastrophic and invested the difference.
If the health insurance industry - as we use (abuse) it today - went away, we'd still have to pay for our health care. We just wouldn't have to pay for the health insurance industry.
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[QUOTE=know1;496387]Sometimes I think I'm the ONLY person that understands the principle of health insurance. Of course we would need insurance to pay for a quadruple bypass, but we should get rid of insurance for our daily meds, routine check-ups, etc.
As I've said before, if I had all the money my employers had paid in premiums for me since I entered the workforce, I could have maintained catastrophic health insurance, paid for my daily health issues out-of-pocket, and would likely have a large reserve of cash set aside for future.
I guess people really think the answer to this problem is doing more of the same things we've been doing for years, but we have to make a fundamental change - i.e. get rid of health insurance other than catastrophic - if we want to see improvement.[/QUOTE] that would work for me, I work at a Union job and have good Insurance, and it's part of my retirement. will have it for as long as I live. and have only used it 2 times in the last 10 years. but I'm in good health, and sounds like you are a healthy man by the statement you made above. but everyone isn't as blessed as you and I with good health. if you had health problems and had to visit a doctor on regular basis, as millions of people do. you would look at it different.
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First, the best pizza is at Papalino's in Louisville.
Second, I pay the worker's comp bills for a huge employer in Louisville. Every bill is written down by the worker's comp insurance company to about a third. In other words, if you sprain your shoulder, the hospital charges $24,000 but the insurance company negotiates that down to $7,500. If you have no insurance (self-insured), you get screwed beyond all measure. There's a reason they are building new hospitals with giant chandeliers in the lobby.
I think the Obamacare debate has misplaced this debate. Virtually every pension went bankrupt due to skyrocketing health care costs. Every government is slashing drastically due to high health care costs (good or bad). Every worker pays more every year for health care that has higher deductibles and worse coverage. And Obamacare isn't active yet. Somethin's broke, folks. I don't know how to fix it, but there's a hole in the bucket. I doubt Obamacare is the answer, but this is an emergency.
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[QUOTE=know1;496387]Sometimes I think I'm the ONLY person that understands the principle of health insurance. Of course we would need insurance to pay for a quadruple bypass, but we should get rid of insurance for our daily meds, routine check-ups, etc.
As I've said before, if I had all the money my employers had paid in premiums for me since I entered the workforce, I could have maintained catastrophic health insurance, paid for my daily health issues out-of-pocket, and would likely have a large reserve of cash set aside for future.
I guess people really think the answer to this problem is doing more of the same things we've been doing for years, but we have to make a fundamental change - i.e. get rid of health insurance other than catastrophic - if we want to see improvement.[/QUOTE]
You might be onto something there...surely it would lower insurance costs if insurance did not cover routine check ups, wouldn't it? Seems like it should.
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[QUOTE=eddie_m;496473]First, the best pizza is at Papalino's in Louisville.
Second, I pay the worker's comp bills for a huge employer in Louisville. Every bill is written down by the worker's comp insurance company to about a third. In other words, if you sprain your shoulder, the hospital charges $24,000 but the insurance company negotiates that down to $7,500. If you have no insurance (self-insured), you get screwed beyond all measure. There's a reason they are building new hospitals with giant chandeliers in the lobby.
I think the Obamacare debate has misplaced this debate. Virtually every pension went bankrupt due to skyrocketing health care costs. Every government is slashing drastically due to high health care costs (good or bad). Every worker pays more every year for health care that has higher deductibles and worse coverage. And Obamacare isn't active yet. Somethin's broke, folks. I don't know how to fix it, but there's a hole in the bucket. I doubt Obamacare is the answer, but this is an emergency.[/QUOTE]
I'm with you on alot of this. First off, I don't understand Obamacare and I believe noone does 100%. The fact that we are getting more gubment intrusion scares me and it should anyone who has watched other programs get saved, formulated, revised or controlled. Anyone in business knows that to have quality there has to be a vested interest in the process by the workers or one helluva leader. Again that scares me because some of the reports we hear claim millions more patients will flood the system and the gubment will help dictate what is covered, what insurance you have and then the stories of the millions who will get coverage for free. Ever get around a gubment worker or system that is overwhelmed? They can go home at closing time and start back the next morning without alot of fear for their job. Or fear that they might fail and go out of business....they are just making a check!
Ever go to the Mall and have some young person who could care less help you find something? Maybe exchange some goods....Kinda aggravating huh? Take the other person who is excited or cares about what they do and you feel much better because you received good service. That how I see this new "change" coming with healthcare. I'm not saying Doctors are going to be this way....my concern is the supporting staff, gubment insurance and so on. To me, I would rather have quality over quantity when it comes to my healthcare.
How much of that it true? I don't know. If you think that we as tax paying folks won't bear any additional cost to help fund this your crazy. That scare me as well. Whats going to happen in 5-10 years when a large portion of this program that sounded like Nirvana to many actually has budget issues? The law makers mis-read the actual budget needs and now need more money to stay afloat. Sound familiar? Once the gubment gets into a system its like a virus. They get so ingrained with people, resources, more laws and dependency that you can't stop it. So if they need more money they just take it and sadly people rejoice in taxing others because they think it's fair. Well wait and see how it feels when they target you for healthcare cost on things not associated with Healthcare. Maybe selling a car, a new standard on who is deemed Rich, buying goods or whatever. It's all about control folks.
So the Healthcare was so bad we had to fix it huh? Actually, in my opinion, it was the Healthcare costs that were out of control. Frivolous lawsuits, insurance costs, drug companies and medical device cost are probably out of control (i'm guessing that from experience, no proof) and yet they did what for that? Anyone know? Seems to me they took the opportunity to just SELL the american people on a better way to do business when in fact it could be worse in the long run.
It scares the piss out of me when we see the kind of people in charge and the way they have done business. We all know that obama is trying to build a legacy for himself and the Dems was/in power like Pelosi wanted to be in on it. The people were not a consideration. Kinda funny how nothing major takes place until after the upcoming elections.....It was purely political. JMO
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[QUOTE=eddie_m;496473]First, the best pizza is at Papalino's in Louisville.
Second, I pay the worker's comp bills for a huge employer in Louisville. Every bill is written down by the worker's comp insurance company to about a third. In other words, if you sprain your shoulder, the hospital charges $24,000 but the insurance company negotiates that down to $7,500. If you have no insurance (self-insured), you get screwed beyond all measure. There's a reason they are building new hospitals with giant chandeliers in the lobby.
[/QUOTE]
See - I think that initial $24K bill is just part of the whole health insurance scam. If they were willing to accept so much less, then they should be willing to accept that from a person paying in cash. Especially since they don't have to deal with filing insurance, etc.
I think they inflate that initial charge just to scare people into thinking that they need insurance.
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[QUOTE=know1;496487]See - I think that initial $24K bill is just part of the whole health insurance scam. If they were willing to accept so much less, then they should be willing to accept that from a person paying in cash. Especially since they don't have to deal with filing insurance, etc.
I think they inflate that initial charge just to scare people into thinking that they need insurance.[/QUOTE] I remember back in the day, I cut my finger on a saw blade. had to go to the hospital, no insurance waited in room for doctor about 25 minutes, he came in worked on it sewing it back together, took about 15 minutes. charged 1800.00 dollars, I like to died, I was thinking while he was sewing it up, this little mistake of cutting my finger will cost me a couple hundred bucks. the prices the Doctors charge is why everything is out of control. and you are right about if they can accept a lower bottom line, after all is said and done, they could have charged the lower price to begin with. it's the same way with the new autos, list price 5 to 10 thousand more than what they can sell the auto for. then offer the thousands in discounts or a lower interest rate to get it where it should be priced to begin with.
