Healthcare Insurance..... out of control!

[DJD]

Slipped,
Here are a few problems I have with the President and Congress....

1) He lies so much and has always shown terible judgement. I don't trust him or his agenda.

2) This Congress majority has been one of the main factors in our current Recession and have a LOW approval rating. I don't trust people who don't take responsibility for their mistakes.

3) Remember how we needed to spend Billions/Trillions to bailout companies with little to no pork in the Stimulus Plan? It was loaded!! We were lied to again.

4) The gubment cannot run anything anything anything!! Look into the Postal Service, Social Security, Medicare, Medicaid, Welfare and other programs and get back to me.

5) In my heart I don't think anyone is trying to help. It's a political move that's all. They want to firm up their poor, immigrant, gubment baby following. If not why not get tort reform or competition across state lines? All they want to do is tax us more and give to the needy but what about us who have to make ends meet? We just get tapped on the shoulder being asked for more money.

One last thing is once you understand what they are trying to pass please explain it to me. I would like to know what it will cost me and who is getting a free ride this time off my money.

[GeoFisher]

I think we should go to catastrophic health insurance only and let the consumers find the rates they want to pay for the actual care.

This is really one of the BEST options........but you still need someone to administer and pay claims with Catastrophic insurance........who will do that.

Since I went to a HSA and a High Deductible plan, I feel I'm in much more control over my health care costs........I still have a "blanket" to cover me when I have a SERIOUS problem, but everyday medical expenses are covered by ME.

Later,

Geo

[Tyme2fish]

I pay for my own health insurance and here is where I have a problem.

I recently had to have a blood panel done. Lipids,A1C for diabetes and the PSA level. Just regular scheduled blood testing for a man over 60.

This is where it gets interesting. The clinic charged $615.00 for this work.
Insurance only allowed $37.90. That's right.. a disallowance of $577.10.

Of the allowed amount, I paid $11.37 and insurance paid $26.53

What happened to the $577.10? The clinic "ate it". But if I didn't have insurance they would have socked me with a $615.00 bill.

You can go without insurance and pay full costs, or sign up for the extortion benefits and pay the insurance company to act as an agent and get you discounted prices. Why the heck can't a clinic or doctor's office charge me the price that insurance pays plus 10% and we could eliminate the insurance companies.

I have Anthem insurance and was recently in the middle of the Norton/Anthem dispute. When I called my doctor's office to ask their price for my follow up office visit (he just went over my blood tests and took my blood pressure) their response was, "It depends." I responded with, "Depends on what?" Well we really can't give you a price. WTF??? Someone in billing is sure as heck going to assign me a cost so why can't you tell me upfront what that cost will be? They finally gave me a price range of between $60.00 and $90.00 for my office visit. Guess what I was charged. Yep, you got it, the highest amount of $90.00. grrrrrrrrrrrr

I have every confidence in my doctor and he doesn't even know what the office does in billing. He's basically an employee of Norton.

The saving grace here is that my doctor does give me free samples and he gave me enough of one of my insulins to more than cover my office visit cost ten fold.

[Grumpy]

If you think Health Insurance is expensive now--wait until its free!!

Grumpy

[DJD]

This is really one of the BEST options........but you still need someone to administer and pay claims with Catastrophic insurance........who will do that.

Since I went to a HSA and a High Deductible plan, I feel I'm in much more control over my health care costs........I still have a "blanket" to cover me when I have a SERIOUS problem, but everyday medical expenses are covered by ME.

Later,

Geo

Exactly what I have. The company even puts money into our HSA each month.

[DJD]

She should be able to get private insurance for less than $350 a month for a family plan. We had one with Humana 2 years ago and for a family of four our premium was $265 a month with $25 co-pay for doctors visits. I believe it was called Humana One. The only thing I will say is their customer service was not the greatest, but, we were on it for a short time and did use it with no problems.

Exactly what I said...I know she is looking into that option.

[jamesdenson]

the reason your insurance car and health care is so high is because of the sue happy people that sue all the doctors for millions that makes the doctors insurance go up in return he charges more and then your insurance goes up.