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Author Topic: Health Insurance Advice  (Read 10634 times)

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Offline Mark 79

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Re: Health Insurance Advice
« Reply #25 on: August 04, 2023, 09:33:32 PM »
Quote from: SimpleMan on August 04, 2023, 02:23:23 AM
…My mother has Medicare Part B and she doesn't pay nearly as much as the lady whom you mention.

Not clear what you mean by "I infer then that your retirement bargain is directly a benefit of 'get a job that provides insurance' " No offense taken, I just don't understand the sentence.  I am partially disabled, and on top of that, have elder caregiving and full-time parenting and homeschooling responsibilities, so getting a job wouldn't work right now.  After my son finishes high school, I may try to get some kind of work-at-home hustle.
 I am not on Medicare and do not want Medicare, so I only know what I was told. Popular misunderstanding aside, Medicare is not an "I'm getting back what I paid in" deal; it is another Ponzi fraud like "Social Security."


Quote from: SimpleMan on August 04, 2023, 02:23:23 AM

Not clear what you mean by "I infer then that your retirement bargain is directly a benefit of 'get a job that provides insurance' " No offense taken, I just don't understand the sentence.  I am partially disabled, and on top of that, have elder caregiving and full-time parenting and homeschooling responsibilities, so getting a job wouldn't work right now.  After my son finishes high school, I may try to get some kind of work-at-home hustle.
 In that perhaps opaque statement I meant to convey:

(1) I described a few options to the OP: go "naked," self-insure, qualify for a governemnt handout, or "get a job that provides health coverage."

(2) Your described costs for health insurance are low because they are subsidized, in part because it's part of your retirement package, which…

(3) Is a direct result of having "gotten a job that subsidized your health insurance," so…

(4) I consider your low insurance premiums a subset of "getting a job that provides health care."


If you had not taken "a job that provides health care," you wouldn't have that particular subsidy. You might or might not qualify for a different subsidy.
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Offline Mark 79

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Re: Health Insurance Advice
« Reply #26 on: August 04, 2023, 09:50:22 PM »
Quote from: B from A on August 04, 2023, 07:18:58 AM
I know several people who use this type of option, and are very happy with it.
Not to be flip, but many people are also happy with Kaiser (the HMO archetype).

Those people fall mostly into two categories:
(1) young healthy people who take care of themselves, don't get sick, so never need to deal with Kaiser's obstructions and
(2) people with catastrophic medical problems who have been successfully plugged into Kaiser's system and all the costs are borne within Kaiser (as Kaiser dictates, "our way or no way").

Unfortunately, most people and most families are in the middle of those extremes, families with some health problems, so have to negotiate the roadblocks and maze of requirements that lead, last time I saw numbers, 70% of Kaiser patients pay out-of-pocket for care outside of Kaiser. So, that 70% pays their Kaiser premiums, Kaiser is out of pocket nothing, and the patients has the additional expense of using the provate system, e.g., "urgent care cebters" and the like.

I looked at the Protestant (not "Christian") plans and concluded it was just a variant of Kaiser's roadblocks and mazes. We took the "get a job that provides…" option.
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Offline MaterDominici

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Re: Health Insurance Advice
« Reply #27 on: August 04, 2023, 10:07:52 PM »
Quote from: Mark 79 on August 04, 2023, 09:50:22 PM

I looked at the Protestant (not "Christian") plans and concluded it was just a variant of Kaiser's roadblocks and mazes. We took the "get a job that provides…" option.
The programs might sound complicated at first, but in my experience, CHM has been easy to work with.
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Offline Mark 79

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Re: Health Insurance Advice
« Reply #28 on: August 04, 2023, 10:19:17 PM »
Quote from: St Giles on August 04, 2023, 09:23:56 PM
Does the healthcare industry have to cost as much as it does? If not, then they might not have to rely on those who have insurance to cover the cost of those who don't and can't afford to pay the full cost.…

Well… "industry" says it all, doesn't it?  All of the "for profit" middle men are feeding at the same trough.

In my youth, it cost $7 for an office visit. If you needed an x-ray or EKG or a shot, there was no extra charge,  the doctor absorbed the extra costs.

When Medicare was foisted on the nation (by the money-worshippers' lobby), the government started asking, "What are these charges for?"  Doctors reacted to the .gov/.ZOG questions and started thinking… "Hey, I have to pay for that x-ray machine, the film, the tech and the electricity and maintenance and the developer and the chemicals to run the machine. I have to pay for that EKG machine, the paper, the nurse, and the electricity and maintenance to run the machine. I have office rent, billing staff, malpractice, etc."

This unintended (?) consequence of .gov/.ZOG intervention in your health care led to doctors unbundling those services that were previously bundled in that $7 office visit fee.  Who can be surprised that the routine charge is not longer $7 or even the 2023 equivalent of pre-Medicare dollars?

Jew lawyers and their goy clients saw a quick buck in any unwelcome outcome. Malpractice costs soared and those costs were passed on to patients and/or their surrogates.

Then in the 1990's Kaiser's 1940's experiment with managed care exploded in our faces. Within a decade managed care took over and  monolithic profit-oriented (((big business))) passed on not only the actual costs of health care, but the costs of their own lavish edifices and armies of minimum wage employees and cover-their-ass attorneys started denying your medical bills, denying imaging or recommended procedures.

And, of course, marvelous technological advances like that $1million CT scanner, $2million dollar MRI, and $2.5million PET/CT, $1billion proton beam, etc. wrought diagnostic marvels at an enormous increase in cost.

And then there is the inflation caused by patients and families.  In the past Mom would keep you home with your sore throat, give you hot tea and honey, and see that your sore throat went away in a day or so.  Not so with modern metrosɛҳuąƖ men and entitled women. Now everything is "urgent" or an "emergency." Everyone wants the quick fix, so they rush to the most expensive providers of instant care. What costs $50 in a GP's office, now costs $2000 (minimum) in the ER.

Having "first dollar" coverage means patients and families have no disincentive to go to the most fastest and most expensive source of [dubious] care. They don't see the $2,000 ER visit coming out of their pocket because those costs are hidden from them.

No longer do most doctors take any oath to be advocates and defenders of their patients. Instead self-aggrandizement becomes primary. "Managed care" withholds from doctors about 50-70% of the already discounted fee and the doctor will never see that 50-70% if he orders "too many" scans, lab tests, or prescriptions.

There is plenty pf blame to go around. In short, health care and health costs reflects the general decline in society.
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Offline gladius_veritatis

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Re: Health Insurance Advice
« Reply #29 on: August 04, 2023, 10:21:34 PM »
Never had insurance.  Never plan to get it.  Eat right, live right.  No issues.  

Like all insurance, it is a gigantic scam.  Just as an unjust law is no law at all, an insane/unjust bill is no bill.  They MUST treat you, but that does not mean you MUST ruin your life to repay them.  Send them a few bucks a month, they cannot object or harm you.
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