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If you're all too apathetic to hold your public officials to a high enough standard to run your government efficiently, then private industry is really gonna take y'all for ride.
The NHS in the UK isnt perfect, but i having to worry if i can be ill and pay the bills is something nobody in europe has to think about,
People need to educate themselves, but instead they simply choose the lowest premium products without researching what the benefits are. I see it all the time at work.
One younger guy I've worked with, however is one of the smart ones. He looked at the little add one to the employer provided policy as true benefits, realized that the total cost of the LTD,, critical illness, etc.was less than a night out drinking with his buddies each month and decided to get covered.
He was unbelievably healthy at the time, but when the doctor gave him the news a few years later that he had a pretty rare form of leukemia he didn't have to worry as much as some about the cost of treatment.
Turns out that he's still hospitalized, nearly 20 months straight now, and hasn't had a single claim denied by his insurance companies.
People can talk about saving money to pay for their care with cash, but there's no way in a case like that and it can happen to any of us, no matter how healthy you believe you are or how fit or tough you think you are.
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complex and hard to read and understand most just sign. It's like a fucking game. And before you say it's my fault for not reading the fine print, what, those without the patience or ability to comprehend just get left in the desert with no water to die? Wtf is that?
Look, I'm not saying the guy on the production line, actually making the pills at 16.50 an hour is the problem.
But check out how much the CEO of Highmark pays himself. Multi millions, every year. Same with the top level
management , at least a million a year per exec. Every year. And we by law have to deal with them. They need more money,
No problem, raise the rates. Mine went up 26% this year. Who do I see about that? My pay went up 50 cents an
hour.
Then see what the drug makers make, hiding behind the current laws they back and pay for.
Then, add the cost the government has incurred by requiring everyone's medical records to be amassed and filed with them, it's no wonder we are where we are.
And the kicker is, even tho at the end of this year, I will have paid in 27,000.00, and because there's a 1,000.00
deductible, I still have to pay for a cut hand or medicine when I get the flu.
It's off the scale, it's crazy.
That's a far bigger part of the problem we're in, overall. Consumers who place no value on the product until they get into a pickle and then want to find someone to blame for their ignorance of what they purchased.
Okay, we all get a magnifying glass out, consult our attorney, and find the golden nugget or 2 in that ream of paper.
All the insurance companies would counter with just raising the rates, or drop that part of the plan if it did not continue
to support the lifestyle they consider just to them.
That's honest, that's the reality.
Tell me I don't speak the truth.
Where do I not speak the truth?
Where am I not based in reality?
Do the health care companies not pay their top management outrageous sums?
What drug making companies do not return outrageous profits here in the US?
Can I buy any medicine manufactured outside of the USA borders?
Have a whole legion of government office workers, who by the way received almost a 2 percent raise this year
while the rest got zilch, not been created and their pay loaded on the average guys back?
Enlighten me, where am I not based in reality?
Ever needed an MRI or anything like that? No problem, we'll put you on the list. Should be able to get to you in about 16 months or so.
MRI's done, looks like you do indeed need surgery. We'll put you on the bottom of this other list. Thanks for your patience.
Waiting times here are not to bad, wife had major surgery, would have bankrupted us in the US for sure.
One part of me says just nationalize the whole Effin industry, morph it all into Medicare and be done with it.
You work in health care or drug making you work for the federal government.
You get paid by them out of the taxes they take in.
But, then I think of the job I did last month at the local Social Security office, fixing a refrigeration unit.
4 people with stacks of files, everywhere. Just fucking off like they were on lunch break all day. First class furniture,
Top of the line equipment, that sits there waiting for someone to use it.
No, Bernie Sanders can have that vision.
One part of me says just can it all, go the pure Capitalist route, let the market decide who gets what and pays accordingly. For that to work, the gloves have to come off. No more patent royalties after, say, 3 years.
Caps on malpractice awards. Free market drugs, available from anywhere on the globe. With maybe a safety net
Like Medicare run by the government for those that truly can't provide for themselves.
Or, make the whole industry one big utility. Like the electric or water companies. Non profit, but good paying jobs
for those that want to heal people. Subject to review by the public any time a major change or rate increase is needed.
I know those guys work, they jump when there's a gas leak or power outage.
One thing is for sure, drug makers and insurance providers, can not continue to enjoy the free rein they now enjoy.
-I owned a business for 20 years with 25 plus employees.
-I have 2 kids, 1 in college
- my wife owns a small insurance business
I provided health insurance, 401K,
Cafeteria plans. My wife provides insurance for 3 employees
Been at it for a long time. Ebbs and flows. Insurance companies suck. Govt gives them a license to steal. People steal. People lie. People decided their dogs needed dental. Things went south.
There are private market solutions. Most cant understand that. That bodes well for bloated Government, Big Corporations, and Socialists. Pitiful mentality IMO. Someone take care of things, us peasants are simple minded.
No thanks.
Hope World Peas keeps everyone safe. Doubt it.
How do guys who race get cover ?? What does that cost
Pit Row
You don't speak the truth because policies don't take up a ream of paper.
You don't speak the truth because there are no hidden "golden nuggets" that you need to search for.
Etc., etc., etc.
You ARE, however, doing a decent job of illustrating the hysterical hyperbole that comes from ignorance pretty well.........
I do personally believe that if regulations would allow a free market system to do what works globally, remove certian restrictions, the majority of people could have excellent medical treatment they can afford. The exceptions should be cared for by our tax dollars, with a broad stroke.
Well, I have average vision and have a hard time reading the fine print in my policy.
And yes, sit the booklet along with the policy and very well may be half a ream of paper,
And if you add the law itself , tell me that isn't a ream of paper. Or 2.
But I guess I'm not supposed to be concerned with the law, just take Barry's word that it's all fair and good.
And what you call an add on to employer, that only a smart guy would see, I call a golden nugget.
Now, how about addressing the real substance of this discussion, instead of the petty nit picking you seem to relish.
Without the condescending, somewhat pompous and borderline insulting tone.
Or should I just eat cake?
I got in an excited discussion with my sister and brother in law over Obamacare back in 2012 or 13. I wasnt for Obamacare but I was for change in our health insurance system based on the fact that I didnt like it that my friend who got diagnosed with cancer and lost his job at the same time when the recession started, ALMOST lost his health insurance too. If that had happened no other insurer would have picked him up due to a pre-existing condition.
What ended up happening, he was able to keep his insurance that the company was previously providing (you call that cobra right?) but then he had to pay the full premium. His premium ballooned to over $500/month. Well....the increase in premium plus losing his job, plus all the other healthcare costs of having cancer took all of his life savings. He made the comment one time that if he was late paying his premium by one day, he feared that would be all the insurer would need to cancel him in the middle of his cancer treatments. Whether thats true or not Im not sure, but we've all heard the horror stories havnt we?
When I explained this to my bro in law he said, "Do you want me to pay for him?" He told me that the strong survive and the weak die and thats the way its always been. I agreed with him to a certain point but then I told him that I thought perhaps the percentage of weak has gotten a little too big and this is what is bringing about change. Its what got Obama elected twice. That divide between those who have and those who do not has gotten too big.
Or at least the Democrats have gotten enough people to believe this.
Thats why you always have to "Fall off the roof"
Insurance is NOT in the business of losing money. if they can NOT pay, they won't.
Socialized healthcare is not a business for profit they way health insurance works here.
VA and Vets get a 'Socialized" healthcare here. And its good.
And whoever said up there in Canada you have to WAIT for a procedure, I have 2 procedures scheduled 3 and 5 months out. OVER BOOKED. Here is the USA.
So our system is shit. It's no better in any way shape or form. And Bankruptcy is a major concern when INSURANCE DENIES YOUR CLAIM.
Oh, and some of those countries with socialized healthcare have a 15% flat tax rate for citizens. Less for corporations. Do your research.
I'll take that ANY DAY. ALL DAY. Starting TODAY.
What some are saying they are paying in health insurance premiums, is more than I am paying in in total income tax. That's messed up.
I was wrong about the "$9000 Family Deductible" We do each get to use our $4500 deductible and then we also pay %20 from $4500 to $6250 I believe what it was.
I think what led us to believe we added our deductibles together is when we were shopping around for our 2015 plan, we came to understand thats the way Premera did it....so thats why we went with Grouphealth and there slightly higher monthly premium. I cant remember at this point why we thought that.
To make a loooooong story short ....and an epic thread Hi-jack on my part complete.
And Canucks dont wait any longer for non life threatening procedures than us.
I have shit so far booked out I gave up.
Unless of course I pay the whole thing out of pocket.
But in network providers....good fuckin luck
On the flip side, and this kind of reinforces what you are saying.... Canadas health care system isn't the greatest, but its not toooo bad. You typically avoid financial ruin from the cost of the surgery or illness. It usually comes in the form of lost jobs, and payments not being made, etc.
It seems the socialist mind thinks government should just look after it all, but government seems to be able to make anything and everything inefficient and ineffective. Then, if you privatize it, greed and corruption seem to ruin it. Kind of a bad deal all around. Hopefully we can maintain the system in Canada, but I doubt it. Baby boomers will be retiring soon, and there is a huge number of them, and someone needs to pay for it. Judging by the taxes I pay, Im doing more than my share. lol Cheers.
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