Medical Insurance in the US
-
@Dashrender said:
all that said - it would be really nice to just have collision type insurance - catastrophic insurance. If you run into something medical that will cost more than say $10K. the insurance pays it.. done.. anything less... suck it up, life's not cheap!
Yup that I have. Doesn't do me any good for not getting taxed but for major accidents etc. It ends up paying me
-
@Dashrender said:
all that said - it would be really nice to just have collision type insurance - catastrophic insurance. If you run into something medical that will cost more than say $10K. the insurance pays it.. done.. anything less... suck it up, life's not cheap!
The American system isn't setup to handle that tho. Have you ever actually looked at a hospital bill? Good luck deciphering everything on that little piece of insanity.
-
@Minion-Queen said:
@Dashrender said:
all that said - it would be really nice to just have collision type insurance - catastrophic insurance. If you run into something medical that will cost more than say $10K. the insurance pays it.. done.. anything less... suck it up, life's not cheap!
Yup that I have. Doesn't do me any good for not getting taxed but for major accidents etc. It ends up paying me
Oh - well, then you've found the best situation, but that catastrophic insurance costs should be included in your line item, because it's directly related....
-
@travisdh1 said:
@Dashrender said:
all that said - it would be really nice to just have collision type insurance - catastrophic insurance. If you run into something medical that will cost more than say $10K. the insurance pays it.. done.. anything less... suck it up, life's not cheap!
The American system isn't setup to handle that tho. Have you ever actually looked at a hospital bill? Good luck deciphering everything on that little piece of insanity.
Yes I have - when i had stitches in the OR 2 years ago. The hospital charged me for a DR fee, and the Dr's office sent me another bill for her services as well - and this double billing is somehow legal.
-
@travisdh1 said:
@Dashrender said:
all that said - it would be really nice to just have collision type insurance - catastrophic insurance. If you run into something medical that will cost more than say $10K. the insurance pays it.. done.. anything less... suck it up, life's not cheap!
The American system isn't setup to handle that tho. Have you ever actually looked at a hospital bill? Good luck deciphering everything on that little piece of insanity.
I think that would dissipate over time though. People will just buy insurance from companies that make it easy to read. Right now no one cares unless the bill gets screwed up and then you notice, but if people had to deal with it all the time I don't think they would put up with it.
-
@johnhooks said:
@travisdh1 said:
@Dashrender said:
all that said - it would be really nice to just have collision type insurance - catastrophic insurance. If you run into something medical that will cost more than say $10K. the insurance pays it.. done.. anything less... suck it up, life's not cheap!
The American system isn't setup to handle that tho. Have you ever actually looked at a hospital bill? Good luck deciphering everything on that little piece of insanity.
I think that would dissipate over time though. People will just buy insurance from companies that make it easy to read. Right now no one cares unless the bill gets screwed up and then you notice, but if people had to deal with it all the time I don't think they would put up with it.
That's a lot of what's wrong with the current system. Nobody pays attention to what they pay for, so (mostly) hospitals are no better than highway robber barons.
-
@travisdh1 said:
@johnhooks said:
@travisdh1 said:
@Dashrender said:
all that said - it would be really nice to just have collision type insurance - catastrophic insurance. If you run into something medical that will cost more than say $10K. the insurance pays it.. done.. anything less... suck it up, life's not cheap!
The American system isn't setup to handle that tho. Have you ever actually looked at a hospital bill? Good luck deciphering everything on that little piece of insanity.
I think that would dissipate over time though. People will just buy insurance from companies that make it easy to read. Right now no one cares unless the bill gets screwed up and then you notice, but if people had to deal with it all the time I don't think they would put up with it.
That's a lot of what's wrong with the current system. Nobody pays attention to what they pay for, so (mostly) hospitals are no better than highway robber barons.
I think it's kind of designed that way. As long as you pay your premium every month why would you care? Kind of like how people don't pay attention to the taxes that are taken out because they employer has to deal with all of that. If you got all of the money from your paycheck and then had to physically pay the IRS yourself out of your pocket, I bet everyone's ideas of taxes would dramatically shift.
-
@johnhooks said:
@travisdh1 said:
@johnhooks said:
@travisdh1 said:
@Dashrender said:
all that said - it would be really nice to just have collision type insurance - catastrophic insurance. If you run into something medical that will cost more than say $10K. the insurance pays it.. done.. anything less... suck it up, life's not cheap!
The American system isn't setup to handle that tho. Have you ever actually looked at a hospital bill? Good luck deciphering everything on that little piece of insanity.
I think that would dissipate over time though. People will just buy insurance from companies that make it easy to read. Right now no one cares unless the bill gets screwed up and then you notice, but if people had to deal with it all the time I don't think they would put up with it.
That's a lot of what's wrong with the current system. Nobody pays attention to what they pay for, so (mostly) hospitals are no better than highway robber barons.
I think it's kind of designed that way. As long as you pay your premium every month why would you care? Kind of like how people don't pay attention to the taxes that are taken out because they employer has to deal with all of that. If you got all of the money from your paycheck and then had to physically pay the IRS yourself out of your pocket, I bet everyone's ideas of taxes would dramatically shift.
Please, don't get me started on that yet as well! 28% right off the top, grrr!
-
@travisdh1 said:
Please, don't get me started on that yet as well! 28% right off the top, grrr!
Might have to fork this thread ANOTHER time, then!
-
Already done. The Fax thread is now on it's own.
-
@Minion-Queen said:
Already done. The Fax thread is now on it's own.
Haha, no I meant if we start railing on taxes, too!
-
@BRRABill said:
@Minion-Queen said:
Already done. The Fax thread is now on it's own.
Haha, no I meant if we start railing on taxes, too!
Oh yeah start another thread for that one please.
-
@Minion-Queen said:
@BRRABill said:
@Minion-Queen said:
Already done. The Fax thread is now on it's own.
Haha, no I meant if we start railing on taxes, too!
Oh yeah start another thread for that one please.
You both just had to say something. Taxes are to high!
-
Insurance companies and lawsuits are what broke US healthcare. It's sad that you can go to anywhere else in the world and get surgery for a fraction of the price (usually 10% or less). The whole medical system is broken and Obamacare isn't going to fix shit.
I am not quite sure how socialism (Obamacare is a form of it) can even fix the system. Insurance companies have really screwed everyone.
-
I love health care in England
Everyone pays National Insurance & Taxes, everyone gets health care.
-
@Breffni-Potter said:
I love health care in England
Everyone pays National Insurance & Taxes, everyone gets health care.
I love healthcare in Japan for the same reason. I hate it here in the US.
-
Our current Government is trying to break up our health system though, they want to convert it to American style, pay to play but they are managing the current system into the ground so that their "new" alternative will look amazing to the masses.
-
@Breffni-Potter said:
Our current Government is trying to break up our health system though, they want to convert it to American style, pay to play but they are managing the current system into the ground so that their "new" alternative will look amazing to the masses.
Yup, a tried and true strategy.
-
@scottalanmiller said:
Yup, a tried and true strategy.
Public opinion thankfully, is with our current health system. People have gotten more suspicious of Gov cuddling up to big businesses and when most people have had their lives saved by this health system and the hard working, underpaid people behind it, they are very supportive.
Whether that is enough to stop this Gov steam-rolling it anyway, who knows.
-
@Breffni-Potter said:
@scottalanmiller said:
Yup, a tried and true strategy.
Public opinion thankfully, is with our current health system. People have gotten more suspicious of Gov cuddling up to big businesses and when most people have had their lives saved by this health system and the hard working, underpaid people behind it, they are very supportive.
Whether that is enough to stop this Gov steam-rolling it anyway, who knows.
With the Brexit looming... you guys are screwed.
