Author Topic: uhm my insurance cost more than obama tax penalty.  (Read 3342 times)

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kimba1

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uhm my insurance cost more than obama tax penalty.
« on: September 20, 2012, 10:01:21 PM »
http://news.yahoo.com/tax-penalty-hit-nearly-6m-uninsured-people-194442599.html


meaning it`s not much of an issue.

ever notice nobody is questioning why people don`t want insurance of any kind out of principle .

holy crap the ad here is about my job

Xavier_Onassis

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Re: uhm my insurance cost more than obama tax penalty.
« Reply #1 on: September 20, 2012, 10:51:40 PM »
You can pay the penalty and get diddley, or pay less, and be insured.

That makes perfect sense. The objective of the penalty is to see to it that everyone is covered.

If you drive without car insurance, it will cost you more than the insurance when they tow your car, jerk your license and fine you as well.
"Time flies like an arrow; fruit flies like a banana."

Plane

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Re: uhm my insurance cost more than obama tax penalty.
« Reply #2 on: September 20, 2012, 11:01:22 PM »
How much less?

Could someone with a lot of confidence in his health come out ahead by staying out of the system?

Could a company pay the penalty and using the diffrence get a better package of insurance?

kimba1

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Re: uhm my insurance cost more than obama tax penalty.
« Reply #3 on: September 21, 2012, 01:55:54 AM »
actually my insurance is pretty limited and very much doubt the government system would be worst. it`s a probation package which increases in coverage after 6 months. I really don`t mind losing this job .

kimba1

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Re: uhm my insurance cost more than obama tax penalty.
« Reply #4 on: September 21, 2012, 07:20:15 AM »
I tried getting insurance on my own and found none to be affordable  to the point i can allow a doctor to give me test that he wants to give me. People don't understand $400 a month insurance does not equal full coverage. People like me will never get coverage like that except from a job

Plane

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Re: uhm my insurance cost more than obama tax penalty.
« Reply #5 on: September 21, 2012, 10:10:17 PM »
As a Federal employee I am used to a pretty good deal.

We are a large group and our employer has clout in the negotiation.

I used our Union insurance for a while , then Blue Cross.

The insurance is one of our best benefits.

Xavier_Onassis

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Re: uhm my insurance cost more than obama tax penalty.
« Reply #6 on: September 21, 2012, 10:47:46 PM »
My current Medicare Advantage Plan is vastly better than the many policies I had with the college where I worked. Every 3 years they would get a new insurer, the cost to me would go UP and the benefits would go DOWN. The Human Resources clowns recommended their insurance over Medicare to those on the faculty over 65 and too many people believed them, and that would raise the number of claims and the companies would refuse to renew at the same rates. The College liked to hire people who were retired from the public schools and were already getting a pension.

Every time we changed companies, a lot of people, including me, had claims denied. The usual cause was that the S number was entered incorrectly. I print V E R Y  C A R E F U L L Y always, but they still got it wrong and denied a cople of Dr's visits. I know some people actually paid the bill. As you know, once you pay an incorrect bill, you will never see your money again, even if the company gets paid twice.


I compared the benefits when I turned 65 and simply cancelled the college insurance. I told everyione else to do the same and know that at least a couple did this. The HR pe
"Time flies like an arrow; fruit flies like a banana."

kimba1

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Re: uhm my insurance cost more than obama tax penalty.
« Reply #7 on: September 22, 2012, 05:06:08 AM »
I`ll find out in a few weeks how good mine is . I got a appoinment tomorrow and will find out if I only pay a copayment. I`m not using a doctor from thier website but a doctor that accepts aetna. the ones on the website are all out of the city.

if people don`t understansd the need for obamacare, then the solution is get people access to better insurance. saying they can do better themselves is no solution at all.
« Last Edit: September 22, 2012, 02:10:06 PM by kimba1 »

Plane

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Re: uhm my insurance cost more than obama tax penalty.
« Reply #8 on: September 22, 2012, 09:16:54 PM »
Even President Obama does not know if Obamacare is an improvement.


I suspect it is not, as far as I know , no part of it will increase the number of doctors nor increase their availible time.

If they remain in the same supply and the demand does not decrease , how shall we have their services for less money?

Does Obamacare also repeal the law of supply and demand?

kimba1

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Re: uhm my insurance cost more than obama tax penalty.
« Reply #9 on: September 23, 2012, 03:53:56 AM »
to me this is all a deflection about the cost of healthcare. we all all talk about the personal cost but I don`t hear about the actually cost of the medical bill.
ex. most american couples cannot financially afford to have a baby if it wasn`t for insurance. nobody is asking why is  the cost of delivery more than a $1000.00?

the attention is not going to the right places in the medical & insurance industry

Plane

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Re: uhm my insurance cost more than obama tax penalty.
« Reply #10 on: September 23, 2012, 10:18:38 AM »
  We all want Doctors.

  We don't settle for midwives.

Xavier_Onassis

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Re: uhm my insurance cost more than obama tax penalty.
« Reply #11 on: September 23, 2012, 03:47:25 PM »
I do not know that we all want doctors. We can't have midwives because the hospital will not allow them to practice there. This is because that insurance companies will not sell the hospital malpractice insurance if it admits doctors.

It makes very good sense to replace doctors with midwives and nurse practitioners for many infirmities.

The American medical system is like this: We only have Rolls Royces. If you refuse to ride in our expensive Rolls Royce, there is only one option: you must walk. We will not consider a Chevrolet, Ford or Toyota.
"Time flies like an arrow; fruit flies like a banana."

kimba1

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Re: uhm my insurance cost more than obama tax penalty.
« Reply #12 on: September 24, 2012, 05:48:02 AM »
I very much doubt the doctor is the sole reason for such a high cost. Remember that doctor has other patience so the he's not even giving full attention but is charging like he is

Xavier_Onassis

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Re: uhm my insurance cost more than obama tax penalty.
« Reply #13 on: September 24, 2012, 03:36:06 PM »
The doctor is not the reason for the high cost, at least most of the time, though by international standards, doctors, specialists in particular ARE overpaid. Medical malpractice insurance, medical equipment and companies that finance it, and medical supplies are all overpriced. When you go to a hospital, everything is overpriced. They can charge $10 for one aspirin.

And of course, drugs are overpriced and sold in such a way as to make competition based on price very difficult.

There is NO REASON why I should have to have a prescription for a fungal creme. There is NO REASON why I should have to pay $35 for half an ounce of it, either.
"Time flies like an arrow; fruit flies like a banana."

kimba1

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Re: uhm my insurance cost more than obama tax penalty.
« Reply #14 on: September 25, 2012, 10:29:02 AM »
Fungal creme?
I once tried to go to a dermatologist but my insurance require me to 1st go my primary to refer me to one. Meaning more out of pocket for me and one extra visit . More money for insurance. Also thiers very little difference in strength in fungal creme from the over the counter to prescription. If it's really bad you get the oral sruff that can mess with your kidney.