Well its official
- Thread starter Traumahawk
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Bill Seward
Well-Known Member
God help you if your company uses United Healthcare as the insurance company....
Cenveo - the band of assholes and thieves I work for does, and they are a bleedin' nightmare....
Cenveo - the band of assholes and thieves I work for does, and they are a bleedin' nightmare....
Rusty McNeil
Well-Known Member
Those "substandard"plans do exactly what they advertise.
They are catastrophic plans with high deductibles, lifetime limits that are within reason, and they won't pay to fix your runny nose or skinned up knee.
This is based on what the guys I know that carried them told me. So yes third hand info.
If someone. Wanted to e able to carry a plan like that they should be allowed.
What's next?
Is myy car is too shitty I have to buy a better one??
They are catastrophic plans with high deductibles, lifetime limits that are within reason, and they won't pay to fix your runny nose or skinned up knee.
This is based on what the guys I know that carried them told me. So yes third hand info.
If someone. Wanted to e able to carry a plan like that they should be allowed.
What's next?
Is myy car is too shitty I have to buy a better one??
Traumahawk
Well-Known Member
Or perhaps your Vmax makes too much horsepower...therefore its a danger to you, and you shouldnt have it...
"A government big enough to give you everything you want, is a government big enough to take away everything that you have." ~Gerald Ford~
Rusty McNeil
Well-Known Member
I didn't think of this before;
The comment of
"Your not comparing apples to apples here"
Absolutely true!
But off point!
The point is your forcing someone to buy apples that would prefer the orange
I'm no tin foil hat wearing anti government weirdo but Obama care is socialism pure and simple.
And I can't stand socialism or idiots that think the economy is a zero sum game whereby anyone who has gained something means someone else lost out by that persons gain.
That fuck head in the white house wants every one to have a piece of the pie.
Our good presidents worked on making a bigger pie.
The comment of
"Your not comparing apples to apples here"
Absolutely true!
But off point!
The point is your forcing someone to buy apples that would prefer the orange
I'm no tin foil hat wearing anti government weirdo but Obama care is socialism pure and simple.
And I can't stand socialism or idiots that think the economy is a zero sum game whereby anyone who has gained something means someone else lost out by that persons gain.
That fuck head in the white house wants every one to have a piece of the pie.
Our good presidents worked on making a bigger pie.
98Redlne
Well-Known Member
^ This
That in itself wouldn't be a problem, hell I want everyone to have a piece of the pie but before you get a piece you damn well need to contribute to making that pie.
That in itself wouldn't be a problem, hell I want everyone to have a piece of the pie but before you get a piece you damn well need to contribute to making that pie.
poppop
Well-Known Member
Wish we could back up 25 or 30 years,Thing seemed so much better then.Now I hear about so many good getting hurt,Hard working honest,We got cresent.Lost eye covrage still went up 50 every two weeks.Right now were lucky.Getting a shitload of paperwork every other week,Feel like a duck in a shooting gallery!Sounds like there gonna tell us what we get,Confused as hell!
ZackDaniels
Well-Known Member
Short answer: Yeah it's pretty cheap for any plan with dependents. I worked for a broker that used to do the same thing. Sell two plans as one with ultimate coverage around the out of pocket expenses and extending coverage limits into the millions. It only worked well because of the plans selected, and being sure they covered the other's shortcomings. Bundling plans like that ended up much cheaper than a single plan.
If it's just catastrophic then it might get hard to get within the coverage scope without actually being comatose.
Read the fine print on those plans too, most of them exclude fairly common reasons for needing them. Things such as infections that get out of control, or being intoxicated at the time the accident occurred will exclude coverage, even if the accident had nothing to do with your intoxication.
The other downside to that approach as the nightmare of getting either plan to actually cover what they were supposed to. They saw something coded wrong, or saw a different insurance plan was available, or didn't get the claim because the patient gave the wrong card, or the billing office submitted to the wrong insurance, or, or, or.
Even when all that goes right, it can be hard to try and get them to accept that they need to cover it. Such as that poor guy dealing with United Healthcare right now. A good broker will run that gauntlet for you, but it's no easy task even for those that live it every day.
In short, the whole industry is a shit show, and it's not getting any better or cheaper on it's own.
ZackDaniels
Well-Known Member
The problem is when their orange doesn't cover the apples they need care for they end up not paying for the apples they get anyway. Which raises for those already paying for the apples year after year with no end in sight. It's not even very predictable because it's hard to say how much unpaid for care will need to be recouped every year.
There's a market wide effect on everybody regardless. The option is to let it continue uncontrolled or try to control it.
BigIke
Well-Known Member
Cork Soccers are stealing 160 a pay check from me in Medicare Surcharge Tax... Haven't seen anything on heathcare, but i will not be joining the "Marketplace". Told someone online today while trying to see how much more they would be stealing, when she couldn't answer me i told her that i'll see her and her friends at the revolution and that they will lose...
Ayn Rand said it best, no man is deserved a penny of another mans effort. I hate these people with all my heart and wish the worst for them all.
Ayn Rand said it best, no man is deserved a penny of another mans effort. I hate these people with all my heart and wish the worst for them all.
forestdaledave
Well-Known Member
Ayn Rand who collected government checks when she could. Careful who you quote, they have skeletons in the closets.
Before I retired a few years back I saw my medical insurance costs go up every year. The company kept changing plans trying to save their money and the coverage was always less. Rising medical costs is not new nor has it to do with the Affordable Care Act.
Forestdale Dave
tothemax93
Well-Known Member
Wrong answer Dave. Letter from my ins. co specifically stated my insurance was going up in cost significantly because of the Affordable care act. :bang head::damn angry:
And thats my "union" insurance co. not just a fly by night.
Redbone
Well-Known Member
Which industry are you referring to? The government industry? I really fail to see the logic that a government run program is going work, their track record of running anything is a history of cost overruns, fraud, industry influence and lack of expertise. Look at how the AFFORDABLE care act's website rollout has gone, it appears that no one in charge has control of it's progress and all they can do is apologize and throw a bunch more money at it. To me it seems that if a government is to control the societies equality it has to lead to socialism, one part government legislation and one part government police enforcement.
I would like to see the actuarial tables for the government, the activities that will surely affect the rates upwards. Also, without a influx of new doctors to cover the mass of people requiring service the medical field could/ will be overwhelmed while the level of service that we enjoy today in the future it will be less available and delivered at a lower standard.
+1, the freedom of choice is being removed with this regardless of the what the "salesmen" have to say. If you don't fall in line to get the more expensive government "affordable" care you are sent to the gulag of ever increasing fines. I'm sure the buildup of Government law enforcement agencies are nothing to be worried about.... move along, stay in line, eyes forward, the government will provide!
forestdaledave
Well-Known Member
Send that letter back and tell them they are liars. That is the latest excuse.
http://business.time.com/2009/09/16/health-insurance-premiums-up-131-in-last-ten-years/
Health insurance has been going up for a long time. Private insurance companies are not your friend.
forestdaledave
Redbone
Well-Known Member
So our "friend" the government, now the middleman, is delivering insurance to everyone, and the cost is going up. I submit that the government is not your friend either!
Traumahawk
Well-Known Member
My insurance hasnt gone up for the last 4 years....until now.
Rusty McNeil
Well-Known Member
My insurance hasn't gone up more than 2-3% a year in the last 5-6 years. Paying about $200 for an excellent medical, dental and vision 80/20 plan with reasonable deductibles, copays yearly max out if pocket and no lifetime limit.
Company I work for is self insured. We just pay blue cross a management fee. All payments come out of company funds.
Company I work for is self insured. We just pay blue cross a management fee. All payments come out of company funds.
tothemax93
Well-Known Member
