Health Insurance

[Wildsky]

We were told it would go up $10.00 a check which is about $260.00 for the year. I can handle $10 since our insurance is very reasonable. I'm not in to doing all those tests and it certainly isn't any of there business how much I weigh or how much I exercise.

The whole opening for these companies to do that was/is the whole campaign against smokers - if folks had stepped up back then they couldn't pick on anyone else either.
No doubt they'll charge you more based on how overweight a person is, etc..

Soon they'll want your credit card statements to see if you eat at McDonalds, and they'll want your grocery slips to see what kinda food you're buying.

They're JERKS.

 

[FarmerChick]

oh I know they say "smokers" but I am sure the wording in the policies are "nicotine users" no matter how that nicotine gets in the system, if it is there, then yup you are a user lol

ok I gotta find out withdrawl time for nicotine out of the system lol

 

[Wifezilla]

When we got blood tests for our new life insurance policy it said any and all tobacco products would result in a higher rate.

 

[Dunkopf]

We just got our new rate structure for next year. Our premium went from 500.00 a month to 504.00 a month. That's the family plan. 500.00 deductible per person up to a max of 1500.00 for family. 10% copay up to 1000.00 per person max 3000.00 per family. Bunch of new benefits due to the health care reform.

They now have catastrophic insurance available too. family plan is 341.00 a month with 5000.00 deductible max 15,000 per family. copay of 10,000 max 30,000 per family. Can't quite figure out why anyone would go that route though.

To each his own. If all employers offered coverage like that, people would be a lot healthier.

 

[Wifezilla]

No they wouldn't. Most cases of disease today are diet and lifestyle related. Then the doctors recommend things that make you sicker or dependent on expensive prescriptions.

If you really want people healthy, eliminate insurance all together. Insurance IS NOT care.

 

[Wildsky]

We just got our new rate structure for next year. Our premium went from 500.00 a month to 504.00 a month. That's the family plan. 500.00 deductible per person up to a max of 1500.00 for family. 10% copay up to 1000.00 per person max 3000.00 per family. Bunch of new benefits due to the health care reform.

They now have catastrophic insurance available too. family plan is 341.00 a month with 5000.00 deductible max 15,000 per family. copay of 10,000 max 30,000 per family. Can't quite figure out why anyone would go that route though.

To each his own. If all employers offered coverage like that, people would be a lot healthier.

I couldn't IMAGINE paying over 6 thousand dollars a year and never going to the doctor for anything................ what a waste of money!

I also don't agree with your last statement, doctors generally don't make people "healthier".

 

[bjmstahl]

When I was a girl (which was about 50 years ago) my dad purchased Hospitalization insurance which did exactly what it said. He had his own business so he had to purchase this himself. I never heard him talk about how expensive it was. We also paid our own doctor bill and dentist and eye doctor. I think part of the problem is having insurance pay for everything, doctor visit, medication, tests. I think wifezilla is right, all the doctor does is give you pills which doesn't fix the problem just the symptoms. This is not to say that some people don't have something wrong with them beside their lifestyle but if people weren't running to the doctor for everything I feel the price of medical care would decrease.

 

[Dunkopf]

We just got our new rate structure for next year. Our premium went from 500.00 a month to 504.00 a month. That's the family plan. 500.00 deductible per person up to a max of 1500.00 for family. 10% copay up to 1000.00 per person max 3000.00 per family. Bunch of new benefits due to the health care reform.

They now have catastrophic insurance available too. family plan is 341.00 a month with 5000.00 deductible max 15,000 per family. copay of 10,000 max 30,000 per family. Can't quite figure out why anyone would go that route though.

To each his own. If all employers offered coverage like that, people would be a lot healthier.

I couldn't IMAGINE paying over 6 thousand dollars a year and never going to the doctor for anything................ what a waste of money!

I also don't agree with your last statement, doctors generally don't make people "healthier".

Live and learn. Anyone over the age of 40 with 5 kids and a wife that doesn't have health insurance is foolish. The exception of course is if you just flat out can't afford it. Doctors do make sick people healthier. Sounds like you are young and healthy. If you are single the rate is 250.00 a month. Sounds like you don't get insurance as a benefit.

 

[FarmerChick]

I am right near 50 and have a 5 year old
there is no way I would choose not to have insurance
I will always do what I have to do to have coverage of some kind

doctors do make people healthier

It is the patient that fails to create health before they have some bad problems from diet and lifestyle.....don't be putting the "blame" on the medical profession. Most people know that diet and lifestyle choices are culprits, they are just too lazy to change them. How many times does a doctor say to a patient, lose weight, stop this and that, and that patient does not? MANY millions of times!

 

[FarmerChick]

No they wouldn't. Most cases of disease today are diet and lifestyle related. Then the doctors recommend things that make you sicker or dependent on expensive prescriptions.

If you really want people healthy, eliminate insurance all together. Insurance IS NOT care.

this is a big 2 way street

example is patient with bad knees...needs pain relief type pills

first thing Dr. says is lose that weight and those knees will improve and I bet most times that fat old patient does not do it. So pills are a way to treat a symptom that a patient will not change.

of course not all medical problems are "just" diet and lifestyle related....but most drs. say lose that weight, stop that diet, do some stinking exercise, and patients go home and are not willing to change one iota of their lifestyle....so they go back to that Dr. for more pills.

Drs. aren't miracle workers in any means when it comes to changing peoples minds.....but they are miracle workers when they sedate you and do open heart surgery to fix those bad valves etc. and your life continues.