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Norton
climber
The Wastelands
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This isn’t going to go smoothly, is it? Whose idea was this, anyway?
the Individual Mandate?
why, that would be a very conservative idea, from the Heritage Foundation of course
everyone should have healthcare or pay a penalty, no freeloaders
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Fritz
Social climber
Choss Creek, ID
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SLR! I feel for you & others who have huge health insurance premiums.
Heidi & I have long had Blue Cross of Idaho health insurance. Our policies have a yearly deductable of $5,000.00, & after that, Blue Cross pays 100% for every legit medical expense. We long ago decided a $5,000.00 medical bill would not ruin us, hence the high-deductable policy.
She goes on Medicare very soon & I've enjoyed Medicare for several years, but she is currently paying Blue Cross of Idaho $553.05 monthly. I suggest you consider other health insurance options, than your current policy.
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zBrown
Ice climber
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Geez SLR
I was in your boat at one point
But I was complaining about what I recall as being $750/month
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zBrown
Ice climber
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While we are here
Check out the
ASCVD (Atherosclerotic Cardiovascular Disease) Risk Algorithm including Known ASCVD from AHA/ACC which Determines 10-year risk of heart disease or stroke and provides statin recommendations.
If you are 72 years of age there is no way that statins are not recommended to get to the 7.5% acceptable ten year risk
Who developed it?
Just guessing here, but could it have been sponsored by the drug manufacturers
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apogee
climber
Technically expert, safe belayer, can lead if easy
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Actually, Norton, I was referring to Trump’s decision to support that Texas court decision that the ACA is unconstitutional, and the entire thing should be ditched.
Most every legal mind says it will fail in the SC (or before)- even Republican AG’s in Ohio and Montana know it’s a fool’s errand.
Trump is clearly doing this to satisfy his base- even if it loses in the SC, he wins their opinion.
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zBrown
Ice climber
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It is also failing with repubs in Congress
Big time
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Hoser
climber
Vancouver,Rome
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@Yury,
Also I had a perception that citizenship was not a requirement for this "free" healthcare.
Being a legal resident is required for enrollment into provincial plans.
Some provinces yes, like BC, others simply require you to file taxes and collect your medical fees from there...regardless of where you live.
My main point is that Americans often do not understand the difference between quality of health care in Canada and in the US.
IF you have money, from my experiences with US and CAN healthcare, the above statement is only true if you can buy the best. Thats the fundamental point, everyone should be entitled to the best not just the richest.
You can't have something for nothing and free cheese is not universally available.
Although not free, that is the WHOLE point of universal insurance...one for all and all for one...
Also, similar to the US, free healthcare is provided even for illegal aliens in case of emergency.
We dont have free coverage for people with no insurance, we charge you every step of the way just like the USA. In Italy and potentially Europe, this is different. You do get free emergency services but they cease being free once you are an outpatient...which could be where the big charges come from.
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Sierra Ledge Rat
Mountain climber
Old and Broken Down in Appalachia
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The USA spends more TAX dollars per capita on healthcare than any other country in the First World, and we don't even get universal health care. I am talking 2 to 5 times as much tax dollars per capita.
This is because private industry has to get their blood money, it's the capitalistic way. Some insurance company CEO or pharmaceutical CEO makes $200 million per year profiting from your mother' suffering.
Congress is in the pockets of big business, and congress allows private corporations to charge exorbitant fees for their goods and services.
Some idiot is probably gonna whine that you have to allow corporations to have free reign or you stiffle jobs and innovation. We are way beyond that, pal. $950 for a urine test that has a cost basis of about five dollars? That's not jobs and innovation, that's excessive greed, pure and simple.
If we cut out the private corporations, we could cut costs, cut taxes AND have universal health care for all.
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rottingjohnny
Sport climber
Sands Motel , Las Vegas
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But what about the death panels ?
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EdwardT
Trad climber
Retired
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We have not met our annual deductible, so I received a bill from the lab for the full price of the routine urinalysis.
The bill: $950
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On another matter, I am self-employed and almost 60 years old. I have to buy my own health insurance. My only medical problem is knee arthritis, and I don't take any meds.
Guess my monthly premium.
Self employed
Almost 60 years old
And the cheapest health insurance that I can obtain is......
$3,700 per month, with a $15,000 annual dedictible.
Any one who says that our health care system is fine, I say "F*#k you."
P.S. Not an April Fool's joke. Just my personal nightmare.
Dayum SLR... you're getting fleeced.
I'm 59 and I buy my insurance through HealthCare.gov.
Office visit - $35
With a battery of blood and urine tests, my annual costs another $80.
My deductible is $5000
My premiums are $350/month.
I've had 4 back surgeries in the last 13 years. The last was in Jan. '18.
You pay $3700/mo? Really?
Edit - I just got a quote for the best BCBS policy in the area.
$5 co-pay
$2500 ded.
$1117/mo. premium (with zero government rebate)
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WyoRockMan
climber
Grizzlyville, WY
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And the cheapest health insurance that I can obtain is......
$3,700 per month, with a $15,000 annual dedictible.
Any one who says that our health care system is fine, I say "F*#k you."
I'll quit my bitching. $2,715.65 per month, $9k deductible.
Any one who says that our health care system is fine, I say "F*#k you."
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EdwardT
Trad climber
Retired
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That's an 8% profit margin.
What's an acceptable percentage?
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Sierra Ledge Rat
Mountain climber
Old and Broken Down in Appalachia
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EdwardT
I have tried a wide variety of agents and companies. I ended up getting my insurance through Obamacare, the cheapest BC/BS policy I could find.
I had a cheaper insurance ($2,400/month) but they denied EVERYTHING and it was a constant fight. When my knee was so bad that I couldn't walk, they denied all care, said it was all "elective." Then they denied referral to a local orthopedist. The insurance company insisted that I go to a "preferred" orthopedist 300 miles away.
So I switched to BC/BS.
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capseeboy
Social climber
portland, oregon
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Geeze SLR you sound like your getting hosed. Like some catch-22 shite.
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apogee
climber
Technically expert, safe belayer, can lead if easy
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Trump punts health care until after 2020
Just last week the president had seemed to go all in on a new effort to wipe out Obamacare.
By QUINT FORGEY and JOHN BRESNAHAN 04/01/2019 11:00 PM EDT Updated 04/02/2019 12:36 AM EDT
https://www.politico.com/story/2019/04/01/trump-health-care-reform-1247632
President Donald Trump signaled Monday that congressional Republicans would wait until after the 2020 elections to vote on a GOP replacement for Obamacare — putting off a presumably savage legislative battle on a hot-button campaign issue until after his re-election bid.
“Everybody agrees that ObamaCare doesn’t work. Premiums & deductibles are far too high - Really bad HealthCare! Even the Dems want to replace it, but with Medicare for all, which would cause 180 million Americans to lose their beloved private health insurance,” the president tweeted.
Aww...that's a shame. I was really looking forward to watching the blood fly on this one.
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EdwardT
Trad climber
Retired
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I have tried a wide variety of agents and companies. I ended up getting my insurance through Obamacare, the cheapest BC/BS policy I could find.
That's just wrong. Not how the system is supposed to work (as it's currently set up). Bummer.
Maybe you should move to Canada or France until you turn 65.
Maybe Trump's efforts to undo the ACA will be his undoing in 2020.
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“Everybody agrees that ObamaCare doesn’t work. Premiums & deductibles are far too high - Really bad HealthCare! Even the Dems want to replace it, but with Medicare for all, which would cause 180 million Americans to lose their beloved private health insurance,” the president tweeted.
Medicare for all, with supplemental private insurance for those who want it. I believe this is similar to France's system.
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apogee
climber
Technically expert, safe belayer, can lead if easy
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"Medicare for all, with supplemental private insurance for those who want it."
+1!
This seems like such a logical solution. I'm sure the greatest resistance is coming from the insurance industry, via our politicians.
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mouse from merced
Trad climber
The finger of fate, my friends, is fickle.
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Just got notified today (late) by the county HSA that my Medicare SLMB benefits have been terminated, only a few months after they were granted.
Reason: The income level where I sit, lording it over all I see, is $1,070.50 with my teamster pension and Social Security benefits, while the feds just made the max allowable to qualify $1,061.00.
That's a difference of $8.50/month.
F*#ked twice in the same ass in the same year by the same feds.
I wish they'd settle on SOMETHING A LITTLE MORE FAIR, GODDAMIT!
I MAY hear back from the HSA in 24 hrs or less, but they will call once and expect me to play phone tag.
"SERVICES" is hardly a misnomer since I'm being f*#ked so much.
edit: I was going to try to re-enroll in the SNAP, too, but they probably have the same Trumpian guidelines.
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apogee
climber
Technically expert, safe belayer, can lead if easy
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Yeah, Covered California works very similarly- if your income hits a certain threshold, all subsidies are cut- and if you were receiving those subsidies last year, and your end of year income exceeded the threshold, you wind up owing the Fed for the subsidies you received. Therefore, you have to be verrrry careful about monitoring your income, and report it to Cov Cal immediately.
Sure, that seems like a not unreasonable expectation if you are receiving those kinds of subsidies, but it's all in the context of this f*#ked up healthcare system that we have. This kind of band-aid approach is precisely due to the fact that our system is insurance-industry driven, and the political solution that was implemented only tries to work within this.
It's time to shake it up completely.
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