yeah, insurance is easy to get.....

Pepe Silvia
Pepe Silvia Posts: 3,758
edited January 2010 in A Moving Train
talking to my roommate today, her employer doesn't offer it so she tried to get it from blue cross & blue shield....she said the only she checked yes to was that she has an inhaler, she has had asthma since she was a kid. because of this preexisting condition the lowest monthly premium they will offer her is $427!!
don't compete; coexist

what are you but my reflection? who am i to judge or strike you down?

"I will promise you this, that if we have not gotten our troops out by the time I am president, it is the first thing I will do. I will get our troops home. We will bring an end to this war. You can take that to the bank." - Barack Obama

when you told me 'if you can't beat 'em, join 'em'
i was thinkin 'death before dishonor'
Post edited by Unknown User on
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Comments

  • gimmesometruth27
    gimmesometruth27 St. Fuckin Louis Posts: 24,464
    Pepe Silvia wrote:
    talking to my roommate today, her employer doesn't offer it so she tried to get it from blue cross & blue shield....she said the only she checked yes to was that she has an inhaler, she has had asthma since she was a kid. because of this preexisting condition the lowest monthly premium they will offer her is $427!!

    welcome to the american healthcare system.. :evil:
    "You can tell the greatness of a man by what makes him angry."  - Lincoln

    "Well, you tell him that I don't talk to suckas."
  • Commy
    Commy Posts: 4,984
    tha'ts fucked.


    when we're spending 2 trillion on war something is not right.
  • _
    _ Posts: 6,657
    If she can't afford $427/month, she's obviously lazy and irresponsible!! :roll:
  • Joerock
    Joerock Posts: 129
    scb wrote:
    If she can't afford $427/month, she's obviously lazy and irresponsible!! :roll:

    I lold.

    but seriously. that sucks :(
    2006 - Washington D.C.
    2010 - Bristow, VA
    2013 - Charlottesville, VA
  • g under p
    g under p Surfing The far side of THE Sombrero Galaxy Posts: 18,237
    Pepe Silvia wrote:
    talking to my roommate today, her employer doesn't offer it so she tried to get it from blue cross & blue shield....she said the only she checked yes to was that she has an inhaler, she has had asthma since she was a kid. because of this preexisting condition the lowest monthly premium they will offer her is $427!!
    I gather from this the only person that is attractive to an health insurance company is the young, healthy, no pre-existing conditions and of course a job that's NOT hazardous in any way. Then you MIGHT be able to afford the monthly cost but you can bet they'll try and find some way to not cover any high costing procedure. I know the same happened to me 7 years ago, only it was $330 a month back then.

    Peace
    *We CAN bomb the World to pieces, but we CAN'T bomb it into PEACE*...Michael Franti

    *MUSIC IS the expression of EMOTION.....and that POLITICS IS merely the DECOY of PERCEPTION*
    .....song_Music & Politics....Michael Franti

    *The scientists of today think deeply instead of clearly. One must be sane to think clearly, but one can think deeply and be quite INSANE*....Nikola Tesla(a man who shaped our world of electricity with his futuristic inventions)


  • decides2dream
    decides2dream Posts: 14,977
    scb wrote:
    If she can't afford $427/month, she's obviously lazy and irresponsible!! :roll:



    :mrgreen:


    yea, but, but, but.....she CAN.....GET it.
    just b/c she CAN'T AFFORD it. well that's on her, right? the system is fine, it's just 99.8% of it's users are apparently fucked up. ;)

    i hate this shit.
    Stay with me...
    Let's just breathe...


    I am myself like you somehow


  • scout622
    scout622 Posts: 3
    I feel for your friend. My husband and I are self-employed and for a family of four we pay over $1000.00 a month for the shittiest insurance ever. We never go to the doctor because our health insurance company doesn't pay dick on the visit anyway. Gotta have it for catastrophic emergencies though. We do have good auto and home insurance. I told my husband if one of us gets sick we need to get in our cars and crash them into our house. I'm sure they would turn us down for a "pre-existing condition". Fuckers!!!
  • whatsgoingon
    whatsgoingon Posts: 62
    word I got laid off from citigroup cause they sent my job to India..right now I am on Cobra and because of Obama its only 340 a month but in 3 more moths it goes up to like a 1000 a month for me and my wife and we still each have a 500 deductible before they cover anything. I would love to get my own insurance but because I have a pre-existing condition I get denied. So If I don't get a real job soon I am going to have to figure out some shady business to fool the insurance companies into covering me. So yeah I support changing the health care system.
  • redrock
    redrock Posts: 18,341
    And there are still an incredible number of Americans that poo-poo National Health (or whatever you want to call it in your country). Reading these posts (and having lived in the US), I just don't understand it.
  • blackredyellow
    blackredyellow Posts: 5,889
    redrock wrote:
    And there are still an incredible number of Americans that poo-poo National Health (or whatever you want to call it in your country). Reading these posts (and having lived in the US), I just don't understand it.

    There still are some.... and all of those poo-pooing it have decent jobs and relatively inexpensive health care.

    It'ss just never going to happen in this country... there are just too many groups so entrenched in our current system, and too many people who make so much money off of it to change anything.
    My whole life
    was like a picture
    of a sunny day
    “We can complain because rose bushes have thorns, or rejoice because thorn bushes have roses.”
    ― Abraham Lincoln
  • Jeanwah
    Jeanwah Posts: 6,363
    blackredyellow wrote:
    redrock wrote:
    And there are still an incredible number of Americans that poo-poo National Health (or whatever you want to call it in your country). Reading these posts (and having lived in the US), I just don't understand it.

    There still are some.... and all of those poo-pooing it have decent jobs and relatively inexpensive health care.

    It'ss just never going to happen in this country... there are just too many groups so entrenched in our current system, and too many people who make so much money off of it to change anything.

    It's truly a shock and shame that the public option has been denied. We're in for quite a future, living in the U.S.

    Pepe, I'm sorry about your roommate.
  • SPEEDY MCCREADY
    SPEEDY MCCREADY Posts: 26,949
    Somebody help me here.....

    Out of all the people who are full time workers in the good ole USA...

    How many of them are offered some type of health insurance through their company???

    What is the percentage?? 50%?? 60%?? 70%??? 80%??

    What is the average cost (weekly, monthly) for healthcare for people who are getting insurance through their employer??

    single coverage? average cost??
    family coverage?? average cost??

    Thanks...I am too lazy to search this computer for answers....hehehehehe
    Take me piece by piece.....
    Till there aint nothing left worth taking away from me.....
  • kenny olav
    kenny olav Posts: 3,319
    I feel spoiled now because I only pay about $116 a month thru my employer... then again, my employer pays more than triple that amount in addition to what I pay, and if they weren't paying that, they could pay me more in salary.... and with universal insurance in place, maybe I'd pay just as much in taxes, but at least I'd have the same insurance no matter where I may work in the future, or if I'm laid off. It would also give me the freedom to change jobs without worrying about the effect on my health insurance.

    So I really don't understand why we don't have universal insurance... there's no perfect system for it but every other country has worked it out, so why can't we? That plus the war are what piss me off the most when it comes to our politics.
  • phillypjhead
    phillypjhead Posts: 123
    "There still are some.... and all of those poo-pooing it have decent jobs and relatively inexpensive health care."

    I am unemployed with no health insurance, and I am opposed (or poo-pooing if you like) to the plan being debated in DC. So I guess I would disagree with your statement. I would much rather continue on without insurance than be stuck in a government plan.
  • redrock
    redrock Posts: 18,341
    porchmonkey77 wrote:
    I am unemployed with no health insurance, and I am opposed (or poo-pooing if you like) to the plan being debated in DC. So I guess I would disagree with your statement. I would much rather continue on without insurance than be stuck in a government plan.

    Can I ask you why?

    What would you do if something really bad hit you? For example, a little while back, my husband had a very severe stroke, 7 months in hospital and neuro-rehab (a couple of months were in intensive care), then home with an Occupational Therapist, Speech & Language therapist and physiotherapist sorting him out (this for about a year). I have not paid a penny for this and have not had to worry about the best care my husband could get. He also gets more than enough money to be able to pay for a full time carer and others who can help with him regaining his skills or just help with what he used to do (eg a handyman, a gardener, etc.). He worked when he had his stroke (and I work), but it would have had the same if he didn't as we don't have private insurance.

    As you stand now, what would happen to you if this happened? Would your family be trying to find funds to pay for your surgery, your time in intensive care and normal care. Would you get 3 months of neuro-rehab so you can function again? I know you won't because it happened to someone I know in the US. It's tough for him and his family. And he worked and had insurance... but the fine print of these insurances are what one needs to look at.

    National Health is far from perfect, but when you don't have to worry if you have enough money to see a doctor, a specialist. Not to worry about physio, etc. if you have a broken bone, etc. it is a real relief.
  • phillypjhead
    phillypjhead Posts: 123
    Why? Because I would never expect my neighbors to pay for my health care. It's not their responsibility. When I find a job, I will purchase my own health insurance, but until then this is MY problem and not my neighbors and certainly not the government. I've read a lot about the system in England and quite frankly that is WAY more frightening than not having insurance at all. Hitler was a socialist, I am not.
  • redrock
    redrock Posts: 18,341
    edited January 2010
    porchmonkey77 wrote:
    Hitler was a socialist, I am not.

    ummmm...... OK. :? Though you might want to check out your history again. Whilst the Nazi party wanted to develop the idea of socialism, their policies had absolutely nothing to do with them. Yes, there is the word socialism but hey... just brush up on Hitler and you'll understand.

    You do realise that National health is paid for via taxes. So really, your neighbour is not paying. And you've read all about the NHS in the UK and think it's more frightening to be able to get the care that my husband got/has than not having insurance and therefore being either dead or in a vegetative state. Ummmmmm..... OK :?

    I hope you don't get sick or have an accident or a medical emergency until you can afford to buy insurance. Oh, and of course your insurance needs to cover all of your needs (a lot of employees are under-insured), that you don't have any pre-existing conditions (ie. if you have a pre-existing 'condition' of high blood pressure maybe if you have a stroke you won't be covered!).

    I lived in countries without national health and some with - I'll take 'with' any time.

    Does this 'your neighbour not paying' extend to any benefit such as unemployment, etc?
    Post edited by redrock on
  • keeponrockin
    keeponrockin Posts: 7,446
    I just don't get the logic. I don't mind paying more taxes as a Canadian, because I know if my NEIGHBOUR gets sick, he's covered. He won't lose his house, his kid can still go to school, etc... I guess I don't understand how this can be seen as a bad thing.
    Believe me, when I was growin up, I thought the worst thing you could turn out to be was normal, So I say freaks in the most complementary way. Here's a song by a fellow freak - E.V
  • brandon10
    brandon10 Posts: 1,114
    porchmonkey77 wrote:
    Why? Because I would never expect my neighbors to pay for my health care. It's not their responsibility. When I find a job, I will purchase my own health insurance, but until then this is MY problem and not my neighbors and certainly not the government. I've read a lot about the system in England and quite frankly that is WAY more frightening than not having insurance at all. Hitler was a socialist, I am not.

    So you would rather pay 100s of dollars a month to insurance to cover your heath care than pay half(or less) of that to taxes to cover the actual cost. YOU would actaully like to give your money away to a middle man who is raping you of your money???? Sounds brilliant

    I can't fathom why so many Americans think insurance companies are a good idea??? You have bought into the bullshit media job these money grabbers have been sending you for years. Quit being so gullible.

    And you are socialist, you just don't know it.
  • phillypjhead
    phillypjhead Posts: 123
    "You do realise that National health is paid for via taxes. So really, your neighbour is not paying. And you've read all about the NHS in the UK and think it's more frightening to be able to get the care that my husband got/has than not having insurance and therefore not being either dead or in a vegetative state. Ummmmmm..... OK :?"

    How do you figure? If my neighbor is not paying, then who is? My neighbors pay taxes, so therefore they are paying. There seems to be a mindset amongst liberals that our money really belongs to the government, and that we should be happy with what they "allow" us to keep. Taxes are paid by people. That is how the government gets their money. I don't know how anyone could be confused by such a simple concept.

    "I hope you don't get sick or have an accident or a medical emergency until you can afford to buy insurance. Oh, and of course your insurance needs to cover all of your needs (a lot of employees are under-insured), that you don't have any pre-existing conditions (ie. if you have a pre-existing 'condition' of high blood pressure maybe if you have a stroke you won't be covered!)."

    Would you expect a car insurance company to insure a car you just wrecked? People with pre-existing conditions SHOULD pay more for their insurance. If I had a bunch of tickets or accidents or DUI's, my auto insurance would be more expensive. If I was a professional skydiving instructor, my life insurance would be more expensive.

    "Does this 'your neighbour not paying' extend to any benefit such as unemployment, etc?" Yes it does. I do not receive unemployment. I do not believe that the government should be playing Robin Hood.

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