People in Canada who do not have at least 2 doses and show up at the hospital should pay their own bill…parents that show up with unvaccinated children but eligible to be vaccinated should also foot the healthcare cost..
Ask yourself: while Canadian children lose the social and academic benefits of in-person schooling this week, what unnecessary freedoms are you enjoying? A trip to the mall, dinner with friends, or perhaps a movie night out?
Ask yourself: while Canadian children lose the social and academic benefits of in-person schooling this week, what unnecessary freedoms are you enjoying? A trip to the mall, dinner with friends, or perhaps a movie night out?
What's your point? Should we not go out dinner because Canadian kids aren't in school?
st louis now has the highest number of new cases and highest number of hospitalizations since the pandemic began. the girl i am dating tested positive this morning. thankfully she is vaxxed, as am i. i have no symptoms, and cannot find a fucking test anywhere.
our governor and ag believe the pandemic is over though and is fighting our county executive and local government officials that are wanting to implement temporary restrictions again. these are small government republicans that are interfering with local municipalities, mind you.
There is nothing noble in being superior to your fellow man; true nobility is being superior to your former self.- Hemingway
Ask yourself: while Canadian children lose the social and academic benefits of in-person schooling this week, what unnecessary freedoms are you enjoying? A trip to the mall, dinner with friends, or perhaps a movie night out?
Besides only keeping track of “anti-lockdown” unvaccinated conservatives dying , this is my second favorite activity during this pandemic.
Per above. The democratic governor is requesting a proper count of hospitalizations for Covid versus people who just happen to be Covid positive but hospitalized for different reasons. You would think that is a silly question, but sadly it isn’t and we are not being provided with the correct numbers. I am sure they are still high, but the governor said in the article that AS MUCH as 50% of patients may have been hospitalized for non Covid reasons.
I can’t remember which thread but Fauci said something similar about children being hospitalized.
Crap like this is why people don’t trust the government and the media. This crap supports the far right argument that the government is playing up the virus and trying to control behavior…yada yada yada. We shouldn’t be having these issues about hospitalization numbers this far into the pandemic. It screams of an agenda to purposefully overstate the numbers.
Bump so this doesn’t get lost in all of the health care cost debate. I remember any time someone came on here and said that hospitals were coding deaths or patients as Covid when Covid wasn’t the issue that they were some far right conspiracy theorist. Here we are though two years into the pandemic and the Democrat governor is asking about the % of those hospitalized with Covid but not because of Covid and that the number may be as much as 50%.
50% of hospital use for covid is bad....
That wasn’t the question she was asking. What she was asking about is if 100 patients are hospitalized for Covid, how many of those are actually hospitalized because of Covid or because they happen to have Covid but are being treated for something completely different. The dem governor has heard it may be as much of 50% of the 100 that may be in the hospital but are not there because of Covid. That is an important number to know. 50% may still be high but when you give false or misleading info to the public then you deserve to be questioned on it. It is hard to debate conspiracy theorists when they point to stories like this one.
Yes saying that 100% of hospital occupants are there because of covid would likely be incorrect....but if 50% are there because of covid that is really bad. 30% is bad....even 25% would be alarming
It is an important number because we should be working with accurate information. 50%=bad
It begs the follow-up question... how many of the 800k people that have died from COVID actually died from COVID or from some other non-COVID issue? Is it 750k? Is it 600k? It is still a lot whatever it is but we should be acting on accurate information. Hospitalizations are basically the main driver of whether we shut our economy down or not. That is a big deal.
How is the governor of New York to decide vaccination requirements, event attendance limits, etc... when hospitalizations may be overstated by 50%? There is a push to trust everything from the government on this and I'm glad that a Democrat isn't blindly following the narrative. If those actually hospitalized due to COVID are closer to what we typically see with a bad flu season, then perhaps we don't take as extreme measures because we never did before. Regardless of the decisions, the public should be informed of the right data to judge the decisions made by the government.
I think that would be a very difficult number to provide accurately; I mean, so many people have a co morbidity; do you report people who are 100% otherwise healthy with covid only? because people who died as a result of covid who also had, say, cancer, may have actually survived the cancer, but being so vulnerable from the disease made them succumb to covid. does that get reported as a covid death, or cancer death? I'd say covid.
I absolutely do agree with you, though, that more accurate, trustworthy reporting should be out there. I recall for months and months that Manitoba Health was only reporting the number of people in ICU. Which was alarming to me, since it was nearing capacity. But then when they actually broke it out as Covid ICU and "regular" ICU, the number was cut 4-fold. That makes a difference to me.
Let’s see. I’ve done sweet fuck all since the pandemic started. The pandemic started just before Pearl Jam was to play Toronto and I still have the tickets for the show, going with my sister…we were also going to see come from away…all that got cancelled. I have not been to a movie, to the casino, concert etc…the only dinner out has been with my father…no travelling, no nothing…pretty much done what public health had asked.
The world does not revolve around you and your kids..Your kids will survive. If my mother can survive post world war 2, then your kids can survive this…jeesh.
oh. And Ontario is locked down again. And Ontario kids have been out of school more than any other region in Canada…
st louis now has the highest number of new cases and highest number of hospitalizations since the pandemic began. the girl i am dating tested positive this morning. thankfully she is vaxxed, as am i. i have no symptoms, and cannot find a fucking test anywhere.
our governor and ag believe the pandemic is over though and is fighting our county executive and local government officials that are wanting to implement temporary restrictions again. these are small government republicans that are interfering with local municipalities, mind you.
What kind of restrictions are you looking for? I’m not familiar with your area so I’m just curious. Here in NYC we’ve been breaking records daily but are standing firm on no more lockdown restrictions and keeping schools open. There are mask mandates and very aggressive vaccine mandates though.
st louis now has the highest number of new cases and highest number of hospitalizations since the pandemic began. the girl i am dating tested positive this morning. thankfully she is vaxxed, as am i. i have no symptoms, and cannot find a fucking test anywhere.
our governor and ag believe the pandemic is over though and is fighting our county executive and local government officials that are wanting to implement temporary restrictions again. these are small government republicans that are interfering with local municipalities, mind you.
What kind of restrictions are you looking for? I’m not familiar with your area so I’m just curious. Here in NYC we’ve been breaking records daily but are standing firm on no more lockdown restrictions and keeping schools open. There are mask mandates and very aggressive vaccine mandates though.
personally i want mask mandates and vaccination proof in indoor settings like restaurants and bars. also a temporary return to social distancing in those settings. it was helpful in the beginning and is the only way people can enjoy the things they want to do in a safe manner.
There is nothing noble in being superior to your fellow man; true nobility is being superior to your former self.- Hemingway
st louis now has the highest number of new cases and highest number of hospitalizations since the pandemic began. the girl i am dating tested positive this morning. thankfully she is vaxxed, as am i. i have no symptoms, and cannot find a fucking test anywhere.
our governor and ag believe the pandemic is over though and is fighting our county executive and local government officials that are wanting to implement temporary restrictions again. these are small government republicans that are interfering with local municipalities, mind you.
What kind of restrictions are you looking for? I’m not familiar with your area so I’m just curious. Here in NYC we’ve been breaking records daily but are standing firm on no more lockdown restrictions and keeping schools open. There are mask mandates and very aggressive vaccine mandates though.
personally i want mask mandates and vaccination proof in indoor settings like restaurants and bars. also a temporary return to social distancing in those settings. it was helpful in the beginning and is the only way people can enjoy the things they want to do in a safe manner.
I understand wanting to do more, but hasn't the complete failure of those mandates in NYC and LA proven that those are not effective mitigations at this point? Both cities have had indoor vax mandates for months and both are still setting records everyday. There doesn't seem to be anything that can be done to stop the spread of omicron...
Ask yourself: while Canadian children lose the social and academic benefits of in-person schooling this week, what unnecessary freedoms are you enjoying? A trip to the mall, dinner with friends, or perhaps a movie night out?
What's your point? Should we not go out dinner because Canadian kids aren't in school?
I'm reflecting on how last year BC shut down business and prioritized school. Not so now. I think New York is handling this wave well.
Socialized medicine in Canada is really great until a crisis hits then it easily collapses…
just kidding it has never been great…
Well here in the US we have private for profit medicine, and it still sucks and gets overwhelmed, but we do pay an arm and a leg and keep those insurance company profits high!
Oh please. Cry me a river. We pay a shit ton of tax for a system that bogs down at the 1st sign of a crisis. And if you don’t think people in our socialized medicine don’t make big bucks…think again. The CEO of my local hospital makes 500 grand a year…pretty generous for a so called not for profit system.
I get the feeling you have a limited understanding of not for profit.
our tax systems, also, compare pretty closely, except for one main area: our tax rate stays lower to a higher income bracket in the middle class income area, so the lower-to-middle class are often better off in canada. but it's marginal.
until you have to pay for healthcare. imagine having our same taxes and on top of that paying an additional $1500 per month for a family of 4 for a copay on top of that.
I'd say he has every right to cry as many rivers as he wishes.
Our healthcare plan is about 2k a month. About half is paid by us and half by our employer. So if you’re self employed you pay the whole 2k. And the copays are often terrible. $30 for a regular dr visit, that’s not bad. But if they run tests, lab work, X-rays, or see a specialist that’s all additional. Urgent care visit for something simple will usually run about $500. Emergency room is going to be a minimum of 2k, and that’s assuming it’s a short in and out visit. It’s several thousand a day if you stay over night.
Sounds like you need a new plan.
Don’t have a choice, only one offered. Only other option is paying fully out of pocket for the insurance.
It's the one part of Obamacare that I was unhappy with. The lack of good choices as an individual. I have a "gold package" not sure what tier you were offered or have but it's nothing like my company health care I had previous to this one.
Insurance plans have been markedly worse every year since about 2000.
For individuals? If so I wouldn't know. I didn't have to find a private one until 2014 and I will say it was night and day from my group one I had previously...
Family, to be clear. But it sounds like you are comparing what's available on Obamacare vs an employment plan. I was saying that employer plans are worse and worse every year.
Obamacare ones will follow the same trend since all Obamacare does is provide a portal for private insurers to underwrite you in a group from the portal. The reason the individual mandate is so important is that Obamacare entries would be high risk, as they are the ones that would go in and need the insurance. So you need healthy young people to offset it. But in general, the pool of insured is going to be higher risk than that of an employer plan, hence bad rates comparatively.
Are employer plans worse every year? Mine hasn’t been. In fact, Obamacare resulted in my co pay and rise of premiums at their slowest percentage change since employment or were flat. This year we received enhanced benefits with a 2% increase in cost. Medical, dental and eye care coverage.
For me personally I would agree with mrussel. When we first moved to Colorado 9 years ago a family plan was about half what it costs now and the coverage was way better. Deductibles and copays are high, medications are ridiculous. We pay $250 once a month for Humira now, which used to be $30. Every time we fill prescriptions I ask what the cash price is because I find a good chunk of the time it’s actually cheaper paying the cash price than it is paying the agreed upon copay, which seems absolutely ridiculous to pay thousands in premiums only to have it cheaper to not go through it. That would be like paying $1200 a month for car insurance. Then when you go to repair your car the mechanic says if you use your insurance it’s $500 to fix your car, but if you just do cash I can do it for $100. And it’s not the mechanic setting the price, it’s your own insurance company. Why even have it then?
Socialized medicine in Canada is really great until a crisis hits then it easily collapses…
just kidding it has never been great…
Well here in the US we have private for profit medicine, and it still sucks and gets overwhelmed, but we do pay an arm and a leg and keep those insurance company profits high!
Oh please. Cry me a river. We pay a shit ton of tax for a system that bogs down at the 1st sign of a crisis. And if you don’t think people in our socialized medicine don’t make big bucks…think again. The CEO of my local hospital makes 500 grand a year…pretty generous for a so called not for profit system.
I get the feeling you have a limited understanding of not for profit.
our tax systems, also, compare pretty closely, except for one main area: our tax rate stays lower to a higher income bracket in the middle class income area, so the lower-to-middle class are often better off in canada. but it's marginal.
until you have to pay for healthcare. imagine having our same taxes and on top of that paying an additional $1500 per month for a family of 4 for a copay on top of that.
I'd say he has every right to cry as many rivers as he wishes.
Our healthcare plan is about 2k a month. About half is paid by us and half by our employer. So if you’re self employed you pay the whole 2k. And the copays are often terrible. $30 for a regular dr visit, that’s not bad. But if they run tests, lab work, X-rays, or see a specialist that’s all additional. Urgent care visit for something simple will usually run about $500. Emergency room is going to be a minimum of 2k, and that’s assuming it’s a short in and out visit. It’s several thousand a day if you stay over night.
Sounds like you need a new plan.
Don’t have a choice, only one offered. Only other option is paying fully out of pocket for the insurance.
It's the one part of Obamacare that I was unhappy with. The lack of good choices as an individual. I have a "gold package" not sure what tier you were offered or have but it's nothing like my company health care I had previous to this one.
Insurance plans have been markedly worse every year since about 2000.
For individuals? If so I wouldn't know. I didn't have to find a private one until 2014 and I will say it was night and day from my group one I had previously...
Family, to be clear. But it sounds like you are comparing what's available on Obamacare vs an employment plan. I was saying that employer plans are worse and worse every year.
Obamacare ones will follow the same trend since all Obamacare does is provide a portal for private insurers to underwrite you in a group from the portal. The reason the individual mandate is so important is that Obamacare entries would be high risk, as they are the ones that would go in and need the insurance. So you need healthy young people to offset it. But in general, the pool of insured is going to be higher risk than that of an employer plan, hence bad rates comparatively.
Are employer plans worse every year? Mine hasn’t been. In fact, Obamacare resulted in my co pay and rise of premiums at their slowest percentage change since employment or were flat. This year we received enhanced benefits with a 2% increase in cost. Medical, dental and eye care coverage.
For me personally I would agree with mrussel. When we first moved to Colorado 9 years ago a family plan was about half what it costs now and the coverage was way better. Deductibles and copays are high, medications are ridiculous. We pay $250 once a month for Humira now, which used to be $30. Every time we fill prescriptions I ask what the cash price is because I find a good chunk of the time it’s actually cheaper paying the cash price than it is paying the agreed upon copay, which seems absolutely ridiculous to pay thousands in premiums only to have it cheaper to not go through it. That would be like paying $1200 a month for car insurance. Then when you go to repair your car the mechanic says if you use your insurance it’s $500 to fix your car, but if you just do cash I can do it for $100. And it’s not the mechanic setting the price, it’s your own insurance company. Why even have it then?
Kid 1 and 2 (1998 and 2001) cost me $80 each. Kid 3 (2008) cost several thousand. And this was teh same insurance through the same large corporation.
This not going to school should be a dream go for many Canadians kids…they don’t have to freeze getting to school and high school age kids can just slip out back smoke a joint and head to class in their room…seems like a good gig. Then they can hook up with friends in the evening…
This not going to school should be a dream go for many Canadians kids…they don’t have to freeze getting to school and high school age kids can just slip out back smoke a joint and head to class in their room…seems like a good gig. Then they can hook up with friends in the evening…
it's a nightmare for almost all kids. and the teachers too. I would imagine it would only be a "dream go" for the kids who get bullied at school.
Ask yourself: while Canadian children lose the social and academic benefits of in-person schooling this week, what unnecessary freedoms are you enjoying? A trip to the mall, dinner with friends, or perhaps a movie night out?
What's your point? Should we not go out dinner because Canadian kids aren't in school?
So when Canadians kids are locked out of school you’ve gone out to dinner? Shaking my head…
Ask yourself: while Canadian children lose the social and academic benefits of in-person schooling this week, what unnecessary freedoms are you enjoying? A trip to the mall, dinner with friends, or perhaps a movie night out?
What's your point? Should we not go out dinner because Canadian kids aren't in school?
So when Canadians kids are locked out of school you’ve gone out to dinner? Shaking my head…
why should his life get altered when kids from another country are told to stay home?
I figured BC pulled this stunt to appease the union. And spread out the largely unvaxxed hospitalizations a wee bit. I imagine having resources like rapid tests might have changed our course of action.
in about 20 minutes manitoba is going to close schools grades 7-12 for January. at least that's what's expected to be announced.
Our health miniister regularily points out that BC's pandemic is different from others. For instance, Quebec is up the creek because of a later delta onset. Isn't that the same in Winnipeg?
A whole month away... jeez! Our minister thinks its better to group them and keep track of their same contacts rather than letting them run around free.
in about 20 minutes manitoba is going to close schools grades 7-12 for January. at least that's what's expected to be announced.
Our health miniister regularily points out that BC's pandemic is different from others. For instance, Quebec is up the creek because of a later delta onset. Isn't that the same in Winnipeg?
A whole month away... jeez! Our minister thinks its better to group them and keep track of their same contacts rather than letting them run around free.
I'm not really sure. I believe most of our cases right now are all delta. but we also typically felt the "current wave" later than most.
Socialized medicine in Canada is really great until a crisis hits then it easily collapses…
just kidding it has never been great…
Well here in the US we have private for profit medicine, and it still sucks and gets overwhelmed, but we do pay an arm and a leg and keep those insurance company profits high!
Oh please. Cry me a river. We pay a shit ton of tax for a system that bogs down at the 1st sign of a crisis. And if you don’t think people in our socialized medicine don’t make big bucks…think again. The CEO of my local hospital makes 500 grand a year…pretty generous for a so called not for profit system.
I get the feeling you have a limited understanding of not for profit.
our tax systems, also, compare pretty closely, except for one main area: our tax rate stays lower to a higher income bracket in the middle class income area, so the lower-to-middle class are often better off in canada. but it's marginal.
until you have to pay for healthcare. imagine having our same taxes and on top of that paying an additional $1500 per month for a family of 4 for a copay on top of that.
I'd say he has every right to cry as many rivers as he wishes.
Our healthcare plan is about 2k a month. About half is paid by us and half by our employer. So if you’re self employed you pay the whole 2k. And the copays are often terrible. $30 for a regular dr visit, that’s not bad. But if they run tests, lab work, X-rays, or see a specialist that’s all additional. Urgent care visit for something simple will usually run about $500. Emergency room is going to be a minimum of 2k, and that’s assuming it’s a short in and out visit. It’s several thousand a day if you stay over night.
Sounds like you need a new plan.
Don’t have a choice, only one offered. Only other option is paying fully out of pocket for the insurance.
It's the one part of Obamacare that I was unhappy with. The lack of good choices as an individual. I have a "gold package" not sure what tier you were offered or have but it's nothing like my company health care I had previous to this one.
Insurance plans have been markedly worse every year since about 2000.
For individuals? If so I wouldn't know. I didn't have to find a private one until 2014 and I will say it was night and day from my group one I had previously...
Family, to be clear. But it sounds like you are comparing what's available on Obamacare vs an employment plan. I was saying that employer plans are worse and worse every year.
Obamacare ones will follow the same trend since all Obamacare does is provide a portal for private insurers to underwrite you in a group from the portal. The reason the individual mandate is so important is that Obamacare entries would be high risk, as they are the ones that would go in and need the insurance. So you need healthy young people to offset it. But in general, the pool of insured is going to be higher risk than that of an employer plan, hence bad rates comparatively.
Are employer plans worse every year? Mine hasn’t been. In fact, Obamacare resulted in my co pay and rise of premiums at their slowest percentage change since employment or were flat. This year we received enhanced benefits with a 2% increase in cost. Medical, dental and eye care coverage.
For me personally I would agree with mrussel. When we first moved to Colorado 9 years ago a family plan was about half what it costs now and the coverage was way better. Deductibles and copays are high, medications are ridiculous. We pay $250 once a month for Humira now, which used to be $30. Every time we fill prescriptions I ask what the cash price is because I find a good chunk of the time it’s actually cheaper paying the cash price than it is paying the agreed upon copay, which seems absolutely ridiculous to pay thousands in premiums only to have it cheaper to not go through it. That would be like paying $1200 a month for car insurance. Then when you go to repair your car the mechanic says if you use your insurance it’s $500 to fix your car, but if you just do cash I can do it for $100. And it’s not the mechanic setting the price, it’s your own insurance company. Why even have it then?
You and mrussel personally, not "all employer plans are worse." That's what I'm implying. Does my personal experience mean all employer health plans are better? Or not, because either of yours and mrussel's is worse?
Socialized medicine in Canada is really great until a crisis hits then it easily collapses…
just kidding it has never been great…
Well here in the US we have private for profit medicine, and it still sucks and gets overwhelmed, but we do pay an arm and a leg and keep those insurance company profits high!
Oh please. Cry me a river. We pay a shit ton of tax for a system that bogs down at the 1st sign of a crisis. And if you don’t think people in our socialized medicine don’t make big bucks…think again. The CEO of my local hospital makes 500 grand a year…pretty generous for a so called not for profit system.
I get the feeling you have a limited understanding of not for profit.
our tax systems, also, compare pretty closely, except for one main area: our tax rate stays lower to a higher income bracket in the middle class income area, so the lower-to-middle class are often better off in canada. but it's marginal.
until you have to pay for healthcare. imagine having our same taxes and on top of that paying an additional $1500 per month for a family of 4 for a copay on top of that.
I'd say he has every right to cry as many rivers as he wishes.
Our healthcare plan is about 2k a month. About half is paid by us and half by our employer. So if you’re self employed you pay the whole 2k. And the copays are often terrible. $30 for a regular dr visit, that’s not bad. But if they run tests, lab work, X-rays, or see a specialist that’s all additional. Urgent care visit for something simple will usually run about $500. Emergency room is going to be a minimum of 2k, and that’s assuming it’s a short in and out visit. It’s several thousand a day if you stay over night.
Sounds like you need a new plan.
Don’t have a choice, only one offered. Only other option is paying fully out of pocket for the insurance.
It's the one part of Obamacare that I was unhappy with. The lack of good choices as an individual. I have a "gold package" not sure what tier you were offered or have but it's nothing like my company health care I had previous to this one.
Insurance plans have been markedly worse every year since about 2000.
For individuals? If so I wouldn't know. I didn't have to find a private one until 2014 and I will say it was night and day from my group one I had previously...
Family, to be clear. But it sounds like you are comparing what's available on Obamacare vs an employment plan. I was saying that employer plans are worse and worse every year.
Obamacare ones will follow the same trend since all Obamacare does is provide a portal for private insurers to underwrite you in a group from the portal. The reason the individual mandate is so important is that Obamacare entries would be high risk, as they are the ones that would go in and need the insurance. So you need healthy young people to offset it. But in general, the pool of insured is going to be higher risk than that of an employer plan, hence bad rates comparatively.
Are employer plans worse every year? Mine hasn’t been. In fact, Obamacare resulted in my co pay and rise of premiums at their slowest percentage change since employment or were flat. This year we received enhanced benefits with a 2% increase in cost. Medical, dental and eye care coverage.
For me personally I would agree with mrussel. When we first moved to Colorado 9 years ago a family plan was about half what it costs now and the coverage was way better. Deductibles and copays are high, medications are ridiculous. We pay $250 once a month for Humira now, which used to be $30. Every time we fill prescriptions I ask what the cash price is because I find a good chunk of the time it’s actually cheaper paying the cash price than it is paying the agreed upon copay, which seems absolutely ridiculous to pay thousands in premiums only to have it cheaper to not go through it. That would be like paying $1200 a month for car insurance. Then when you go to repair your car the mechanic says if you use your insurance it’s $500 to fix your car, but if you just do cash I can do it for $100. And it’s not the mechanic setting the price, it’s your own insurance company. Why even have it then?
You and mrussel personally, not "all employer plans are worse." That's what I'm implying. Does my personal experience mean all employer health plans are better? Or not, because either of yours and mrussel's is worse?
I'm in the boat with mace and mrussel. Honestly, I think you are the outlier faxxy. Premiums have gone up consistently for me (and everyone at my company) and pretty much everyone I speak with about the subject, both work contacts and friends/family. And the other consistent thing is coverage getting worse while deductibles and copays are rising.
Socialized medicine in Canada is really great until a crisis hits then it easily collapses…
just kidding it has never been great…
Well here in the US we have private for profit medicine, and it still sucks and gets overwhelmed, but we do pay an arm and a leg and keep those insurance company profits high!
Oh please. Cry me a river. We pay a shit ton of tax for a system that bogs down at the 1st sign of a crisis. And if you don’t think people in our socialized medicine don’t make big bucks…think again. The CEO of my local hospital makes 500 grand a year…pretty generous for a so called not for profit system.
I get the feeling you have a limited understanding of not for profit.
our tax systems, also, compare pretty closely, except for one main area: our tax rate stays lower to a higher income bracket in the middle class income area, so the lower-to-middle class are often better off in canada. but it's marginal.
until you have to pay for healthcare. imagine having our same taxes and on top of that paying an additional $1500 per month for a family of 4 for a copay on top of that.
I'd say he has every right to cry as many rivers as he wishes.
Our healthcare plan is about 2k a month. About half is paid by us and half by our employer. So if you’re self employed you pay the whole 2k. And the copays are often terrible. $30 for a regular dr visit, that’s not bad. But if they run tests, lab work, X-rays, or see a specialist that’s all additional. Urgent care visit for something simple will usually run about $500. Emergency room is going to be a minimum of 2k, and that’s assuming it’s a short in and out visit. It’s several thousand a day if you stay over night.
Sounds like you need a new plan.
Don’t have a choice, only one offered. Only other option is paying fully out of pocket for the insurance.
It's the one part of Obamacare that I was unhappy with. The lack of good choices as an individual. I have a "gold package" not sure what tier you were offered or have but it's nothing like my company health care I had previous to this one.
Insurance plans have been markedly worse every year since about 2000.
For individuals? If so I wouldn't know. I didn't have to find a private one until 2014 and I will say it was night and day from my group one I had previously...
Family, to be clear. But it sounds like you are comparing what's available on Obamacare vs an employment plan. I was saying that employer plans are worse and worse every year.
Obamacare ones will follow the same trend since all Obamacare does is provide a portal for private insurers to underwrite you in a group from the portal. The reason the individual mandate is so important is that Obamacare entries would be high risk, as they are the ones that would go in and need the insurance. So you need healthy young people to offset it. But in general, the pool of insured is going to be higher risk than that of an employer plan, hence bad rates comparatively.
Are employer plans worse every year? Mine hasn’t been. In fact, Obamacare resulted in my co pay and rise of premiums at their slowest percentage change since employment or were flat. This year we received enhanced benefits with a 2% increase in cost. Medical, dental and eye care coverage.
For me personally I would agree with mrussel. When we first moved to Colorado 9 years ago a family plan was about half what it costs now and the coverage was way better. Deductibles and copays are high, medications are ridiculous. We pay $250 once a month for Humira now, which used to be $30. Every time we fill prescriptions I ask what the cash price is because I find a good chunk of the time it’s actually cheaper paying the cash price than it is paying the agreed upon copay, which seems absolutely ridiculous to pay thousands in premiums only to have it cheaper to not go through it. That would be like paying $1200 a month for car insurance. Then when you go to repair your car the mechanic says if you use your insurance it’s $500 to fix your car, but if you just do cash I can do it for $100. And it’s not the mechanic setting the price, it’s your own insurance company. Why even have it then?
You and mrussel personally, not "all employer plans are worse." That's what I'm implying. Does my personal experience mean all employer health plans are better? Or not, because either of yours and mrussel's is worse?
I'm in the boat with mace and mrussel. Honestly, I think you are the outlier faxxy. Premiums have gone up consistently for me (and everyone at my company) and pretty much everyone I speak with about the subject, both work contacts and friends/family. And the other consistent thing is coverage getting worse while deductibles and copays are rising.
My premiums went up anywhere from say between 6% and 12% year over year prior to Obamacare. Once that went into effect, premiums went up closer to the rate of inflation, 2% to 4%, again with some years staying flat and no loss of benefits and even minor improvements. The only thing that really changed was the number of plans available went from 5 to 3, with one of those a PPC? that has crazy deductibles but if you're healthy and don't go to the doctor, is good, I guess? When I was a state employee 30 years ago, we had a choice of 5 or 6 plans. Now I believe its 2.
It seems to me that states that have embraced the concept of Obamacare via their exchanges and actively work to make them better, have done so and that that has been an overall improvement than the status quo or having millions uninsured, which we still do. That all said, I would't assume that my personal experience equates to "all employers plans are worse."
Clearly the larger the organization, the better negotiating power which makes one think governments would encourage enrollment and use in their plans on the exchanges rather than actively do things to undermine it, like what many repub states have done. I'm still waiting for that repub plan that is better, cheaper and more beautiful than Obamacare. Is Obamacare perfect? No. But it was a place to start, to be improved upon over time via legislation and real world inputs and outcomes. But one party still doesn't want to participate and would just rather scream SOCIALISM.
So I guess, in closing, if you, mrussel and mace want better health insurance, find an employer who provides better health care benefits? Its not like you don't have choices and there's a lot of jobs open right now. And before you all get up in arms, I'm kidding. But its a shame, isn't it?
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our governor and ag believe the pandemic is over though and is fighting our county executive and local government officials that are wanting to implement temporary restrictions again. these are small government republicans that are interfering with local municipalities, mind you.
"Well, you tell him that I don't talk to suckas."
I absolutely do agree with you, though, that more accurate, trustworthy reporting should be out there. I recall for months and months that Manitoba Health was only reporting the number of people in ICU. Which was alarming to me, since it was nearing capacity. But then when they actually broke it out as Covid ICU and "regular" ICU, the number was cut 4-fold. That makes a difference to me.
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oh. And Ontario is locked down again. And Ontario kids have been out of school more than any other region in Canada…
"Well, you tell him that I don't talk to suckas."
That would be like paying $1200 a month for car insurance. Then when you go to repair your car the mechanic says if you use your insurance it’s $500 to fix your car, but if you just do cash I can do it for $100. And it’s not the mechanic setting the price, it’s your own insurance company. Why even have it then?
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astoria 06
albany 06
hartford 06
reading 06
barcelona 06
paris 06
wembley 07
dusseldorf 07
nijmegen 07
this song is meant to be called i got shit,itshould be called i got shit tickets-hartford 06 -
A whole month away... jeez! Our minister thinks its better to group them and keep track of their same contacts rather than letting them run around free.
I remember feeling that way in other waves. But I'm not as afraid with this variant and vaccines that prevent severe illness.
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It seems to me that states that have embraced the concept of Obamacare via their exchanges and actively work to make them better, have done so and that that has been an overall improvement than the status quo or having millions uninsured, which we still do. That all said, I would't assume that my personal experience equates to "all employers plans are worse."
Clearly the larger the organization, the better negotiating power which makes one think governments would encourage enrollment and use in their plans on the exchanges rather than actively do things to undermine it, like what many repub states have done. I'm still waiting for that repub plan that is better, cheaper and more beautiful than Obamacare. Is Obamacare perfect? No. But it was a place to start, to be improved upon over time via legislation and real world inputs and outcomes. But one party still doesn't want to participate and would just rather scream SOCIALISM.
So I guess, in closing, if you, mrussel and mace want better health insurance, find an employer who provides better health care benefits? Its not like you don't have choices and there's a lot of jobs open right now. And before you all get up in arms, I'm kidding. But its a shame, isn't it?
Libtardaplorable©. And proud of it.
Brilliantati©