Viruses / Vaccines

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Comments

  • stuckinlinestuckinline Posts: 3,367
    What i can't understand is.
    My whole family except my mum and us 4 in this house have had covid over Christmas.  Now my brother and his wife are alcoholics  and smoke a pack a day.  High b.p.Double vaccinated  with different  vaccines. AZ and pfizer.
    Not one symptom. 
    The others very  mild . One unvaccinated  had it twice. Worse 2nd time and ill 10 days.
    Reading  above about children  worrys me. But how can the ones with poor health  have no symptoms. 
    I wonder if when this is all said and done they can trace the virus to attacking a specific gene or trait in people and that's why it could pass over one person and hit another hard.

    It would be interesting and not out of the realms of science to figure that out.
    One of my friends is a nurse in the Covid ward of a major hospital in Cleveland. She told me most of their current covid patients are unvaccinated, and the vaccinated patients that are hospitalized with covid have other health issues: diabetes, thyroid, heart disease, etc,
  • mrussel1mrussel1 Posts: 29,675
    mrussel1 said:
    No country is going to prioritize the health of their citizens as a first priority.  The government would prefer you in the ground once you retire and have to rely more on the system…the government is all about take, take …. 
    This statement is kind of silly.  The gov't is made up of people, not androids.  So your argument is that the representatives elected, many of which are older themselves, want you and the rest of their fellow citizens in the ground as quickly as possible?  
    Why?  Your government cares so much about people's health Biden would rather give the well to do 12500 to buy an electric vehicle...lol. That's the same thing in Canada...if you got the bucks you get better healthcare, if you got the bucks the government
    subsides your lifestyle...if you are low-income/poor...fuck you take what we give you...be thankful.
    Tell me why your govt leaders want you dead again? 
  • Meltdown99Meltdown99 Posts: 10,739
    Lol.  I’m not reading the ACA..it doesn’t make it difference.  

    It’s still does not change the fact those with the bucks get much better healthcare. 

    Why not offer each American 12500 to go buy their own insurance….

    That’s because poor people Can’t afford lobbyist to get them real solid help like ford, GM, Amazon … you know those capitalist company who want socialism to subsidize their business’s…lol

    Give Peas A Chance…
  • well the hip symposium and cadaver lab i was supposed to work at the end of the month just got canceled due to covid. i only had about 25 hours in to planning and prepping for that :rock_on:
    "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."
  • Gern BlanstenGern Blansten Posts: 20,275
    Lol.  I’m not reading the ACA..it doesn’t make it difference.  

    It’s still does not change the fact those with the bucks get much better healthcare. 

    Why not offer each American 12500 to go buy their own insurance….

    That’s because poor people Can’t afford lobbyist to get them real solid help like ford, GM, Amazon … you know those capitalist company who want socialism to subsidize their business’s…lol

    The insurance that I pay $1,080 for is the same insurance that people making less than $67K pay $0 for
    Remember the Thomas Nine !! (10/02/2018)
    The Golden Age is 2 months away. And guess what….. you’re gonna love it! (teskeinc 11.19.24)

    1998: Noblesville; 2003: Noblesville; 2009: EV Nashville, Chicago, Chicago
    2010: St Louis, Columbus, Noblesville; 2011: EV Chicago, East Troy, East Troy
    2013: London ON, Wrigley; 2014: Cincy, St Louis, Moline (NO CODE)
    2016: Lexington, Wrigley #1; 2018: Wrigley, Wrigley, Boston, Boston
    2020: Oakland, Oakland:  2021: EV Ohana, Ohana, Ohana, Ohana
    2022: Oakland, Oakland, Nashville, Louisville; 2023: Chicago, Chicago, Noblesville
    2024: Noblesville, Wrigley, Wrigley, Ohana, Ohana
  • Meltdown99Meltdown99 Posts: 10,739
    And the same goes for Canada…we love subsidizing corporations…fuck poor peoples health..Take what you get and be thankful…

    Amazon “Mr. government we are one the richest companies in the world, subsidize us.”

    GM “We suck at running a business, bail us out.”

    Lol

    Corporations “we don’t fucking care if people have good healthcare, our executives need an all exclusive holiday to St. Lucia.” 


    Give Peas A Chance…
  • very simple minded, ignorant view. don't bother. 
    new album "Cigarettes" out Spring 2025!

    www.headstonesband.com




  • mace1229mace1229 Posts: 9,367
    Zod said:
    So how much does health insurance cost in the US?  I've always been kind of curious what people (which would be interest to compare to the 40% of our tax dollars here in Canada that go to health care).
    Here’s a link to what our local school district offers employees. $1224/month for the cheaper of the 2 options. That’s the employee contribution, the district pays probably about $1000 on top of that too. These are not the details of the plan either, but its titled “HDHP” which stands for “High Deductible Health Plan.” So, as you can imagine, the deductibles are pretty high and the out of pocket expense on top of the monthly premium is pretty high.
    https://www.cherrycreekschools.org/cms/lib/CO50000184/Centricity/Domain/2323/Benefit%20Rates%2021%2022.pdf

    As for the details of what it covers, you can read about it here if you want or here’s a screenshot of the summary.
    https://www.cherrycreekschools.org/cms/lib/CO50000184/Centricity/Domain/2323/Cherry%20Creek%202021%20Guide%208_5.pdf



    Basically nothing is covered u til you spend 12k out of pocket, then it’s all covered.. This is pretty standard for school districts. And most of the info is public you can look up on their website. So it costs a teacher $1224/month for a family and you have to spend $12k out of pocket before the insurance kicks in.you’d be spending 25k a year before insurance kicks in and covers anything. Not to mention the district is using about 12-15k of their funds to supplement it.
  • tempo_n_groovetempo_n_groove Posts: 40,355
    edited January 2022
    mace1229 said:
    Zod said:
    So how much does health insurance cost in the US?  I've always been kind of curious what people (which would be interest to compare to the 40% of our tax dollars here in Canada that go to health care).
    Here’s a link to what our local school district offers employees. $1224/month for the cheaper of the 2 options. That’s the employee contribution, the district pays probably about $1000 on top of that too. These are not the details of the plan either, but its titled “HDHP” which stands for “High Deductible Health Plan.” So, as you can imagine, the deductibles are pretty high and the out of pocket expense on top of the monthly premium is pretty high.
    https://www.cherrycreekschools.org/cms/lib/CO50000184/Centricity/Domain/2323/Benefit%20Rates%2021%2022.pdf

    As for the details of what it covers, you can read about it here if you want or here’s a screenshot of the summary.
    https://www.cherrycreekschools.org/cms/lib/CO50000184/Centricity/Domain/2323/Cherry%20Creek%202021%20Guide%208_5.pdf



    Basically nothing is covered u til you spend 12k out of pocket, then it’s all covered.. This is pretty standard for school districts. And most of the info is public you can look up on their website. So it costs a teacher $1224/month for a family and you have to spend $12k out of pocket before the insurance kicks in.you’d be spending 25k a year before insurance kicks in and covers anything. Not to mention the district is using about 12-15k of their funds to supplement it.
    At that point I would purchase the cheapest Obamacare insurance at $200 a month and pay cash for doctor visits.  Holy shit that's horrible.

    Edit:  No Union rep with this?  Teachers should be united around the states to pool for better coverage...
  • jpgoegeljpgoegel Posts: 412
    MA is at the uh oh stage again.  Time to wrap up in bubble wrap and dont fall down on the ice

    https://www.wgbh.org/news/local-news/2022/01/04/no-icu-beds-left-massachusetts-hospitals-are-maxed-out-as-covid-continues-to-surge
  • mace1229mace1229 Posts: 9,367
    mace1229 said:
    Zod said:
    So how much does health insurance cost in the US?  I've always been kind of curious what people (which would be interest to compare to the 40% of our tax dollars here in Canada that go to health care).
    Here’s a link to what our local school district offers employees. $1224/month for the cheaper of the 2 options. That’s the employee contribution, the district pays probably about $1000 on top of that too. These are not the details of the plan either, but its titled “HDHP” which stands for “High Deductible Health Plan.” So, as you can imagine, the deductibles are pretty high and the out of pocket expense on top of the monthly premium is pretty high.
    https://www.cherrycreekschools.org/cms/lib/CO50000184/Centricity/Domain/2323/Benefit%20Rates%2021%2022.pdf

    As for the details of what it covers, you can read about it here if you want or here’s a screenshot of the summary.
    https://www.cherrycreekschools.org/cms/lib/CO50000184/Centricity/Domain/2323/Cherry%20Creek%202021%20Guide%208_5.pdf



    Basically nothing is covered u til you spend 12k out of pocket, then it’s all covered.. This is pretty standard for school districts. And most of the info is public you can look up on their website. So it costs a teacher $1224/month for a family and you have to spend $12k out of pocket before the insurance kicks in.you’d be spending 25k a year before insurance kicks in and covers anything. Not to mention the district is using about 12-15k of their funds to supplement it.
    At that point I would purchase the cheapest Obamacare insurance at $200 a month and pay cash for doctor visits.  Holy shit that's horrible.

    Edit:  No Union rep with this?  Teachers should be united around the states to pool for better coverage...
    I looked into that, we weren’t eligible for Obamacare at the time because our employer offers coverage. We have unions. This is pretty standard for teachers in Colorado, all districts are pretty similar for coverage. 
  • mace1229 said:
    mace1229 said:
    Zod said:
    So how much does health insurance cost in the US?  I've always been kind of curious what people (which would be interest to compare to the 40% of our tax dollars here in Canada that go to health care).
    Here’s a link to what our local school district offers employees. $1224/month for the cheaper of the 2 options. That’s the employee contribution, the district pays probably about $1000 on top of that too. These are not the details of the plan either, but its titled “HDHP” which stands for “High Deductible Health Plan.” So, as you can imagine, the deductibles are pretty high and the out of pocket expense on top of the monthly premium is pretty high.
    https://www.cherrycreekschools.org/cms/lib/CO50000184/Centricity/Domain/2323/Benefit%20Rates%2021%2022.pdf

    As for the details of what it covers, you can read about it here if you want or here’s a screenshot of the summary.
    https://www.cherrycreekschools.org/cms/lib/CO50000184/Centricity/Domain/2323/Cherry%20Creek%202021%20Guide%208_5.pdf



    Basically nothing is covered u til you spend 12k out of pocket, then it’s all covered.. This is pretty standard for school districts. And most of the info is public you can look up on their website. So it costs a teacher $1224/month for a family and you have to spend $12k out of pocket before the insurance kicks in.you’d be spending 25k a year before insurance kicks in and covers anything. Not to mention the district is using about 12-15k of their funds to supplement it.
    At that point I would purchase the cheapest Obamacare insurance at $200 a month and pay cash for doctor visits.  Holy shit that's horrible.

    Edit:  No Union rep with this?  Teachers should be united around the states to pool for better coverage...
    I looked into that, we weren’t eligible for Obamacare at the time because our employer offers coverage. We have unions. This is pretty standard for teachers in Colorado, all districts are pretty similar for coverage. 
    It's things like that that would make me lose it.

    "I don't want FOP gahdammit, I'm a Dapper Dan Man!"

    They are forcing you to accept something that is just not economically right.
  • PoncierPoncier Posts: 16,925
    jpgoegel said:
    MA is at the uh oh stage again.  Time to wrap up in bubble wrap and dont fall down on the ice

    https://www.wgbh.org/news/local-news/2022/01/04/no-icu-beds-left-massachusetts-hospitals-are-maxed-out-as-covid-continues-to-surge
    Alarmist reporting, perhaps?

    On yesterday's dashboard there were 441 patients reported in ICU from Covid.
    April of 2020 there were 1,089.
    My guess is there is some capacity in the state somewhere.
    Obviously, things aren't going well currently, but I think this article is overdramatizing the situation.
    This weekend we rock Portland
  • mace1229mace1229 Posts: 9,367
    edited January 2022
    mace1229 said:
    mace1229 said:
    Zod said:
    So how much does health insurance cost in the US?  I've always been kind of curious what people (which would be interest to compare to the 40% of our tax dollars here in Canada that go to health care).
    Here’s a link to what our local school district offers employees. $1224/month for the cheaper of the 2 options. That’s the employee contribution, the district pays probably about $1000 on top of that too. These are not the details of the plan either, but its titled “HDHP” which stands for “High Deductible Health Plan.” So, as you can imagine, the deductibles are pretty high and the out of pocket expense on top of the monthly premium is pretty high.
    https://www.cherrycreekschools.org/cms/lib/CO50000184/Centricity/Domain/2323/Benefit%20Rates%2021%2022.pdf

    As for the details of what it covers, you can read about it here if you want or here’s a screenshot of the summary.
    https://www.cherrycreekschools.org/cms/lib/CO50000184/Centricity/Domain/2323/Cherry%20Creek%202021%20Guide%208_5.pdf



    Basically nothing is covered u til you spend 12k out of pocket, then it’s all covered.. This is pretty standard for school districts. And most of the info is public you can look up on their website. So it costs a teacher $1224/month for a family and you have to spend $12k out of pocket before the insurance kicks in.you’d be spending 25k a year before insurance kicks in and covers anything. Not to mention the district is using about 12-15k of their funds to supplement it.
    At that point I would purchase the cheapest Obamacare insurance at $200 a month and pay cash for doctor visits.  Holy shit that's horrible.

    Edit:  No Union rep with this?  Teachers should be united around the states to pool for better coverage...
    I looked into that, we weren’t eligible for Obamacare at the time because our employer offers coverage. We have unions. This is pretty standard for teachers in Colorado, all districts are pretty similar for coverage. 
    It's things like that that would make me lose it.

    "I don't want FOP gahdammit, I'm a Dapper Dan Man!"

    They are forcing you to accept something that is just not economically right.
    Yup. It’s gotten worse for us every year since Obamacare. My theory is we legally can’t opt out so why not charge whatever they want. 
    If you think about car insurance, it might cost $1000 a year and you may go several years without needed it. But that year your truck gets stolen, you are really glad you have it and think you’d be out 20k if you let it lapse.
    The way our medical is, the only way I’ll be glad I have it is if we get some $80k medical bill. Even the cost of having a kid, or rack up $20k in bills with an ER visit, we would still have saved money that year by not having insurance. Literally the only way I will save money with it is if we have over 25k in medical bills in 1 year.  And even if I end up with an 80k bill, that still won’t make up for the 10 years we overpaid by 20k for minimal service.
    But yet we don’t have options and I legally have to buy it.

    Its designed to make the insurance companies a lot of money and not protect the insured. Many hospitals charge a fraction of the billed amount if you offer cash, because an MRI doesn’t have to cost 5k. But that’s what the insurance will bill you.
    Post edited by mace1229 on
  • Gern BlanstenGern Blansten Posts: 20,275
    mace1229 said:
    mace1229 said:
    mace1229 said:
    Zod said:
    So how much does health insurance cost in the US?  I've always been kind of curious what people (which would be interest to compare to the 40% of our tax dollars here in Canada that go to health care).
    Here’s a link to what our local school district offers employees. $1224/month for the cheaper of the 2 options. That’s the employee contribution, the district pays probably about $1000 on top of that too. These are not the details of the plan either, but its titled “HDHP” which stands for “High Deductible Health Plan.” So, as you can imagine, the deductibles are pretty high and the out of pocket expense on top of the monthly premium is pretty high.
    https://www.cherrycreekschools.org/cms/lib/CO50000184/Centricity/Domain/2323/Benefit%20Rates%2021%2022.pdf

    As for the details of what it covers, you can read about it here if you want or here’s a screenshot of the summary.
    https://www.cherrycreekschools.org/cms/lib/CO50000184/Centricity/Domain/2323/Cherry%20Creek%202021%20Guide%208_5.pdf



    Basically nothing is covered u til you spend 12k out of pocket, then it’s all covered.. This is pretty standard for school districts. And most of the info is public you can look up on their website. So it costs a teacher $1224/month for a family and you have to spend $12k out of pocket before the insurance kicks in.you’d be spending 25k a year before insurance kicks in and covers anything. Not to mention the district is using about 12-15k of their funds to supplement it.
    At that point I would purchase the cheapest Obamacare insurance at $200 a month and pay cash for doctor visits.  Holy shit that's horrible.

    Edit:  No Union rep with this?  Teachers should be united around the states to pool for better coverage...
    I looked into that, we weren’t eligible for Obamacare at the time because our employer offers coverage. We have unions. This is pretty standard for teachers in Colorado, all districts are pretty similar for coverage. 
    It's things like that that would make me lose it.

    "I don't want FOP gahdammit, I'm a Dapper Dan Man!"

    They are forcing you to accept something that is just not economically right.
    Yup. It’s gotten worse for us every year since Obamacare. My theory is we legally can’t opt out so why not charge whatever they want. 
    If you think about car insurance, it might cost $1000 a year and you may go several years without needed it. But that year your truck gets stolen, you are really glad you have it and think you’d be out 20k if you let it lapse.
    The way our medical is, the only way I’ll be glad I have it is if we get some $80k medical bill. Even the cost of having a kid, or rack up $20k in bills with an ER visit, we would still have saved money that year by not having insurance. Literally the only way I will save money with it is if we have over 25k in medical bills in 1 year.  And even if I end up with an 80k bill, that still won’t make up for the 10 years we overpaid by 20k for minimal service.
    But yet we don’t have options and I legally have to buy it.

    Its designed to make the insurance companies a lot of money and not protect the insured. Many hospitals charge a fraction of the billed amount if you offer cash, because an MRI doesn’t have to cost 5k. But that’s what the insurance will bill you.
    and under the ACA there are no pre-existing conditions....so you could develop cancer then as long as you could hold off until the next enrollment period, you could sign up and be insured
    Remember the Thomas Nine !! (10/02/2018)
    The Golden Age is 2 months away. And guess what….. you’re gonna love it! (teskeinc 11.19.24)

    1998: Noblesville; 2003: Noblesville; 2009: EV Nashville, Chicago, Chicago
    2010: St Louis, Columbus, Noblesville; 2011: EV Chicago, East Troy, East Troy
    2013: London ON, Wrigley; 2014: Cincy, St Louis, Moline (NO CODE)
    2016: Lexington, Wrigley #1; 2018: Wrigley, Wrigley, Boston, Boston
    2020: Oakland, Oakland:  2021: EV Ohana, Ohana, Ohana, Ohana
    2022: Oakland, Oakland, Nashville, Louisville; 2023: Chicago, Chicago, Noblesville
    2024: Noblesville, Wrigley, Wrigley, Ohana, Ohana
  • mace1229mace1229 Posts: 9,367
    mace1229 said:
    mace1229 said:
    mace1229 said:
    Zod said:
    So how much does health insurance cost in the US?  I've always been kind of curious what people (which would be interest to compare to the 40% of our tax dollars here in Canada that go to health care).
    Here’s a link to what our local school district offers employees. $1224/month for the cheaper of the 2 options. That’s the employee contribution, the district pays probably about $1000 on top of that too. These are not the details of the plan either, but its titled “HDHP” which stands for “High Deductible Health Plan.” So, as you can imagine, the deductibles are pretty high and the out of pocket expense on top of the monthly premium is pretty high.
    https://www.cherrycreekschools.org/cms/lib/CO50000184/Centricity/Domain/2323/Benefit%20Rates%2021%2022.pdf

    As for the details of what it covers, you can read about it here if you want or here’s a screenshot of the summary.
    https://www.cherrycreekschools.org/cms/lib/CO50000184/Centricity/Domain/2323/Cherry%20Creek%202021%20Guide%208_5.pdf



    Basically nothing is covered u til you spend 12k out of pocket, then it’s all covered.. This is pretty standard for school districts. And most of the info is public you can look up on their website. So it costs a teacher $1224/month for a family and you have to spend $12k out of pocket before the insurance kicks in.you’d be spending 25k a year before insurance kicks in and covers anything. Not to mention the district is using about 12-15k of their funds to supplement it.
    At that point I would purchase the cheapest Obamacare insurance at $200 a month and pay cash for doctor visits.  Holy shit that's horrible.

    Edit:  No Union rep with this?  Teachers should be united around the states to pool for better coverage...
    I looked into that, we weren’t eligible for Obamacare at the time because our employer offers coverage. We have unions. This is pretty standard for teachers in Colorado, all districts are pretty similar for coverage. 
    It's things like that that would make me lose it.

    "I don't want FOP gahdammit, I'm a Dapper Dan Man!"

    They are forcing you to accept something that is just not economically right.
    Yup. It’s gotten worse for us every year since Obamacare. My theory is we legally can’t opt out so why not charge whatever they want. 
    If you think about car insurance, it might cost $1000 a year and you may go several years without needed it. But that year your truck gets stolen, you are really glad you have it and think you’d be out 20k if you let it lapse.
    The way our medical is, the only way I’ll be glad I have it is if we get some $80k medical bill. Even the cost of having a kid, or rack up $20k in bills with an ER visit, we would still have saved money that year by not having insurance. Literally the only way I will save money with it is if we have over 25k in medical bills in 1 year.  And even if I end up with an 80k bill, that still won’t make up for the 10 years we overpaid by 20k for minimal service.
    But yet we don’t have options and I legally have to buy it.

    Its designed to make the insurance companies a lot of money and not protect the insured. Many hospitals charge a fraction of the billed amount if you offer cash, because an MRI doesn’t have to cost 5k. But that’s what the insurance will bill you.
    and under the ACA there are no pre-existing conditions....so you could develop cancer then as long as you could hold off until the next enrollment period, you could sign up and be insured
    Signing up under ACA I get no employer contributions, it wouldn’t save anything.
    But kinda sad that I’d have to hope to develop cancer in order to make health insurance worth while. 
  • mrussel1mrussel1 Posts: 29,675
    mace1229 said:
    mace1229 said:
    mace1229 said:
    mace1229 said:
    Zod said:
    So how much does health insurance cost in the US?  I've always been kind of curious what people (which would be interest to compare to the 40% of our tax dollars here in Canada that go to health care).
    Here’s a link to what our local school district offers employees. $1224/month for the cheaper of the 2 options. That’s the employee contribution, the district pays probably about $1000 on top of that too. These are not the details of the plan either, but its titled “HDHP” which stands for “High Deductible Health Plan.” So, as you can imagine, the deductibles are pretty high and the out of pocket expense on top of the monthly premium is pretty high.
    https://www.cherrycreekschools.org/cms/lib/CO50000184/Centricity/Domain/2323/Benefit%20Rates%2021%2022.pdf

    As for the details of what it covers, you can read about it here if you want or here’s a screenshot of the summary.
    https://www.cherrycreekschools.org/cms/lib/CO50000184/Centricity/Domain/2323/Cherry%20Creek%202021%20Guide%208_5.pdf



    Basically nothing is covered u til you spend 12k out of pocket, then it’s all covered.. This is pretty standard for school districts. And most of the info is public you can look up on their website. So it costs a teacher $1224/month for a family and you have to spend $12k out of pocket before the insurance kicks in.you’d be spending 25k a year before insurance kicks in and covers anything. Not to mention the district is using about 12-15k of their funds to supplement it.
    At that point I would purchase the cheapest Obamacare insurance at $200 a month and pay cash for doctor visits.  Holy shit that's horrible.

    Edit:  No Union rep with this?  Teachers should be united around the states to pool for better coverage...
    I looked into that, we weren’t eligible for Obamacare at the time because our employer offers coverage. We have unions. This is pretty standard for teachers in Colorado, all districts are pretty similar for coverage. 
    It's things like that that would make me lose it.

    "I don't want FOP gahdammit, I'm a Dapper Dan Man!"

    They are forcing you to accept something that is just not economically right.
    Yup. It’s gotten worse for us every year since Obamacare. My theory is we legally can’t opt out so why not charge whatever they want. 
    If you think about car insurance, it might cost $1000 a year and you may go several years without needed it. But that year your truck gets stolen, you are really glad you have it and think you’d be out 20k if you let it lapse.
    The way our medical is, the only way I’ll be glad I have it is if we get some $80k medical bill. Even the cost of having a kid, or rack up $20k in bills with an ER visit, we would still have saved money that year by not having insurance. Literally the only way I will save money with it is if we have over 25k in medical bills in 1 year.  And even if I end up with an 80k bill, that still won’t make up for the 10 years we overpaid by 20k for minimal service.
    But yet we don’t have options and I legally have to buy it.

    Its designed to make the insurance companies a lot of money and not protect the insured. Many hospitals charge a fraction of the billed amount if you offer cash, because an MRI doesn’t have to cost 5k. But that’s what the insurance will bill you.
    and under the ACA there are no pre-existing conditions....so you could develop cancer then as long as you could hold off until the next enrollment period, you could sign up and be insured
    Signing up under ACA I get no employer contributions, it wouldn’t save anything.
    But kinda sad that I’d have to hope to develop cancer in order to make health insurance worth while. 
    Isn't that the nature of insurance? You're betting something will go wrong.  They're betting it won't. 
  • mace1229mace1229 Posts: 9,367
    mrussel1 said:
    mace1229 said:
    mace1229 said:
    mace1229 said:
    mace1229 said:
    Zod said:
    So how much does health insurance cost in the US?  I've always been kind of curious what people (which would be interest to compare to the 40% of our tax dollars here in Canada that go to health care).
    Here’s a link to what our local school district offers employees. $1224/month for the cheaper of the 2 options. That’s the employee contribution, the district pays probably about $1000 on top of that too. These are not the details of the plan either, but its titled “HDHP” which stands for “High Deductible Health Plan.” So, as you can imagine, the deductibles are pretty high and the out of pocket expense on top of the monthly premium is pretty high.
    https://www.cherrycreekschools.org/cms/lib/CO50000184/Centricity/Domain/2323/Benefit%20Rates%2021%2022.pdf

    As for the details of what it covers, you can read about it here if you want or here’s a screenshot of the summary.
    https://www.cherrycreekschools.org/cms/lib/CO50000184/Centricity/Domain/2323/Cherry%20Creek%202021%20Guide%208_5.pdf



    Basically nothing is covered u til you spend 12k out of pocket, then it’s all covered.. This is pretty standard for school districts. And most of the info is public you can look up on their website. So it costs a teacher $1224/month for a family and you have to spend $12k out of pocket before the insurance kicks in.you’d be spending 25k a year before insurance kicks in and covers anything. Not to mention the district is using about 12-15k of their funds to supplement it.
    At that point I would purchase the cheapest Obamacare insurance at $200 a month and pay cash for doctor visits.  Holy shit that's horrible.

    Edit:  No Union rep with this?  Teachers should be united around the states to pool for better coverage...
    I looked into that, we weren’t eligible for Obamacare at the time because our employer offers coverage. We have unions. This is pretty standard for teachers in Colorado, all districts are pretty similar for coverage. 
    It's things like that that would make me lose it.

    "I don't want FOP gahdammit, I'm a Dapper Dan Man!"

    They are forcing you to accept something that is just not economically right.
    Yup. It’s gotten worse for us every year since Obamacare. My theory is we legally can’t opt out so why not charge whatever they want. 
    If you think about car insurance, it might cost $1000 a year and you may go several years without needed it. But that year your truck gets stolen, you are really glad you have it and think you’d be out 20k if you let it lapse.
    The way our medical is, the only way I’ll be glad I have it is if we get some $80k medical bill. Even the cost of having a kid, or rack up $20k in bills with an ER visit, we would still have saved money that year by not having insurance. Literally the only way I will save money with it is if we have over 25k in medical bills in 1 year.  And even if I end up with an 80k bill, that still won’t make up for the 10 years we overpaid by 20k for minimal service.
    But yet we don’t have options and I legally have to buy it.

    Its designed to make the insurance companies a lot of money and not protect the insured. Many hospitals charge a fraction of the billed amount if you offer cash, because an MRI doesn’t have to cost 5k. But that’s what the insurance will bill you.
    and under the ACA there are no pre-existing conditions....so you could develop cancer then as long as you could hold off until the next enrollment period, you could sign up and be insured
    Signing up under ACA I get no employer contributions, it wouldn’t save anything.
    But kinda sad that I’d have to hope to develop cancer in order to make health insurance worth while. 
    Isn't that the nature of insurance? You're betting something will go wrong.  They're betting it won't. 
    To some extent, yes. I just don’t agree it should be forced at such extreme odds. The plan I shared above, for teachers in Denver, costs $1224 a month and doesn’t cover anything until you spend an additional $12k out of pocket for your deductible. At that cost, it should kick in way before that. 
    I shared earlier even when we had a baby it would have been better off to be uninsured. And my wife spent 3 nights in the hospital and our kid I think had to do 5 because of jondis and other things. After our copays and premiums, we still would have spent less just being uninsured and paying the bill ourselves.
    That’s like having a car worth 40k, paying $500 a month for insurance and having a deductible of 30k. The only way you’d benefit is if the car is stolen or totaled, but for $500 a month it should cover the damage in a fender-bender too. The risk/reward is way out of wack. I wouldn’t have car insurance if that’s all that was available.
  • jpgoegeljpgoegel Posts: 412
    Poncier said:
    jpgoegel said:
    MA is at the uh oh stage again.  Time to wrap up in bubble wrap and dont fall down on the ice

    https://www.wgbh.org/news/local-news/2022/01/04/no-icu-beds-left-massachusetts-hospitals-are-maxed-out-as-covid-continues-to-surge
    Alarmist reporting, perhaps?

    On yesterday's dashboard there were 441 patients reported in ICU from Covid.
    April of 2020 there were 1,089.
    My guess is there is some capacity in the state somewhere.
    Obviously, things aren't going well currently, but I think this article is overdramatizing the situation.
    could be, for sure.   im not sure where those stats are located.   i just pay attention, or more so where to look for my kids school numbers. 
  • jpgoegeljpgoegel Posts: 412
    jpgoegel said:
    MA is at the uh oh stage again.  Time to wrap up in bubble wrap and dont fall down on the ice

    https://www.wgbh.org/news/local-news/2022/01/04/no-icu-beds-left-massachusetts-hospitals-are-maxed-out-as-covid-continues-to-surge
    Alarmist reporting, perhaps?

    On yesterday's dashboard there were 441 patients reported in ICU from Covid.
    April of 2020 there were 1,089.
    My guess is there is some capacity in the state somewhere.
    Obviously, things aren't going well currently, but I think this article is overdramatizing the situation.
    doesnt have today's numbers but im guessing this is where to go?   looks on par with your numbers

    https://www.mass.gov/info-details/covid-19-response-reporting


  • ZodZod Posts: 10,588
    So it sounds like both the Canadian systems and US system are kind of f'd.

    Here in Canada, because of the lack of Doctors, I'm unlikely to catch or have something looked before it gets to the point it's irreversable (this is starting to happen a lot here).  No GPs, no annual doctor visits etc, you kind of go until your fucked, and then its too late.

    The US has big insurance premiums and big deductibles, so you're basically paying that stuff out of pocket.  Between the premiums and deductables it sounds like it would cost me about double of the 40% of my taxes that go to health care.

    seems like both systems are kind of rubbish.
  • PoncierPoncier Posts: 16,925
    jpgoegel said:
    jpgoegel said:
    MA is at the uh oh stage again.  Time to wrap up in bubble wrap and dont fall down on the ice

    https://www.wgbh.org/news/local-news/2022/01/04/no-icu-beds-left-massachusetts-hospitals-are-maxed-out-as-covid-continues-to-surge
    Alarmist reporting, perhaps?

    On yesterday's dashboard there were 441 patients reported in ICU from Covid.
    April of 2020 there were 1,089.
    My guess is there is some capacity in the state somewhere.
    Obviously, things aren't going well currently, but I think this article is overdramatizing the situation.
    doesnt have today's numbers but im guessing this is where to go?   looks on par with your numbers

    https://www.mass.gov/info-details/covid-19-response-reporting

    Yep, that's the state dashboard, updated daily (Monday-Friday) at 5PM. Shows data through previous day, so the 427 number is a drop from Tuesday's report of 441 ICU patients.
    This weekend we rock Portland
  • jpgoegeljpgoegel Posts: 412
    excellent!   learn something every day, gracias
  • Yay! Fly them home on a military C-130, make them pay for it, quarantine them in a military hanger upon arrival and put them on a no-fly list. Or, let them figure out how to get home.

    Partying passengers stuck in Mexico after airlines decline to fly them home | CNN Travel
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  • Meltdown99Meltdown99 Posts: 10,739
    They are Canadian, it’s cold here in January.  Threatening to leave a Canadian in Mexico in January is not much of a threat.   Drag their ass back so they can freeze like the rest of us…
    Give Peas A Chance…
  • They are Canadian, it’s cold here in January.  Threatening to leave a Canadian in Mexico in January is not much of a threat.   Drag their ass back so they can freeze like the rest of us…
    I'd imagine it'd get expensive and it'd be difficult to go to work or school or to keep your job or enrollment. Or feed the cat. Maybe these folks are members of the glitterati and don't have such concerns?
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  • They are Canadian, it’s cold here in January.  Threatening to leave a Canadian in Mexico in January is not much of a threat.   Drag their ass back so they can freeze like the rest of us…
    I'd imagine it'd get expensive and it'd be difficult to go to work or school or to keep your job or enrollment. Or feed the cat. Maybe these folks are members of the glitterati and don't have such concerns?
    I'll let you know. My sister went to mexico Dec 25 and came back Jan 1. her friend's husband tested positive before the flight back, so he had to stay. I'll be interested to know what happens. 
    new album "Cigarettes" out Spring 2025!

    www.headstonesband.com




  • Meltdown99Meltdown99 Posts: 10,739
    It was a charter flight and I think they were influencers...i think they can make youtube videos and whatnot on a beach in Mexico...there is not a good reason to want go back to Quebec anytime soon.  They are locked down with a curfew...
    Give Peas A Chance…
  • They are Canadian, it’s cold here in January.  Threatening to leave a Canadian in Mexico in January is not much of a threat.   Drag their ass back so they can freeze like the rest of us…
    I'd imagine it'd get expensive and it'd be difficult to go to work or school or to keep your job or enrollment. Or feed the cat. Maybe these folks are members of the glitterati and don't have such concerns?
    I'll let you know. My sister went to mexico Dec 25 and came back Jan 1. her friend's husband tested positive before the flight back, so he had to stay. I'll be interested to know what happens. 
    oh, you guys are specifically talking about THAT flight. I thought you just meant travelling in general. yeah, my sister wasn't on that flight. lol
    new album "Cigarettes" out Spring 2025!

    www.headstonesband.com




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