Viruses / Vaccines

mrussel1

tempo_n_groove said:

mrussel1 said:

tempo_n_groove said:

mace1229 said:

tempo_n_groove said:

mace1229 said:

HughFreakingDillon said:

Meltdown99 said:

static111 said:

Meltdown99 said:

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. 

Gern Blansten

Meltdown99 said:

Average Canadians pay 42.5 per cent of their income in taxes:

That's just income tax.  Now let's talk property tax, carbon tax, sales taxes, gas taxes, payroll taxes (which just got increased) and I'm sure there are many more being left out...Canada is so overtaxed our healthcare should be running like a well-oiled machine, not like a Russian Lada...

Politicians in Canada have never met a tax they did not like and eventually con Canadians into accepting as somehow beneficial...

LOL....did you even read that?  It says it is all inclusive. Canada is below the US in the rankings of taxation by country.

Gern Blansten

mrussel1 said:

tempo_n_groove said:

mrussel1 said:

tempo_n_groove said:

mace1229 said:

tempo_n_groove said:

mace1229 said:

HughFreakingDillon said:

Meltdown99 said:

static111 said:

Meltdown99 said:

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. 

We have been using Obamacare/ACA since it started. Very happy with it....premiums suck but it is good insurance.

We just recently moved my two remaining kids (21 and 20) off of our plan and onto their own.  My 20 year old's premium was $210/month all offset by subsidy.  My 21 year old doesn't yet make enough for subsidy so she defaults to the state plan which costs like $20/month.

It saved me $600/month to move them off on their own.

Meltdown99

Gern Blansten said:

Meltdown99 said:

Average Canadians pay 42.5 per cent of their income in taxes:

That's just income tax.  Now let's talk property tax, carbon tax, sales taxes, gas taxes, payroll taxes (which just got increased) and I'm sure there are many more being left out...Canada is so overtaxed our healthcare should be running like a well-oiled machine, not like a Russian Lada...

Politicians in Canada have never met a tax they did not like and eventually con Canadians into accepting as somehow beneficial...

LOL....did you even read that?  It says it is all inclusive. Canada is below the US in the rankings of taxation by country.

And why should people give 50 of their income tongue fucking government?  

Ledbetterman10

Meltdown99 said:

Gern Blansten said:

Meltdown99 said:

Average Canadians pay 42.5 per cent of their income in taxes:

That's just income tax.  Now let's talk property tax, carbon tax, sales taxes, gas taxes, payroll taxes (which just got increased) and I'm sure there are many more being left out...Canada is so overtaxed our healthcare should be running like a well-oiled machine, not like a Russian Lada...

Politicians in Canada have never met a tax they did not like and eventually con Canadians into accepting as somehow beneficial...

LOL....did you even read that?  It says it is all inclusive. Canada is below the US in the rankings of taxation by country.

And why should people give 50 of their income tongue fucking government?  

Tongue Fucking Government sounds like it could be a song by The Coup

Gern Blansten

Meltdown99 said:

Gern Blansten said:

Meltdown99 said:

Average Canadians pay 42.5 per cent of their income in taxes:

That's just income tax.  Now let's talk property tax, carbon tax, sales taxes, gas taxes, payroll taxes (which just got increased) and I'm sure there are many more being left out...Canada is so overtaxed our healthcare should be running like a well-oiled machine, not like a Russian Lada...

Politicians in Canada have never met a tax they did not like and eventually con Canadians into accepting as somehow beneficial...

LOL....did you even read that?  It says it is all inclusive. Canada is below the US in the rankings of taxation by country.

And why should people give 50 of their income tongue fucking government?  

well let's see....roads, bridges, health care, security

Meltdown99

Gern Blansten said:

Meltdown99 said:

Average Canadians pay 42.5 per cent of their income in taxes:

That's just income tax.  Now let's talk property tax, carbon tax, sales taxes, gas taxes, payroll taxes (which just got increased) and I'm sure there are many more being left out...Canada is so overtaxed our healthcare should be running like a well-oiled machine, not like a Russian Lada...

Politicians in Canada have never met a tax they did not like and eventually con Canadians into accepting as somehow beneficial...

LOL....did you even read that?  It says it is all inclusive. Canada is below the US in the rankings of taxation by country.

Also I already stated I’m not comparing canada to the US…the world doesn’t revolve around the US even though you think it goes.

The entire discussions is around Canadas Poorly funded publicly administered healthcare system…a system in which if you showed 
up at the doc and the doc told you your surgery was at lesst 6 months to a year away you’d whine like a bitch…you don’t no fuck all about the canadian healthcare system…but you think you DO…

Gern Blansten

Meltdown99 said:

Gern Blansten said:

Meltdown99 said:

Average Canadians pay 42.5 per cent of their income in taxes:

That's just income tax.  Now let's talk property tax, carbon tax, sales taxes, gas taxes, payroll taxes (which just got increased) and I'm sure there are many more being left out...Canada is so overtaxed our healthcare should be running like a well-oiled machine, not like a Russian Lada...

Politicians in Canada have never met a tax they did not like and eventually con Canadians into accepting as somehow beneficial...

LOL....did you even read that?  It says it is all inclusive. Canada is below the US in the rankings of taxation by country.

Also I already stated I’m not comparing canada to the US…the world doesn’t revolve around the US even though you think it goes.

The entire discussions is around Canadas Poorly funded publicly administered healthcare system…a system in which if you showed 
up at the doc and the doc told you your surgery was at lesst 6 months to a year away you’d whine like a bitch…you don’t no fuck all about the canadian healthcare system…but you think you DO…

I don't think YOU realize that we have the same wait times.  But on top of that you have to liquidate all of your savings.

Halifax2TheMax

mrussel1 said:

tempo_n_groove said:

mrussel1 said:

tempo_n_groove said:

mace1229 said:

tempo_n_groove said:

mace1229 said:

HughFreakingDillon said:

Meltdown99 said:

static111 said:

Meltdown99 said:

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.

Meltdown99

Perhaps people should not discuss socialized healthcare in Canada unless they used it…

Because for the amount of taxes we pay in this country we are getting cheated…

Meltdown99

Gern Blansten said:

Meltdown99 said:

Gern Blansten said:

Meltdown99 said:

Average Canadians pay 42.5 per cent of their income in taxes:

That's just income tax.  Now let's talk property tax, carbon tax, sales taxes, gas taxes, payroll taxes (which just got increased) and I'm sure there are many more being left out...Canada is so overtaxed our healthcare should be running like a well-oiled machine, not like a Russian Lada...

Politicians in Canada have never met a tax they did not like and eventually con Canadians into accepting as somehow beneficial...

LOL....did you even read that?  It says it is all inclusive. Canada is below the US in the rankings of taxation by country.

Also I already stated I’m not comparing canada to the US…the world doesn’t revolve around the US even though you think it goes.

The entire discussions is around Canadas Poorly funded publicly administered healthcare system…a system in which if you showed 
up at the doc and the doc told you your surgery was at lesst 6 months to a year away you’d whine like a bitch…you don’t no fuck all about the canadian healthcare system…but you think you DO…

I don't think YOU realize that we have the same wait times.  But on top of that you have to liquidate all of your savings.

You don’t understand.  I don’t give a shit about the US system…I live system on a daily basis. It’s poorly funded and poorly administered. 

And once again the government does not have the right to that much of ones income…

tempo_n_groove

Halifax2TheMax said:

mrussel1 said:

tempo_n_groove said:

mrussel1 said:

tempo_n_groove said:

mace1229 said:

tempo_n_groove said:

mace1229 said:

HughFreakingDillon said:

Meltdown99 said:

static111 said:

Meltdown99 said:

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.

Wow.  My obamacare has gone up 10-20% in cost every year.  Lowest was a 13% increase one year...

mrussel1

Halifax2TheMax said:

mrussel1 said:

tempo_n_groove said:

mrussel1 said:

tempo_n_groove said:

mace1229 said:

tempo_n_groove said:

mace1229 said:

HughFreakingDillon said:

Meltdown99 said:

static111 said:

Meltdown99 said:

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.

I think the upward curve may have slowed, but I think it still outpaces inflation by a good margin.  However I haven't looked in a while.  To be clear, that's not a dig at Obamacare.  Having more people insured through Obamacare does not affect rates that employers pay/charge since they are in their own pool of risk.  Of course that was the bs that was peddled for years. 

Halifax2TheMax

tempo_n_groove said:

Halifax2TheMax said:

mrussel1 said:

tempo_n_groove said:

mrussel1 said:

tempo_n_groove said:

mace1229 said:

tempo_n_groove said:

mace1229 said:

HughFreakingDillon said:

Meltdown99 said:

static111 said:

Meltdown99 said:

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.

Wow.  My obamacare has gone up 10-20% in cost every year.  Lowest was a 13% increase one year...

The effect of Obamacare on my employer provided healthcare (2/3-1/3) slowed the annual increase in cost, year over year, with some years being flat but with no loss in benefits. I’m not in Obamacare, to clarify.

Gern Blansten

Meltdown99 said:

Perhaps people should not discuss socialized healthcare in Canada unless they used it…

Because for the amount of taxes we pay in this country we are getting cheated…

And those that aren't in the US system shouldn't envy it.  It sucks.

mrussel1

Gern Blansten said:

Meltdown99 said:

Perhaps people should not discuss socialized healthcare in Canada unless they used it…

Because for the amount of taxes we pay in this country we are getting cheated…

And those that aren't in the US system shouldn't envy it.  It sucks.

Our care is wonderful, I'm sure it's the best or among the best in teh world.  The issue is the cost, which is because we have the insurance companies sitting in the middle, taking their vig.  I would not trade our care for anything in the world. 

tempo_n_groove

Halifax2TheMax said:

tempo_n_groove said:

Halifax2TheMax said:

mrussel1 said:

tempo_n_groove said:

mrussel1 said:

tempo_n_groove said:

mace1229 said:

tempo_n_groove said:

mace1229 said:

HughFreakingDillon said:

Meltdown99 said:

static111 said:

Meltdown99 said:

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.

Wow.  My obamacare has gone up 10-20% in cost every year.  Lowest was a 13% increase one year...

The effect of Obamacare on my employer provided healthcare (2/3-1/3) slowed the annual increase in cost, year over year, with some years being flat but with no loss in benefits. I’m not in Obamacare, to clarify.

Yes that is great for company insurance.  For what I have read, the drastic increases were to get up to par with the subsidizing costs.  My income bracket says I can afford X and that helps out the others in the system that do not make what I do.

Halifax2TheMax

tempo_n_groove said:

Halifax2TheMax said:

tempo_n_groove said:

Halifax2TheMax said:

mrussel1 said:

tempo_n_groove said:

mrussel1 said:

tempo_n_groove said:

mace1229 said:

tempo_n_groove said:

mace1229 said:

HughFreakingDillon said:

Meltdown99 said:

static111 said:

Meltdown99 said:

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.

Wow.  My obamacare has gone up 10-20% in cost every year.  Lowest was a 13% increase one year...

The effect of Obamacare on my employer provided healthcare (2/3-1/3) slowed the annual increase in cost, year over year, with some years being flat but with no loss in benefits. I’m not in Obamacare, to clarify.

Yes that is great for company insurance.  For what I have read, the drastic increases were to get up to par with the subsidizing costs.  My income bracket says I can afford X and that helps out the others in the system that do not make what I do.

What drastic increases are you referring to and for which type of insurance, private employer provided, individual employed or Obamacare? I’m not understanding.

Zod

Gern Blansten said:

Meltdown99 said:

Perhaps people should not discuss socialized healthcare in Canada unless they used it…

Because for the amount of taxes we pay in this country we are getting cheated…

And those that aren't in the US system shouldn't envy it.  It sucks.

As a Canadian I look on the US system as a system of means.  If you have the means it can be a great system, if you don't have the means it can leave you bankrupt, or prevent you from seeking help.

I'm struggling up here in Canada.  Our health care system has fallen apart.  Before Covid you couldn't get a family doctor (GP).  You're only solution was a walkin clinic, but they usually had 3 or 4 hour line ups.   If you need something operated on, it could take months or years to get from specialist to an operating table.   Now with Covid, walk in clinics are are write off too.   The only way to see a doctor is on videochat apps.   We're starting to see the ramifications.   People are dying because they're procedures (or cancer treatments) are getting delayed.  People don't have doctors to see, so cancers aren't being caught until much later when they aren't as treatable.

I keep asking myself... am I better off with the Canadian system?   If I paid $30000 income tax and 40% of our tax dollars goes to health care, how much coverage would $12,000/year buy me in insurance coverage in the US?   Or if I could opt not to contribute, how much would need to top it up to get decent insurance?

The Canadian system is broken and we're facing a head on crisis with trying to maintain support for our aging population... sigh...

mrussel1

Halifax2TheMax said:

tempo_n_groove said:

Halifax2TheMax said:

tempo_n_groove said:

Halifax2TheMax said:

mrussel1 said:

tempo_n_groove said:

mrussel1 said:

tempo_n_groove said:

mace1229 said:

tempo_n_groove said:

mace1229 said:

HughFreakingDillon said:

Meltdown99 said:

static111 said:

Meltdown99 said:

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.

Wow.  My obamacare has gone up 10-20% in cost every year.  Lowest was a 13% increase one year...

The effect of Obamacare on my employer provided healthcare (2/3-1/3) slowed the annual increase in cost, year over year, with some years being flat but with no loss in benefits. I’m not in Obamacare, to clarify.

Yes that is great for company insurance.  For what I have read, the drastic increases were to get up to par with the subsidizing costs.  My income bracket says I can afford X and that helps out the others in the system that do not make what I do.

What drastic increases are you referring to and for which type of insurance, private employer provided, individual employed or Obamacare? I’m not understanding.

He means Obamacare, saying that because of the subsidies for lower income people (but above medicaid), people with higher income are helping to offset with higher premiums.  That would be invisible in the average costs when evaluating.