John McCain's health care plan

jimed14

From John McCain.com

http://www.johnmccain.com/Informing/Issues/19ba2f1c-c03f-4ac2-8cd5-5cf2edb527cf.htm

John McCain Will Reform The Tax Code To Offer More Choices Beyond Employer-Based Health Insurance Coverage. While still having the option of employer-based coverage, every family will receive a direct refundable tax credit - effectively cash - of $2,500 for individuals and $5,000 for families to offset the cost of insurance. Families will be able to choose the insurance provider that suits them best and the money would be sent directly to the insurance provider. Those obtaining innovative insurance that costs less than the credit can deposit the remainder in expanded Health Savings Accounts.


So, my question is ... how much is YOUR health care plan? Sure, most of us have our employers paying ... but, if you don't ... or, if they only pay a part ... how much does it cost?

$2,500 for an individual? Does anyone think they can get good healthcare for just around $200 a month?

Milestone

jimed14 wrote:

$2,500 for an individual? Does anyone think they can get good healthcare for just around $200 a month?

No. Not to mention co-pays and your deductible.

wolfbear

We have super insurance through NASE/MEGA Life and Health Ins. Co. The cost is $4,428 per year for both of us. We do have a fairly high deductible though at $5000 per year.

Stone Is God

jimed14 wrote:

$2,500 for an individual? Does anyone think they can get good healthcare for just around $200 a month?

Sure you can. With that you'll be able to go to a seedy walk-in clinic where the doctor got his medical degree from the University of Phoenix On-Line Medical School.

Commy

jimed14 wrote:

From John McCain.com

http://www.johnmccain.com/Informing/Issues/19ba2f1c-c03f-4ac2-8cd5-5cf2edb527cf.htm

John McCain Will Reform The Tax Code To Offer More Choices Beyond Employer-Based Health Insurance Coverage. While still having the option of employer-based coverage, every family will receive a direct refundable tax credit - effectively cash - of $2,500 for individuals and $5,000 for families to offset the cost of insurance. Families will be able to choose the insurance provider that suits them best and the money would be sent directly to the insurance provider. Those obtaining innovative insurance that costs less than the credit can deposit the remainder in expanded Health Savings Accounts.


So, my question is ... how much is YOUR health care plan? Sure, most of us have our employers paying ... but, if you don't ... or, if they only pay a part ... how much does it cost?

$2,500 for an individual? Does anyone think they can get good healthcare for just around $200 a month?

more money in the pockets of insurance companies.

they are the middle man that needs to be cut out.

josevolution

well you know that commercial of how much can you get for a $ ,well that's the same for this plan the dr office might take your blood pressure for that amount it's bogus ........

jked3

This plan, if implemented, would be a complete disaster. Joe Biden was correct last night when he said that it costs about $12K/Year for average health insurance. I was paying $226/Week (~$12K/Year) until my employer finally started covering 100% last year. Under McCain's plan, I'll be paying $226/Week throughout the year (while he taxes that income), then, once per year he's going to give me a tax credit of $5K which isn't shit compared to the actual cost. It makes no sense at all.

Not to mention, once the individual and the family are turned out to negotiate with/battle with the health care providers, they are going to get raped with the costs. Who do you think would get a better price and therefore more affordable health care, the indivdual (1 person - Me) who the insurance companies wouldn't give a shit about if they lost me or the businesses who are bringing them 25 to 50 to 100s of employees who want to be covered under a group plan?

Just another on the long list of reasons why I'm voting for Obama. McCain is a complete train wreck.

anotherclone

Here are my questions about McCain's healthcare program. Maybe you McCain folks can help me with this. How will one go about "shopping" around "across state lines" to find the "best deal" for myself and my family? How will one exactly go about that?

I'm assuming we'd all just go on the internet and do a google or something and look through the friggin thousands of insurance plans that will be available to choose from. From both reliable and lesser known companies. Then I'd compare the thousands of plans on some sort of excel spreadsheet that I'd have to create on my computer. (In my free time of course.)

Either that, or there would suddenly be an influx of insurance brokers that would crop up on the internet (unregulated, or course) that would do that for me. I'd have to pay some sort of fee to them to find the best plan.

Dirtie_Frank

anotherclone wrote:

Here are my questions about McCain's healthcare program. Maybe you McCain folks can help me with this. How will one go about "shopping" around "across state lines" to find the "best deal" for myself and my family? How will one exactly go about that?

I'm assuming we'd all just go on the internet and do a google or something and look through the friggin thousands of insurance plans that will be available to choose from. From both reliable and lesser known companies. Then I'd compare the thousands of plans on some sort of excel spreadsheet that I'd have to create on my computer. (In my free time of course.)

Either that, or there would suddenly be an influx of insurance brokers that would crop up on the internet (unregulated, or course) that would do that for me. I'd have to pay some sort of fee to them to find the best plan.

So you would rather the government be in charge of healthcare?

anotherclone

Dirtie_Frank wrote:

So you would rather the government be in charge of healthcare?

I didn't say that. I am asking how his plan will work. maybe I didn't make my questions clear enough.

Care to take a stab at it an answer my questions anyway?

Dirtie_Frank

anotherclone wrote:

I didn't say that. I am asking how his plan will work. maybe I didn't make my questions clear enough.

Care to take a stab at it an answer my questions anyway?

I misunderstood your question for being a supporter of Obama's socialst helathcare. The last thing I want is the government involved with that. my appologies.

dignin

Dirtie_Frank wrote:

I misunderstood your question for being a supporter of Obama's socialst helathcare. The last thing I want is the government involved with that. my appologies.

so i just posted this in another thread but this is for you... Current estimates put U.S. health care spending at approximately 15% of GDP, the highest in the world. In 2003, approximately 61 million adults, or 35 percent of individuals ages 19 to 64, had either no insurance, sporadic coverage, or insurance coverage that exposed them to high health care costs. According to the Institute of Medicine of the National Academy of Sciences and others, the United States is the only wealthy, industrialized nation that does not provide universal health care. Ya....you definitley dont want Universal health care....that would suck.

Dirtie_Frank

yield6 wrote:

so i just posted this in another thread but this is for you... Current estimates put U.S. health care spending at approximately 15% of GDP, the highest in the world. In 2003, approximately 61 million adults, or 35 percent of individuals ages 19 to 64, had either no insurance, sporadic coverage, or insurance coverage that exposed them to high health care costs. According to the Institute of Medicine of the National Academy of Sciences and others, the United States is the only wealthy, industrialized nation that does not provide universal health care. Ya....you definetly dont want Universal health care....that would suck.

Don't get me wrong everyone needs healthcare but to put the US Government in charge of health care scares me. The last thing I want is them telling me who I can see and where I can go to the hospital.

blackredyellow

Dirtie_Frank wrote:

Don't get me wrong everyone needs healthcare but to put the US Government in charge of health care scares me. The last thing I want is them telling me who I can see and where I can go to the hospital.

But you trust and insurance company to?

I have reservations about universal health care as well, but it really can't be worse than our current system.

Dirtie_Frank

blackredyellow wrote:

But you trust and insurance company to?

I have reservations about universal health care as well, but it really can't be worse than our current system.

True, I currently have great insurance but pay a lot for the insurance, but hey 3 surgeries and a newborn later it was better than nothing.

dignin

Dirtie_Frank wrote:

Don't get me wrong everyone needs healthcare but to put the US Government in charge of health care scares me. The last thing I want is them telling me who I can see and where I can go to the hospital.

I got ya, but thats not how it works. I live under Universal health care here in Canada and i can go to any hospital, walk in clinic that i want in any province. We have our problems, were far from perfect, but im going out on a limb here in saying i got it better then you.

beachdweller

jimed14 wrote:

From John McCain.com

http://www.johnmccain.com/Informing/Issues/19ba2f1c-c03f-4ac2-8cd5-5cf2edb527cf.htm

John McCain Will Reform The Tax Code To Offer More Choices Beyond Employer-Based Health Insurance Coverage. While still having the option of employer-based coverage, every family will receive a direct refundable tax credit - effectively cash - of $2,500 for individuals and $5,000 for families to offset the cost of insurance. Families will be able to choose the insurance provider that suits them best and the money would be sent directly to the insurance provider. Those obtaining innovative insurance that costs less than the credit can deposit the remainder in expanded Health Savings Accounts.


So, my question is ... how much is YOUR health care plan? Sure, most of us have our employers paying ... but, if you don't ... or, if they only pay a part ... how much does it cost?

$2,500 for an individual? Does anyone think they can get good healthcare for just around $200 a month?

Biden stated last night that $12k was the average, but I'm not sure if that's accurate or not, though I tend to think it is. Healthcare is expensive.

know1

jimed14 wrote:

From John McCain.com

http://www.johnmccain.com/Informing/Issues/19ba2f1c-c03f-4ac2-8cd5-5cf2edb527cf.htm

John McCain Will Reform The Tax Code To Offer More Choices Beyond Employer-Based Health Insurance Coverage. While still having the option of employer-based coverage, every family will receive a direct refundable tax credit - effectively cash - of $2,500 for individuals and $5,000 for families to offset the cost of insurance. Families will be able to choose the insurance provider that suits them best and the money would be sent directly to the insurance provider. Those obtaining innovative insurance that costs less than the credit can deposit the remainder in expanded Health Savings Accounts.


So, my question is ... how much is YOUR health care plan? Sure, most of us have our employers paying ... but, if you don't ... or, if they only pay a part ... how much does it cost?

$2,500 for an individual? Does anyone think they can get good healthcare for just around $200 a month?

My wife has a decent plan for about $180 a month.

know1

But again. The real problem is health insurance. Let's do away with all of it except catastrophic and cut out all the costs associated with administering it.

iamica

Commy wrote:

more money in the pockets of insurance companies.

they are the middle man that needs to be cut out.

In complete agreement.

covered in bliss

We have a Blue Cross Blue Shield PPO (family of 4) and we pay a little more than 700.00 a month. The deductible is 500.00 per person.

We had a higher deductible at one point but the monthly payment wasn't -that- much lower.

Brain of J.Lo

So, my question is ... how much is YOUR health care plan? Sure, most of us have our employers paying ... but, if you don't ... or, if they only pay a part ... how much does it cost?

$2,500 for an individual? Does anyone think they can get good healthcare for just around $200 a month?[/quote]

My family is insured through my husband's employer and it costs $700 a month. We have a $20 copay for our PCP and specialists, and $100 for ER visits. And our prescription plan sucks; we pay 50%.

Commy

Brain of J.Lo wrote:

So, my question is ... how much is YOUR health care plan? Sure, most of us have our employers paying ... but, if you don't ... or, if they only pay a part ... how much does it cost?

$2,500 for an individual? Does anyone think they can get good healthcare for just around $200 a month?

My family is insured through my husband's employer and it costs $700 a month. We have a $20 copay for our PCP and specialists, and $100 for ER visits. And our prescription plan sucks; we pay 50%.

health care costs as much as we are willing to tax corporations for pollution, or as much as we decide to cut funding to terror states like Turkey or Colombia.

we could lower taxes and pay for health care for every individual in the US.


Its a choice policy planners have in front of them. Spend US tax dollars to kill or to heal. thye've chosen the former lately, but I think its up to us to force them to choose the latter.

End support for terror regimes, use the money to save american lives, end of story.

Dirtie_Frank

Commy wrote:

health care costs as much as we are willing to tax corporations for pollution, or as much as we decide to cut funding to terror states like Turkey or Colombia.

we could lower taxes and pay for health care for every individual in the US.


Its a choice policy planners have in front of them. Spend US tax dollars to kill or to heal. thye've chosen the former lately, but I think its up to us to force them to choose the latter.

End support for terror regimes, use the money to save american lives, end of story.

How is colombia a terror state?

Indian Summer

I have great health care insurance for my family. However it cost me $800 a month, through my employer. So that's almost 10 grand a year. So that five thousand bucks that McCain is trying to give me, is gonna leave me with about half the coverage that I currently have, and am pleased with. This is why I'm voting for Obama....I think Universal Health Care is the answer, however, I think it will be on the back burner for the first four years.

Commy

Dirtie_Frank wrote:

How is colombia a terror state?

Bill Clinton gave Colombia $2 billion dollars in aid under the guise of fighting the war on drugs. In no stretch of the imigination are apache gunships used to fight a war on drugs, but the package included 50 apache gunships, also training from the SOA. The SOA teaches 'counter' terror tecniques'. which means they teadch how to torture. Columbian military officials have been tied to the paramilitary groups running around the country. The same paramilitary groups who have droppped pregnant women from helicopters, the same groups who have beaten and burned alive able bodied males in certain villlages. Its systematic terror. A Union is born, its leader is assissinated. Labor organizes, they are tortured and killed. A human rights worker gives food to the poor, they call him a saint. HE askes why the poor have no food and they call him a communist.
And the cocaine trade has been tied to Columbian officials, including the Colombian General caught with kilos of cocaine in a Florida airport.


They use US intelligence and surveillance to root out the competition, and their methods are brutal. Needles in the eyes, castration, killing kids in front of parents, its not war, its terror. They go into a villalge and beat and burn every able bodied male, the villalge is left with little choice. THey submit, or are subjected to more terror.


Bottom line. Vote for the US candidate or be subjected to more terror. Terrorism works, as seen in most countries in south and central american.


And according to human rights watch and other human rights groups, Turkey and Colombia are pretty high on the list of states responible for human rights abuses. Higher than Iran, Korea, Iraq. And theese are US allies.

ACCBootlegGoddess

Dirtie_Frank wrote:

Don't get me wrong everyone needs healthcare but to put the US Government in charge of health care scares me. The last thing I want is them telling me who I can see and where I can go to the hospital.

You really need to do some research on universal health care before you open you mouth.
I live in Canada where we have universal health care. We can go to ANY DOCTOR WE WANT...we can go to ANY HOSPITAL WE WANT.
Universal healthcare is about ensuring that ANYONE can get the best possible care at ANY hospital or doctor regardless of their income. The doctors and hospitals bill our heathcare system and the Government sends them the money. This prevents doctors from charging highway robbery for their services and hospitals from gauging people to fatten the wallets of their administrators and/or boardmembers.

Commy

ACCBootlegGoddess wrote:

You really need to do some research on universal health care before you open you mouth.
I live in Canada where we have universal health care. We can go to ANY DOCTOR WE WANT...we can go to ANY HOSPITAL WE WANT.
Universal healthcare is about ensuring that ANYONE can get the best possible care at ANY hospital or doctor regardless of their income. The doctors and hospitals bill our heathcare system and the Government sends them the money. This prevents doctors from charging highway robbery for their services and hospitals from gauging people to fatten the wallets of their administrators and/or boardmembers.

I have an idea. Instead of all of our tax dollars going to the military industrial complex, it should go to health care. France has ZERO people without healthcare. Cuba has zero. Why the fuck don't we?

Pats54

jked3 wrote:

This plan, if implemented, would be a complete disaster. Joe Biden was correct last night when he said that it costs about $12K/Year for average health insurance. I was paying $226/Week (~$12K/Year) until my employer finally started covering 100% last year. Under McCain's plan, I'll be paying $226/Week throughout the year (while he taxes that income), then, once per year he's going to give me a tax credit of $5K which isn't shit compared to the actual cost. It makes no sense at all.

Not to mention, once the individual and the family are turned out to negotiate with/battle with the health care providers, they are going to get raped with the costs. Who do you think would get a better price and therefore more affordable health care, the indivdual (1 person - Me) who the insurance companies wouldn't give a shit about if they lost me or the businesses who are bringing them 25 to 50 to 100s of employees who want to be covered under a group plan?

Just another on the long list of reasons why I'm voting for Obama. McCain is a complete train wreck.

And a plam like Obama's is a GREAT IDEA? These assholes in Govt fuck just about everything up and you want some idiot like Barney Frank determing whether or not you get coverage. I like my current HMO it works well for me and my family. We have turned into a country of a bunch of cry baby's. Look at the whole financial mess we are in. But I am sure evryone on this board plans Bush and the repub's anyways. B/C the Dems never do anything wrong.

dignin

Pats54 wrote:

I like my current HMO it works well for me and my family. We have turned into a country of a bunch of cry baby's.

your fine so fuck everybody else eh? People who cant afford insurance in your country are dying but hey your fine ......so, fuck them. Nice attitude.

fall by the wayside

Pats54 wrote:

And a plam like Obama's is a GREAT IDEA? These assholes in Govt fuck just about everything up and you want some idiot like Barney Frank determing whether or not you get coverage. I like my current HMO it works well for me and my family. We have turned into a country of a bunch of cry baby's. Look at the whole financial mess we are in. But I am sure evryone on this board plans Bush and the repub's anyways. B/C the Dems never do anything wrong.

Attitudes like yours are the reason no progress gets made on critical issues like this. You sound like a McCain-Palin talking point. It's not that the Dems can do no wrong, but when its obvious how Repubs are fucking up the country (they are the ones who have been in charge for the last 8 years of glory) people like you still defend them to the death and run down anyone who at least wants to try and make things better. It is obvious to any non-biased observer that our health care system is broken. McCains answer is to further fuck over the average American in favor of the insurance companies. This is the problem. If wanting a health care system at least as good as Cuba's makes me a cry baby then so be it. Your attitude makes me sick.