John McCain's health care plan

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.

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 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 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.

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 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.

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.

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.

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.