Well, I never get into political discussions, but this one hits home.
I agree w both of you guys for the most part, especially about the major medical vs covering every sniffle and sneeze.
And the AHA is getting into good people's pockets when it shouldn't, but it's also a decent attempt to keep the indigents from stiffing the emergency room every time. Problem is, govt is picking up the tab either way, but this way generates some revenue to cover. And because it's "insurance" you're paying based on the law of averages.
There's about 1000000 reasons medical costs are so high and part of it is those $800 in grown toe nail bills. Family doctor doesn't do sh!t anymore except write referrals and prescriptions. That toe nail should be 1hr of your doctors time at say $250-300.
However it is "insurance" and until the laws change about being able to refuse someone medical care if they don't have a valid means of payment, it needs to be mandatory, or costs will keep skyrocketing more to cover those that don't have any "collateral" when they get medical care.
Unfortunately your insurance premium is also helping pay a better than avg chunk of my wife's healthcare and is the reason you, regardless of who you are, should have it.....for the unexpected. Fortunately I have a good employer insurance plan, because we've probably racked up $2mil in medical bills centered in and around my middle aged wife's heart problems.
With medicine being ever advanced, there's very few "well we've done what we can, sorry you're probably not going to make it" scenarios any more. And the further you get into a bad conditions, the more the costs multiply quick.
So again, if you know you or your family are NEVER going to experience what we're going through now, then no insurance is great. But do you KNOW that or are you willing to play to odds to pay out of pocket if it happens and not just default when your bills get to be more than you could ever pay back?
That said, that penalty posted above if it was really only for a one month lapse with no side story is complete bs.
I agree w both of you guys for the most part, especially about the major medical vs covering every sniffle and sneeze.
And the AHA is getting into good people's pockets when it shouldn't, but it's also a decent attempt to keep the indigents from stiffing the emergency room every time. Problem is, govt is picking up the tab either way, but this way generates some revenue to cover. And because it's "insurance" you're paying based on the law of averages.
There's about 1000000 reasons medical costs are so high and part of it is those $800 in grown toe nail bills. Family doctor doesn't do sh!t anymore except write referrals and prescriptions. That toe nail should be 1hr of your doctors time at say $250-300.
However it is "insurance" and until the laws change about being able to refuse someone medical care if they don't have a valid means of payment, it needs to be mandatory, or costs will keep skyrocketing more to cover those that don't have any "collateral" when they get medical care.
Unfortunately your insurance premium is also helping pay a better than avg chunk of my wife's healthcare and is the reason you, regardless of who you are, should have it.....for the unexpected. Fortunately I have a good employer insurance plan, because we've probably racked up $2mil in medical bills centered in and around my middle aged wife's heart problems.
With medicine being ever advanced, there's very few "well we've done what we can, sorry you're probably not going to make it" scenarios any more. And the further you get into a bad conditions, the more the costs multiply quick.
So again, if you know you or your family are NEVER going to experience what we're going through now, then no insurance is great. But do you KNOW that or are you willing to play to odds to pay out of pocket if it happens and not just default when your bills get to be more than you could ever pay back?
That said, that penalty posted above if it was really only for a one month lapse with no side story is complete bs.
Non-tobacco user with low bodyfat, yet my monthly premium rises 250% in 2 years. The only people this **** is affordable to are the deadbeats that my *** is subsidizing. Going to raise the deductible much higher next year, the monthly premium will still probably go up.
