Why do People Settle for $22 a month Medical Insurance?

No mater what policy is put in place or what promises a politician makes or how cheap it becomes or how much we try and spend on healthcare we will never even come close to providing as much health care as people want.

 

There isn't?

In what sense? Not enough bandages? Not enough drugs? Not enough doctors? Not enough what?

 

Sure there is, just legalize it.

 

A health "insurance" plan that costs an individual $100 a month is not actual insurance. Real insurance is an indemnity against medical calamity; it's not for routine or foreseeable medical care. The latter type of care should be paid for by the consumer, preferably withdrawn from a healthcare savings account. Of course, the central bank has made it impossible for individuals to earn a decent amount of interest on their savings, so I can see why no one is really interested in doing that.

 

No, you should drop the healthcare plan you have and purchase actual health insurance, assuming your state government actually allows you to purchase true-blue health insurance.

Real health insurance is typically referred to as "catastrophic coverage" by most insurance companies and those kinds of plans can cost as little as $40-$50 a month. Of course, these plans will not pay for routine or foreseeable medical care, but that's not the purpose of insurance. Such costs are your responsibility and starting a personal health savings account would be the best option to cover those costs.

 

No, it's not a scam. It's a service that is offered to individuals in exchange for compensation. In other words, it's fundamentally no different than any other profession.

Was this a "comprehensive" coverage plan or a catastrophic coverage plan? If it was the former, then you have no one to blame but yourself for getting hosed.

And just curious, when you had your "serious back injury", who fixed it for you?

 

Stupidest post of the century award right there, folks!!

 

It depends on the state you live in and the regulatory requirements (re: burdens) that are imposed on insurance companies. In Illinois, I can get catastrophic coverage for about $50 a month. In California, they do not even offer those kinds of plans because the state government simply doesn't allow it.

This is one reason why libertarians are always harping on legalizing buying insurance across state lines.

 

Ahh, what Obama refers to as a 'race to the bottom'.

Because most people, if given a choice, would choose the cheapest catastrophic care coverage. Let's face it, for most of us such coverage makes the most sense.

It's funny how the state can justify intervening to force people to make poor economic choices.

 

Americans are such big tools.

Y'all enjoy your "healthcare" that drives people into the arms of inadequate care and overall personal bankruptcy. Oh, and all of that at about 17% of GDP.

LOL!

How can a entire nation be so stupid?!

 

No one will die from a broken hip. Waiting a few days isn't a big deal for something that isn't life threatening.

 

Did she check her medical insurance would cover her before she left America?

Some years ago our daughter had a horrific car accident. Ferried to hospital in a paramedic ambulance. Admitted in a critical condition, a specialist surgeon was summond, nine hours on the operating table and a two week stay in hospital. Physio, trauma councelling for three months, all meds etc,, and the cost? Nichts, zilch. No money ever changed hands.

She was admitted as a public patient.

 

no that is not how europe works, those who contribute the most to society or rich parasites who exploit the poor should pay the most.

this country has moved unhealthy to reward wealthy people over poor in health care.

 

Mak , have you ever had a broken hip ?

 

SM;

OK according to your website, $200 is the cheapest of 95 companies that range from $200.00- over $800 for individual care. Not a family, individual. So my quote was average even on your site. It also doesn't provide any info as to what these policies actually cover, if I can use my own doctor, co-pay info or not much of anything else. I guess you have to buy it to find out what it does or doesn't cover. For all I know a common cold may be the biggest thing it covers. I think I'll stick with the reputable insurance provider, which means you get to pay more. Isn't that what you said people should do???
　
No $50 insurance available to anyone like they said on their own website, no $20 insurance like you claimed to be available and it’s not even claimed on that website, and no $100 policy available to anyone who applies either. Looks like we know who is lying now.

 

UPS in Mass offers insurance for $30 a month in Union Dues. Its $44 a month in CT.


EGADS you might have to work!

 

Ayuh,.... If ya really want to see the effects of what Obocare is bringing to a state near yourself,...
Do yer insurance search in the Progressive Liberal state of New York...

Here, the cheapest policy to be found is state subsidized insurance, at just under $400. a month,...
Which of course, isn't available to folks such as myself, who actually have a job, 'n Work for a living...

What IS available, runs from $1200. a month, 'n Up...
Well over Double what I'm paying on 2 mortgages...almost Triple...

You see, here in the Progressive Liberal state of New York, insurance isn't mandated for everybody to buy it, but it Is mandatory that the insurance companies MUST cover Everybody insured, for EVERYTHING...

Gone are the days when a policy could be bought to cover Catastrophic health care...
I don't want insurance that pays for splinters in my fingers, nor office visits, nor regular test or exams...
I have no problem paying such things out of pocket...
I want insurance that'll cover a Heart Attack, or MAJOR health issues...

The Problem I see is, people seems to think health Insurance is Pre-paid Medical,...
Not INSURANCE...
Health Insurance shouldn't be pre-paid medical, anymore than Home Owner's Insurance should pay for a worn out roof...

'ell,... My local dumbassed(aka; Democrat) state Rep is pushing a bill in the assembly MANDATING the insurance companies pay for Baby Food for christ's sake...

No f(*)(*)(*)in' wonder folks such as myself Can't afford buy health insurance...

 

Absolutely not true, Mak.

http://ukpmc.ac.uk/abstract/MED/6723159/reload=0;jsessionid=5vf1GIUwqRZzEsZS7Agh.123

"This retrospective analysis of 406 patients with proximal femoral fractures was designed to identify both the significant and nonsignificant risk factors that influence patient mortality. The 399 patients treated by open reduction and internal fixation or femoral head prostheses routinely received prophylactic antibiotics and anticoagulants. Of 406 patients followed until death or for at least one year, the overall mortality rate at one year was 14% (58/406). For patients with subcapital fractures the rate was 13% (25/187) and with intertrochanteric fractures 15% (33/219). The expected mortality rate for the normal population of similar age was about 9%. Sex, treatment of subcapital fracture by either internal fixation or arthroplasty, and the level of postoperative ambulation did not influence mortality. The number of preexisting medical conditions and the time of surgery following admission were highly significant factors (p less than or equal to 0.001 for both)."​

 

Perhaps not, but that person will be in in intense pain and unable to look after themselves. Thus, if elderly, which is likely with a broken hip, will need home care.
Who pays?

If it were an able bodied working person, their absence from the economy is only aggravated; multiplied a few thousand times across another thousand injuries etc., and you have a problem.

Waiting lists have been an issue in ever UHC system including Canada. While the worst of the problems have been fixed, health care economists are bracing and trying to forecast the Baby boom hospital room boom. Previous laxity over the problem has shown that the impact of waiting lists on the over all is significant.

 

Oh god...

If you cant afford your own well being, WHY WOULD YOU HAVE BABIES??

SOMEONE PAYS FOR THAT "UNIVERSAL SYSTEM" are you joking?

 

I swear you point out how unfree many of the poor are :/

 

Which covers what exactly, a physical once a year??? No that couldn't be right, a physical would cost 2-3 times that much if no tests are required.

Worked since I was 12. Save the stupid comments for your drinking buddies. They have to accept you.

 

Yep!!!!!!!!!

 

People absolutely can die from a broken hip, especially if they are elderly or suffering from complications of comorbidity.

Tell us that when you've broken your hip.

 

It covers the costs of catastrophic medical care, which is the actual purpose of insurance. Any plan that covers routine medical care like an annual physical is not real insurance but some kind of alternative healthcare plan.