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

Wait there's plans this cheap? I'm paying almost $400 a month and it's incredibly bad STILL.

 

What's it cost to get good medical care??

 

It depends where you live.

 

I can't answer that because the government has so badly distorted the pricing mechanism for healthcare with its excessive intervention into the market.

But you're asking the wrong question. Health insurance isn't supposed to cover routine or foreseeable medical care. Those costs are supposed to be paid for out of pocket. Health insurance is supposed to cover the costs for medical calamities like a horrible car crash or cancer.

Stossel can explain it better than I can.

[ame="http://www.youtube.com/watch?v=kf3MtjMBWx4"]20/20 Sick in America: Whose Body is it Anyway? (1/6) - YouTube[/ame]

 

I don't need it explained to me I remember when the average family could pay their doctors visits out of pocket. The insurance companies, the medical industry, and the best government corporate money can buy fixed that.
　
　
It's really that simple, and both parties have their fingerprints all over the scam.
　
　
But any policy that costs $30 a month can't cover much. An average doctor visit is three times that much, and an emergency room visit where nobody can do anything for you will cost well over $750.00. One overnight stay in the hospital, again providing you with nothing but a bed will set you back more than three nights at a 5 star resort hotel costs. How in the world can $30 cover the costs of anything medical related???
　
$30 won't cover the cost of a Band-Aid at a hospital for the love of Pete!

 

Ifs full insurance.. Dental and Eye.

You can get this as a part time employee as well.

Sorry facts interrupted your rant. Have at it.

 

Wrong.. But thats ok.

 

Wrong. Again.

Its called being part of a Union. Teamsters to be exact. You did know UPS is Union right?

Sorry again to interrupt your rant.

 

No rant, insurance doesn't just pull money out of their arse to cover the actual costs, don't care what their insurance rate is. Where does the money come from to cover the medical cost if this plan covers all those items.
　
　
The government? Other union dues?? Investments? Where?
　
　
If only a few percentage of the people utilizing this service used the benefits 100%, they would go under within a year. What kind of scam is this and who exactly is paying for it?

Sorry but if it sounds too good to be true, then it's probably not a duck.

 

I've been working for UPS for 4 years. I have full insurance. It dont care if you dont believe it. Its called Union dues... UPS picks up the rest of the cost.

 

My wife and I pay about $380/month for a health plan (it's not insurance, and neither is your plan.) That allows us to open an HSA and the provider will provide nothing until we have $2700 out of pocket. That's a Kaiser Permanente health plan. Kaiser, for those who don't know, is a non-profit so they aren't "evil" like you might expect. Though, they tend to emulate government in their ability to waste money. The cost is probably higher than your plan because California piles on regulations and mandates that drastically drive up the cost of medicine. It's the cheapest plan we can get as self-employed people that I know will be quality coverage when we need it most.

I, frankly, am fine with it. $4800 a year gets me significant insurance in the event of a disaster. For the rest, I pay out of pocket, and really, it's not that much. It costs very little to get a physical from a local clinic with quality doctors. Far less than paying more in a health plan to get platinum coverage. $4800 is still high, but it's not the fault of Kaiser. It would be higher if government took over, though I might not see the cost as a bill every month. I'd just pay a lot more in taxes and receive a lot less in service.

 

It probably doesn't cover doctor visits, and if you go to the ER you are going to be paying the first $2500 or so of it.

That's what health insurance should be. If you get cancer and need $100,000 in medical treatment it covers that. The rest of the stuff comes out of your pocket.

 

Unfortunately this isn't the 1960's, the working class no longer get a reasonable share of the profits their work helps create, or wages closely comparable to the cost of living, and the cost of living is about 30 times more expensive than it was then and people make less than they did in comparison, so insurance, the kind your daddy had, isn't what the peasants need today. They need a supplemental insurance that covers the cost of, you know, being alive. I'm not saying it should be that way, but it is how it is.
　
　
When you say insurance today people expect it to cover doctor visits, emergency room visits, etc... since if you are not properly insured, or have a deed to your home ready to sign away, or have a reasonably high volume savings account/retirement fund that can be looted, or make a salary that places you in top three % income bracket, you can be directed away from the actual medical facilities to more suitable medical alternative that you probably wouldn't want to take your dog too.

 

Guess what, health care companies will leave you out in the cold (unless your loaded). Your $105 a month still provides a (*)(*)(*)(*)ty level of care. In Canada, the state-run health care system curb stomps the corporatist bull(*)(*)(*)(*) you Americans call insurance.

It's called compassion. How unfortunate it is that this kind of thinking dominates American Conservatism.

 

I've got medical insurance designed for expats working abroad, It costs me about $900 per year. I'm covered in every country in the world, even if I go back to Australia for a visit,, but this policy doesn't cover me in America.

The reason for this, the high costs of medical treatment in America (I have emailed my insurance company and this was their answer).

The reason for the high costs of medical treatment in America? The extremely high costs of indemnity insurance for medical workers. This also came from my insurance company.

 

So what this thread has established, really, is that republicans don't know how much health insurance costs.

 

Care to elaborate on that?

 

Let us know when you venture outside of your fringe leftist bubble.

 

Entirely false, obviously...

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Yep, similar experience - sister had open heart surgery a year back. She was in hospital close to a month, and went to rehab a few times a week for a number of months. Had a district nurse out to see her every day for eight weeks.
The cost? Zero. If she had private insurance, she'd be broke right now because if you become seriously ill while under private cover, your premiums rise so much its almost impossible to get coverage for the following year.

Public hospitals are brilliant, would never go private.

 

(*)(*)(*)(*) compassion, compassion is overrated and expensive.

 

I believe there is incentive for this high deductible plan, normally company will match employees' HSA contribution. The amount is varied, some companies could give as much as $2,500/annually.

It's just another option for young and healthy folks.

I dont quite understand your last sentence has anything to do with it...if they chose high deductible plan, they're required to open HSA (health savings account), they can use that money to cover med bills. If they don't use it up in current year, it will rollover to next year...it's their money, they CAN only use them for med expenses...

 

I have said repeatedly that i have health insurance that includes dental and eye care for $30 a month in union dues. You said that cant be. Well you are wrong. Simple. Local 170 in Mass. Look it up.

Blue Choice New England Plan 2

 

I pay $36 a month for my health plan and my employer contributes $1000 per year to my Health Savings Account. Since I'm not the type that goes to the doctor every time I get a sniffle, it is more than adequate. It covers 100% of preventative care and I'm covered if I ever get seriously injured or contract a debilitating disease. A higher priced plan would just cost me more money overall for coverage that I wouldn't be using anyway.

 

Compassion doesn't involve advocating violence be done to strangers in order to take from them the fruits of their labor and their property in order to gain a benefit for yourself.