Medical Insurance

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  #1  
Old 08-03-09, 10:17 PM
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Medical Insurance

I've been trying to stay away from the political talk shows but I do watch a few minutes now and then. All I'm hearing now is the insurance companies are the evil ones, 'everyone' hates the insurance companies.

What drives me crazy is nobody mentions the outrageous prices the hospitals, doctors etc charge. It's always the insurance companies they cry about. I don't have a clue.**

My little brother was working on his car and received a small burn on his wrist. Well....little sister said he must go to the emergency room. They put some salve on it, gave him a tetanus shot and sent him home. The bill was $800!! For many people that is a weeks wages.

I'm sure once it is run through his insurance company the bill will be reduced to less than $200 but the poor smuck without insurance will end up with an $800 bill.


Baldwin

** I do have a clue. Our fine politicians, on both sides, are so indebted to the doctors, hospitals and insurance companies they will do nothing but give some lip service for the home folks to make them think they care. It's all about the $$$$$ folks.
 
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Old 08-04-09, 03:55 AM
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Well, keep listening. It won't be long. The government is proposing controlling the profits of hospitals, and how much a doctor can make. Insurance companies will become less and less competitive, will close their doors and we will have a single payer insurance company (called "the government") . It won't be a matter of affording the health care; you won't be able to get it. Doctors will leave their practices, leave the hospitals without surgerons, ER doctors, etc. and there will only be a handful of them to handle the great population. Just ask anyone from Canada or GB how they like their system. That's where we're headed.
Our health care system can be fixed, but does not need to be "remade" in another form making the government the only factor. Face it, Americans don't go to Canada or GB for treatment......they come here. They are diagnosed with their respective diseases and told to go to a specialist. The specialist gives them an appointment a year later. Some diseases won't wait....game over.
 
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Old 08-04-09, 02:29 PM
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So why haven't we gotten rid of all the lawyers who through ridiculous lawsuits are raising malpractice insurance, so they pass the higher fees onto the consumer who in some cases was greedy enough to sue because they didn't know that doctors ARE NOT GODS, just humans like the rest of us.
 
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Old 08-04-09, 03:45 PM
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Originally Posted by chandler View Post
Just ask anyone from Canada or GB how they like their system.
I love it!!

Originally Posted by chandler View Post
Face it, Americans don't go to Canada or GB for treatment......they come here.
There is a good reason for this--> Doctors in Canada don't take private patients, they are not allowed. For this reason, any patient from other country will not be treated. Of course, if the problem is an emergency, it will be OK. On the other hand, in some situations, the government send Canadian patients to the US (HR deliveries during the SARS time for example) and is all covered by our Health Plan

Originally Posted by chandler View Post
They are diagnosed with their respective diseases and told to go to a specialist. The specialist gives them an appointment a year later.
This is not true

Our system is not perfect and there is lot of room for improvement, but it works

I am finding very interesting that in the last weeks, for a "coincidence" and in the same moment that the changes in the Health Care system are being discussed, there are many newspapers and websites showing how the Canadian Health care system is bad .... sounds like some "powers" are worried
 
  #5  
Old 08-05-09, 07:27 AM
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It appears you love your health system...........
How many times a year do you use it?
Does it pay for everything you have done & doctor visits also?
Does it pay for hospital visits with no charge to you?
or have you never used it?

Also: do you have to pay anything for your system or is it free?
 
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Old 08-05-09, 10:41 AM
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Considering how shoddily our Veterans hospitals are being run what kind of person that isn't a crack addict would want the same people to have anything to do with their health care?
 
  #7  
Old 08-05-09, 11:11 AM
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Hi j HOWARD,

First of all, I'd like to explain that my goal was and is only to clarify some concepts about the Canadian Health Care System. I am not criticizing or providing my opinion about other systems

Yes, I love our Health Care System. In Ontario, for example, we have OHIP (Ontario Health Insurance Plan).

Regarding your questions
Q - How many times a year do you use it?
A - I use it when I need it, there are no limits. In my family there are members who use the system more than others

Q - Does it pay for everything you have done & doctor visits also?
A - Yes, you show your card at the doctor's reception office or at the hospital admission desk or laboratory or RX office, etc and your are done.

Q - Does it pay for hospital visits with no charge to you?
or have you never used it?
A - In Canada there are not private hospitals so, the answer is yes, the plan pays for all the hospital expenses

Q - Also: do you have to pay anything for your system or is it free?
A - You get a discount in your paycheck but mostly the government funds the plan

Only exceptions: Physiotherapy (outside the hospital), Psychologist (partial), ophthalmologist (after 18 years old) and dentist
 
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Old 08-05-09, 12:19 PM
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Good post, Patricia. I would have to point out, of course, that there's no free lunch; when the "government" pays for something the funds come from taxes and other government revenues. That begs the question of how much.

I would also have to add, for the benefit of anyone in on the debate, that Canada is not the US and vice versa. For instance, how many illegal aliens are living in Canada at the moment?

Part of the problem of trying to invent a universal health care system here is that we are different from every other country in the world (sometimes to our detriment, but more often to our benefit).

To quote Bill Murray:

"We're all very different people. We're not Watusi. We're not Spartans. We're Americans. With a capital A, huh? You know what that means? Do you? That means that our forefathers were kicked out of every decent country in the world. We are the wretched refuse. We're the underdog. We're mutts. But there's no animal that's more faithful that's more loyal, more lovable than the mutt."

Lest anyone question my opinion of Canada, I've said many times that the USA has three true friends in the world - Canada, the UK, and Australia.

As to the $800 vs $200 bill, it would be interesting to see what the bottom line had actually been without insurance. Could maybe have been $300. As soon as the provider sees the insurance card they, or the computer, automatically rings everything up at "retail". Doesn't necessarily mean that is what a private payer would be billed. I suspect that what happens is that the doctors or hospitals write off the $600 difference as a "loss".

FWIW I don't see anything constructive happening in my lifetime. With the same people in charge who have managed to run Social Security and Medicare into the ground, I cringe at "universal" health care anyway.
 

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Old 08-05-09, 12:54 PM
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Hi TG,

You are correct, Canada is not US and vice versa, this is why I noted that I was not (and I am not) providing opinion about other health care programs / countries. My point is just to clarify the misconception that the universal health care program in Canada is a bad thing
Note: I forgot to explain that "government fund of health care" means provincial government--> each province has its own helth care program

Granted, there are not free rides , however, note that the almost 10% (according with the last statistics) of unemployed residents enjoy the same medical benefits , without limits of $$$ or time limits

Now.... regarding the illegal aliens in Canada.... you will be surprised!!!. But, this issue remains for the next discussion
 
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Old 08-05-09, 01:15 PM
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Just to throw this out..and I'm sure several folks here have seen the same thing.

My wife and I are covered under the lowest form of retired military program (small remote area)..no co-pay each visit..just pay whats left of the bill after they pay.

For a standard office visit and blood test that she gets every 9 months or so...the Dr office charges about $200.. we wind up paying about $5 or less. Some charges are crazy..like $45 for handling medical samples (duh..its a medical office?), or $29 for drawing blood (about a 20 sec process). But because they agree to be a provider for our plan..they also can't dispute what is and isn't allowed. The samples charge..nope..disallowed. The draw blood charge..reduced to something like $4.

Anyway..the point is..the Dr is happy to get us..even at the reduced prices..because they know they will get the payment for their bill..even if we died on the way home for the office.

Its actually a better plan for healthy people than the one we had before..that cost us about $500 a year (yeah sorry non military types..that was per year) with almost no out of pocket other than the co-pays to the primary provider.
 
  #11  
Old 08-05-09, 02:04 PM
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Now that you got yourself into this mess------------------

In Canada do you have a social security, medicare, medicade system?
American paycheck shows:
Federal income tax
Social security tax
Medicare tax

A lot of people in this country don't want to see
Health insurance tax added to their deductions----

Our fearless leader has promised that he will pass a health care bill----we have 305 million people in this country--
If we had a vote on it---it would not pass-----
We don't get to vote on things they want to shove down our throat.....................

We also have 20 million illegals (approx) (that's only 13 million
less than your population )
I'm sure our fearless leader will cover them also & will make them
citizens to give him a lot of new votes,,,,,,,,,,,,,,,,,,,,,,,,,
Take care,,,,,,,,,,,,,,,,,,,,,,,,,
 
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Old 08-05-09, 02:24 PM
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I'd have a whole lot more confidence in the government proposed health care plan IF all the politicians were required to use it
 
  #13  
Old 08-05-09, 03:01 PM
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Hi j HOWARD,

I am not sure what do you mean, but anyway, I don't discuss politics.
As I stated, I just described the health system in Canada
 
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Old 08-05-09, 03:50 PM
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My state senator Chris Dodd is going through prostate treatment on his health care plan. Yes this is the same Chris Dodd who briefly ran for president last year. I would love to hear him describe how it would be if he was in a position so that he couldn't afford health insurance, but at the same time doesn't want any government involvemnet since our government seems to find ways to mess up 2+2.
 
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Old 08-05-09, 04:11 PM
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Mark makes a good point, i.e. I would have a more favorable lean towards it if everyone, including the president, senators, and representatives would be included, but you know that will never happen. Congress routinely excludes themselves from having to comply with things in life that are a PITA for the rest of the populace.
 
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Old 08-05-09, 04:44 PM
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Well..ya know..those folks can't wait in line behind commoners...they may have an important vote on the floor..or a meeting with a dignitary or a Gov executive jet waiting to fly them (and their wife, GF, or executive "assistant" hack cough) to an important summit..in Barbados or Monaco or a Greek Island resort
 
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Old 08-05-09, 05:53 PM
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Considering the fact that in 1993, Hill Clinton's universal health care plan got blown out of the water, why does notmypresident think that this is such a good idea now?

"I love my country but FEAR my government!!"
 
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Old 08-05-09, 06:51 PM
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I see our fearless leader made an agreement today w/ the drug co's that they would discount drugs up to 80 billion for the new medical program as long as medicare was not given any discount--stick it to the old folks.
Also--the last I heard--over 300 billion will be removed from medicare to help pay for the new program------------don't you just love this guy--------
 
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Old 08-05-09, 07:08 PM
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Love him like a cobra loves a mongoose. Not to be a showoff, but mongooses are very good at killing cobras.
 
  #20  
Old 08-06-09, 04:43 AM
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Medical control matters more than care | detnews.com | The Detroit News

Interesting article.........................
 
  #21  
Old 08-06-09, 10:50 AM
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If we could remove the word "entitlement" from the english language, most of this countries problems would be solved.
 
  #22  
Old 08-06-09, 01:03 PM
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It would be a great day if we could do a recall presidential election, and if he were taken out of office, his decisions would be reversed. In this case, our children and grandchildren would not be cursing out the stupidity of the American electorate for voting notmypresdient into office. Unfortuanately, the Senate approved Sotomayor or however you spell that weird name into the Supreme Court.

That article mentioned should scare the living kah kah out of anyone who read it like I did. I do not agree with all of that columnist ideas in the past, but this one should make sense to anyone over the age of 7 whose parents are not first cousins.
 
  #23  
Old 08-06-09, 06:26 PM
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Originally Posted by j HOWARD View Post
I see our fearless leader made an agreement today w/ the drug co's that they would discount drugs up to 80 billion for the new medical program as long as medicare was not given any discount--stick it to the old folks.
"Stick it to the old folks."

Let me remind you of the prescription drug plan that was passed a few years ago. For whatever reason our fine politicians put in the bill where the government couldn't negotiate drug prices with the drug companies. Sounds like the no bid contracts we have in Iraq.

Please, someone tell me how that benefits the tax payer. Like I said, these clown's interests are where the money comes from and not the tax payers.

I also find your reference to our president as "our fearless leader" rather irritating.....you've said it a hundred times.


Baldwin
 
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Old 08-06-09, 06:39 PM
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They called Geo Bush some nasty names---I'm beeing very nice & politically correct--
 
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Old 08-07-09, 05:11 AM
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Actually they're still calling W nasty names and referring to the "last 8 years" etc., ad nauseum. I think fearless leader is a lot better than "Shrub" and "Dubya" which were used extensively.

How about bumper stickers? Anything more disrespectful than the ones that read "Somewhere in Texas a village is missing its idiot"?
 
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Old 08-08-09, 01:21 PM
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I get the feeling Obama does not take to having anyone associated with medical care turning a profit in providing it or the coverage.

If that is the case, where do we stop, with this noble thought process? We have to have food too, right? Poor and rich alike, right? Who want's to have to pay someone a profit for getting something we have to have? You need a roof over your head also. Who wants to see contractors get wealthy from building your house. Wouldn't you rather have gov't do it for no profit?, so you could live cheaper?

All this being said, can't you see this public medical insurance reasoning expanding, in the not too distant future, to take on those other necessities of life?, and perhaps only leave luxury-type spending for profiteers?
 
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Old 08-08-09, 01:32 PM
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ecman...now yer catching on..don't you know they don't want you to THINK?

Does this sound familiar...."From each according to his abilities, to each according to his needs."

In case anyone is interested...I'm in NEED of a Road Star or Roadliner...doesn't even have to be new....lol
 
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Old 08-08-09, 02:19 PM
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I think Sean Hannity tried telling people that one of Obama's fav books was by Marx, but Obama got elected anyway.
 
  #29  
Old 08-09-09, 03:21 AM
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Start over on health care bill | detnews.com | The Detroit News

One more opinion,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
 
  #30  
Old 08-09-09, 08:49 AM
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There is a simple and guaranteed way to make sure we get good reforms to our healthcare system.

As Mark says, make sure all congressmen/women and senators are required to be on the same plan we are with no perks or special treatment. I think they would be willing to read the bill (no matter how many pages) if this were the case.

I would not hold my breath though.

Bill
 
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Old 08-09-09, 12:26 PM
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Isn't trusting the government to do the right thing kind of like expecting the family dog to be able to roast a turkey?
 
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Old 08-09-09, 02:28 PM
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Well, they get chimps to smoke cigs, and a squirrel to water ski - so ya never know. Somebody even trains gold fishes to go thru hoops and stuff.
 
  #33  
Old 08-09-09, 03:00 PM
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People in other 1st world nations complain constantly about their health care systems... but 90% of them will laugh in your face if you ask if they would prefer the US system - this is true even in the UK, which has the worst system in Western Europe.

They may be right, or thay may be wrong, but don't kid yourself about the nature of their opinion.
 
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Old 08-09-09, 04:04 PM
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Heard of one video on how to toilet train your cat. I almost fell off the chair laughing.
 
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Old 08-09-09, 04:46 PM
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It works..knew people that did it.....

Don't think they ever learned to flush though....but I've heard of some that have....
 
  #36  
Old 08-09-09, 06:44 PM
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Originally Posted by Michael Thomas View Post
People in other 1st world nations complain constantly about their health care systems... but 90% of them will laugh in your face if you ask if they would prefer the US system - this is true even in the UK, which has the worst system in Western Europe.

They may be right, or thay may be wrong, but don't kid yourself about the nature of their opinion.

I'll agree with that. My friend, who used to work with me in the mining industry, is teaching English in Ho Chi Minh City for the last 5 years or so. Seems the 'foreigners' have a place where they get together and have a few. When he was home last month he told me that the guys from other countries say the USA has the most messed up medical system and they wouldn't have any part of it.

Pretty sad when you think about it.

I see Newt today insinuated that we will be killing off the old folks. Good God Martha......and people believe this stuff.

I'd think people with at least half a brain would realize that Rush, Hannity etc would realize they are saying this crazy stuff for ratings yet way too much of the public actually believes it! Darn amazing to me.

Sort of like Ann Coulter saying something crazy, gets on the news just so she can sell her next book.

Amazing!!!!
 
  #37  
Old 08-09-09, 07:08 PM
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Medical Insurance

One little hint - When you check in and state you do not have insurance, you may find the charges may be much lower.

Hospitals have a real mess when they have to go back and re-bill or give credits.
 
  #38  
Old 08-10-09, 06:42 AM
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The costs are screwed up but if you tell someone they can go anywhere they want for cancer treatment, for free, I bet a large percentage would come here.

We have health insurance that costs us around 10k per year, with my wifes employer paying more on top of that, and I love the care we get. Would it be nice to pay less, of course, but I do not want to sacrifice anything I have right now to maybe pay less and have the government involved in any way other than maybe controlling costs somehow.

Bill
 
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Old 08-10-09, 11:25 AM
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If universal health care is so great, why do Canadians (sp?) come to the U.S. to pay for operations that save their lives?

If only part of the Constitution stated in order to finance a new social program, the person who writes it has to pay for it out of his own pocket the first five years to see if it works. If this was the case, just think how much better off those of us who work for a living would be.
 
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Old 08-10-09, 03:43 PM
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Originally Posted by nightowlpunk View Post
If universal health care is so great, why do Canadians (sp?) come to the U.S. to pay for operations that save their lives?
Well, maybe they simply do not have the equivalent of a Mayo Clinic, et al. But maybe they are satisfied with most of the care they care they can get - and the fact everyone can at least be seen and are covered. Maybe the peace of mind in knowing they have coverage reduces their stress, and that can be good for something right there.

Was it moderator pmgca that says that even if they have to come to the US to receive specialized care, the Canadien insurance plan pays for that? If that is true, maybe they do have something good going there.

But I still have an issue with the gov't meddling in what used to be private enterprise. Because, as I stated in a previous post - by rights way then, anything we have to have should likewise be provided by the gov't and taken out of the hands of private, for profit, enterprise. And maybe that very thing would happen after awhile, if we allow the door to be opened with public medical insurance.
 
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