posted on Mar, 27 2011 @ 10:17 AM
I have only read the first post because I don't want to take the time to read thru 53 pages - so sorry if I am repeating something that someone else
I have worked in Employee Health Benefits for 20 years in various positions and I have calculated premiums for health insurance, administered benefits
and I currently am a manager at a third party claim administrator and a Certified COBRA Administrator. I have been reading a lot about Healthcare
First of all, all US health insurance plans during 2011 will have to allow children up to their 26th birthday to remain on their parents health plans,
regardless if the child is a full time student, is married, heck they dont even have to live with their parents! The reason for this is because
children between 19 - 25 are one of the most uninsured segments of the US population. The OP is a good example of someone who is young and does not
have insurance, and was forced to go to Medicaid. I hope the OP's parents have a healthcare plan they can add her to when their plan is required to
do so this year.
By 2014, as the law is currently written, will require everyone to have health insurance. The State of Massachusetts is already doing this, and does
have a state plan that a person can enroll in if they dont have other coverage thru an employer or private plan. (a good plan too,with reasonable
copays and deductibles).
It sounds to me like the government plans will be similar to how Medicare supplement plans work now, with a few plans to choose from with varying
To the people that cry for "free" healthcare, I hope that never happens. There is enough abuse of healthcare plans, with people running to the
emergency room, instead of seeing their doctor at the doctors office. If a person knows they will have to pay for part of the services, they are more
likely to be responsible in their healthcare choices, as it should be. A lot of people on Medicaid dont care how much services cost because they dont
have to pay for it.
To the people crying about their tax dollars going to help people on Medicaid, I think there should always be net for someone to fall into. This
isn't 18th century London for God's sake. We take care of our own because it is the right thing to do. We do not want people dying on the streets,
Lastly, to the people crying about how high premiums are, I will have you know that 95% of your premiums go to pay claims! That means 95 cents of
every dollar you pay in premium is to pay for claims. Insurers make their money on investments, not your health insurance premium. I know it is
expensive - I'm in the same boat. I pay $400 a month out of my paychecks to pay for insurance for my husband and I - and we have a high deductible.
But I know that the cost of paying for medical technology,hospital stays and all of the drugs available now from cancer treatments to toenail fungus
cost money. And almost everyone is filling a prescription for something.
What can we do? If you have plan choices thru your employer - buy the cheapest one if you are healthy and rarely go to the doctor. Utilize your family
doctor as opposed to going to a specialist or the emergency room as the first solution. The simplest solution is probably the correct one. Take
advantage of routine annual exams. Many plans pay these at 100% to encourage you to monitor your health instead of waiting until you have a problem.
Take care of your self. Eat healthy and exercise. Try over the counter medications first before going to the doctor about your toenail fungus.
Thanks for hearing me out - I know this is a long post!