Healthcare premiums and co pays cost too much

I hate it so much. I hate healthcare with all my might! It sucks so bad. God damn it!

a reply to: dfnj2015

I'm still waiting for my $2500 savings I was promised.
I think it went up nearly that much..

I agree. I also loathe the annual insurance policy changes that make once covered medications and procedures no longer a covered item. My son’s asthma inhalers - suddenly no longer covered. A radiofrequency ablation procedure covered last year....no longer covered this year. I wind up paying for almost everything out of pocket.

None of the money spent paying for non-covered items can be applied to our outrageously high family deductible. What is the point of having insurance?

a reply to: dfnj2015

a reply to: dfnj2015

It was far better before Obamacare came along and mucked it up. At least back then most Americans could afford to actually see a doctor in addition to paying their premiums.

I try to avoid going to the doctors unless I need to. I have medicare and part D and do not care if I am paying and not using it, I would rather just find natural ways to stay healthy. I went to see my new doctor and he said my blood pressure is high, so was my cholesterol. I asked him if meds for blood pressure would moderate it so I wouldn't get the lows all the time, it is about ninety over sixty many mornings, that is too low for me with my tachychardia, I get a headache and light headed. He said that they only bring it down, which would help me...how is going too low going to help me? According to all the charts for my age, my blood pressure should be around one forty over eighty and no action should be taken at all unless it is over one sixty over ninety. When I was there, I may have been a little anxious, it always jumps up when I am anxious, it one sixty five over ninety five, If he would take it when I stand it is around one thirty over seventy five when sitting it is what I had there. It used to go up when I stand, now it drops a lot. It also drops when I lay down meaning it must have something to do with legs bent or sitting.

Until you setup camp in their front yards why should they care?

You have to disrupt operation boats n' ho's, or they are going to continue operation boats n' ho's.

a reply to: dfnj2015

For years, the U.S has the most expensive healthcare costs, and our elected officials have done nothing to fix it. It's all because health insurance companies and lobbyists have our elected officials in their pocket. Universal Healthcare would eliminate much of the administrative costs which are causing some of the high costs of health care. A simple tax paid by all Americans would be much better than paying 600+ in healthcare premiums a month. It would relieve Corporations from healthcare premiums for their employers and would make sure everyone in the country has the same medical coverage.

Transparency in government and campaign finance reform would also expose those corporations who are donating thousands of dollars in campaign money to help keep their inflated prices intact.

We're behind many industrial nations and it's our own fault for not making our elected officials accountable for not fixing this problem. Medicare has proven itself to be a God send for many elderly Americans. We now have elected officials who want to make cuts to it. Who do these officials think they're working for???

Once again, the American citizen is always left holding the bag.

a reply to: dfnj2015

If I pay my copays I still have to pay 20 percent after that. Its almost like they want you broke. I have an HSA but I am starting to think that wouldn't do me much good if something tragic happens to me. It was so much better before ACA. Now it's just a joke. Pretty damn sad.

Single and on Medicare now. I have a good BCBS policy but that, part D, and the part B premiums held out of my SS totals $300+ a month. That's a chunk for me.

Edit: government oversite and regulations are a large part of the increase in cost. Have you looked at the coding doctors have to live buy? Government has access to your digitized medical records now so they now know everything about you. Big brother is upon us...

originally posted by: dfnj2015
I hate it so much. I hate healthcare with all my might! It sucks so bad. God damn it!

That's the general idea. To make us hate it so much we'll do anything for relief. They have us by the proverbial balls and they know it.

a reply to: dfnj2015

We have covered this very well in the past. Medicare for all wont solve cost problems. Those are identified below along with solutions. You cannot allow the same crooks to simply inflate their prices to the government instead of you and the insurance companies, you can't allow the same crooks to have monopoly statuses through regulations and extended patent laws.

Regulation (which usually means monopoly status and high cost) must be addressed.


www.abovetopsecret.com...

Things that need to happen:

Pharmaceutical Domestic Responsibility: Patent Law and Orphan Drug Reform making it illegal for any company to gain "exclusivity" to production of a common drug and boosting the prices 10,000 percent. Generics must be allowed within reasonable timelines. No entities may patent medical (or any) technology and or drugs and not develop said products or their patent will be voided to public domain.

Artificial Health Practitioner Shortages: The standard practice of severely limiting the number of Doctors and Specialist must end immediately. Anyone receiving a score of xxx on the xxx test battery will be accepted into advanced medical classes which will end the artificial quotas.

Posted Pricing. All Medical establishments must post prices for all tests, drugs, and procedures utilizing a "universal common code" so that the patient may choose where to receive these tests, drugs, and procedures from any vendor of their choosing.

Harvard Study Reveals Drug Prices are High in U.S. Because Government Grants Monopoly to Big Pharma

jamanetwork.com...

www.abovetopsecret.com...
www.abovetopsecret.com...

Long article but worth the read if you really want to improve the entire system.
www.abovetopsecret.com...

originally posted by: burdman30ott6
a reply to: dfnj2015

It was far better before Obamacare came along and mucked it up. At least back then most Americans could afford to actually see a doctor in addition to paying their premiums.

Plus there were Drs to go to, here they are all full and take no more patients so you can't change Doctors if you got a crappy one and you can't see any specialist unless your crappy Dr sends you.

Every time someone posts one of these it reminds how important it is to have good healthcare as a benefit of your job.

In my field, over the course of my career each company i have worked for has had reasonable programs and rates associated with those programs. I couldnt even imagine having to manage health without solid benefits. It's seems like a terrible time.

Can I ask a question? What is the average monthly premium for healthcare? Like the very most basic coverage you can get.

What I want to know is how can the insurance companies say a medication is covered and "necessary" one year, and the next it's completely uncovered and "unnecessary" although no alternatives are available. If it was medically necessary the year before, how can it change the next year when the person has the same condition? Now if people want the medication, they have to pay completely out of pocket as it is "denied" coverage from the insurance company.

Vote Democratic if you want cheap healthcare

a reply to: dfnj2015

Thanks for bringing this up, I am going to rant on your rant. My Husband just got a new job, better pay BUT(it is a start up company with a small amount of employees). The insurance offered is $1,000.00 a month( yes, one thousand a MONTH) for a deductible of $5,000.00 per year. It has no office visits- everything to deductible before insurance pays. It comes with a FSA that you can contribute pretax dollars to. OH JOY- what a crock of poop!!! Basically for our family this is just like here have $12,000.00 for absolutely nothing and let me pay for our occasional doctors visit- there is just no value for us.

This is the current plan we are on (recently quit job) which we can pay COBRA style and hope and pray the new employer can get better insurance as the company grows. We rarely use our current health insurance; which costs $600.00 per month for my daughter and I (Husband was covered for no cost-employer paid for his portion. On this plan it is. $1,000.00 deductible for year, office visit coverage, and then 80/20. That is still freaking ridiculous!

Before obama and congress got involved; insurance was much less. I knew when Obama came out of the meeting with the CEO's of the insurance companies about obama care(before it was passed by congress) that we all need some serious lubricant because we were going to it get up the a$$.

I voted for Obama the first time. I now believe that he is the worst President in my lifetime. No other President has affected our bottom line like he has.

a reply to: infolurker

Screw the shareholders. The government needs to make the healthcare system government owned and non-profit. The CEO and board members have proven themselves bad stewards of the public trust.

a reply to: dfnj2015

SnF!



They should eliminate all government regulations that drive up costs.

a reply to: dfnj2015

I have to agree.

I pay $23 a month for basic government coverage. Basic is everything but dental, home/long term care, and prescriptions. Then I pay an additional $20 for my work's extended medical/dental plan which covers my prescriptions 100% after paying a $50 deductible at the beginning of the year and 80% of all dental costs.

The thought that some of you pay hundreds, if not thousands, of dollars month for coverage that doesn't even cover you for doctor's appointments is awful.