Talk of The Villages Florida - View Single Post - ObamaCare your thoughts
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Old 11-02-2016, 10:21 AM
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Default Re: Medical insurance

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Originally Posted by Guest
My sons are getting hit with high premiums for their families already costing them $1700 going to $2200 a month in NY

Not on Obamacare they have private carriers (better coverage) but those carriers to have raised their rates due to Obamacare.

Before Obamacare they were paying about $1,000 month for better coverage than their current private carriers.

In NY if single with a private carriers better coverage and lower deductibles they pay $620 single going to $750
I'm NOT and Obama supporter.

We just go onto medicare and were paying 18,000 OUT OF SAVINGS for medical insurance for TWO of us.

Medical care is frankly STRANGE. You do not shop for the CHEAPEST when you need care. I've read that attys add 40% to the cost of American medical care costs. Of course this is a rough guess and depends on what you are trying to prove. But, your doctor will order fancy EXPENSIVE and perhaps with known side effects, tests to determine what he could do with a simple stethoscope. The reason-to avoid a mal practice suit. How do you choose a doctor? It is shocking to discover that almost all malpractice suits are SEALED. Your doctor that, you chose because your friend likes his personality can have been sued many times for exactly what they are doing to CARE for you. Almost all medical mal practice suits are settled and part of the settlement is the case is sealed.
Everything as complex as medicine is debatable. The person suing the doctor will have all kinds of experts and the jury, who feel sorry for you will award a ridiculous amount. SO EVEN IF THE DOCTOR IS COMPETENT, AND ACTED TOTALLY CORRECTLY-THEY WILL SETTLE THE CASE-SEAL THE CASE AND SO THERE IS NO RECORD THAT YOU CAN FIND. Of course this raises the COST of medical care. LIKE ANY BUSINESS, THE CUSTOMER-THE PATIENT PAYS OVERHEAD-IN THIS CASE HUGELY EXPENSIVE MAL-PRACTICE INSURANCE.

Another COST that we dare not mention in our politically correct world.
A person decides he would rather spend money on a bigger home, a better car, a great vacation etc. He gets hit by a car etc. DOES HE SCREAM HELP ME? OR DOES HE SCREAM-I DECIDED NOT TO BUY INSURANCE-I WILL NOT BE PAYING SO TAKE ME TO THE DUMP ALIVE OR DEAD.
You/we have to pay not only for our care but for all the people who do not and will not pay.

AS TO INSURANCE
If, you have some wealth ie SAVINGS, you are forced to have INSURANCE. YOU CANNOT OR SHOULD NOT ELECT TO SELF INSURE-PAY YOUR BILLS. Fortunately our health has been good. BUT, two years ago I spend FOUR DAYS in the villages hospital-THE BILL WAS 50,000. As I mentioned above we had paid 18,000 for private insurance
AETNA. AETNA paid 30,000 on that 50,000 bill and IT WAS ACCEPTED AS PAYMENT IN FULL. IF I DID NOT HAVE INSURANCE WHY WOULD I HAVE TO PAY 50,000 AND AETNA GETS THE SAME SERVICE AND PAYS 30,000.

CLEARLY THE SYSTEM IS BROKEN. SADLY OBAMA DID NOTHING TO ADDRESS ANY OF THE PROBLEMS-ATTYS, MULTIPLE PRICING FOR THE INSURANCE COMPANIES COMPARED TO PEOPLE WHO DECIDE TO SELF INSURE, INSISTING ON OFFERING EQUAL CARE WHETHER YOU PAY OR NOT.

Nothing is FAIR. Two people look at the same thing and there is often a debate as to what is fair. THERE IS NO EASY OR SIMPLE SOLUTION. As to OBAMACARE-the rest of the industrialized world pays HALF what we do in the UNITED STATES and their life expectancy is about the same as ours. OBAMA did not need to invent the wheel-just to see how it is done for HALF THE COST and follow what is already being done and how it is being done.

Hillary is saying more of the same. In many areas the insurance companies have discovered they are loosing money providing policies under Obamacare so they are refusing to issue the policies. Under CAPITALISM it is obvious-no competition and the price goes up. The solution is obvious-the government needs to force them to have enough people on OBAMACARE POLICIES to justify being ALLOWED to do business in the United States.

TRUMP or perhaps the Republicans dislike people being FORCED to buy insurance. PEOPLE NEED TO BE FORCED TO BE RESPONSIBLE OR MANY LIKE THAT FORMERLY HEALTHY YOUNG PERSON WALKING ACROSS THE STREET AND HIT BY A CAR SIMPLY WILL NOT BUY INSURANCE BUT WILL BUY A BIGGER HOME, CAR, BOAT ETC WITH THAT MONEY-KNOWING THAT IF THEY NEED CARE THE OTHER CITIZENS WILL BE FORCED TO PAY THEIR BILL.