R
royal_archer
Guest
don’t agree to arbitration.
If the arbitration company doesn’t act is an objective manner you have further legal recourse.
- Status
If the arbitration company doesn’t act is an objective manner you have further legal recourse.
R
royal_archer
Guest
But not always with reasonable chance of success. If the procedures are proven then they are no longer considered experimental.
R
royal_archer
Guest
300 million Americans, <30 Million AMERICANS with out insurance who are not self insured. that is about 1 in ten who theoretically can not get health insurance and that means 90% have insurace or are self insured. I did that math free of charge.
R
royal_archer
Guest
Just working long hours and fighting a cold.Nah it’s just a tool for satifying them shareholders who are faceless most of the time anyway.
You are back my friend. I was actually a little worried about you.
As for empathy. I may as well have no health insurance since the doctors office is closed by the time I get off work.
Guess it is just OTC and lots of vitamins and resting up for another long week next week.
A
aspawloski4th
Guest
I must live around a bunch of weirdos or misfits. Nearly have of those I know don’t have insurance because they can’t afford it. Many the insurance through deductables and copays leave them cleaned out… Actually I don’t really care about the numbers. Asside from illegal aliens , anyone being left out is not allowable.
A
aspawloski4th
Guest
well in the long hours dept I have empathy for 10 years I worked 2 jobs approximately 70 hours a week while taking care of a wife with phyical and emotionial disabilities. Had to work thru many illnesses and work thru a couple dozen kidneystones too.Just working long hours and fighting a cold.
As for empathy. I may as well have no health insurance since the doctors office is closed by the time I get off work.
Guess it is just OTC and lots of vitamins and resting up for another long week next week.
P
pathia
Guest
So, you’re condemning people to death, even if there’s a slight chance of success?
P
pathia
Guest
You don’t have a choice, they won’t sell you a plan without it. Your own insurance right now probably has it.
R
royal_archer
Guest
How slight of chances? -So since there is a slight chance that soaking in Icelandic hot springs will cure my sore back, the government (and tax payers) should pay for it?
Chance of success vs the risk of compolications?- I think there was someone who chimed in here who had an unnecesary surgery soon after birth who has been dealing with the negative reprocusions ever since.
Condemned to death? - We are all condemned to an earthly death. The only question is to what extreme people are willing to go to postpone the innevitable. And to say someone else is condemning another to death implies an outward act. I am not taking money from you, nor am I advocating others take money from you or prevent you from seeking whatever treatment you wish. I am just saying you do not have a right to force others to fund your experimentation unless they accepted a contract obligation to do so.
R
royal_archer
Guest
I wouldn’t know since my insurance has always paid bills brought to them and they have even agreed to cover things that I thought were excessive.
P
pathia
Guest
You’re comparing a brain tumor operation to a cosmetically procedure done for absolutely no medical reason what so ever?
R
royal_archer
Guest
Who decides what is medcaly necesary? One could argue that cosmetic surgery is required for the mental health of the patient. Some would argue that ones appearance is related to depression and suicide therefore cosmetic surgery could save lives. Unlikely but a “slight chance”.
P
pathia
Guest
None of my normal doctors or the doctors involved with my birth ever told my parents that the surgery was necessary. They decided it themselves, with the advice of priests. They then went out and found doctors that would do the surgery. Insurance did not pay for it.
R
rtconstant
Guest
In the first year only companies with 10 or less employees are even allowed to buy through the exchange. In year two this is raised to 20. So if you belong to a larger company odds are you’ll just keep on with the same coverage. I believe, but am not sure that most of the reforms don’t apply to existing policies one way or the other. Assuming that policy is kept by the individual insurer. Also, insurance companies are not required to offer policies through the exchange. Though I doubt any wouldn’t, it would just be missed business if they didn’t. But in theory they could refuse to do so.
I also think that any new individual policies must be bought through the exchange. I might be wrong though, but that’s how it looked to me.
F
fultonfish
Guest
I wanted to respond to people who keep repeating the made-up numbers about how many people lack medical insurance.
I wrote up something on another thread, but St. Francis did a far better job than I did, so here it is:
xxxxxxxxxx
St Francis
Regular Member
Join Date: August 11, 2004
Posts: 1,513
Religion: Catholic
Re: Should Government Take over Health Care?
ETA: This took me a long time to write, and so I didn’t see FultonFish’s post above before I submitted it.
Quote:
Originally Posted by 4elise
A few? Seriously?
That is just because the ‘few’ don’t have the same access to cable news to have their voice heard!
46.3 million are uninsured news.aol.com/article/number-o…surance/664816
nchc.org/facts/coverage.shtml
Here’s a breakdown of those 46M )I rearranged them)
Non-Citizens: This figure of 9.3 million (20.3 percent of the uninsured) includes both legal aliens-many of whom are not eligible for federally-subsidized coverage for five years after their arrival-and undocumented immigrants.
Medicaid Undercount: 6.4 million (14 percent of the 45.7 million uninsured in 2007) were enrolled in Medicaid or SCHIP, but did not report such coverage to the Census Bureau.
Eligible for But Not Enrolled in Government Coverage: An additional 4.3 million (9.4 percent) were eligible for public programs like Medicaid and SCHIP but not enrolled in them. As a 2003 CBO report noted, “Some policy-makers…believe that such people should be regarded as insured, because they can apply for Medicaid when they require care and receive retroactive coverage for their expenses.”
Over Three Times Poverty: Many of these 10.1 million individuals (22.1 percent of the uninsured) may be able to afford coverage, as their incomes are above 300 percent of the federal poverty level ($66,150 for a family of four in 2009), but choose not to purchase such coverage.
“Young Invincibles:” An additional 5 million uninsured (10.9 percent of the total) are aged between 18 and 34; while many likely could purchase coverage at affordable rates, some may choose not to do so-because they feel they do not need it, and/or do not perceive it to be of value to them.
I don’t know enough about the first category listed here to comment, but they are 20% of the uninsured.
We have an additional 25% who are either on or eligible for Medicaid.
Ten percent are the young, who are presumed pto choose not to be covered because they feel invincible and want to buy I-Pods instead. And the last 22% are those who are not eligible for government aid, but who are not covered elsewhere.
So that’s 15 million people, or one-third of the original estimate of Americans without insurance who are actually without health coverage.
First of all, some of them do not have coverage because they are currently unemployed. In this difficult economic time, they may have chosen to save their money rather than spend it on COBRA (which can be terrifically expensive) so that they can feed their family longer if it takes a while to find a job.
Another set is self-employed and have decided not to pay for coverage for various reasons: uneven compensation, high rates due to pre-existing conditions, inability to obtain due to pre-existing conditions, and, despite being 300% over the poverty level, maybe not being able to afford it due to any number of things such as student loans to pay back, child support payments, etc.
And there are probably those who choose not to buy because insurance is a gamble–a gamble that you will get sick. If they perceive their chances of getting sick as being very low, then they may decide to pass on the offer, the same way I don’t play the lottery.
Quote:
If we are pro life - we are pro health care / health coverage reform -
Per the USCCB
There are simple things which could be done to aid those who are not currently covered or eligible for the aid given to those in poverty. One is to break the bond between employment and insurance–that is just crazy. People should be able to have medical accounts which would be taken off their taxes. Right now, the tax system favors the employer-provided model because those payments are considered expenses and the money used for them is not taxed. However, those who pay their own premiums are paying from income which has already been taxed. Evening out this inequity by allowing premium payments to not be counted as taxable income would help those in this situation, as would a system similar to the EIC whereby some would get an actual credit for what they have paid out.
For those with pre-existing conditions, the current programs could be expanded to cover them as well, or the EIC–like system above could help them out.
There is really no need to turn our whole system inside out just because 5% of the people here have no insurance and are ineligible for government assistance.
A happy Catholic homeschooling mom
I wrote up something on another thread, but St. Francis did a far better job than I did, so here it is:
xxxxxxxxxx
St Francis
Regular Member
Join Date: August 11, 2004
Posts: 1,513
Religion: Catholic
Re: Should Government Take over Health Care?
ETA: This took me a long time to write, and so I didn’t see FultonFish’s post above before I submitted it.
Quote:
Originally Posted by 4elise
A few? Seriously?
That is just because the ‘few’ don’t have the same access to cable news to have their voice heard!
46.3 million are uninsured news.aol.com/article/number-o…surance/664816
nchc.org/facts/coverage.shtml
Here’s a breakdown of those 46M )I rearranged them)
Non-Citizens: This figure of 9.3 million (20.3 percent of the uninsured) includes both legal aliens-many of whom are not eligible for federally-subsidized coverage for five years after their arrival-and undocumented immigrants.
Medicaid Undercount: 6.4 million (14 percent of the 45.7 million uninsured in 2007) were enrolled in Medicaid or SCHIP, but did not report such coverage to the Census Bureau.
Eligible for But Not Enrolled in Government Coverage: An additional 4.3 million (9.4 percent) were eligible for public programs like Medicaid and SCHIP but not enrolled in them. As a 2003 CBO report noted, “Some policy-makers…believe that such people should be regarded as insured, because they can apply for Medicaid when they require care and receive retroactive coverage for their expenses.”
Over Three Times Poverty: Many of these 10.1 million individuals (22.1 percent of the uninsured) may be able to afford coverage, as their incomes are above 300 percent of the federal poverty level ($66,150 for a family of four in 2009), but choose not to purchase such coverage.
“Young Invincibles:” An additional 5 million uninsured (10.9 percent of the total) are aged between 18 and 34; while many likely could purchase coverage at affordable rates, some may choose not to do so-because they feel they do not need it, and/or do not perceive it to be of value to them.
I don’t know enough about the first category listed here to comment, but they are 20% of the uninsured.
We have an additional 25% who are either on or eligible for Medicaid.
Ten percent are the young, who are presumed pto choose not to be covered because they feel invincible and want to buy I-Pods instead. And the last 22% are those who are not eligible for government aid, but who are not covered elsewhere.
So that’s 15 million people, or one-third of the original estimate of Americans without insurance who are actually without health coverage.
First of all, some of them do not have coverage because they are currently unemployed. In this difficult economic time, they may have chosen to save their money rather than spend it on COBRA (which can be terrifically expensive) so that they can feed their family longer if it takes a while to find a job.
Another set is self-employed and have decided not to pay for coverage for various reasons: uneven compensation, high rates due to pre-existing conditions, inability to obtain due to pre-existing conditions, and, despite being 300% over the poverty level, maybe not being able to afford it due to any number of things such as student loans to pay back, child support payments, etc.
And there are probably those who choose not to buy because insurance is a gamble–a gamble that you will get sick. If they perceive their chances of getting sick as being very low, then they may decide to pass on the offer, the same way I don’t play the lottery.
Quote:
If we are pro life - we are pro health care / health coverage reform -
Per the USCCB
There are simple things which could be done to aid those who are not currently covered or eligible for the aid given to those in poverty. One is to break the bond between employment and insurance–that is just crazy. People should be able to have medical accounts which would be taken off their taxes. Right now, the tax system favors the employer-provided model because those payments are considered expenses and the money used for them is not taxed. However, those who pay their own premiums are paying from income which has already been taxed. Evening out this inequity by allowing premium payments to not be counted as taxable income would help those in this situation, as would a system similar to the EIC whereby some would get an actual credit for what they have paid out.
For those with pre-existing conditions, the current programs could be expanded to cover them as well, or the EIC–like system above could help them out.
There is really no need to turn our whole system inside out just because 5% of the people here have no insurance and are ineligible for government assistance.
A happy Catholic homeschooling mom
E
Ella
Guest
The people who could get insured but do not are also a problem in our country’s health care, Fultonfish.
They are a problem because what they are doing is pocketing the insurance money in a gamble that they will not have a big medical expense. Then if one occurs, say, cancer, they face a huge bill that often they cannot pay. If that is the case, they go bankrupt.
Another reason they are a problem is because the insurance companies are not able to use their payments to offset the cost of payouts for other customers who are very sick. The result is that premiums are higher for everyone.
One solution considered in Congress right now is to make insurance mandatory, as auto insurance is for car drivers in many states. This is what Switzerland did.
They are a problem because what they are doing is pocketing the insurance money in a gamble that they will not have a big medical expense. Then if one occurs, say, cancer, they face a huge bill that often they cannot pay. If that is the case, they go bankrupt.
Another reason they are a problem is because the insurance companies are not able to use their payments to offset the cost of payouts for other customers who are very sick. The result is that premiums are higher for everyone.
One solution considered in Congress right now is to make insurance mandatory, as auto insurance is for car drivers in many states. This is what Switzerland did.
E
Ella
Guest
How exactly do you think that would happen?
E
Ella
Guest
Well, that is a different topic. Life is a fatal condition btw. Let’s stick with the topic of health care and so-called socialized medicine.
Let’s say I find out I am HIV positive (you can be HIV positive and not have AIDS). I just lost my job, my company downsized and laid off 20% of its workforce, including me.
There are treatments that can stave off AIDS in the HIV positive
What should happen to me?
Should I be punished for my lifestyle choices? Tossed on the street? Pointed to the nearest ER for when I’m almost dying?
What if my HIV infection came from a blood transfusion - I was in a car wreck years ago and needed 2 pints of blood. Is it OK to sell me insurance now? Is it moral now?
A
aspawloski4th
Guest
I’m a bit tired of the phrase " lifestye decisions" coming from certain people here. I remember as a child a next door neighbor of our passing away in his 50’s from multiple strokes. My dad wnet on his soapbox to me and my siblings about hhow he was lazy annd always relaxing , instead of working when at home, my dad thinks of work as an end not a mean. He said if good ole Arnie would just do physical work when he got home and ate better he’d be alive. Not long after my dad’s little speach I found out good ole neighbor Arnie relaxed at home because he got plenty physical at work. He was a lineman for the phone company , putting up the big phone line, which iinvolved heavy lifting. So when he got home he wanted to chillout. As far as the diet. He was 2nd generation Polish. 9 times out of 10 for dinner it was what is ancesotrs from the oldcountry would have eaten. Very little of anything considered to be American. To this day many Polish and Lithuanians that live around are still that way and will flip you the bird if you tell them to change at all. I later found out that in my neighr’s family that his age of passing away and the problems that led up to it are quite the norm in his family. In his family 65 and alive is jive. Seeing that most Polish decent people live quite a bit longer than to thier 50’s, it would be silly to blame diet, and he was getting plenty of exercise. Blame it on GENETICS! The lifestyle police here would likely blame it on himself. By the way the wife and adult children are doing fine. The mother’s family has good gentics.
S
Shoshana
Guest
Insurance: Baby Too Fat for Coverage
Nothing brings a smile to an adult’s face quicker than the sight of a happy, chubby baby.
But the sight of 4-month-old Alex Lange, who measures 25-inches long and weighs 17 pounds, is bringing a frown to the hypothetical face of insurance company Rocky Mountain Health Plans, The Denver Post reported on its Web site Monday.
Click here to see a video of Alex Lange
Underwriters, the people who are in charge of assessing risk for insurance companies, have decided that baby Alex’s pre-existing condition — obesity — makes him a high-risk patient and have denied him coverage.
foxnews.com/story/0,2933,564501,00.html
Nothing brings a smile to an adult’s face quicker than the sight of a happy, chubby baby.
But the sight of 4-month-old Alex Lange, who measures 25-inches long and weighs 17 pounds, is bringing a frown to the hypothetical face of insurance company Rocky Mountain Health Plans, The Denver Post reported on its Web site Monday.
Click here to see a video of Alex Lange
Underwriters, the people who are in charge of assessing risk for insurance companies, have decided that baby Alex’s pre-existing condition — obesity — makes him a high-risk patient and have denied him coverage.
foxnews.com/story/0,2933,564501,00.html
- Status