Health Insurance Degeneration Continues

  • Thread starter Thread starter manualman
  • Start date Start date
Status
Not open for further replies.
LCMS_No_More said:
Funny thing about that…I used to be an economic “conservative” (read right wing)…then the fact that I work for a living and that the people I work for (and most people for that matter) don’t give a darn about their employees and are only in it for their god, namely money. That’s when I started to see that perhaps working people need protection from the predators among us, particularly money worshipers.
Click to expand...
Sorry your work experience has not been a good one. What education did you get to prepare you for the work force? Or what appreticeship did you serve to get a job? Sometimes we are our own worst enemy. We can’t sit back and wait for some employer to do right by us. I am absolutely not saying this is true in your case, just bringing up a point that often we are in the position we find ourselves in because of our own poor choices.
 
pathia said:
With what savings? I have more medical debt than my own parent’s mortgage and I’m only 27. I’ve never been able to save a penny my entire life, every cent and about 300% more goes straight out into medical bills. I’ve already flushed it once at 23 with a bankruptcy, I can’t do that again for a few more years.

I’m not exactly ‘poor’ either, I am well above the poverty line, in theory, but when you have medical bill payments that are larger than your rent payment…If you go by my W2 I look pretty darn rich considering I’m technically single. However, I go deeper into debt every month despite living on mac and cheese and ramen noodles

You keep saying this plan over and over, and I haven’t seen a single one of the possible candidates or any congressman talk about such a plan.
Click to expand...
M’am I know you’re looking for something more immediate to get some relief, and not knowing you personally I’m at a loss as to what to say, and I’d be reluctant to out here on a open forum anyway.

I see on your public profile, you are a lapsed Catholic, think about coming home to the Church, and find supportive people to help. That help can come from many areas, God has placed many good folks in the Church to help others.

My only advice is if you’re waitin on the govt to save ya, you’re gonna be disappointed, as you already know from making this statement-
You keep saying this plan over and over, and I haven’t seen a single one of the possible candidates or any congressman talk about such a plan
Click to expand...
 
BamaRider said:
M’am I know you’re looking for something more immediate to get some relief, and not knowing you personally I’m at a loss as to what to say, and I’d be reluctant to out here on a open forum anyway.

I see on your public profile, you are a lapsed Catholic, think about coming home to the Church, and find supportive people to help. That help can come from many areas, God has placed many good folks in the Church to help others.

My only advice is if you’re waitin on the govt to save ya, you’re gonna be disappointed, as you already know from making this statement-
Click to expand...
The reason I am lapsed is because of a severe lack of charity I have experienced at half a dozen catholic churches in the last few years of my life. I am not so much lapsed as unwelcomed by the laity. This has little to do with this thread. I am willing to discuss the details in private should you wish
 
The reason I am lapsed is because of a severe lack of charity I have experienced at half a dozen catholic churches in the last few years of my life. I am not so much lapsed as unwelcomed by the laity. This has little to do with this thread. I am willing to discuss the details in private should you wish
Click to expand...
I find that very sad. If you wish to just vent, feel free to PM me.
 
LCMS_No_More said:
Instead of whining about it being an insult, perhaps it would behoove you to, oh, I dunno…come up with an actual response to Pathia’s situation…or am I correct?
Click to expand...
Instead of whining and insulting other people, perhaps it would behoove** you **to, oh, I dunno…come up with an actual response to Pathia’s situation…or am I correct?😉
 
Instead of whining and insulting other people, perhaps it would behoove you to, oh, I dunno…come up with an actual response to Pathia’s situation…or am I correct
Click to expand...
:rotfl:

C’mon y’all knock it off before the CAF police scolds ya.

But *that *was funny.
 
vern_humphrey said:
Instead of whining and insulting other people, perhaps it would behoove** you **to, oh, I dunno…come up with an actual response to Pathia’s situation…or am I correct?😉
Click to expand...
You are NOT correct. I am for single-payer myself. That would cover Pathia’s situation.

You, on the other hand are for the “market” to magically solve all problems through some magical “medical savings account” scheme. Pray tell, what would these funds be doing while waiting to be used? Invested in some high-risk stock funds managed by fund managers who charge a nice hefty fee, no doubt.

What about people with chronic illnesses like HIV or diabetes…or would quarterly doctor visits for diabetes management be considered “excessive consumption” in your scheme? Would the expenses of diabetes testing supplies and meds be considered “excessive” consumption as well? And would you consider people who caught HIV through unsavory means as lesser than one who contracted it through an accidental needle stick in a medical office. How about a fat person, like me, who is diabetic because he’s fat? Unworthy?

Then again, those who are in perfect health have no care in the world when it comes to these issues, eh?
 
You are NOT correct. I am for single-payer myself. That would cover Pathia’s situation.
Click to expand...
You, on the other hand are for the “market” to magically solve all problems through some magical “medical savings account” scheme. Pray tell, what would these funds be doing while waiting to be used? Invested in some high-risk stock funds managed by fund managers who charge a nice hefty fee, no doubt.
Click to expand...
What about people with chronic illnesses like HIV or diabetes…or would quarterly doctor visits for diabetes management be considered “excessive consumption” in your scheme? Would the expenses of diabetes testing supplies and meds be considered “excessive” consumption as well? And would you consider people who caught HIV through unsavory means as lesser than one who contracted it through an accidental needle stick in a medical office. How about a fat person, like me, who is diabetic because he’s fat? Unworthy?
Click to expand...
Then again, those who are in perfect health have no care in the world when it comes to these issues, eh?
Click to expand...
Dang LCM, take a breath.

Is is your belief the govt is best suited to provide health care to Americans?
 
LC (or other informed)- I’m confused. Give me the short version on what single payer is.
 
BamaRider said:
LC (or other informed)- I’m confused. Give me the short version on what single payer is.
Click to expand...
Single-payer is where there is one agent who acts as the insurance company for medical services. People pay premiums to the agency which pays for services as needed. Once can obtain medical services wherever they want and any covered medical service is paid for. Doctors and hospitals would continue to be public or private practice as they are now. Medicare is an example of this.
 
It would seem that at least for health care later in life, most people seem to prefer a single payer system to medical savings accounts. After all, if you want a MSA for when you retire, it is quite simple, just put more money into your 401k or similar plan. Then when you retire, just choose part A for medicare and use your own invested funds instead of taking out part B. Unfortunately, very few people opt for that strategy. I guess socialized medicine is preferable to MSAs.
 
stinkcat_14 said:
It would seem that at least for health care later in life, most people seem to prefer a single payer system to medical savings accounts. After all, if you want a MSA for when you retire, it is quite simple, just put more money into your 401k or similar plan. Then when you retire, just choose part A for medicare and use your own invested funds instead of taking out part B. Unfortunately, very few people opt for that strategy. I guess socialized medicine is preferable to MSAs.
Click to expand...
You’re not talking about socialized medicine, though, you’re talking about single payer. Doctors and hospitals are paid through Medicare but are not employed by the government.

Socialized medicine would be where the government owns and operates the entire health care apparatus, top-to-bottom.
 
Actually I think most people once they reach age 65 sign their medicare A&B over to their health insurance. This gives you a of kind double coverage. You do realize medicare will go broke before social security and you want to start another government run organization. By signing over your medicare almost all of your medical bills including prescriptions are covered 100%. I have a great idea you pay for your health care and I will pay for mine
 
LCMS_No_More said:
You are NOT correct. I am for single-payer myself. That would cover Pathia’s situation.
Click to expand...
By tomorrow?😉
LCMS_No_More said:
You, on the other hand are for the “market” to magically solve all problems through some magical “medical savings account” scheme.
Click to expand...
You, on the other hand are for the “government” to magically solve all problems through some magical “free health care” scheme. 😛
 
stinkcat_14 said:
It would seem that at least for health care later in life, most people seem to prefer a single payer system to medical savings accounts. After all, if you want a MSA for when you retire, it is quite simple, just put more money into your 401k or similar plan. Then when you retire, just choose part A for medicare and use your own invested funds instead of taking out part B. Unfortunately, very few people opt for that strategy. I guess socialized medicine is preferable to MSAs.
Click to expand...
MSAs as I have described them do not exist. If we want them, we must create them.

It is therefore incorrect to say “most people seem to prefer a single payer system to medical savings accounts,” because they don’t have that choice.
 
vern_humphrey said:
MSAs as I have described them do not exist. If we want them, we must create them.

It is therefore incorrect to say “most people seem to prefer a single payer system to medical savings accounts,” because they don’t have that choice.
Click to expand...
Let’s see the difference between an MSA and a 401K:
  1. You put money into both on a pre-tax basis.
  2. The earnings on both are not taxed when they accrue.
  3. The main difference is that with a MSA you can take the money out tax free, with a 401k the money is subject to tax. However, many people over 65 pay no income tax, so for them, there is no significant difference between the two. Many who do pay taxes, pay very little. Certainly it would be better to pay a 15% tax rate and negotiate 25% of the cost of your medical bill.
 
Status
Not open for further replies.
Back
Top