Health Care Costs

[Old-Biscuit]

Hang on to your wallet.

Health Insurance Companies are seeking rate increases.....big ones!!
....new customers turned out to be sicker than expected.

Article

[peaches_cream]

wing_zealot wrote:

NJRVer wrote:
Interesting, I wonder how many on here that are bashing the ACA are on Medicare, Medicaid, or VA health care?

All three "socialist" healthcare.

Seems to be a lot of "I got mine. The h*** with everybody else" attitudes.

I'm not on Medcicare, Medicaid, VA, or any other health care plan except the one I pay for myself. My out of pocket expenses are now very close to $20,000.00 per year (I hate to add them up it makes me sick). So you can stick your "I got mine" where the sun don't shine. Cause I'm paying for mine and a whole lot of someone else's too.

I just want to take this opportunity to thank you for paying my Medicare premiums and also my SSI. My working for 50 yrs and paying as much as $40,000 a yr. in taxes does not count, I know. :h

[SH]

wing_zealot wrote:
Cause I'm paying for mine and a whole lot of someone else's too.

[wing_zealot]

NJRVer wrote:
Interesting, I wonder how many on here that are bashing the ACA are on Medicare, Medicaid, or VA health care?

All three "socialist" healthcare.

Seems to be a lot of "I got mine. The h*** with everybody else" attitudes.

I'm not on Medcicare, Medicaid, VA, or any other health care plan except the one I pay for myself. My out of pocket expenses are now very close to $20,000.00 per year (I hate to add them up it makes me sick). So you can stick your "I got mine" where the sun don't shine. Cause I'm paying for mine and a whole lot of someone else's too.

[rfsod48]

I agree Travelnutz, I am a consumer and also a provider of health care and the present system is not sustainable. Everyone needs coverage but everyone including the poorest needs to have skin in the game to make the system work. We need to get off of dependency on the government as a way of life.

[travelnutz]

steveh27,

Your post about those who have contributed into Medicare and VA NOT being socialistic is 100% accurate and very true! Especially as to healthcare as it's you and the others like you who have made it possible for there to even be such in existence.

Being self employed for 99+% of my after college means I had contributed double the percentage of my income to SS/Medicare and others. Self employed persons pay both the employers half and the employees half of SS which is exactly double what a hired employee pays. I more than paid for any Medicare or SS benefits I will receive. So far from being "socialistic" or "socialism"!

I strongly favor personal SS/Medical savings accounts with each of them receiving interest on at the federal bank loan rate on the amount of balance accrued at the end of each quarter period of each year or even semi-annually. We have computers today that will do that automatically so it's not a bookkeeping issue. You only can receive the total value accrued in your own SS account and should you die before your fund us exhausted and ALL debts INCLUDING your healthcare expenses left at the time of your death have been paid in full and your estate having been disolved or passed on to your surviving spouse or designated legal blood children per your will, the remaining balance will go to the next of kin or the benefactor/benefactors in your legal registered will.

Any death tax collected can only be used for paying off any remaing balance where the account holder's medical expenses exceeded their total savings and estate. The death tax fund being available only for such use for the individual account holder or the legal U.S. citizen's general public accounts holders needs. It's your money and why shouldn't you have control of where it will go and to where you want it to go? You don't pay in, you will not and cannot receive out either!

The freebies and population lives control are what socialism is really about. Neither Medicare nor VA healthcare is remotely related to socialism!

[rfsod48]

I would suggest you all search Alexander Tyler and read his thoughts on democracy. We in the U.S. are between apathy and dependency. Our time is limited.

[steveh27]

NJRVer wrote:
Interesting, I wonder how many on here that are bashing the ACA are on Medicare, Medicaid, or VA health care?

All three "socialist" healthcare.

Seems to be a lot of "I got mine. The h*** with everybody else" attitudes.

BS, nothing 'socialist' about medicare & VA. I paid for my medicare over my lifetime. Vets served their country, risking their lives & earned their VA benefits.

Webster defines socialism = "collective or governmental ownership and administration of the means of production and distribution of goods." Quit trying to scare people from supporting a better insurance system.

You would rather have the corrupt system now with overpaid lobbyists from insurers, drug companies, etc. giving huge donations to their candidates to support their private industries to the detriment of private Americans? Cut out the middlemen of insurers.

Why has every other western democracy got some form of single payer insurance system which gives them better health outcomes at 25-50% lower cost?

[Charlie_D_]

Wonder how the health program would work if it was restricted to those who are here legally and those who are born to legal parents?

Two years on Medicaid will get you on to Medicare without ever having paid any money into it. My dentist accepts Medicaid patients who receive free 6 months check ups and care. He has an interpreter on staff because many don't speak English. Child care is subsidized. So many programs and it is no wonder there is so much waste because of the inability to properly track those who use them.

When my son was in high school his principal once said "We are responsible for the education of children from age 4 through 21. One day we will be responsible from birth to the grave." Our government is already at that point.

How much longer can we sustain this. Greece has gone past the point of no return and is about to collapse.

[JIMNLIN]

NJRVer wrote:
Interesting, I wonder how many on here that are bashing the ACA are on Medicare, Medicaid, or VA health care?

All three "socialist" healthcare.

Seems to be a lot of "I got mine. The h*** with everybody else" attitudes.

:B .......

[NJRVer]

Interesting, I wonder how many on here that are bashing the ACA are on Medicare, Medicaid, or VA health care?

All three "socialist" healthcare.

Seems to be a lot of "I got mine. The h*** with everybody else" attitudes.

[mpierce]

Beaker wrote:

IS that the total premium or only after subsidies? Subsidies only apply to the silver plans which all have a $1500 deductible & high copay. I am very curious as to what ACA plan you have......

That is after subsidies. Premium is actually a little over $700.
Silver plan under BCBS of NC.
And yes that is $700 MAX OUT OF POCKET including prescriptions.
Sounds like westernrvparkowner has done as much research as I have.
Income levels determine subsidies and one should understand what "income" is for getting ACA subsidies.
As for financing ACA, do a search.

I don't make the rules but like anything else, understanding them can sometimes help.

steveh27,
Last year there was actually a $O premium, $O deductible silver plan at the lowest eligible income level. Wasn't there this year and possibly since states setup their own exchanges, it may have bee and NC only thing.

Unfortunately, come December, I have to get this thing called Medicare.

Soooooo glad those who do not contribute to society get free, or almost free, health care! We are just above the freebie line.

Our premiums almost doubled, our deductible went up a LOT.
For the same plan, except now, thank God, as a 60 year old man, I have maternity care covered! our premiums went from $550 each to $900 each a month. Our deductible went from $2000 a year each, to $5000 a year each!

So, we went to $31,600 out of pocket before insurance kicks in, from $17,200!

THANK YOU LEFTIES!

But, I am soooooo glad that I now have Maternity Care! When this 60 year old man gets pregnant, it is so stress releaving to know my costs are covered!

[Old-Biscuit]

""As of June 2013, 49% of Americans received some sort of financial support from the government, according to the U.S. Census Bureau........
This includes Social Security........."
The government is now referring to our Social Security checks as a "Federal Benefit Payment............:S

There are eight levels of control that must be obtained before you are able to create a social state. The first is the most important.

1) Healthcare.....Control healthcare and you control the people

2) Poverty.......Increase the Poverty level as high as possible, poor people are easier to control and will not fight back if you are providing everything for them to live.

3) Debt..........Increase the debt to an unsustainable level. That way you are able to increase taxes, and this will produce more poverty.

4) Gun Control...Remove the ability to defend themselves from the Government. That way you are able to create a police state.

5) Welfare.......Take control of every aspect of their lives (Food, Housing, and Income)

6) Education.....Take control of what people read and listen to take control of what children learn in school.

7) Religion......Remove the belief in the God from the Government and schools

😎 Class Warfare.Divide the people into the wealthy and the poor. This will cause more discontent and it will be easier to take (Tax) the wealthy with the support of the poor


Thank you to ALL that have participated in this Discussion. Very revealing!!

[Skid_Row_Joe]

westernrvparkowner wrote:
The really sad thing is there isn't any place you can actually research the ACA. Even my accounting firm, (a large one at that), still is saying they haven't got a handle on all the rules, requirements and operating parameters. Two plus tax years in and we are still operating on a "we think that is OK, but we have no way to be sure."

Without details - there's no way to quantify your post's claims.

I don't have or own a "large accounting firm," but I can tell you to the penny everything about my .gov ACA healthcare plan.

How about some details here??

[Skid_Row_Joe]

travelnutz wrote:
Better do that RV'ing while you can still afford it.

The more that get subsidies and free healthcare/hospitalization/ prescriptions/etc, the more it will cost eveyone else and that's something you can't deny because the money has to come from somewhere and that someone is YOU! So enjoy!

Back in 2009 my wife had both knees replaced, one then 3-1/2 months later the other, and our total out of locket cost to us was $60 ($30 for each).<< Today since Obamacare, that our of pocket cost would be roughly $4,000+ per our niece who is the office manager for a group of surgeons who do those and other operations. This was said this Spring in April and she stated it's gotten worse ecah year for the last 4 years by a lot and they already have been alerted as to the largest increases so far that is coming for next year. Deductible are going thru the roof as are the co-pay ceilings. She sees it every day and has for 23 years now so she knows what is happening. She said that is the average however Medicaid patients have to pay nothing nor do several other types of patients who I can not identify as it would be deleted anyway.

Therefore, the insured people and others pay not only for their insurance and co-pays but also for many others today so just suck it up and shuck out! Something's very wrong to put it mildly!

I/We don't have a personal axe to grind in this healthcare area as we are in great financial shape but most people/retirees aren't! What about them?

Details for above in BOLD??