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SCseagoat
Trad climber
Santa Cruz
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Oct 23, 2013 - 09:33pm PT
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mandatory insurance"
Do you drive a car?
Susan
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rick sumner
Trad climber
reno, nevada/ wasilla alaska
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Oct 23, 2013 - 09:54pm PT
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Our United healthcare/Golden Rule high deductible plan of 20 plus years was cancelled ( they pulled out of Alaska altogether) due to changes of ACA, according to their letter in June of 2012. We signed up with Premera/ Blue Cross with an even higher deductible ( 10,000 from 7500) than Golden Rule and anything they judged to be "preconditions" not fully covered for a year from the policy date, price slightly less. A week ago we received a letter from Premera/Blue Cross indicating our premium will rise approximately 50% as of 1-1-2014. This is typical of the self employed in the individual market in AK.
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TGT
Social climber
So Cal
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Oct 23, 2013 - 10:00pm PT
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No!
You always talk to long.
It happens when they finally get thru and discover what the premiums and deductibles are.
[Click to View YouTube Video]
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TGT
Social climber
So Cal
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Oct 23, 2013 - 10:33pm PT
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the gov't pays you
Just what you want isn't it.
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rottingjohnny
Sport climber
mammoth lakes ca
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Oct 23, 2013 - 11:11pm PT
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I hope they have mandatory prostate checks...
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Snowmassguy
Trad climber
Calirado
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Oct 24, 2013 - 12:18am PT
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^^^^is that.......SATAN ( Church lady voice)
Well I have managed to avoid putting the family on Obummercare. I did get the great fortune of re signing with my current provider( originally they said they were effectively canceling the policy) for about $300 more per month, increased deductible, smaller network of DR's, increased co pays and increased % of what I owe after deductible has been fulfilled. They did throw in some worthless dental insurance for my kids though ???
Overall, less bene's, greater expense but woowhoo, I still have insurance for my family. What a Frickin mess.
Yep, this is great.
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Guangzhou
Trad climber
Asia, Indonesia, East Java
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Oct 24, 2013 - 02:22am PT
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You can let your European friends know that they don't have to give up European citizenship when they become Americans.
I personally love America. I know Healthcare suck in what I consider to be the greatest country. Because of Healthcare, when my wife and I talk about our retirement, we look towards France more than America.
Southern France or Lake Tahoe are top of my list. Sierras would win, but healthcare could force me to climb in Verdon instead.
I do remember reading somewhere that because they are paid, Europeans get medical check-ups more often. Article supported that this saved medical expenses. Makes sense to me. Just wonder why more insurance companies don't require and pay annual checks.
Eman
A dual citizen
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ruppell
climber
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Oct 24, 2013 - 09:44am PT
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The cost of insurance for my wife and I just DOUBLED. Congrats Obama you just made me a Republican.
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Degaine
climber
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Oct 27, 2013 - 06:07am PT
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Guangzhou wrote:
I do remember reading somewhere that because they are paid, Europeans get medical check-ups more often. Article supported that this saved medical expenses. Makes sense to me. Just wonder why more insurance companies don't require and pay annual checks.
FYI – there is no single European healthcare system, each country has its own system. The French, for example, do not get paid to get regular checkups. France has the number 1 healthcare system on the planet (all criteria combined).
Also, %GDP is not nearly as good an indicator as per capita healthcare spending. The US spends twice as much per capita as France and Germany - US = $8,000 per capita, compared to FR/GER = $4,000 per capita (rounded off figures for simplicity) – and yet the US does not cover its entire population and has worse outcomes in most categories.
As you write, regular checkups are part of the equation. These allow catching something in its early stages to avoid an ER visit or hospitalization, whereas in the USA, the uninsured often wait until they need urgent care before heading to the ER to see a doctor.
However, a visit to the GP in France costs 23 € (about $30) where as a visit to your GP in the US costs between $110-$130 at least. Depending on the insurance I’ve had over the years (changes with jobs), I’ve had $30 co-pays.
An ultrasound in France costs 75 €, the average bill in the USA is $450. Do you see where I’m going with this?
Add to that the propensity in the USA to use high cost imaging modalities such as MRI or CT when only 3 out of 10 patients actually need it, well, yet another piece of the explanation puzzle as to why healthcare costs so much more in the USA. But that’s not all, since Japan uses a lot of this type of imaging and yet spends only 1/3 of what the USA spends per capita on healthcare.
Take into consideration the points the TIME article made a while ago, and you’ll understand that there often is no rhyme or reason for the cost of a given procedure. The corporation providers and insurances are bilking the American public and will continue to do so as long as mum’s the word.
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Degaine
climber
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Oct 27, 2013 - 06:10am PT
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ruppell wrote:
The cost of insurance for my wife and I just DOUBLED. Congrats Obama you just made me a Republican.
Has nothing to do with the ACA. But keeping thinking that, and please, vote Republican, it's your right.
But please do me a favor and promise not to come back and whine like you just did in the above post when you can't get insurance because of a pre-existing condition, and end up going bankrupt paying for care.
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pyro
Big Wall climber
Calabasas
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Oct 27, 2013 - 11:37am PT
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The cost of insurance for my wife and I just DOUBLED. Congrats Obama you just made me a Republican.
LOl!
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apogee
climber
Technically expert, safe belayer, can lead if easy
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Oct 27, 2013 - 05:05pm PT
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Fret not...Single Payer is on it's way!
(Where we should have been in the first place)
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Norton
Social climber
the Wastelands
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Oct 27, 2013 - 09:43pm PT
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I'm confused how people are reporting greatly increased rates (even though that seems to happen all the time, even before Obamacare, when one provision of the law limits Insurance Industry profits
no reason for confusion, Karl
They are lying, flat our lying
extremely they even got a username and password established to even get through, apply,
and have heard back with a definitive quote yet
I can state with verifiable accuracy that my own person monthly payment went down $40 a month
and incredibly my annual deducatible was cut in half from $2500 to $1250, all directly because
as Karl pointed out, the ACA required that at least 80% of premium dollars be spent, gasp, on
healthcare or refunded, which was what happened in my case.
By the way, what IS the republican healthcare plan to insure 30 million more anyway?
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stevep
Boulder climber
Salt Lake, UT
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Oct 27, 2013 - 10:55pm PT
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Thge increased costs of the Unaffordable Healthcare Tax are easy to understand when;
A 55 year old woman has to pay for maternity coverage
A 20 year old man has to pay for prostate exams
TGT
Those are part of the mandatory package of preventative care that plans are required to offer. No one is going to make the 22 year old get a prostate exam. Or the 55 year old women get preggers and go to an OB.
But the marginal cost of having everyone pay for prevention is pretty small.
The cost of not doing preventative care and covering prostate cancer or a bad pregnancy, or any number of otehr things is very high.
Would you really rather we didn't try to prevent this stuff?
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Sean Garecht
Trad climber
Reno, NV
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Oct 28, 2013 - 02:02pm PT
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40yr old male in Nevada. Have blue cross blue shield. Got the letter in the mail that I was dropped. Insurance went from $106 to $378. Just another $3,264 out of my pocket. Not happy.
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