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For those who Don't get their Health Care from their employer

midlifebear

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The last time Blue Cross of Nevada bothered to offer a quote for premiums, they wanted $1,500 a month, a $20,000 annual deductible, and would pay 80% of all medical expenses up to a maximum of $100,000 -- for my lifetime. That was in 2001. So, when the fortunes of fate offered the opportunity to become a Spanish Resident I hired the best Dyke-on-a-bike attorney in BCN, filled out the appropriate papers and have been thrilled to pay the 38-42% income tax on business income charged to our little Sociedad Autonoma every year.

Whenever I fly back to the States, I pay 350€ for every 30 days I'm in the USA to a private EU insurance company to cover me for catastrophic coverage AND to get me back to Spain.
 

unique_exposure

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Blue Cross Blue Shield: 30% increase.
(2008: +20%).

Their paper letter explanation was "everyone's has gone up."
[read: "its nothing personal, but screw you"]

I still consider myself extremely lucky compared to what many are paying.
 
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Blue Cross Blue Shield: 30% increase.
(2008: +20%).

Their paper letter explanation was "everyone's has gone up."
[read: "its nothing personal, but screw you"]

I still consider myself extremely lucky compared to what many are paying.

Fortunately, when this all blows over, you'll get the "We're reducing your rates by half because everything's going down!" letter.
 

cdarro

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No charge for basic. $41.50/month for Alberta Blue Cross. I have my choice of doctors, 30% co-pay for drugs, negligible wait times for specialists. Basic dental coverage but not familar with extras as I haven`t had to use them recently. Blue Cross cost coverage doubled on Jan 1, as "Trinity" was so keen to point out, but basic premiums of $54/month were eliminated, so I'm $21.50 ahead.
 

dandelion

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In the UK health care comes out of taxation so as people with bigger incomes pay more tax, they pay a bigger proportion of health charges. However the health system costs around £100 billion for 60 million people, or about $200 dollars per month each. You dont get asked funny questions about paying if your rushed into hospital and would get just the same care, which is pretty good. I'm sure the luxury end of US health care would be better, but if you have the money you can pay for the very best here too. Some people here take out private health care too but as it hasnt really caught on, I suspect it isnt really any better unless you are maybe the sort of person who needs to pay for convenience.
 

lucky8

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25%...raising our rates is about the only thing Washington has accomplished...
 

badgirl22

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After divorce I have cobra coverage for two years and it's $600/month. Yikes!
 

crescendo69

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As a non-smoking, non-overweight diabetic, I have chosen the "S" plan of BlueCrossBlueShield of Tennessee, which charges $835/month. TennAccess pays 80% of that since I am so poor with a chronic condition. It has a $1000 deductable, and covers 80% of medical bills after that, so no co-pay. Prescriptions are bought mostly through mail order under three classifications, costing either $10/25%/50% up to $100 max for a three-month supply. I didn't spring for the dental plan, and eyeglasses/appointments are not covered. Damn, I need a teeth cleaning.

Darn, forgot the OP's question; my share of the premiums went up only $10 since last year.
 
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About 20% for two. Despite the increase, it's still a very good deal because it's an HMO. Gotta love the rates the Canadians pay. The failure of America to collectively address our health care needs is pathetic.
 

vince

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About 20% for two. Despite the increase, it's still a very good deal because it's an HMO. Gotta love the rates the Canadians pay. The failure of America to collectively address our health care needs is pathetic.
We pay through our taxes. Which may be a little higher, but not 600 to 800 dollars a month higher. Costs are lower due to the non-profit insurance plan, less litigation and less paperwork for providers to handle.

Jeezus, how do you afford it and still have to pay those deductibles and co-pays? I guess 40 million can't and millions more stay poor paying the premiums.
 
D

deleted15807

In case anyone hasn't heard.....

Soaring cost of healthcare sets a record


In a stark reminder of growing costs, the government has released a new estimate that healthcare spending grew to a record 17.3% of the U.S. economy last year, marking the largest one-year jump in its share of the economy since the government started keeping such records half a century ago.

The almost $2.5 trillion spent in 2009 was $134 billion more than the previous year, when healthcare consumed 16.2% of the gross domestic product, according to an annual report by independent actuaries at the federal Centers for Medicare and Medicaid Services, or CMS, scheduled for release Thursday.
 

slurper_la

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While most of my health care insurance is employer paid I thought I'd add to this discussion to highlight issues in CA.

In October 2008, with the economy tanking and insurance rates rising, my employer had to adjust the practice of paying 100% of premiums. All staff members had to kick in a percentage of the premium costs per month. For me that totaled $127, about 25% of the total. In June 2009, the company was advised Blue Shield CA was raising its rates 30% and they were considerate enough to give us one month's notice.

Our CFO scrambled to change providers and had to settle for Kaiser and everyone had the choice of HMO or PPO, I chose PPO.

My contribution has decreased to $120 and I still haven't figured out what my deductibles, co-pays and annual / lifetime limits are but they're not good.

I wish it was within the president's power to cancel health insurance for congress until they come up with a fix for this horrendous problem. Then I'd like to shove a barbed stick up John Boehner's ass and see how much it will cost him to have it removed by a doctor.
 
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Yes, thanks republitards.

Truly a shame that grotesque, bloodthirsty lawyers like John Kerry have pillaged billions in lawsuits against doctors and ultimately insurance companies, which has driven up insurance costs and doctors' liability coverage to levels that are driving good doctors out of the business altogether.

Sue, sue, sue. Sue every corporation. Those greedy bastards.


Oops. Everyone's insurance premiums are going up? Aw shucks. Its the evil insurance companies!! John Edwards is fighting against the evil corporation!!!!



Insurance? What insurance??

Since the beginning of time, the notion of insurance is simply spreading risk among a group of people. With the advent of multimillion dollar lawsuits being borne amongst liberal lawyers, that risk has escalated into the stratosphere - which has caused skyrocketing insurance premiums.

Thanks again liberal lawyers. John Kerry. Stan Chesley. The rest of you disgusting gutter rats that have singlehandedly annihilated the insurance business. Oh - and 40% of the take on a settlement seems like real justice you fucking lowlifes.
 

midlifebear

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Dear slurpeer_la:

I volunteer to shove the barbed wire up John Boehner's ass. But if I do, I'll prevent it from ever being removed.

That's a good idea about suspending all health care for congressmen and senators. I like that idea a lot. A real lot, as in mucho.

MLB
 
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Dear slurpeer_la:

I volunteer to shove the barbed wire up John Boehner's ass. But if I do, I'll prevent it from ever being removed.

That's a good idea about suspending all health care for congressmen and senators. I like that idea a lot. A real lot, as in mucho.

MLB

Sue somebody.
 

midlifebear

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Uh Oh, the starpooper is back with more poop to throw. I wonder why he's never mentioned anything about health insurance companies being basically immune from anti-trust laws in the USA? He must own 2.5 shares of Kaiser-Permanente or something in his 401K that used to be work $250, but is now still around $31.
 

nudeyorker

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I have mine through SAG union. It went up from $1,200.00 quarterly to $1,600.00 quarterly for health, dental and vision. I was bitching about it until I read this thread.
 
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Uh Oh, the starpooper is back with more poop to throw. I wonder why he's never mentioned anything about health insurance companies being basically immune from anti-trust laws in the USA?

Actually, I'm in complete agreement on this issue. It really upsets me.

He must own 2.5 shares of Kaiser-Permanente or something in his 401K that used to be work $250, but is now still around $31.

No healthcare. Do have some pharm - MRK and PFE.
 
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Yes, thanks republitards.
Truly a shame that grotesque, bloodthirsty lawyers like John Kerry have pillaged billions in lawsuits against doctors and ultimately insurance companies, which has driven up insurance costs and doctors' liability coverage to levels that are driving good doctors out of the business altogether.

Sue, sue, sue. Sue every corporation. Those greedy bastards.


Oops. Everyone's insurance premiums are going up? Aw shucks. Its the evil insurance companies!! John Edwards is fighting against the evil corporation!!!!





Since the beginning of time, the notion of insurance is simply spreading risk among a group of people. With the advent of multimillion dollar lawsuits being borne amongst liberal lawyers, that risk has escalated into the stratosphere - which has caused skyrocketing insurance premiums.

Thanks again liberal lawyers. John Kerry. Stan Chesley. The rest of you disgusting gutter rats that have singlehandedly annihilated the insurance business. Oh - and 40% of the take on a settlement seems like real justice you fucking lowlifes.


Oops, i meant John Edwards.

Freudian slip? Weird.
 

maxcok

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Yes, thanks republitards.

Truly a shame that grotesque, bloodthirsty lawyers like John Kerry have pillaged billions in lawsuits against doctors and ultimately insurance companies, which has driven up insurance costs and doctors' liability coverage to levels that are driving good doctors out of the business altogether.


Sue, sue, sue. Sue every corporation. Those greedy bastards.


Oops. Everyone's insurance premiums are going up? Aw shucks. Its the evil insurance companies!! John Edwards is fighting against the evil corporation!!!!


Since the beginning of time, the notion of insurance is simply spreading risk among a group of people. With the advent of multimillion dollar lawsuits being borne amongst liberal lawyers, that risk has escalated into the stratosphere - which has caused skyrocketing insurance premiums.


Thanks again liberal lawyers. John Kerry. Stan Chesley. The rest of you disgusting gutter rats that have singlehandedly annihilated the insurance business. Oh - and 40% of the take on a settlement seems like real justice you fucking lowlifes.
It so happens that I am in favor of tort reform within reasonable limits. However, the costs attributable to this, either directly or indirectly, within the grand scheme of the amount of money wasted within the system are a drop in the bucket. For you (and the Republicans in Congress) to fixate on this to the exclusion of so many other problems demonstrates:

a.) your extreme myopia.
b.) your lack of understanding the complexities of the issue.
c.) your determination to point fingers and deliberately distract from many much larger problems.
d.) your allegiance to corporate interests and profits above all else to the detriment of the consumer.
e.) all of the above.

I pick e.) all of the above.

As for you obsessively requoting my same comment above, I don't understand the point of that. It should be clear to you that Republicans have stood in the way of any meaningful reform to the healthcare system, now and for some time. Fortunately and finally, this is becoming clear to the American people as well. I don't think ultimately that will play well for your party. My comment, in case you didn't get it, was understated, intentionally flip and very personal. Without knowing my insurance and medical situation, I would suggest you let this one go.
 
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quercusone

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Mine went up 20% this year. And that's in Texas where we have had medical malpractice limits for several years now which is supposed to reduce our costs. Hasn't happened......whatever cost savings there are sure are not trickling down to we normal folk. On top of my increase, I have pre-existing conditions which are not covered. On top of that, I pay property taxes towards the public hospital here while white suburban conservatives pay nothing to the public hospital (different county) but send there indigent citizens to my county hospital. How is that fair?
 

maxcok

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. . . Then I'd like to shove a barbed stick up John Boehner's ass and see how much it will cost him to have it removed by a doctor.
. . . I volunteer to shove the barbed wire up John Boehner's ass. But if I do, I'll prevent it from ever being removed.
Funny you all should mention this. Watching the summit yesterday, I observed to a friend that in addition to being more tan than George Hamilton and more bleary-eyed than Nick Nolte on a four day binge, everytime I see John Boner it looks like his butt stick has gotten bigger. He's a notorious boozer btw, and probably passed out in his tanning bed again.

I never saw such an assemblage of smartasses and sourpusses as the Republicans at that table. McCain looked to have the biggest butt stick of all, not surprising. Those boys really don't like being forced into an honest discussion, and being shown up as the liars, dissemblers and blame shifters they are - especially when the cameras are rolling. If looks could kill, there wouldn't have been a Democrat alive at the end. Petulance on parade.
 

maxcok

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Mine went up 20% this year. And that's in Texas where we have had medical malpractice limits for several years now which is supposed to reduce our costs. Hasn't happened......whatever cost savings there are sure are not trickling down to we normal folk. . . .
So there you go: Tort reform = Straw man = bigger profits

Anyone surprised?