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

Discussion in 'Politics' started by Industrialsize, Feb 24, 2010.

  1. Industrialsize

    Staff Member Moderator Gold Member

    Joined:
    Dec 23, 2006
    Messages:
    24,283
    Albums:
    2
    Likes Received:
    2,121
    Gender:
    Male
    Location:
    United States
    I'm curious........how much has your insurance gone up this year. Mine went from 701 a month to 803 dollars a month. That's for me alone.
     
  2. midlifebear

    Gold Member

    Joined:
    Dec 21, 2007
    Messages:
    5,908
    Likes Received:
    11
    Gender:
    Male
    Location:
    Nevada, Buenos Aires, and Barçelona
    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.
     
  3. unique_exposure

    unique_exposure New Member

    Joined:
    Jan 29, 2008
    Messages:
    577
    Albums:
    1
    Likes Received:
    1
    Gender:
    Male
    Location:
    Southwest
    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.
     
  4. SilverTrain

    Gold Member

    Joined:
    Aug 25, 2008
    Messages:
    4,582
    Albums:
    8
    Likes Received:
    404
    Gender:
    Male
    Location:
    USA
    Fortunately, when this all blows over, you'll get the "We're reducing your rates by half because everything's going down!" letter.
     
  5. vince

    Gold Member

    Joined:
    May 13, 2007
    Messages:
    14,785
    Albums:
    1
    Likes Received:
    539
    Gender:
    Male
    Location:
    Asia
    $57.00 CDN. It went up 3 dollars as of January 1.
     
  6. cdarro

    cdarro New Member

    Joined:
    Jul 24, 2009
    Messages:
    493
    Likes Received:
    1
    Gender:
    Male
    Location:
    Southern Alberta, Canada
    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.
     
  7. cdarro

    cdarro New Member

    Joined:
    Jul 24, 2009
    Messages:
    493
    Likes Received:
    1
    Gender:
    Male
    Location:
    Southern Alberta, Canada
    Actually $34 ahead. Too late to edit.
     
    #7 cdarro, Feb 25, 2010
    Last edited: Feb 25, 2010
  8. dandelion

    Verified Gold Member

    Joined:
    Sep 25, 2009
    Messages:
    7,872
    Albums:
    2
    Likes Received:
    598
    Gender:
    Male
    Location:
    UK
    Verified:
    Photo
    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.
     
  9. maxcok

    Gold Member

    Joined:
    Nov 17, 2009
    Messages:
    7,392
    Likes Received:
    12
    Gender:
    Male
    Location:
    Elsewhere
    If you Canadians weren't so nice, I might start hating you right now.
    If it weren't so cold, I might move there.
     
  10. lucky8

    Gold Member

    Joined:
    Oct 30, 2006
    Messages:
    3,716
    Likes Received:
    17
    Gender:
    Male
    25%...raising our rates is about the only thing Washington has accomplished...
     
  11. badgirl22

    Verified Gold Member

    Joined:
    Oct 15, 2008
    Messages:
    756
    Albums:
    1
    Likes Received:
    123
    Gender:
    Female
    Location:
    US
    Verified:
    Photo
    After divorce I have cobra coverage for two years and it's $600/month. Yikes!
     
  12. justasimpleguy

    justasimpleguy Active Member

    Joined:
    Feb 11, 2009
    Messages:
    425
    Albums:
    4
    Likes Received:
    126
    Gender:
    Male
    mine went up too fucking much. and the deductible already sucked.
     
  13. oral7454

    oral7454 New Member

    Joined:
    Feb 18, 2010
    Messages:
    29
    Likes Received:
    2
    Gender:
    Male
    Location:
    Columbus (OH, US)
    I have cobra coverage for 18mo. and employer subsidises most of it, don't know what i'll do after that!!
     
  14. crescendo69

    Gold Member

    Joined:
    Aug 27, 2006
    Messages:
    8,142
    Likes Received:
    20
    Gender:
    Male
    Location:
    Knoxville, TN
    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.
     
    #14 crescendo69, Feb 25, 2010
    Last edited: Feb 25, 2010
  15. D_Tully Tunnelrat

    D_Tully Tunnelrat New Member

    Joined:
    Jun 25, 2004
    Messages:
    1,168
    Likes Received:
    1
    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.
     
  16. maxcok

    Gold Member

    Joined:
    Nov 17, 2009
    Messages:
    7,392
    Likes Received:
    12
    Gender:
    Male
    Location:
    Elsewhere
    Yes, thanks republitards.

    Insurance? What insurance??
     
  17. vince

    Gold Member

    Joined:
    May 13, 2007
    Messages:
    14,785
    Albums:
    1
    Likes Received:
    539
    Gender:
    Male
    Location:
    Asia
    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.
     
  18. sargon20

    Gold Member

    Joined:
    Mar 14, 2006
    Messages:
    11,370
    Likes Received:
    2,101
    Gender:
    Male
    Location:
    Atlantis
    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.
     
  19. slurper_la

    Gold Member

    Joined:
    Jul 6, 2008
    Messages:
    5,359
    Albums:
    2
    Likes Received:
    717
    Gender:
    Male
    Location:
    Los Angeles (CA, US)
    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.
     
  20. B_starinvestor

    B_starinvestor New Member

    Joined:
    Mar 1, 2006
    Messages:
    4,409
    Likes Received:
    0
    Gender:
    Male
    Location:
    Midwest
     
Draft saved Draft deleted