Is it Better Without Health Insurance?
Is it Better without health Insurance?
We always complaint about the cost of Health Insurance and we would like an explanation about it. Why is it that when you have health insurance you end up paying more than when you do not have it? Yes! You pay more with health Insurance than with out it. There are some serious things to fix in this system.
If you decide to buy your insurance from big companies like Blue Cross or Humana, the cost of your health insurance will be, depending on your circumstances (age, weight, etc), a big part of your salary. The cost of the plans that the insurance companies offer will push you to adjust the rate with an increasing deductible because, the higher the deductible the lower the monthly premium. For instance $2500.00. which has to be met before any amount be paid from the insurance company.
If you happen to get sick or end up in the hospital, in many instances, you will end up paying more than others without health insurance. Why do I say this? Because, if your treatment costs $2000.00., the hospital will ask you for that amount and in top of that you have to be up to date with your insurance payments. If the fiscal year of the health insurance is about to end, the $2500.00 will have to be cover again the following year to be able to utilize the health insurance policy. In other words you are making your insurance payments but you had to pay the full amount of the cost of your treatment.
How about if you did not have any health insurance when you go to the hospital? Well, the hospital or doctor will give you a “non-insured rate” which could be less than half of what corresponds to an insured individual. In other words, if you have insurance you pay $2000.00 but if you do not have any insurance you may pay $800.00.
A specific scenario: If you pay $300.00 per month for your health insurance and you end up using it once in the year on an emergency room situation and you had to pay $2000.00 for the treatment, that particular year your expense will be $5600.00. $3600.00 on insurance fees and $2000.00 for the treatment (plus prescription drugs) and the full amount has to be covered by you. But, if you did not have any health insurance coverage, you may end up paying a total of $800.00 for that year.
Major health insurance may be a good thing to have for expenses over $10000.00 but, of course, you can not get health insurance with a preexisting condition covered from the beginning of the policy. In other words, if you know that you are going to be expending a big amount in hospital fees soon, it will be very difficult to get approved for coverage. If you just want to go to the doctor to get a regular check up, for a cold or small diagnostics and you use your insurance to work towards the deductible, you have a though decision to make. Will I pay $60.00 by telling them that I have no health insurance or should I pay $160.00 and use that money to cover part of my deductible?
Hospitals and health care providers charge more to insured people because they may want to make up for the money lost to patients that have no coverage but, why should people that get health insurance coverage and make their monthly premiums pay for the ones that don’t?. This bring me to the question, is it better no to have major health coverage? Should I let others pay for my insurance expenses? The problem is, to me, that when there is an adjustment made by the governmental insurance regulation departments, is always done in a way that will make people expend more money in doctor fees or insurance coverage.
We need to do something about our health care system because more and more people will soon start seen that it is, in some instances, better no to have health insurance coverage. Money is lost by hospitals and health care providers but more money is lost by health insurance holders. The promise from the government has been that something is going to be done. We can not sit down and wait anymore.
There are many good insurance plans but most of them are tailored for families with high income or, if you are part of the low income population, you may get help from government programs. If you want to get major health insurance and you are part of the middle class, I doubt you can afford it
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By popular Space Fan request, I offer this video to help answer some of your questions regarding the expanding universe. Many of you consistently ask: If the universe is expanding, then what is it expanding into? This concept is non-trivial to try and explain in a 5 minute YT video, but I do my best. I hope this helps! Thanks to all of you space fans for watching this channel, it means a lot to me. Music from Kevin MacLeod: incompetech.com
Help answer the question about health
Why does public health care fit the criteria to be considered an issue?I need 12 examples so a little help would be nice! Thanks so much to whoever helps. I really need it! By the way, by public health care I mean Canadian health care. So like, free health care but higher taxes.
Blue Cross/Blue Shield offers a LARGE variety of individual plans, that are fairly reasonable.
I'm not sure what your definition of "expensive" is, either.
If they start fining people, I guess that would be a way to pay off the national deficit.
There are 47 million people without health insurance, no doubt because they cannot afford it. Do the math: 47 million x $3800.00 = a BIG CHUNK OF CHANGE going to uncle Sam. The whole concept is totally ludricrous. Now I have heard everything.
Why don't they just offer free health care to everyone and be done with it. Health care is just a big profit making scheme anyway. You can't really trust it to anything other than take your money.
Probably half the people with cancer don't really have it anyway.
It's a revolving door, once you enter the forbidden chambers your life becomes a roll of the "die." (No pun intended).
@MiaoPurrington But I also wonder if we would have been better off staying a Libertarian nation from the beginning. Our dollar has dropped 95% since the federal reserve regime came to power. In spite of our spending, I wonder if we’d be richer today if we kept the dollar attached to precious metals. Though we wouldn’t wield much of a bargaining chip with China as we do now, but would our overall hypothetical boost in wealth make up for that.
@MiaoPurrington I concede though that the world is a lot more complex than some libertarians would like to believe, and that doing things such as putting our dollar back on the gold standard now would only send our creditors dumping their dollar reserves, 1 trillion, and running for the door. I wonder if such imperialist actions, such as controlling oil, propping up our fiat currency, etc. Are necessary to our survival as a nation, since we hardly manufacture anything.
healthquotes.awardspace.info – my family have this health insurance. It is affordable and has good coverage for dental issues.
I would happily accept a tax increase for universal health care coverage. Out of my own say 20 years of working I have probably had health coverage for less than half that time. The problem is, the wealthy people would find ways of getting out of any tax increases and it would become the burden of the middle class, so it could not be carried out so that everyone is sharing according to their ability.
They are required to give you, and only you, the reason for the denial but they are not required to give you the test results. For example, they would tell you if they denied you because of a heart problem but they don't have to tell you the exact problem nor the readings from the test.
I actually like Ron Paul for a time. But the Libertarian label is a guise and their views is a throwback to pre-Civil rights ethos that are frankly unnecessary and counterproductive. Ron is full of shit and his son is overflowing with shit.
No. Costs will rise so much and price even more Americans out of the market, and decent healthcare.
I do not understand why so many Americans have fallen for lies about healthcare in the USA, abroad and also the planned reforms [1]. I mean, if the healthcare system in the USA is so good, why have no other nations taken it up? Could it be due to the following facts?
FACT – the USA spends more on healthcare PER PERSON than any other nation on the planet [2].
FACT – the US has higher death rates for kids under five than western European countries with universal health coverage [3].
Or if the US healthcare system is run so well, why not run the fire service like the healthcare system? [4]
Maybe that is because in the USA, insurance companies push up costs, buy politicians and refuse to pay claims that people pay for [5]. (Look up Wendell Potter on YouTube to hear more if the link below is too long.)
Obama wants to make insurance cheaper, stop insurance companies from refusing health coverage to those with pre-existing conditions, and make sure they pay out when they are meant to [6], a system similar to that which works in Taiwan [7]. He debated this before he was elected [8].
Is it right that a dead American four year old would have had a better chance of life if they were born in Canada, Cuba, Germany and so many other industrialised nations with universal healthcare?
If you think my arguments are wrong, e-mail me with proof. But if you can not, let Obama try to help America. If he fails, vote him out in 2012.
Neocon Israel-Slave AIPAC-Owned War-Loving-Puppet Zionist Crypto-Jew Rand Paul Is THE OPPOSITE of Ron Paul.
Zionist Neocon Rand Paul WAS CREATED by Israel..
judicial.coolpage. biz/ttran_paul.htm
spectator. org/blog/2010/04/22/rand-paul-and-israel
news.yahoo. com/s/csm/20100526/cm_csm/304023
Rand Paul is NOT Ron Paul, Rand Paul IS Joe Lieberman, Look what Rand Paul has said and believes in
Neocon Pro-War Rand Paul the Establishment GOP
time. com/time/politics/article/0,8599,1972721,00.html
If you need insurance then go join the military! They provide it as part of a benefits package. With that high deductible, you should have an HSA. Check that out.
Many people think they can manage it without insurance. But what if you have a complicated pregnancy that results in your being on hospitalized bed rest for 3 months? Can you afford to take that risk of incurring upwards of hundreds of thousands of dollars in hospital costs?
If insurance is available to you, get it. If not, look into getting maternal medicaid through your local county human services department.
healthplans.my-age.net – here is my health insurance plan. As I remember they can provide such a service.
at least Ron had the guts to say the last administration did help with this fuck up! dickhead bush.
@rockhardxrocker Agree that the last line of my comment was excessive. Sorry I didn’t provide the information to back up my stance, but I am lazy so bear with if you can. If you can’t feel free to bash. Thank you
@MiaoPurrington I’ve looked into different political philosophies, and limited gov seems to make sense. Is there something I’m missing? Or are you the liberal type to just call libertarianism “racist”, for some arbitrary reason, and side step the entire argument to then relish in your satisfied self righteous unwarranted elitism?
@MiaoPurrington Don’t insult without explaining. I wouldn’t mind hearing your ‘splaining.
I’m very worried about Rand Paul getting into politics…