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Millions should cancel their medical insurance and pay out of pocket!

This is a discussion on Millions should cancel their medical insurance and pay out of pocket! within the Healthcare/Insurance/Govt Healthcare forums, part of the US Discussion category; We need to remember the medical insurance industry was very much involved in writing the new Obamacare. Obamacare was written for the medical insurance industry. ...


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Old 01-16-2012, 04:40 PM
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Millions should cancel their medical insurance and pay out of pocket!

We need to remember the medical insurance industry was very much involved in writing the new Obamacare. Obamacare was written for the medical insurance industry. So is the high dollar return to status quo that repubs favor.

Bill Moyers Journal: Bill Moyers & Michael Winship: In Washington, Revolving Doors are Bad for Your Health

Does the medical insurance industry provide healthcare? Hell no just a grand opportunity to make huge profits at your expense!

The USA does not need the medical insurance industry aka the middleman profiteer. How are YOUR insurance dollars spent:

1. High dollar CEO pay packages
2. Golden parachutes
3. shareholders
4. campaign contributions
5. this industry has 6 lobbyists per elected official = expensive mouth pieces
Bill Moyers Journal: Bill Moyers & Michael Winship: In Washington, Revolving Doors are Bad for Your Health
6. maybe a corp jet = high dollar maintenace
7. misinformation campaigns @ $1.4 million a day (Former Lawmakers and Congressional Staffers Hired to Lobby on Health Care

Let’s say millions cancel their insurance and begin paying out of pocket. Consumers would save tons of money. Cancel your medical insurance today. The industry is simply corrupt.

Healthy humans seldom spend what they pay out to the insurance industry! If millions dropped their policies not only would they save thousands of dollars annually the insurance industry would faint in disbelief that this many people actually are awake and give a damn.

Paying out of pocket will save thousands of dollars a year. Do medical insurance companies provide health care? NO! Invest smart instead of supporting high rollin executives and shareholders.

Set up a health care investment account or annuity in a credit union or with Consumer Reports. An account that makes YOU money instead of wealthy CEO's. Your health care annuity will NOT cancel out on when the poop hits fan.

AGAIN Healthy humans seldom spend what they pay out to the insurance industry!

Why support high rollin executives and shareholders because of your misfortune aka becoming ill or needing surgery?

Most consumers are under-insured = candidate for bankruptcy. Most coverage WILL NOT stick with consumers when the going gets tough = fraud.
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Old 01-16-2012, 04:51 PM
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Still waiting for you to answer my questions regarding your public option thing.
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Old 01-16-2012, 04:53 PM
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People that work for insurance companies don't need a job...
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Old 01-17-2012, 06:43 AM
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I have always paid for my medical out of pocket. Then I got a medical credit card. You would be surprised at what you pay when it's cash.
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Old 01-17-2012, 05:35 PM
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Quote: Originally Posted by California Girl View Post
Still waiting for you to answer my questions regarding your public option thing.
I do not have a public option thing. Please explain.... thank you.
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Old 01-17-2012, 05:38 PM
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Quote: Originally Posted by Katzndogz View Post
I have always paid for my medical out of pocket. Then I got a medical credit card. You would be surprised at what you pay when it's cash.
Absolutely.

Investing in conventional medical insurance is kind of a scam. People spend so much money likely more than one would ever spend in one year.

Paying out of pocket allows for wayyyyy more choices across the board.
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Old 01-17-2012, 05:43 PM
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Quote: Originally Posted by hortysir View Post
People that work for insurance companies don't need a job...
The insurance industry is quite large and broad with so many ways of making money and keeping people employed. Think about how many types of insurance and investment opportunities the industry offers. It is mind blowing.

Then they have substantial interests in real estate. Think about how many tall buildings this industry owns.

If the industry goes down it will be by there own making.
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Old 01-17-2012, 05:47 PM
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Quote: Originally Posted by merrill View Post
Quote: Originally Posted by Katzndogz View Post
I have always paid for my medical out of pocket. Then I got a medical credit card. You would be surprised at what you pay when it's cash.
Absolutely.

Investing in conventional medical insurance is kind of a scam. People spend so much money likely more than one would ever spend in one year.

Paying out of pocket allows for wayyyyy more choices across the board.
On average you are absolutely correct; most people will pay more for medical insurance than they get back in care. That's how the insurance company stays in business. And saving for your own care after you have cancelled your medical insurance policy will save you a bundle, right up to the day your doctor tells you that you need a million-dollar operation to save your life, and you have only saved enough to pay for the aspirin they were going to give you after the surgery. Good financial planning strategy! You should cancel your life insurance, too; you probably won't die and leave your family destitute.
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Old 01-17-2012, 05:57 PM
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Quote: Originally Posted by BillyV View Post
Quote: Originally Posted by merrill View Post
Quote: Originally Posted by Katzndogz View Post
I have always paid for my medical out of pocket. Then I got a medical credit card. You would be surprised at what you pay when it's cash.
Absolutely.

Investing in conventional medical insurance is kind of a scam. People spend so much money likely more than one would ever spend in one year.

Paying out of pocket allows for wayyyyy more choices across the board.
On average you are absolutely correct; most people will pay more for medical insurance than they get back in care. That's how the insurance company stays in business. And saving for your own care after you have cancelled your medical insurance policy will save you a bundle, right up to the day your doctor tells you that you need a million-dollar operation to save your life, and you have only saved enough to pay for the aspirin they were going to give you after the surgery. Good financial planning strategy! You should cancel your life insurance, too; you probably won't die and leave your family destitute.
What's up if a person is under insured and the insurance industry refuses to pay for this
million dollar operation?

You do understand that not all policies provide for serious health problems.
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Old 01-17-2012, 05:59 PM
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The medical insurance industry favors a certain breed of client. The young and healthy who will not demand much from the industry.
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Old 01-17-2012, 06:09 PM
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Quote: Originally Posted by merrill View Post
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Quote: Originally Posted by merrill View Post

Absolutely.

Investing in conventional medical insurance is kind of a scam. People spend so much money likely more than one would ever spend in one year.

Paying out of pocket allows for wayyyyy more choices across the board.
On average you are absolutely correct; most people will pay more for medical insurance than they get back in care. That's how the insurance company stays in business. And saving for your own care after you have cancelled your medical insurance policy will save you a bundle, right up to the day your doctor tells you that you need a million-dollar operation to save your life, and you have only saved enough to pay for the aspirin they were going to give you after the surgery. Good financial planning strategy! You should cancel your life insurance, too; you probably won't die and leave your family destitute.
What's up if a person is under insured and the insurance industry refuses to pay for this
million dollar operation?

You do understand that not all policies provide for serious health problems.
I understand that you pay an insurance company to transfer the risk of unforeseen medical costs to them. The premium you pay is based upon what risks you want them to assume. If you have selected a policy that doesn't cover "serious health problems", then your premium will reflect that and you assume those risks. If you had said that you favor high deductible plans that only cover significant costs and were going to save the difference to cover more routine treatments, I would have said that was a reasonable approach. Not having health insurance at all, if you can afford it, means one of two things: a.) You are willing to accept that, if you have an expensive illness, you are just going to live (or die) with it, or b.) You're expecting the rest of us to pay for it when it happens. Option a.) is your choice, and I'll respect that; option b.) makes you a parasite.
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Old 01-17-2012, 06:24 PM
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So people should be left to die simply because they cannot afford a policy that covers everything no matter what?

A policy such as that can be quite expensive at say $15,000 - $20,000 a year.

“In front of me I have a document from my employer that shows their cost for insurance.

Medical, Dental and Vision for the year 2010 my employer will pay $15,450. I will pay another $2860 out of my pay check. $18,310 a year for insurance is ludicrous, and we wonder why so many companies are having massive layoffs. It is a real travesty that nothing is going to happen in the near future on health care.”
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Old 01-17-2012, 06:54 PM
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Quote: Originally Posted by merrill View Post
So people should be left to die simply because they cannot afford a policy that covers everything no matter what?

A policy such as that can be quite expensive at say $15,000 - $20,000 a year.

“In front of me I have a document from my employer that shows their cost for insurance.

Medical, Dental and Vision for the year 2010 my employer will pay $15,450. I will pay another $2860 out of my pay check. $18,310 a year for insurance is ludicrous, and we wonder why so many companies are having massive layoffs. It is a real travesty that nothing is going to happen in the near future on health care.”
I don't think I said that anywhere. What I said was not having health insurance, if you can afford it, generally means you expect someone else to pay for it. I agree that medical costs are out of control; what I'm not sure about is how much the insurance companies have to do with it. Why don't the medical providers share some of the blame for high costs of coverage? Why don't the people who don't carry insurance because they'd rather take their chances and then expect the rest of us to cover them share some of the blame? Why don't the illegal immigrants who flood the emergency rooms that we premium payers then have to cover share some of the blame? Where is the evidence that the entire problem with medical costs is the insurance companies?
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Old 01-18-2012, 06:17 AM
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Thursday, June 25, 2009

Health insurers have forced consumers to pay billions of dollars in medical bills that the insurers themselves should have paid, according to a report released yesterday by the staff of the Senate Commerce Committee.

Insurers make paperwork confusing because "they realize that people will just simply give up and not pursue it" if they think they have been shortchanged, Potter said.

More on this story:
Senate Panel Hears of ‘Raw Deal' Consumers Get From Health Insurers

================================================== ==
In 2009 CIGNA CEO walked away with a golden parachute = $73,000,000

The insurance industry usually pays out to the healthcare industry about 40% per invoice.

Why should the insurance industry be involved at all? Why the middleman that which provides zero health care? A system in which 30% of their cost is administration.

50% of bankruptcies are related to medical expenses by working and insured folks = what happened to the coverage?
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Old 01-18-2012, 06:57 AM
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Quote: Originally Posted by merrill View Post
Thursday, June 25, 2009

Health insurers have forced consumers to pay billions of dollars in medical bills that the insurers themselves should have paid, according to a report released yesterday by the staff of the Senate Commerce Committee.

Insurers make paperwork confusing because "they realize that people will just simply give up and not pursue it" if they think they have been shortchanged, Potter said.

More on this story:
Senate Panel Hears of ‘Raw Deal' Consumers Get From Health Insurers

================================================== ==
In 2009 CIGNA CEO walked away with a golden parachute = $73,000,000

The insurance industry usually pays out to the healthcare industry about 40% per invoice.

Why should the insurance industry be involved at all? Why the middleman that which provides zero health care? A system in which 30% of their cost is administration.

50% of bankruptcies are related to medical expenses by working and insured folks = what happened to the coverage?
Three hand picked cronies were cherry picked to testify.

AND.......................
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