Health insurance companies are a big problem in this country. My friend just had to shell out $130 out of pocket for his mom’s medicine.

[BluesLegend]

It is way overdue to tax the rich again after 40 years and invest in America again. What we have now is the worst inequality upward Mobility poverty and homelessness ever and anywhere in the modern world by far. Great job GOP! And silly dupes.....

How Russian of you, feel free to relocate to Russia. There's no such equality mandate in the U.S. Constitution.

 

[dblack]

If the problem is the insurance companies, why do you all keep buying insurance???

 

[francoHFW]

How Russian of you, feel free to relocate to Russia. There's no such equality mandate in the U.S. Constitution.

You are so stupid and brainwashed when I say we have the worst inequality ever in our history by far, that's communism to you you're crazy. That comes with the worst upward Mobility poverty and homelessness. What is wrong with you? Your admiration and blind love for greedy Mega Rich scumbag Liars is noted.

I agree for the most part. I agree that there is greed in the pharmaceutical and insurance industry. Now my other point is probably in the same topic but a different part of it. Check this out.

It is true that we spend trillions of dollars on foreign wars, Ukraine, Israel, BLM, critical race theory, E.S.G. garbage. That’s my opinion on the matter in the sense of calling that stuff garbage. Especially BLM when we have hundreds of thousands of poor homeless white people. And even I have lived in poverty as a white man it boils my blood when I see some rich white or black BLM supporter talk about supporting BLM. It is truly an outrage brother.

So what I’m saying is if we spend that trillions of dollars on healthcare we could solve our problems overnight. Imagine no 2003 invasion of Iraq, no billions of dollars given to Israel. We’ve given them something like $300 billion over the past 50 years. And this hundred billion to Ukraine again imagine all that money spent on healthcare. You could even forget about BLM or critical race theory again I don’t agree with BLM or critical race theory, but forget about it for now and imagine the trillions of dollars we have indeed spent on the invasion of Iraq in 2003 along with the hundreds of billions of dollars given to Ukraine in Israel. You know I’ve got a point there.

Again, let’s even forget about BLM, critical race theory, and E.S.G. and concentrate on the 2003 invasion of Iraq, the hundreds of billions of dollars given to Ukraine and Israel, and if that money was spent on healthcare for Americans.

BLM doesn't cost the government money and critical race Theory which is actually teaching tolerance for others doesn't cost any money either. What we need to do is tax the rich again and invest in cheap education and college and training and infrastructure so we don't become a GOP Banana Republic. Including Health Care and mental health care for crying out loud like every other modern country.

 

[francoHFW]

If the problem is the insurance companies, why do you all keep buying insurance???

Because as bad as this is, Medical Care without insurance is absolutely ridiculous. At these prices here it is impossible

 

[dblack]

Because as bad as this is, Medical Care without insurance is absolutely ridiculous. At these prices here it is impossible

And why is that?

 

[dblack]

And why is that?

(hint - it's because we're over insured)

 

[BluesLegend]

You are so stupid and brainwashed when I say we have the worst inequality ever in our history by far, that's communism to you you're crazy. That comes with the worst upward Mobility poverty and homelessness. What is wrong with you? Your admiration and blind love for greedy Mega Rich scumbag Liars is noted.

BLM doesn't cost the government money and critical race Theory which is actually teaching tolerance for others doesn't cost any money either. What we need to do is tax the rich again and invest in cheap education and college and training and infrastructure so we don't become a GOP Banana Republic. Including Health Care and mental health care for crying out loud like every other modern country.

You are not entitled to other people's money they earned. It's also not their responsibility to pay YOUR bills. If you want everyone to have an equal share then muster the votes to amend the U.S. Constitution, good luck with that.

 

[initforme]

As I've said, the greatest nation on earth with the greatest wealth can't figure out how to take care of its citizens Healthcare. But they sure want you to work hard. Greatness meter takes a hit on healthcare.

 

[dblack]

As I've said, the greatest nation on earth with the greatest wealth can't figure out how to take care of its citizens Healthcare. But they sure want you to work hard. Greatness meter takes a hit on healthcare.

One of the reasons it's the greatest nation on earth is that it's people can take care of themselves without big daddy government taking care of them. Government isn't there to provide us with health care. Or feed us. Or wipe our asses after we shit ourselves. Grow up.

 

[initforme]

One of the reasons it's the greatest nation on earth is that it's people can take care of themselves without big daddy government taking care of them. Government isn't there to provide us with health care. Or feed us. Or wipe our asses after we shit ourselves. Grow up.

People do take care of themselves. We currently have the greatest workforce the world has ever seen. One should not have to go into bankruptcy because of illness. This nation had better get its Healthcare act together.

 

[Hang on Sloopy]

I have no teacher health plan. I retired as a teacher in 2018. I am on my wife's employer's plan with Anthem BC/BS. I pay over $700 a month for coverage, but in January the VA is taking over my health care.

BTW, every student I passed was competent and my student's test results showed it, thank you very much.

i'm sorry bro......it is just this thread is irritating because i've been in the industry since reagan

thanks for your service and i will slap myself................................there, just did it

 

[Missouri_Mike]

Are you fully funding an HSA with pretax dollars? If not, then you are the problem, not the government.

The problem is it costs 6k more now you fucking retard. Guess how much more it costs in pretax HSA dollars? Let’s do some quick math… oh, 6000 fucking pretax dollars more! Fucking moron.

 

[Winston]

The problem is it costs 6k more now you fucking retard. Guess how much more it costs in pretax HSA dollars? Let’s do some quick math… oh, 6000 fucking pretax dollars more! Fucking moron.

FIrst off, it doesn't "cost" six thousand dollars more. The deductible is not a "cost". It only comes into play if you have medical expenses outside the no-cost prevention procedures. Have a physical, get your vaccines, and keep up with routine preventive procedures and you pay little or nothing of that six grand you continue to call a "cost".

Second, the minimum deductible that qualifies a plan to have an HSA rises every year. In 2024 it jumps to $1600 for employee only coverage and $3200 for family coverage.

Third, if you are hitting the deductible every year you are in the wrong plan. Pay more for a comprehensive plan with a low deductible. The entire purpose of a high deductible plan is to transfer the risk of those first dollar expenses to the policyholder, not the insurance company. If you know you are going to hit the deductible let the insurance company cover that risk. Sure, the premium will be higher, but it won't be dollar for dollar higher.

HSA's are pretty sweet, but only about one in three people utilize them, and few of those maximize the contributions. I calculate the maximum contribution and have that amount drafted into the HSA every week. Ironically, last night I logged into my health insurance, pulled up all the claims, and then clicked the "pay now" button for any outstanding balances. Then I took my HSA "credit card" and paid them all off. I still have funds remaining, and if I have funds remaining at the end of the year they will rollover to next year. Reality is, I haven't had any out-of-pocket medical expenses in years, and yes, there have been some medical issues for both myself and my spouse. When I retire, any balances left in my HSA can be converted to an IRA.

 

[Missouri_Mike]

FIrst off, it doesn't "cost" six thousand dollars more. The deductible is not a "cost". It only comes into play if you have medical expenses outside the no-cost prevention procedures. Have a physical, get your vaccines, and keep up with routine preventive procedures and you pay little or nothing of that six grand you continue to call a "cost".

Second, the minimum deductible that qualifies a plan to have an HSA rises every year. In 2024 it jumps to $1600 for employee only coverage and $3200 for family coverage.

Third, if you are hitting the deductible every year you are in the wrong plan. Pay more for a comprehensive plan with a low deductible. The entire purpose of a high deductible plan is to transfer the risk of those first dollar expenses to the policyholder, not the insurance company. If you know you are going to hit the deductible let the insurance company cover that risk. Sure, the premium will be higher, but it won't be dollar for dollar higher.

HSA's are pretty sweet, but only about one in three people utilize them, and few of those maximize the contributions. I calculate the maximum contribution and have that amount drafted into the HSA every week. Ironically, last night I logged into my health insurance, pulled up all the claims, and then clicked the "pay now" button for any outstanding balances. Then I took my HSA "credit card" and paid them all off. I still have funds remaining, and if I have funds remaining at the end of the year they will rollover to next year. Reality is, I haven't had any out-of-pocket medical expenses in years, and yes, there have been some medical issues for both myself and my spouse. When I retire, any balances left in my HSA can be converted to an IRA.

You self righteous cock sucker. Coming on here talking stupid shit as if you actually don’t have your head up your ass. Every mother fucking January we have to make sure we have 8 grand in the bank for my wife’s deductibles and it’s spent before the end of the month. Go fuck yourself and take your government cheerleading ass to hell.

I hope you have a medical emergency this year that lasts the rest of your life.

 

[kaz]

That is kind of funny. I was thinking you were the one that needed to go. For instance, you make the claim that you have not asked the government to pay for any of your healthcare. Are you not on Medicare? I highly doubt that with five strokes and AFib you are not on Medicare. Do you know how Medicare works? Perhaps you have a Medicare Advantage plan, but the Mayo Clinic, even that seems a remote possibility.

Nope, you should go to Cuba. Want to know why Cuba spends $600 per person and the US spends $8600 per person. How many ablation procedures have you had done? How is that working out for you? If you were in Cuba you would not have had any, and your AFib would have been cured.

In the United States health care is all about the Benjamins. My father had AFib, and after two ablation procedures he still had it. He desperately needed brain surgery for another condition that is a separate story. But that wasn't going to happen as long as he was suffering from AFib.

It was in the fall, and at that time I had hundred year old wild muscadine vines as thick as ropes on a hundred foot yacht. They reached the top of towering oaks in the virgin forest that was my backyard. I gathered them up by the buckets full. I pulled out the flesh and dried the hulls in the sun, Dad ate a big bowl full every night. In two weeks, AFib gone, he had the surgery. That is what they would have done in Cuba, it is called resveratrol, and in wild, red, muscadine hulls the level is over 100 times the amount found in red wine. Problem is, no one makes any money curing AFib with muscadines gathered in the wild.

Winston: No, kaz, I'm a communist and I'm a fucking moron who thinks Cuba has better healthcare than we do, so you are the one who needs to go to Cuba

Democrats are just the dumbest people. All roads lead to stupid

And that I say that's crap tells you ... I ... should go to Cuba? You're a stupid idiot. What a douche bag, you make no sense, moron, zero at all.

Write when you get work in Cuba. I'd say go to hell, but you apparently have that covered

 

[kaz]

With the amount of money we give to Israel and Ukraine, with the trillions of dollars we have spent on unnecessary foreign wars, the billions or trillions of dollars on our military industrial complex, along with the trillions of dollars Republicans, and Democrats spent on lockdowns you see that’s the big problem. Use that money toward healthcare. Use the money toward a college education for Americans for free like other Christian western countries have.

I’ve said that many times already, and in response a few people here are engaging in trolling and not responding to these points. They go off on a tangent about Biden, socialism or liberalism or something like that.


No, don’t worry OK, I think that so many Democrat politicians are brainwashing people with BLM and CRT propaganda that these traditional democrat issues like national healthcare, free college, education, ending homelessness have largely been forgotten about.

It has nothing to do with Israel. The way you sustain amazing medical research that we have experienced is to have a financially sustainable system. The "rich" and insured pay for new drugs, the price drops and it's affordable to everyone eventually.

The Democrat plan is to give the most expensive research for free to illegal aliens and bankrupt us so no one gets it.

Stupid at that level continually comes from the mind of Democrats

 

[Deadstick]

Sell your computer, cancel your internet and send the money to government. Lead by example...no? Yeah we thought so.

What are you on about?

 

[Deadstick]

With the amount of money we give to Israel and Ukraine, with the trillions of dollars we have spent on unnecessary foreign wars, the billions or trillions of dollars on our military industrial complex, along with the trillions of dollars Republicans, and Democrats spent on lockdowns you see that’s the big problem. Use that money toward healthcare. Use the money toward a college education for Americans for free like other Christian western countries have.

I’ve said that many times already, and in response a few people here are engaging in trolling and not responding to these points. They go off on a tangent about Biden, socialism or liberalism or something like that.


No, don’t worry OK, I think that so many Democrat politicians are brainwashing people with BLM and CRT propaganda that these traditional democrat issues like national healthcare, free college, education, ending homelessness have largely been forgotten about.

They go off on a tangent because they don't have an answer, way i look at it the measure of a civilised society is how they treat their old and young, quite a few have shown they really are not civilised.

Um .... what? What does that have to do with anything I ever said, MAGA boy. Discussions with you are all going to be stupid, aren't they?

It isn't rocket science, stop waging wars all over the place and feeding the industrial military complex, spend the money on your own people and look after those who need help.

 

[BackAgain]

Just as it’s been posted before John Kramer had it right. The problem is not the government or the people it’s the goddamn health insurance companies.





One cannot be a morally upright Christian, and say it’s totally fine for insurance companies and the pharmacy industry to demand extremely high payments for medicine. It is literally pricing people out of healthcare. That’s unbelievable in the country like America. It’s a straightforward issue. It’s either somebody is on the right side of morality or they’re
not.

Drug Companies Continue To Hike Prices Above Inflation

New analysis makes clear that the Inflation Reduction Act’s inflation rebates should extend to the commercial market.

www.americanprogress.org

New York health insurance rates to jump double-digit percentage in 2024

NY health insurers sought 21% rate hikes next year. Regulators approved 12.4%. What to know about rising costs for health insurance and medical care.

www.lohud.com

I can’t imagine what it’s like to wake up every day, working for these pharmaceutical or health insurance companies, and jacking up the prices of medicine. These are the most evil people in the world. They’re worse than people who engage in a strong armed robberies of 7-Elevens.

Our anti Semite pal, fwankie, is now bloviating on economic and social matters far beyond his grasp.

 

[Winston]

You self righteous cock sucker. Coming on here talking stupid shit as if you actually don’t have your head up your ass. Every mother fucking January we have to make sure we have 8 grand in the bank for my wife’s deductibles and it’s spent before the end of the month. Go fuck yourself and take your government cheerleading ass to hell.

I hope you have a medical emergency this year that lasts the rest of your life.

So, you know you are going to have the entire deductible amount, eight grand, covered in the first month of the year, every year. Maybe your employer only offers one plan, so maybe you can't get a comprehensive plan. But you leave the impression that you are on a plan provided through the ACA, admitting to a subsidy. Get on a comprehensive plan. But, if you are on an employer provided plan, you have no excuse of not fully funding an HSA. The maximum amount for a couple in 2024 is $8,300.

You said you had to make sure you had the money in the bank every January. How damn hard is it to contact your insurance company and make that account an HSA? Hell, even if you are in the 12% tax bracket paying that deductible with pretax dollars verses after tax dollars saves you a thousand bucks a year.

I mean here is a thought, instead of bitching and crying, and thinking you know everything, I would seriously recommend you talk to a professional. I mean per your own numbers you are spending, at a minimum, almost $1500 a month in health insurance premiums and deductibles. Hell, we haven't even calculated prescription drug expenses and copays. Bitch all you want, if it were me, I would do something about it.