$42 a month

[Dr Gregg]

I work in academia and the health benefits are great. I think I pay like $24 a month.

Not so good for the grad students, though...you only get medical interns and dental students.

NOt really, when I was in grad school the benefits were really good, at least at the uniiversity I went to. Actually better than I have now, and didn't have to pay anything into it. But I chose a lower plan to not have to pay as much. But I think it differs between universities.

 

[eagleseven]

I work in academia and the health benefits are great. I think I pay like $24 a month.

Not so good for the grad students, though...you only get medical interns and dental students.

NOt really, when I was in grad school the benefits were really good, at least at the uniiversity I went to. Actually better than I have now, and didn't have to pay anything into it. But I chose a lower plan to not have to pay as much. But I think it differs between universities.

Yeah...I have no co-pays, but then again I get stabbed by the novacaine needle 20 times at the dentist.

 

[Dr Gregg]

Not so good for the grad students, though...you only get medical interns and dental students.

NOt really, when I was in grad school the benefits were really good, at least at the uniiversity I went to. Actually better than I have now, and didn't have to pay anything into it. But I chose a lower plan to not have to pay as much. But I think it differs between universities.

Yeah...I have no co-pays, but then again I get stabbed by the novacaine needle 20 times at the dentist.

I got nothing in grad school in regards to dental, which killed me cause I have bad teeth genetics and needed a lot of work. Helped with my debt but can't not get an aching tooth fixed. Actually the benefits I have now for dental is pretty good considering dental coverages are usually pretty bad

 

[Gunny]

I read elsewhere here that it would cost $42 a month for a single person to get health insurance.

That is less than a quarter of what I pay for a family of four with no dental, eye, or prescription coverage.

And I'm expected to be sympathetic.

Well, guess what? I'm not.

So? I could care less whether you are sympathetic, and could care less what you pay for insurance.

I'm expected to be sympathetic to what you pay for healthcare?

Guess what? I'm not.

You also forgot to factor into the cost the amount taxes will be jacked. You lefties will believe anything.

 

[American Horse]

I read elsewhere here that it would cost $42 a month for a single person to get health insurance.

That is less than a quarter of what I pay for a family of four with no dental, eye, or prescription coverage.

And I'm expected to be sympathetic.

Well, guess what? I'm not.

I just picked a state which I thought would be populated by independent people, and which therefore would be self reliant and not be inclined to pile a lot of mandates and interference in the form of regulations on a health insurance carrier. That state is Texas, and I picked a rural zip code because of the same assumed criteria I just mentioned. It is a fact that rural populations have fewer incidences of requiring healthcare, perhaps due to their physical safety or being out of range of hazardous and toxic materials.

I searched THIS WEBSITE FOR RATES and for a 20 year old (b. 03/03/1990), non smoking, single applicant, $5,000 deductdible, 20% co-insurance, no office visits. He could insure with Blue Cross Blue Shield of Texas for a $33.00 monthly premium.

For a young man not concerned with office visits, but concerned with catastrophic health expenses this would be the ticket. This policy will be no longer available after ObamaCare is in in effrect for a couple of years.

 

[Ravi]

I read elsewhere here that it would cost $42 a month for a single person to get health insurance.

That is less than a quarter of what I pay for a family of four with no dental, eye, or prescription coverage.

And I'm expected to be sympathetic.

Well, guess what? I'm not.

So? I could care less whether you are sympathetic, and could care less what you pay for insurance.

I'm expected to be sympathetic to what you pay for healthcare?

Guess what? I'm not.

You also forgot to factor into the cost the amount taxes will be jacked. You lefties will believe anything.

Thanks for sharing how much you don't care.

 

[JakeStarkey]

The reactionaries are whining and pining. Tuff fricking luck to them.

 

[Toronado3800]

Message

Hospital Services Coverage

* Emergency Room
* Illness: 30% Coinsurance after deductible, additional $100 Copay per visit if not admitted; Injury: 30% Coinsurance after deductible
* Outpatient Lab/X-Ray
* 30% Coinsurance after deductible
* Outpatient Surgery
* 30% Coinsurance after deductible
* Hospitalization
* 30% Coinsurance after deductible

Maternity Coverage

* Pre & Postnatal Office Visit
* Optional Benefit
* Labor & Delivery Hospital Stay
* Optional Benefit

Additional Coverage

* Chiropractic Coverage
* 30% Coinsurance after deductible (limited to $2,000 of covered expenses per calendar year)
* Mental Health Coverage
* 30% Coinsurance after deductible ($50 Max. Benefit Per Visit. $3,000 Max. Benefit for lifetime)

Its not much for insurance, but its there. Does 30% after deductible mean a $12,000 gall bladder removal will cost the insured $7,100.

 

[American Horse]

Message

Hospital Services Coverage

* Emergency Room
* Illness: 30% Coinsurance after deductible, additional $100 Copay per visit if not admitted; Injury: 30% Coinsurance after deductible
* Outpatient Lab/X-Ray
* 30% Coinsurance after deductible
* Outpatient Surgery
* 30% Coinsurance after deductible
* Hospitalization
* 30% Coinsurance after deductible

Maternity Coverage

* Pre & Postnatal Office Visit
* Optional Benefit
* Labor & Delivery Hospital Stay
* Optional Benefit

Additional Coverage

* Chiropractic Coverage
* 30% Coinsurance after deductible (limited to $2,000 of covered expenses per calendar year)
* Mental Health Coverage
* 30% Coinsurance after deductible ($50 Max. Benefit Per Visit. $3,000 Max. Benefit for lifetime)

Its not much for insurance, but its there. Does 30% after deductible mean a $12,000 gall bladder removal will cost the insured $7,100.

T, I just went back an looked at that policy. It was a $5,000 deductible policy with 20% co-pays, no pharma; for an emergency room addmittance a $200 co-pay with the deductible waved if admitted - 20% of Allowable amount after $200 Copayment amount and Calendar Year Deductible(waived if admitted). In the case of your Gall Bladder question it seems that there would be the $5,000 deductible, and 20% of the balance of $7,000 would be $1,400 for a total of $6,400 paid by the insured and $5,600 paid by the insurer.

The same company offers a policy with a premium of $81 a month, 2,500 deductible, max annual out of pocket of $3,000, all 10% co-pays with the deductible of 2,500 included in the $3,000.

With that policy the cost to the patient of the $12,000 for the gall bladder operation would be $2,500 + 10% of $9,500 , but there is a maximum of $3,000 annual out of pocket so of the $950 the insured would pay $500. thus reaching the $3,000 max. The insured would pay $576 more in the course of the year for the better policy. (this policy allows no maternity benefits) All generic drugs get a $10 co-pay ($50 for brands) and no Primary Care Physician, with no referrals to specialists required.

Details in attachments below:

 

[wshaw14]

I would truly like to know where you get coverage for 200.00 per month in the private market that covers anything. Is it subsidized by your employer? If so it is not costing you only 200.00. Think about it .

 

[wshaw14]

Good post. I have been and voted Conservative all of my life, but when it comes to Health care, I have lived with both Gov. and private. I greatly prefer the Gov. In our system ( we dont really have a system) the Doctors and Hospitals (monopolies) control the charges and costs. Monopolies are supposed to be illegal in this country. Regardless of what we are told we do not have the "BEST" health care system in the world, only the most Expensive.
We keep hearing that Canada s' system is so horrible. People have to wait. I lived with the Canadian system and yes, for elective surgery you do have to wait. Who cares. In our system you also wait, (2-3 hours when you have an appointment). The biggest problem with the Canadian system is the fact that doctors train there on the Gov tit and then come to the USA where they can price gouge. Canada has the #4 health care system in the world out of the 37 industrialized nations. We are #37. The worst. I have heard a lot of excuses,
these can all be shot down with one shell.

 

[American Horse]

I would truly like to know where you get coverage for 200.00 per month in the private market that covers anything. Is it subsidized by your employer? If so it is not costing you only 200.00. Think about it .

I just posted a plan for $81 for a twenty year old in Texas; an excellent private (individual) plan. I recently got a price for my 40 year old son for $150 for a $2,000 deductible similar to the one I attached to my post just before yours. The state you live in makes a whole lot of difference about the rates, which is indicative of what happens when states over regulate and over mandate. Indiana has 23 major insurers and is very common sense about mandates and regulations; Maine has 1-company worthy of the name, exorbitant rates, and has regulated similar to ObamaCare.

 

[Toronado3800]

Now that I'm seriously shopping for health insurance on the site I found this gem

Estimated Cost

The amount quoted is an estimated cost of the health plan, which is<B> subject to change based on your medical history, the underwriting practices of the health plan,</B> the optional benefits you selected, if any, and other relevant factors. It may be the sum of estimated premiums and other recurring charges, if the insurance company has such charges.

Insurance companies reserve the right to change the terms of a policy upon proper notification. Please note that definitions of certain terms may vary across insurance companies.

Maybe that is why I'm paying a bit more for similar sounding plans through Alliance.

Oh, and really, mine is $200 per month 100% out of my pocket.

Seriously, thanks for the link. Its more than I've compared insurance in a few months.

 

[wshaw14]

Idiots dont seem to understand, IT WILL COST YOU ANYWAY, why not take the most inexpensive way out. Give health care coverage and avoid the emergency room and hospital expensive. Even if you hate the poor this should make sense.

 

[editec]

My rate was $77 a month for 47 year male but I started paying $10 more for a 3 year guaranteed rate lock so I will not get hit with Obama increase so I pay $87 a month.

I'd have to see that policy and billing to believe you.

 

[editec]

I read elsewhere here that it would cost $42 a month for a single person to get health insurance.

That is less than a quarter of what I pay for a family of four with no dental, eye, or prescription coverage.

And I'm expected to be sympathetic.

Well, guess what? I'm not.

I work in academia and the health benefits are great. I think I pay like $24 a month.

And your employer probably pays the other $1000+ a month.

 

[JakeStarkey]

The next two steps are obvious: one, fix the system so that competition becomes inherent in the process; two, a two-tier system for private and public tracks. These two fixes will drive down costs without causing a scarcity and availability of services.

The real issue for the reactionaries of the far right is not about principle; they are simply infuriated the American public rejected them and their allies. They will get 'booster shots' in 2010 and 2012. Either they change the way they think about their political entitlements, or they will remain in the wilderness for a very long time.

 

[American Horse]

Now that I'm seriously shopping for health insurance on the site I found this gem

Estimated Cost

The amount quoted is an estimated cost of the health plan, which is<B> subject to change based on your medical history, the underwriting practices of the health plan,</B> the optional benefits you selected, if any, and other relevant factors. It may be the sum of estimated premiums and other recurring charges, if the insurance company has such charges.

Insurance companies reserve the right to change the terms of a policy upon proper notification. Please note that definitions of certain terms may vary across insurance companies.

Maybe that is why I'm paying a bit more for similar sounding plans through Alliance.

Oh, and really, mine is $200 per month 100% out of my pocket.

Seriously, thanks for the link. Its more than I've compared insurance in a few months.

I've been individually insured since 1972, before that an employment policy. I've changed policies several times to say the least. I've never had much in the way of changes in policies except for "mandates" being added or modified, and of course annual premium increases. They always have a glossary of terms and definitions to remove any ambiguity in the contract (and it is a contract), and I've always read them until I understood them. I say always, but I probably didn't as much with my employer provided policies between 1964 and 72) being more passive when I wasn't doing the shopping. I do more "due-dilligence" with insurance than I do in the purchase of an automobile.

I've found the best way to go is to buy through a larger commercial agent who is fully informed and can explain several policies side by side. Internet purchases may be just fine, but I've never gone that way. If you don't have a large commercial agent because you are rural, one might want to call or go to a regional market city where lots of commercial activity is going on. I've had policy premiums come in lower than listed estimates, so they aren't necessarily always higher.

 

[jreeves]

The devil is in the details, your quality of healthcare will plummet

I think people with money will have the same coverage they always had. People in the middle will have coverage they didn't have before.

There seems to be an intentional effort to equate health coverage with 'government provided healthcare'. I think that totally distorts the reality. And I think that is an intentional distortion by insurance companies.

I think the insurance companies are licking their chops right now....

30 Million New Customers....$$$$$$$

 

[Toronado3800]

Any temporary benefit will likely be wiped out by our constantly rising cost of medical treatment.

Just going to mean more pay-outs.