Insurance Company vs Public Option

[grannysoo]

This is not a political post, just a comment.

Hello Blue Cross / Blue Shield.

You're whining and complaining, just as all of the other insurance companies are, about the public option, government controls, and being put out of business.

I just wanted to let you know that I received my birthday present over the weekend for the wife and I, and really appreciate the 19% INCREASE in my insurance premiums that kick on our birthdays.

A 19% increase. And you wonder why the public is screaming about health care.......

We are both in our mid/late 40's, and our new monthly health insurance premium is now:

$1118.20

Paid for out of our pocket with no government assistance.

[1982vett]

This is not a political post, just a comment.

Hello Blue Cross / Blue Shield.

You're whining and complaining, just as all of the other insurance companies are, about the public option, government controls, and being put out of business.

I just wanted to let you know that I received my birthday present over the weekend for the wife and I, and really appreciate the 19% INCREASE in my insurance premiums that kick on our birthdays.

A 19% increase. And you wonder why the public is screaming about health care.......

We are both in our mid/late 40's, and our new monthly health insurance premium is now:

$1118.20

Paid for out of our pocket with no government assistance.

Hey, that doesn't sound that bad. Just wait till you cross 50 and see what happens. Then comes 55 and 60.

[Frankie]

Ouch.

[HOSS]

This is not a political post, just a comment.

Hello Blue Cross / Blue Shield.

You're whining and complaining, just as all of the other insurance companies are, about the public option, government controls, and being put out of business.

I just wanted to let you know that I received my birthday present over the weekend for the wife and I, and really appreciate the 19% INCREASE in my insurance premiums that kick on our birthdays.

A 19% increase. And you wonder why the public is screaming about health care.......

We are both in our mid/late 40's, and our new monthly health insurance premium is now:

$1118.20


Paid for out of our pocket with no government assistance.

The problem is that with a public option I will be paying for part of your healthcare right out of my check and you will be paying for mine out of your check.....nobody gets ahead in that game....it is never free and anything run by government has always cost more than private business. It is just "hidden" so that it is not always obvious. The way I see it is that we treat health insurance unlike any other insurance. If our car has a water pump go out we don't call All-State and want coverage under our car insurance plan but if we have a cold we go to the doctor and expect to use insurance to pick up the tab minus our co-pay. If you have an accident and your car is severely damaged then the All-State policy kicks in......healthcare insurance should be treated the same way.

[HerefordSire]

Good post grannysoo!

If you don't mind, how much was paid on your behalf last year by insurance companies? Did you have to pay deductibles last year? If so, how much did you pay out last year before the 19% increase and after deductibles?

[Txwalt]

I try not to blame the companies. Its seems most of them are publicly held so its not some evil Mr. Burns out trying to get everyone. The question should be "will the public option drive costs down without hurting our current level of care?". All to often we only care about our situation and screw everyone else. The politicians know that and play on it.

Walt

[TexasBred]

Cancel it...in 3 years Uncle Sam will insure you (if you start paying now)

[grannysoo]

Cancel it...in 3 years Uncle Sam will insure you (if you start paying now)

Uncle Same would pay for all of my health care now if I would quit working and trying to make a good life for my family. It's called "indigent care".

There are many in my area that are on it, and it works rather well....

[grannysoo]

If you don't mind, how much was paid on your behalf last year by insurance companies? Did you have to pay deductibles last year? If so, how much did you pay out last year before the 19% increase and after deductibles?

That question could be open ended as you can never be sure of the complete answer. If memory serves me correct, there have been a total of 3 doctor visits between us. Each of those visits cost us $30.00 per visit as our co-pay (no deductible)

Both of us have some monthly medications, that our portion of the payment is around $60.00. (no deductible)

As to other medical expenses, procedures, surgeries, specialists - none. Cost = 0

So, if you figure a normal office visit at $100.00, and said that the price of our medicine should be triple what we paid for it, then, BCBS would have paid benefits of $1650.00 out of our current year premiums of $10,939.08.

[Jogeephus]

Granny, isn't it nice to know that there is at least one person on earth who will never forget your birthday?

[grannysoo]

Granny, isn't it nice to know that there is at least one person on earth who will never forget your birthday?

It is. But my feelings are still hurt that Hoss does not want to be my Uncle Sam and pay for me. I think I'll pout for a while....

[HOSS]

Granny, isn't it nice to know that there is at least one person on earth who will never forget your birthday?

It is. But my feelings are still hurt that Hoss does not want to be my Uncle Sam and pay for me. I think I'll pout for a while....

Jo...because you are such a friendly, likeable cuss....if you were to get in a pinch I'd send you some money for a doctor.....but since our dollar won't be worth anything and if inflation shoots up like I think we are in for.....you might want to consider a barter system with the doctors office....you could trade an imbalancer for healthcare

[HerefordSire]

You could almost self-insure, depending upon your genetics, for say 5-10 years, as long as the Feds don't force an individual mandate.

For example without the unconstitutional mandate: 10 years * $11K = $110K plus interest. As long as your bills for the next 10 years were less than $110K, you would be ahead at the risk of your assets.

[TexasBred]

Cancel it...in 3 years Uncle Sam will insure you (if you start paying now)

Uncle Same would pay for all of my health care now if I would quit working and trying to make a good life for my family. It's called "indigent care".

There are many in my area that are on it, and it works rather well....

You have to learn to work the system granny. You don't have to be indigent.

[Jogeephus]

The problem is that with a public option I will be paying for part of your healthcare right out of my check and you will be paying for mine out of your check.....nobody gets ahead in that game....it is never free and anything run by government has always cost more than private business. It is just "hidden" so that it is not always obvious. The way I see it is that we treat health insurance unlike any other insurance. If our car has a water pump go out we don't call All-State and want coverage under our car insurance plan but if we have a cold we go to the doctor and expect to use insurance to pick up the tab minus our co-pay. If you have an accident and your car is severely damaged then the All-State policy kicks in......healthcare insurance should be treated the same way.

Not trying to get ahead here just trying to tread water and keep from going under but if I'm following you correctly you are saying everyone should be required to have health insurance just as everyone who drives a vehicle must have car insurance. Makes sense to me but don't know how this would fly when so many value a cell phone and a car more than they value their health and family.