Welcome to PatsFans.com

Yes or no?

Discussion in 'Political Discussion' started by alvinnf, Oct 21, 2009.

?

Are you happy with your current health care coverage?

  1. Yes

    19 vote(s)
    76.0%
  2. No

    6 vote(s)
    24.0%
  3. No, I have no coverage.

    0 vote(s)
    0.0%
  1. alvinnf

    alvinnf Rookie

    Joined:
    Mar 13, 2008
    Messages:
    3,296
    Likes Received:
    0
    Ratings:
    +0 / 0 / -0

    Are you happy with your current health care plan?
    -Not can it be better.
    -Not can it be cheaper.
    -Just a plain simple yes or no, is it working for you right now?
    Last edited: Oct 21, 2009
  2. mcgraw_wv

    mcgraw_wv Rookie

    Joined:
    Feb 5, 2008
    Messages:
    2,257
    Likes Received:
    7
    Ratings:
    +7 / 0 / -0

    I haven't used it in months, or years... I can't really see the value in it, I have not had any major health cost in years...

    I would most likely save money by only having "Dramatic Health Insurance" and just pay cash for my everyday visits compared to the amount of money they take out of my pay check.

    I easily pay in more than I get out. the system relies on people like me to keep the charade going.
  3. BelichickFan

    BelichickFan B.O. = Fugazi PatsFans.com Supporter

    Joined:
    Sep 13, 2004
    Messages:
    31,088
    Likes Received:
    29
    Ratings:
    +37 / 2 / -3

    #24 Jersey

    Yes I am. The only issue I have is I wish I could get less coverage. I don't want to be insured for mental problems and all the other slop that comes with every option I have. But overall I am good. And that's despite having no dental or optical coverage and an upcoming $5K bill for my kids' braces. I don't expect others to pay for all my medical care.
  4. Rossmci90

    Rossmci90 Rookie

    Joined:
    Oct 29, 2007
    Messages:
    933
    Likes Received:
    0
    Ratings:
    +0 / 0 / -0

    I voted yes, because im covered by the NHS.
  5. alvinnf

    alvinnf Rookie

    Joined:
    Mar 13, 2008
    Messages:
    3,296
    Likes Received:
    0
    Ratings:
    +0 / 0 / -0

    Looks like I should have put other. I wonder if can be changed. Wouldn't want to skew the results.
  6. Mrs.PatsFanInVa

    Mrs.PatsFanInVa PatsFans.com Supporter PatsFans.com Supporter

    Joined:
    Sep 7, 2009
    Messages:
    14,498
    Likes Received:
    14
    Ratings:
    +18 / 0 / -1

    It's kind of a bogus question, isn't it? What about if I'm, personally, happy with MY health care coverage but I'm unhappy with my son's health care coverage? Or what if I'm even more altrustic and I'm happy with mine and my son's health care coverage but I'm unhappy knowing that other people don't have the same options that we do? And even if I'm currently happy with our health care coverage I am aware it is subject to change at a moment's whim or can be gone completely with the loss of a job or the advent of an illness - what then? Can I be considered "happy with it" if I am worried about losing it?

    You're also asking the question on a board where most people have computers and expensive internet connections and spare time - which means they are either independantly wealthy or they have jobs - and most people with money and/or jobs have health insurance. Ask the same question at a food bank or at a job fair or at the unemployment line and you're going to get an entirely different set of answers.

    Most people with health insurance don't even know for sure what they've got or what they're entitled to. It's a sad fact but it's true. I see it every day - people come in to see the doctor and they don't even know what kind of a plan they have - they only know their employer says they're covered, that they have a certain amount of money taken from their check each pay period to pay their share of the cost and that's about the depth and breath of their knowledge. They don't know if they've got an HMO, a PPO, a POS, or a ChoicePlus plan. They don't know their own co-pay or their deductible. They don't know what's covered and what's not covered - and they're constantly amazed and appalled when their treatment gets denied or when I have to tell them that they are the ones responsible for either getting written permission to see the doctor or for paying the bill themselves. Many of them do not understand that they cannot get their MRI or their CT or even their necessary medication unless the get written pre-approval from their insurance company. None of the many understand it when the insurance company refuses to comply with their doctor's request for any of those things and denies them the treatment recommended by their doctor.

    So, Alvin, unless you're willing to post your simple little questionnaire on the walls of an unemployment office or pass it out in a doctor's billing office as well as posting it here, your results are, indeed, going to be skewed even though you are claiming you don't want them to be.

    But you knew that, didn't you?
    Last edited: Oct 21, 2009
  7. alvinnf

    alvinnf Rookie

    Joined:
    Mar 13, 2008
    Messages:
    3,296
    Likes Received:
    0
    Ratings:
    +0 / 0 / -0

    Settle down....It has an intent.
  8. cupofjoe1962

    cupofjoe1962 Rookie

    Joined:
    Feb 4, 2008
    Messages:
    2,506
    Likes Received:
    8
    Ratings:
    +9 / 0 / -0

    When I accepted a job with my company in 1985 they offered Blue Cross
    Master Medical Plus.... No co-pays & No deductible.

    Last year we switched from Tufts to Cigna....

    2010 they raised the my cost 10% ($600 plus per month for a family)
    and the co pays are the same $20 & $30 for a specialist. The co-pay
    for a emergency room visit went from $100 to $150. Last year we had
    no deductable, but in 2010 it will be $450 for a family. With a 2 year old
    and a 3 year old, I will be paying the full $450 for sure. I also have to take
    my 2 year old daughter to Childrrens Hospital once a year for a reflex problem
    she has with between her bladder and her kidneys. I had problems with Cigna paying
    the bill last year and I am not looking forward to chasing them again thisyear to pay the bill.

    When you accept a job with full medical... they should not be able
    to change the rules (in my eyes) after you are hired. (suprise suprise).
    I accepted a package with ful medical coverage..... I now have what I refer to as Disney coverage (Total Mickey Mouse coverage).
    Last edited: Oct 21, 2009
  9. Mrs.PatsFanInVa

    Mrs.PatsFanInVa PatsFans.com Supporter PatsFans.com Supporter

    Joined:
    Sep 7, 2009
    Messages:
    14,498
    Likes Received:
    14
    Ratings:
    +18 / 0 / -1

    Sometimes your company doesn't even have to switch carriers to change plans.

    We are with the same company this year as we have been for the past 7 years.

    Last year our premiums went up by several hundred dollars a year.

    Our copays went from $15 to $20.

    Our family deductible went from $300 to $600.

    Our ER copay rose from $100 to $250.00

    Our drug co-pays went up and the drugs allowed decreased.

    Because I work in a doctor's office and do the billing I also know that this particular insurance company also lowered their rate of reimbursement to the physicians and the hospitals.

    Not only do we pay higher premiums for less personal benefits but our physicians of choice are also getting less money in return for the same services - as are the pharmacies and the hospitals and the ancillary medical suppliers. (labs, x-ray clinics, etc.)

    More local area doctors and hospitals are either outright refusing to participate in the plan or they are in "negotiations" with the insurance company - many local area doctors are refusing to participate in ANY plan.

    Big surprise there, huh?

    I should add here that we've got one of the widely recognized "better" insurance plans available nationwide.
    Last edited: Oct 21, 2009
  10. Real World

    Real World Rookie

    Joined:
    Aug 15, 2006
    Messages:
    26,289
    Likes Received:
    24
    Ratings:
    +26 / 0 / -1

    I'm happy with the coverage. I just hate the cost.
  11. PatriotsReign

    PatriotsReign Rookie

    Joined:
    Jan 15, 2007
    Messages:
    25,015
    Likes Received:
    32
    Ratings:
    +37 / 0 / -7

    This a PERFECT example of your over-seriousness and a PRIME example of taking a question FAR beyond what was asked.

    No one gives a rats arse if you feel bad about someones health coverage in Timbuktwo or even your neighbor. That's not you problem, it's theirs. Just answer the question as asked like everyone else.

    JEESH!! :rolleyes:

    "Well....what if suddenly my coverage changes and the guy in Wyoming"s doesn't but we have the same provider? (sound of rapid gum-chewing kicks in...) and....and....Well, I just don't think that's fair!":rolleyes:
    Last edited: Oct 21, 2009
  12. PatriotsReign

    PatriotsReign Rookie

    Joined:
    Jan 15, 2007
    Messages:
    25,015
    Likes Received:
    32
    Ratings:
    +37 / 0 / -7

    Super-Duper Great Question Alvin! We could use a LOT more simple & direct questions like these. I LOVE when posters here ask "YES OR NO" which is it going to be? So we don't have people hemming and hollering about tersiary points unrelated to your question.

    I have coverage from Blue-Cross/Blue-Shield of California. The company I work for is California based. I have no co-pay for doctor's visits of any kind for any reason. My plan costs me $28/month or $14 per pay period. I have a $10 co-pay for branded prescriptions and $0 co-pay for generics. My plan has an annual $300 deductable after which everything is covered 100%.

    See why I don't want anyone messing with my coverage? It's the best coverage I've ever had and I've earned it.

    I also don't want to be TAXED additonally for any re-vamping the gov't does.

    NO NEW TAXES!!! :americaflag:
    Last edited: Oct 21, 2009
  13. BelichickFan

    BelichickFan B.O. = Fugazi PatsFans.com Supporter

    Joined:
    Sep 13, 2004
    Messages:
    31,088
    Likes Received:
    29
    Ratings:
    +37 / 2 / -3

    #24 Jersey

    No more bogus than the obamans saying "80% of Americans favor health care reform". But not saying that only 40% support the current plans. They're trying to push through something the clear majority don't want and you have the nerve to call this a bogus question ?
  14. Patriot_in_NY

    Patriot_in_NY Rookie

    Joined:
    Jan 1, 2007
    Messages:
    8,521
    Likes Received:
    10
    Ratings:
    +10 / 0 / -0

    Thanks for stating the obvious.

    I'm happy with what I got, cept I think it's too expensive (my boss might pay me more if it were cheaper)....... Perhaps if I had the option to al' la cart stuff on my plan to save costs. I don't need mammogram and OB/GYN coverage, so why should I pay for it?
  15. BelichickFan

    BelichickFan B.O. = Fugazi PatsFans.com Supporter

    Joined:
    Sep 13, 2004
    Messages:
    31,088
    Likes Received:
    29
    Ratings:
    +37 / 2 / -3

    #24 Jersey

    That's where we get screwed with it, not by the insurance companies but by the regulation that doesn't allow "discrimination". It's crap and less regulation would help.
  16. PatriotsReign

    PatriotsReign Rookie

    Joined:
    Jan 15, 2007
    Messages:
    25,015
    Likes Received:
    32
    Ratings:
    +37 / 0 / -7

    I'll admit, I'm ok with those laws. Women shouldn't have to pay more because by chance they were born female and men shouldn't be rewarded because they were born male. That would be ridiculous.
  17. BelichickFan

    BelichickFan B.O. = Fugazi PatsFans.com Supporter

    Joined:
    Sep 13, 2004
    Messages:
    31,088
    Likes Received:
    29
    Ratings:
    +37 / 2 / -3

    #24 Jersey

    Talk to auto insurance companies.
  18. PatsWSB47

    PatsWSB47 Rookie

    Joined:
    Mar 13, 2007
    Messages:
    7,582
    Likes Received:
    14
    Ratings:
    +15 / 0 / -0

    Women pay less for lief insurance and auto insurance however. sorry for the double post
    Last edited: Oct 21, 2009
  19. PatsWSB47

    PatsWSB47 Rookie

    Joined:
    Mar 13, 2007
    Messages:
    7,582
    Likes Received:
    14
    Ratings:
    +15 / 0 / -0

    Women pay less for life insurance and auto insurance however.
  20. PatsFanInVa

    PatsFanInVa PatsFans.com Supporter PatsFans.com Supporter

    Joined:
    Mar 19, 2006
    Messages:
    19,531
    Likes Received:
    41
    Ratings:
    +45 / 0 / -2

    Hey morons. A "risk pool" doesn't work if you only pay for the parts you use. Then it's a fee-for-service system.

    I didn't have open-heart surgery this year, so why should I pay for it? I didn't have cancer, so why should I pay for it? I don't need viagra, so why should I pay for it? I'm a woman and can't get testicular cancer, so why should I pay for it? I'm white and statistically live longer and am not likely to get sickle cell, so why should I pay for it? I don't have mesophilioma, a broken wrist, herpes, superventricular tachycardia, Crone's disease, or children to have childhood diseases; I didn't tear an ACL, I'm not underweight, and I don't have malaria. I don't smoke so why pay for smoking cessation, I do smoke but don't have lung cancer, blah blah blah.

    You pay for it because it's a risk pool.

    Of course it's not designed to be a fee-for-service system, because it's an insurance system.

    Everybody pays a little bit all the time. Then there's a gigantic bill that no one individual can cope with, and the pool pays for that gigantic bill.

    You can't just show up after not paying insurance your whole life, get a bill for cancer treatment in the hundreds of thousands of dollars, and then say "Oh I'll enroll in health insurance and pay my $1200 premium for this month, the month I got treatment."

    You also can't just insist that we divide up the pool and not have any of the money directed toward treatment applicable to children; the difference in premiums does not take that into account one iota. The cost of a family premium reflects the number of individuals in a particular family. It does not reflect that children need more medical care.

    What about the large family sizes so popular in the "traditionalist" bits of America? You really think charging 2.4 times the premium to reflect the average family size is fair, when there are 13 kids because an ancient book told a guy he needs to breed like a rabbit? Yet I pay for that coverage for those 13 kids... and don't forget it's disproportionate coverage already built into my costs.

    I'm in my 40s and use very little of my insurance perks... how about guys in their 60s and 70s? Why should I pay for them, I'm not them!!!

    Shouldn't gays get cheaper insurance because they have no biological children with their current partners, and have much smaller families on average than straights?

    Get your dense heads around this phrase:

    COMMON GOOD.

    I pay for your brats. Now you pay for somebody else. We all pay for each other. YOU CAN'T BE SELF-SERVING AND BELIEVE IN A RISK POOL.

    Christ, you guys are remedial.

    PFnV

Share This Page