Paying for/Getting Coverage You Don't Want

[Tigger]

More on the philosophical side of the Health Insurance/ACA issue, but.... Why is it that ANYONE is being forced to pay for coverages that they do not want. just because the Government feels that they are "necessary"?

For example, I'd be perfectly fine with a plan that does not cover any form of Cancer treatment. I have my own means of dealing with that disease. There are many other ailments and treatments that I would be more than happy to sign away my benefits regarding if it brought down my premiums.

We've also heard a lot about these supposed "Death Panels". I don't know if they exist, nor do I really care. My bigger concern is what I call "Life Panels"..... The idea that there is some sort of regulatory group or board in the ACA that will have the right to tell me that I HAVE TO accept certain treatments or medications whether I want to or not.

 

[MaggieD]

More on the philosophical side of the Health Insurance/ACA issue, but.... Why is it that ANYONE is being forced to pay for coverages that they do not want. just because the Government feels that they are "necessary"?

For example, I'd be perfectly fine with a plan that does not cover any form of Cancer treatment. I have my own means of dealing with that disease. There are many other ailments and treatments that I would be more than happy to sign away my benefits regarding if it brought down my premiums.

We've also heard a lot about these supposed "Death Panels". I don't know if they exist, nor do I really care. My bigger concern is what I call "Life Panels"..... The idea that there is some sort of regulatory group or board in the ACA that will have the right to tell me that I HAVE TO accept certain treatments or medications whether I want to or not.

You don't have to accept one treatment or medication that you don't want. The rest of your question, "Why are we being forced to pay for coverages we don't want?" Well, that's the whole idea behind the universal healthcare debate, isn't it?

I doubt you can buy a comprehensive insurance policy on your car that doesn't cover theft either. A menu only goes so far.

You mean to tell me that if you got prostate cancer you would refuse treatment? Thyroid cancer? Skin cancer? Or do you want to pick and choose from cancers as well?

 

[Tigger]

You don't have to accept one treatment or medication that you don't want.

One of my growing concerns as the Government gets more and more involved in the healthcare industry is that at some point we may lose the ability to say "No" to certain treatments. Colonoscopies for example; or potentially a THC-derived pain medication if one were to come on the market in the future.

The rest of your question, "Why are we being forced to pay for coverages we don't want?" Well, that's the whole idea behind the universal healthcare debate, isn't it? I doubt you can buy a comprehensive insurance policy on your car that doesn't cover theft either. A menu only goes so far.

If you tell me what I have to have, it's not much of a menu to begin with.

You mean to tell me that if you got prostate cancer you would refuse treatment? Thyroid cancer? Skin cancer? Or do you want to pick and choose from cancers as well?

Yes, to all of the above. My cure for cancer is very simple - 1 round of .45ACP up under the chin. I saw what my grandfathers and father went through. I will not put myself through that.

 

[Heebie Jeebie]

You don't have to accept one treatment or medication that you don't want. The rest of your question, "Why are we being forced to pay for coverages we don't want?" Well, that's the whole idea behind the universal healthcare debate, isn't it?

I doubt you can buy a comprehensive insurance policy on your car that doesn't cover theft either. A menu only goes so far.

You mean to tell me that if you got prostate cancer you would refuse treatment? Thyroid cancer? Skin cancer? Or do you want to pick and choose from cancers as well?

The point is not will you refuse treatment for cancer, it's why do you need to pay for 'maintenance' items you don't want or possible could never need? Why can't you just buy basic insurance that covers hospital stay, life saving treatment and out of the norm costs? That would make sense, require THAT and let everyone else decide if they want a colonoscopy every year starting at 18 or if they want birth control at age 60. Insurance should be for the big ticket items that can devastate your, financially and health wise, not for a flu shot.

 

[JumpinJack]

More on the philosophical side of the Health Insurance/ACA issue, but.... Why is it that ANYONE is being forced to pay for coverages that they do not want. just because the Government feels that they are "necessary"?

For example, I'd be perfectly fine with a plan that does not cover any form of Cancer treatment. I have my own means of dealing with that disease. There are many other ailments and treatments that I would be more than happy to sign away my benefits regarding if it brought down my premiums.

We've also heard a lot about these supposed "Death Panels". I don't know if they exist, nor do I really care. My bigger concern is what I call "Life Panels"..... The idea that there is some sort of regulatory group or board in the ACA that will have the right to tell me that I HAVE TO accept certain treatments or medications whether I want to or not.

My thoughts exactly. For example, I could do without maternity coverage (I'm over 50) and inpatient drug rehab coverage (I don't do drugs & generally am against pill taking except for vitamins), in return for a lower deductible.

As it is, because of those other coverages that I will not use at all but must pay for, my deductible will have to be high ($5,000 or more likely $6,000) with no copays. That means I will basically get NO COVERAGE until I pay for all health care in full, until I fork out $6,000 (which isn't likely; it could happen, but isn't likely).

My NEW coverage will be junk coverage, compared to what I could buy in 2013. Because I have to buy for nonsensical coverage.

It's being handled like a group policy, benefits-wise, but I'm being charged at the high individual rates. It is so unfair. It's awful. And fails to provide decent coverage at decent rates, as promised.

 

[Fisher]

The point is not will you refuse treatment for cancer, it's why do you need to pay for 'maintenance' items you don't want or possible could never need? Why can't you just buy basic insurance that covers hospital stay, life saving treatment and out of the norm costs? That would make sense, require THAT and let everyone else decide if they want a colonoscopy every year starting at 18 or if they want birth control at age 60. Insurance should be for the big ticket items that can devastate your, financially and health wise, not for a flu shot.

Funny you mention those. I asked the lady at my mom's pharmacy how much a flu shot was. "oh it just depends". Let us assume I have no insurance and want to pay the cash price, then for a worst case scenario the price is what? "oh i would need to see your insurance card first." Err. I just told you I want the no insurance price. "Oh I can't tell you because it just depends." This went on for a bit but she absolutely refused to tell me what the price would be if I walked in with no insurance and wanted one. I have insurance. My insurance covers flu shots. I do not get flu shots, but the fact that they could not say a price tells me it is all a little bit of a racket going on with these stores.

 

[American]

I wonder what the copay on abortions is?

 

[mak2]

Where did this idea of ala carte healthcare insurnace come from. With the exception of AFLAC like policies I dont remember hearing about this before.

 

[sangha]

More on the philosophical side of the Health Insurance/ACA issue, but.... Why is it that ANYONE is being forced to pay for coverages that they do not want. just because the Government feels that they are "necessary"?

For example, I'd be perfectly fine with a plan that does not cover any form of Cancer treatment. I have my own means of dealing with that disease. There are many other ailments and treatments that I would be more than happy to sign away my benefits regarding if it brought down my premiums.

We've also heard a lot about these supposed "Death Panels". I don't know if they exist, nor do I really care. My bigger concern is what I call "Life Panels"..... The idea that there is some sort of regulatory group or board in the ACA that will have the right to tell me that I HAVE TO accept certain treatments or medications whether I want to or not.

Your premiums don't pay for your care. Your premiums go towards paying the health care costs of everyone who is covered under your plan

 

[sangha]

Where did this idea of ala carte healthcare insurnace come from. With the exception of AFLAC like policies I dont remember hearing about this before.

The Obama haters are under the impression that there was a time when they could choose a plan that only covered the conditions they wanted to have covered.

That is a delusion

 

[mak2]

Yes, it is called the pooling of risks. It must be difficult to be a Republican now days and keeping a straight face.

Your premiums don't pay for your care. Your premiums go towards paying the health care costs of everyone who is covered under your plan

 

[sangha]

Yes, it is called the pooling of risks. It must be difficult to be a Republican now days and keeping a straight face.

Their sociopathy makes it easy

 

[Tigger]

The point is not will you refuse treatment for cancer, it's why do you need to pay for 'maintenance' items you don't want or possible could never need? Why can't you just buy basic insurance that covers hospital stay, life saving treatment and out of the norm costs? That would make sense, require THAT and let everyone else decide if they want a colonoscopy every year starting at 18 or if they want birth control at age 60. Insurance should be for the big ticket items that can devastate your, financially and health wise, not for a flu shot.

I've got no problem with the maintenance or preventative care options, so long as they're OPTIONS.

 

[Tigger]

Where did this idea of ala carte healthcare insurnace come from. With the exception of AFLAC like policies I dont remember hearing about this before.

It's the alternate end of the spectrum from the all-inclusive, massive cost plans that most of the Liberals in this country want. Plans that cover everything under the sun for people who don't need the vast majority of it.

Your premiums don't pay for your care. Your premiums go towards paying the health care costs of everyone who is covered under your plan

True. Which is why I'd be willing to bet that if these companies were allowed to offer plans (as they have been in the past) with less coverage for less cost, they would be relatively popular.

 

[sangha]

It's the alternate end of the spectrum from the all-inclusive, massive cost plans that most of the Liberals in this country want. Plans that cover everything under the sun for people who don't need the vast majority of it.



True. Which is why I'd be willing to bet that if these companies were allowed to offer plans (as they have been in the past) with less coverage for less cost, they would be relatively popular.

And the result would be (as it was in the past) people getting inadequate coverage, and when they get bills they can't pay, they'd dump the costs on the rest of us like the cheapskate moochers that we know they are

 

[mak2]

I said something in another thread about the Republicans fighting for the right of people to get "free" healthcare. Another example.

And the result would be (as it was in the past) people getting inadequate coverage, and when they get bills they can't pay, they'd dump the costs on the rest of us like the cheapskate moochers that we know they are

 

[sangha]

I said something in another thread about the Republicans fighting for the right of people to get "free" healthcare. Another example.

Int his thread, they're whining about having to pay for cancer coverage. In another thread, they're whining because someone in CA can't get cancer coverage

 

[Heebie Jeebie]

Funny you mention those. I asked the lady at my mom's pharmacy how much a flu shot was. "oh it just depends". Let us assume I have no insurance and want to pay the cash price, then for a worst case scenario the price is what? "oh i would need to see your insurance card first." Err. I just told you I want the no insurance price. "Oh I can't tell you because it just depends." This went on for a bit but she absolutely refused to tell me what the price would be if I walked in with no insurance and wanted one. I have insurance. My insurance covers flu shots. I do not get flu shots, but the fact that they could not say a price tells me it is all a little bit of a racket going on with these stores.

No doubt there are about 50 different prices for them but they are not required, they don't cost much compared to other medical issues and anyone can walk up and get one, you don't need a prescription. So why force everyone to 'pay' for a flu shot they may or may not even get or that might not even work for that matter?

 

[Heebie Jeebie]

I've got no problem with the maintenance or preventative care options, so long as they're OPTIONS.

Yep and I think that if the big ticket items were removed from the 'maintenance' plans they would be pretty cheap as the risk would be low and the 'catastrophic' plans would be a little cheaper because you wouldn't have to buy InVitro treatment if you didn't want it. Everyone would be covered for the things that ruin live and those who wanted to be able to go to the doctor every time they caught a cold could choose to pay for that privilege.

 

[specklebang]

Look. I know this is a p[olitical board but it's getting tedious when all I hear are wildly different claims.

Has anyone here gotten a policy from an exchange? If you actually have a policy and not just an opinion of a policy, can you tell us what is covered in YOUR policy. If you are MALE is there an actual xclause saying you have pregnancy coverage or is that just a presumption that because risk is pooled you might "pay" for a pregnancy.

C;mon people, lets have some FACTS please. I can't sign up becaus I'm over 65 so I want to hear from a policy BUYER not just pro/anti fabrications.

Please. Anyone. Surely we can't be 100% bull**** artists here. There must be ONE real client of Obamacare who has a ****ing policy.

 

[Tigger]

And the result would be (as it was in the past) people getting inadequate coverage, and when they get bills they can't pay, they'd dump the costs on the rest of us like the cheapskate moochers that we know they are

How do you see that happening? As part of this, I would suggest the revocation of the requiement for any health care provider to serve any individual who can't pay.

In this thread, they're whining about having to pay for cancer coverage. In another thread, they're whining because someone in CA can't get cancer coverage

Further proof that one size does not fit all when it comes to health coverage. My cancer treatment plan cost me about $0.25 as a one-time fee.

Yep and I think that if the big ticket items were removed from the 'maintenance' plans they would be pretty cheap as the risk would be low and the 'catastrophic' plans would be a little cheaper because you wouldn't have to buy InVitro treatment if you didn't want it. Everyone would be covered for the things that ruin live and those who wanted to be able to go to the doctor every time they caught a cold could choose to pay for that privilege.

I'd actually look at it the other way around.... Get the everyday coverage and then only whatever "emergency" coverages I feel I need. Of course I'm also for stopping this forced treatment of indigents by ER's and Clinics.

 

[sangha]

How do you see that happening? As part of this, I would suggest the revocation of the requiement for any health care provider to serve any individual who can't pay.

How do I see it happening?

By paying attention to reality.

Further proof that one size does not fit all when it comes to health coverage. My cancer treatment plan cost me about $0.25 as a one-time fee.

Promises, promises

In my experience, the Perpetually Victimized are always first in line at the Entitlement Window.

 

[azgreg]

For the most part I think most of those against the law are against it because Obama's name is all over it. If you called it Obamaair half the GOP would stop breathing tomorrow.

 

[Heebie Jeebie]

Look. I know this is a p[olitical board but it's getting tedious when all I hear are wildly different claims.

Has anyone here gotten a policy from an exchange? If you actually have a policy and not just an opinion of a policy, can you tell us what is covered in YOUR policy. If you are MALE is there an actual xclause saying you have pregnancy coverage or is that just a presumption that because risk is pooled you might "pay" for a pregnancy.

C;mon people, lets have some FACTS please. I can't sign up becaus I'm over 65 so I want to hear from a policy BUYER not just pro/anti fabrications.

Please. Anyone. Surely we can't be 100% bull**** artists here. There must be ONE real client of Obamacare who has a ****ing policy.

Here is a list of what every plan will cover, even the ones who have received a 1 year deferment. This is why so many plans are being cancelled, they don't meet the coverage and therefore cannot be grandfathered in.

https://www.healthcare.gov/what-are-my-preventive-care-benefits/#part=1

 

[Tigger]

Promises, promises. In my experience, the Perpetually Victimized are always first in line at the Entitlement Window.

Then I obviously do not fit your experiences.

For the most part I think most of those against the law are against it because Obama's name is all over it. If you called it Obamaair half the GOP would stop breathing tomorrow.

greg, I don't care whose name is on it. The entire idea that the Government has an acceptable and legal role in ANYTHING related to medical care is completely and totally incorrect in my view of the world and my reading of this country's founding documents.