What is your advice?

[winston53660]

Unless your employer has a health care plan, and unless you have a clean bill of health, you can't get a provider at all.

I have a fairly severe congenital heart defect and I got insurance after I was diagnosed. I'm in the high risk pool that is in the State of Texas.

1) you have to qualify medically for this pool. It is not a given one can get in.

2) I pay twice the average premium for my zone.

 

[Catawba]

You can get a different provider, and you can also influence how they do this.
And worse, if they force you to pay in, you won't simply be able to forgo the UHC and pay on your own out of pocket to get the choice you want. It will be just like school taxes, you pay in, if you choose otherwise...well, good luck.

You know this is true.

Ha! Because you say it doesn't have a damn thing to do with the reality of millions being forced into poverty in this country due to the highest health care costs of the world.

You are obviously young and healthy and have no idea that most of the middle class have seen their health care insurance cost triple in the last decade.

UHC is a bad idea. It's overkill. If they can't regulate it so that it functions well, I am damn sure they cannot run UHC so that it functions well.

Whatever the hell that means........................

 

[Catawba]

2 wrongs, don't make a right.

Besides the point that, I have the choice not to contract with them, to pay for services outside of insurance, etc.

Only if you are wealthy enough, that's the problem

 

[Harry Guerrilla]

Only if you are wealthy enough, that's the problem

Again not true.
Payment plans and loans exist for a reason.

 

[Catawba]

Again not true.
Payment plans and loans exist for a reason.

Your personal opinion once again is wrong:
Medical bills prompt more than 60 percent of U.S. bankruptcies

 

[Harry Guerrilla]

Your personal opinion once again is wrong:
Medical bills prompt more than 60 percent of U.S. bankruptcies

And how many of those people, lost income due to the illness (which would happen whether or not they had any type of insurance) and also bankrupted on large amounts of consumer debt?

Lies, damn lies and your statistics.

 

[SheWolf]

Why not just make a run for the canadian boarder?

 

[Catawba]

And how many of those people, lost income due to the illness (which would happen whether or not they had any type of insurance) and also bankrupted on large amounts of consumer debt?

Lies, damn lies and your statistics.

Insult me all you like. I've provided documented fact to refute your personal opinion, and your comeback is insults and more personal opinion. :sun

 

[Harry Guerrilla]

Insult me all you like. I've provided documented fact to refute your personal opinion, and your comeback is insults and more personal opinion. :sun

I didn't insult you, I merely pointed out that statistics can be used to fraudulently say anything.
You haven't shown, how many of those people would of filed for bankruptcy anyway (regardless of insurance status) because they lost income due to the illness.

Ohh looky what I found, seems hospitals offer charity and financial assistance for those in need.

Care and Coverage for Low Income People | Charity Care/Medical Financial Assistance | Kaiser Permanente Community Benefit

That's just one example though.

See in the U.S. those who need care can get it, regardless of income, because there are a multitude of funding sources.

 

[Catawba]

I didn't insult you, I merely pointed out that statistics can be used to fraudulently say anything.
You haven't shown, how many of those people would of filed for bankruptcy anyway (regardless of insurance status) because they lost income due to the illness.

That is your defense of the current system??? Really? This would not occur with UHC, so I thank you for confirming my point.

Ohh looky what I found, seems hospitals offer charity and financial assistance for those in need.

Care and Coverage for Low Income People | Charity Care/Medical Financial Assistance | Kaiser Permanente Community Benefit

That's just one example though.

See in the U.S. those who need care can get it, regardless of income, because there are a multitude of funding sources

And yet, 60% of US bankruptcies are due to medical costs. Sorry, that's not good enough.

 

[Harry Guerrilla]

That is your defense of the current system??? Really? This would not occur with UHC, so I thank you for confirming my point.

Why is that wrong?
In either scenario people would be bankrupting because of loss of income.

And yet, 60% of US bankruptcies are due to medical costs. Sorry, that's not good enough.

Did you even read the link you posted?
It included loss of income, you got self owned.
So sad. :lol:

 

[Catawba]

Why is that wrong?
In either scenario people would be bankrupting because of loss of income.

You wouldn't be stuck with hundreds of thousands of dollars of medical expenses on top of that.

Its not like we have a choice. Health care costs are hurting our economy and creating more and more poor. Sooner or later we will have to upgrade as every single other industrialized nation has done.

 

[Harry Guerrilla]

You wouldn't be stuck with hundreds of thousands of dollars of medical expenses on top of that.

That's not what your link says though.
Again, do you just read headlines or the actual content in the links?

Its not like we have a choice.

Of course we do.

Health care costs are hurting our economy and creating more and more poor. Sooner or later we will have to upgrade as every single other industrialized nation has done.

What you continue to ignore is that not every single industrialized nation has done so.
I guess you use a selective interpretation of industrialized nation.

 

[Dittohead not!]

What you continue to ignore is that not every single industrialized nation has done so.
I guess you use a selective interpretation of industrialized nation.

Really?


Which modern industrialized nation, besides the US, does not have universal medical care?

 

[Harry Guerrilla]

Really?


Which modern industrialized nation, besides the US, does not have universal medical care?

Switzerland has a mandatory insurance system.
Singapore has a similar thing, but they use Medisave, which is a mandatory national HSA.

Both of which have high life expectancy.

 

[Dittohead not!]

Switzerland has a mandatory insurance system.
Singapore has a similar thing, but they use Medisave, which is a mandatory national HSA.

Both of which have high life expectancy.

A mandatory insurance system? Isn't that the so called "Obamacare"?

And, do they or do they not have a "public option"?

 

[Catawba]

That's not what your link says though.
Again, do you just read headlines or the actual content in the links?

Look at the increase in bankruptcies, since you missed that in the article. It shows a great increase in bankruptcies. Loss of income due to sickness cannot account for that.

"Bankruptcies due to medical bills increased by nearly 50 percent in a six-year period, from 46 percent in 2001 to 62 percent in 2007, and most of those who filed for bankruptcy were middle-class, well-educated homeowners, according to a report that will be published in the August issue of The American Journal of Medicine."

Your imagined point fails. :sun

 

[Harry Guerrilla]

A mandatory insurance system? Isn't that the so called "Obamacare"?

Yea, It still doesn't make it right.

And, do they or do they not have a "public option"?

No, but they do have "public" hospitals, like we do here.

Healthcare in Switzerland - Wikipedia, the free encyclopedia

 

[Harry Guerrilla]

Look at the increase in bankruptcies, since you missed that in the article. It shows a great increase in bankruptcies. Loss of income due to sickness cannot account for that.

"Bankruptcies due to medical bills increased by nearly 50 percent in a six-year period, from 46 percent in 2001 to 62 percent in 2007, and most of those who filed for bankruptcy were middle-class, well-educated homeowners, according to a report that will be published in the August issue of The American Journal of Medicine."

Your imagined point fails. :sun

Quoting your source,

"I'm not sure that it is correct to say that medical problems were the direct cause of all of these bankruptcies," he says. "In most of these cases, it's going to be medical expenses and other things, other debt that is accumulating."

Hint to you, read the whole story, not just hang on the headlines.

 

[Dittohead not!]

Yea, It still doesn't make it right.

Sure, they'd be a lot better off to allow deadbeats to increase the cost for everyone else, like we do.

No, but they do have "public" hospitals, like we do here.

Healthcare in Switzerland - Wikipedia, the free encyclopedia

From your link:

Healthcare in Switzerland is universal[1] and is regulated by the Federal Health Insurance Act of 1994

Which modern industrialized nation does not have universal medical care?

 

[Harry Guerrilla]

Sure, they'd be a lot better off to allow deadbeats to increase the cost for everyone else, like we do.

That's not the reason costs have been going up, people not paying their bills is a marginal reason.

From your link:

Which modern industrialized nation does not have universal medical care?

Yes I'm aware that people like to wiggle worm out of what they mean, by using interchangeable terms like single payer and universal health care.

Catawba specifically wants single payer, as he uses the language in all the other posts, about medical care.

 

[Catawba]

Quoting your source,

"I'm not sure that it is correct to say that medical problems were the direct cause of all of these bankruptcies," he says. "In most of these cases, it's going to be medical expenses and other things, other debt that is accumulating."

Hint to you, read the whole story, not just hang on the headlines.

The story points to no increase in other cost increase during the same period. There is a difference between reading a story, and reading something into it as you have, that is not there.

 

[Harry Guerrilla]

The story points to no increase in other cost increase during the same period. There is a difference between reading a story, and reading something into it as you have, that is not there.

I'm quoting the story, from me actually reading it, because it supports what I've been saying.
Sorry you didn't do so, before you hit reply.

To add:

Let's make this real simple.
You have bills, including debt.
You get sick and can no longer work for a period of time.
You have no income, bills don't get paid.
What happens next?

 

[Catawba]

I'm quoting the story, from me actually reading it, because it supports what I've been saying.
Sorry you didn't do so, before you hit reply.

To add:

Let's make this real simple.
You have bills, including debt.
You get sick and can no longer work for a period of time.
You have no income, bills don't get paid.
What happens next?

What you are missing (that could have made your point) is those cost have not gone up during the same period of the stark increase in bankruptcies.

In other words, there is no correlation between the two, which is why your point fails. :sun

 

[Harry Guerrilla]

What you are missing (that could have made your point) is those cost have not gone up during the same period of the stark increase in bankruptcies.

In other words, there is no correlation between the two, which is why your point fails. :sun

So if income goes down, but other debt costs don't go up, someone can still reliably pay their bills?
Really?

What kind of crazy math is that?