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Title: What are people doing about the cost of medical insurance?
Source: [None]
URL Source: [None]
Published: Mar 11, 2007
Author: me
Post Date: 2007-03-11 10:26:59 by Jethro Tull
Keywords: None
Views: 2784
Comments: 72

My daughter and son-in-law are contemplating a move and a change in life style. They're in NJ and the corporate rat race is insane. Together they make good money, more than $120k, but they still find the cost of living here ridiculous. Their plan is to downsize and change careers. With a 2-year old son, their major concern is medical insurance. I can’t believe the quotes for private medical insurance they’re received.

Two questions: 1) does anyone know a decent plan that isn’t a budget buster, and 2) what is the answer to this insanity?

Thanks in advance for any suggestions.

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#3. To: Jethro Tull (#0)

I'm getting gouged for now, but Illinois is putting in a statewide plan that would cost me about $260 a month for decent coverage for me and my daughter, with rather high copays. Assuming it passes, it should go into effect by the fall. Cali and Mass have similar plans. In essence, they're single payer plans and the state negotiates for lower prices. Needless to say, there's a lot of opposition, but the Dems here control everything now. And they favor it.

Mekons4  posted on  2007-03-11   10:50:17 ET  Reply   Untrace   Trace   Private Reply  

I am for it. What really bugs me, and my medical friends, are the dodos who get a cold and a sore throat and go to the Doc. When I (very rarely) am in a waiting room I look around to see who really needs to be there. Half or less. The rest are fools who have nothing to do and want some attention from an important guy in a white coat.

And the citizens pay and pay and pay.

tom007  posted on  2007-03-11   10:56:07 ET  Reply   Untrace   Trace   Private Reply  

What really bugs me, and my medical friends, are the dodos who get a cold and a sore throat and go to the Doc. When I (very rarely) am in a waiting room I look around to see who really needs to be there. Half or less. The rest are fools who have nothing to do and want some attention from an important guy in a white coat.

A CFO of a local hospital once told me that he was of the opinion that 85 PER CENT of the "patients" that come to the emergency room could have treated their maladies at home. You are correct that many are just seeking attention from someone they perceive as an "expert".

who knows what evil  posted on  2007-03-11   11:05:42 ET  Reply   Untrace   Trace   Private Reply  

You are correct that many are just seeking attention from someone they perceive as an "expert".

I'm sure you are right to a certain degree, but the law pays a large part as well. For instance, if you do not have medical insurance, a doctor working in a practice can demand payment right then and there. A doctor working in an ER is required by law to see a patient, whether they can pay or not, or whether it's a real emergency or not.

It would be nice if an ER doctor could demand payment from a non-emergency patient, or better yet, be able to tell the patient "mam/sir, I'm sorry but this is not an emergency. You need to go and see your family physician.

Of course you still have the cost of regulation and paperwork as well as the practices of the AMA to deal with, but being able to charge and turn away non- emergency patients from the ER would lower prices.

F.A. Hayek Fan  posted on  2007-03-11   11:19:02 ET  Reply   Untrace   Trace   Private Reply  

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