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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: 2832
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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Begin Trace Mode for Comment # 14.

#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  

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.

My wife works in the ER. She says those non-emergency visits consist of two types of people; those with no insurance who use the ER as a normal doctors visit, and those who have insurance and only have to pay a deductible for their visit and use the ER as a normal doctors visit.

The hospital does charge people with no insurance, but if they are illegal they have fake ID's and fake addresses, so the hospital eats the cost. Citizen's with no health insurance get billed and if they don't get paid, the hosptial will go after them if the bill is large enough. Most times the bill isn't large enough though, so the hospital eats those costs as well.

Of course the hospital doesn't really eat the cost. Instead, they raise their prices to compensate for the loss. Add in the cost of regulation and paperwork, and the anti-competition practices of the AMA and walla, you have a health industry out of control.

F.A. Hayek Fan  posted on  2007-03-11   11:10:02 ET  Reply   Untrace   Trace   Private Reply  

Of course the hospital doesn't really eat the cost. Instead, they raise their prices to compensate for the loss. Add in the cost of regulation and paperwork, and the anti-competition practices of the AMA and walla, you have a health industry out of control.

What I discovered is that there are different rates for different classes of people.

For example, if you break your ankle and go to the ER with no insurance, the bill will be, say, $12000.

If you have insurance, the insurance has contracted withthe hospital for a set fee for procedures, and the bill will then be, say, $2600.

So, if you have no insurance and they can find you, you will pay a drastically inflated amount for the procedure.

If you have no insurance, and they cannot find you, as an illegal, the hospital counts the inflated $12,000 as a loss that offsets their profits, if a private company, or lets them go beg to the taxpayers if a public owned entity.

What a racket. Your money or your life.

And many people, by the time they go to the doctor are on the cusp of recovery, for the typical colds etc, which little can be done for anyway. All they do is spread the virus by getting out in public.

tom007  posted on  2007-03-11   11:19:36 ET  Reply   Untrace   Trace   Private Reply  

#15. To: tom007 (#14)

What a racket.

You got that right.

F.A. Hayek Fan  posted on  2007-03-11 11:21:43 ET  Reply   Untrace   Trace   Private Reply  

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