Americans Still Favor Private Healthcare System

The cost for 2 adults without children is $11,381, that's $5690.50 per adult or $474.20 per adult per month in higher taxes to pay for Government "free" universal health care. Right now my employer pays $465 and I pay $64 which will drop to $32 a month once I lose weight and fit into their "health" matrix. Where's the extra money in my pocket? Looks like a windfall for employers though.

 

Is this what you have

https://cache.hacontent.com/ybr/R516/03349_ybr_ybrfndt/downloads/MEDSPD7835174.pdf

 

Sorry, I can't view .pdf's.

Universal Health Care at it's finest.

 

Healthcare insurance is an exact science. It is a numbers game. Remove regulation and permit competition and it will be affordable just like it used to be. If the price of computers has become affordable.....so can healthcare insurance.

 

You have a bit of research to do on your bullet points.

Insurers are required to refund any premiums paid that 80% of did not cover actual services. That means they have 20% of the premiums to apply to overhead, inclusive of payroll, administration and regulatory costs.

While services covered are based on medically acceptable practices, the percent of coverage is determined by the plan purchased. You will be changing out 'accountants' (wrong, but for example sake) for government bureaucrats. Do you actually think that is better?

Patients without insurance can be treated at the ER .

Paying for uninsured individuals at the time of service, via increased costs to the insured, is less expensive than providing insurance, which is not healthcare, and may or may not be used.

Universal healthcare 'covers' everyone, but not everyone contributes to the cost. Also, access is not immediate, and has been know to extend wait times for even the most basic of needs.

Personal costs for who? Someone is paying for it, and paying for those who do not contribute to it.

Deductibles are a method of having skin in the game, which helps prevent abuse of the system.

Where does the government get the money to fund Universal Healthcare? Taxes, so no matter if you pay a premium, or higher taxes, those who work will still be paying for it, and those who don't work, will not.

The 'profits' will be shifted to the government for administrative costs, and if you think the additional taxes collected will be protected from pilfering, then your blind trust in the government will be your downfall.

 

Interesting figures. Can you give us a comparison for how much our present dysfunctional system is costing American families? I'll bet it's a lot more.

 

1. I've never experienced having any health insurance company refund any premium monies to me personally. Your post may be legally accurate, but how does that help anyone if the insurance companies keep the money?
2. Not better if the government bureaucrats end up doing precisely the same thing the insurance bureaucrats are doing to us now. I'm hopeful the Congress will include a law making medical doctors legally responsible for making treatment decisions instead of accountants anywhere.
3. Yes, and that becomes a major added expense tacked onto the costs of medical care for all the rest of us. Universal healthcare would be cheaper simply because normal medical care is less expensive than ER care.
4. Your post here is a good reason why Universal healthcare access would benefit everyone by eventually making health insurance obsolete & unnecessary. That reduces personal costs.
5. Not everyone contributes to our current system either, & it costs more than Universal healthcare would simply by reducing insurance company profits. There are ways to make everyone contribute for the benefit of all.
6. We are doing that now, so what's the difference, other than under Universal healthcare everyone will have access to medical care, & that would benefit the entire country.
7. Deductibles can be (& currently are) a barrier for older people & poor people who need medical attention. If healthcare is a natural right, then anything that prevents access to healthcare is in conflict with our human rights.
8. Taxes would be the sensible way to fund universal healthcare, but if profits are excluded, the final cost should be less for everyone.
9. I don't have any "blind trust" in government either. But I know insurance companies practice systematic "pilfering" all the time, so I don't fear government management any more than I fear private company management. Indeed, I expect it to be an improvement.

 

yep. exactly, which is why we do not want government run healthcare

we want medicare for all and private healthcare

 

I do understand why republican do not want gov run medicare though, we have seen what republicans do in republican states with their death panels

and then there is this

"Trump Official Says Diabetes a Preexisting Condition Not Worthy of Coverage"

https://insulinnation.com/living/tr...t-a-preexisting-condition-worthy-of-coverage/

 

I pay a ton, as long as my taxes went up less than I currently pay, and coverage as good or better, no issues

and if I choose to keep private and can write off an amount with proof of coverage, all for that, that is why I support a public option

what I do not want is a government option that covers 80% and I still have to buy private coverage for the 20%, as ins coverage would cost same as ins corps are greedy - just ask any elderly person with medicare and a private plan to cover the 20%

 

Unless someone wants an abortion right?

 

It's probably the equivalent if one has an Obama Care plan. I have a plan through my employer where I pay $64 a month, the rest is earned in my compensation package ($465 a month). That works out to about what a single person pays in Canada. Except I didn't have to wait 38 weeks to get my hip replace, from start to surgery was 14 weeks. I work hard to have a Cadillac health plan, anyone else that would rather have that instead of the Government system already in place can go work hard to get what I have. Same cost worse care isn't a good deal to me.

 

This company has received those refunds, and the are refunded to the employees pro rata. Perhaps you should speak to your company about this and ask them if they retained the refunds.

They will, of course, make decisions based on value. Would a heart transplant be a value in a 80 year old? I also believe they will go the unfortunate rout of rationing. Talk to someone who has UHC or NHC, and they will tell, rationing does exist.

But you miss the point. Paying into a pool, doesn't mean the person is actually receiving healthcare. If they go to the ER , the are receiving actual health care. That's the difference.

The costs aren't going to disappear... the government has overhead costs, sometimes at hire levels than the private sector, If you want to see how messed up government can be, visit a DMV the day before a major holiday.

That last sentence is a bit ominous. Read it a few times to yourself. Then tell me how you think that can happen.

Everyone already does have access to healthcare, you just don't like the method of access.

Hmm. Those deductibles for older people that are so prohibitive, that would be the deductibles put in place by the government program of Medicare. The low/no income people are usually on Medicaid. That would be another government run program.

So once again, those who work to support themselves, need to work harder and longer, to support those who do not work, or work minimally. You and I will never agree on that subject. Health care is not a 'natural right'. That's something you seem to overlook.

I don't expect it to be an improvement, because with the government running it, they have no competition, therefore no reason to worry about what they charge a captive audience. Also, if insurance declines to pay for something, you can still go and have it done, at your own cost. If the government controls it, they control you, which was highlighted by several well publicized events in the UK recently. There are no other options once the government makes the decisions, controls who gets what, or doesn't, and how much it costs.

 

I admire your ability to read their minds. I grew up on Welfare and have a lot of experience. When I broke my leg, I was told to elevate my leg to increase circulation and alleviate pain. When I went to my appointments, I had to be there by 8am and sit in pain for several hours before seeing a doctor. Sometimes it was as late as 4pm. If I missed my name being called, they wouldn't see me that day, so I couldn't leave to eat. Too bad you weren't there to remind me how much I loved sitting on a wooden bench in pain.

 

and? People wait for hours with private insurance as well. Broken bones, unless protruding through the skin, are not emergencies. The facts remain. Single payer systems provide better care at a fraction of the cost ours does.

 

https://findahealthcenter.hrsa.gov/

There are two separate but not equal systems. If your in Medicaid (MediCal in Calif), you have to be seen specific doctors and facilities. Most likely not the ones you'd like go to or the most convienient. I think that's what rubs them the wrong way. Why should WE get excellent service quickly when we work for our health insurance and they have to wait because they don't work for theirs but want the same service. Universal Health Care gives crappier health care to folks that work hard for better care now, and more expedient care for those that don't or won't work for theirs. It's typical class envy, they want what you have without working for it.

 

You are incorrect. My private insurance had a 30 minute policy posted in the waiting room. My kids had the same pediatrician for many years and we never had to wait for an appointment. My rates have doubled and I have to wait months for an appointment. The cost per patient is going up.

 

News Flash!!! there is no such thing as Obamacare insurance. The ACA governs all insurance private or group insurance. Obamacare is a name the democrats gave the ACA when they thought it was wonderful, after the truth of what a piece of crap it was came to realization then they tried to blame republicans for calling it Obamacare.

All employer plans are subject to "Obamacare" only those plans over 50 lives that self insure can operate outside of the ACA or AKA Obamacare. There is no such thing as Obamacare insurance, it is laws governing the plans. No one pays a premium to Obama, everyone who says they have Obamacare pays an insurance company for that coverage. Semantics maybe but I run in to people every day that think they can go online and buy Obamacare from the government. ( and if you could, can you imagine the crap a plan designed by democrats would be)

 

To save a life? Yes, one of the most basic functions of government is to protect people from murder.

 

How does a govt mandated pelvic exam or an ultrasound do that?

 

I vehemently disagree that Americans want the most expensive healthcare in the world which is FAR FROM BEI NG THE BEST.Where our third leading cause of death is MEDICAL ERRORS???We do not get anywhere close to what we pay for.We need to BAN any and all lobbyists who lobby on behalf of drug or medical device or doctor or hospital organization.Our entire medical related industry is more crooked than Lombard St.

 

I thought you were objecting to pro life legislation.

Never mind.

 

Would you explain this statement?

 

your private insurance does not have a time limit policy.

Hence this system is unsustainable. We need to join the rest of the civilized world and adopt single payer. It provides better care at a fraction of the cost.

 

Ok? You agreed with everything you quoted of mine.