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Discuss what's fucking going on, and which programs are best and worst. One-time "program" announcements from "established" webmasters are allowed. |
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#1 |
www.EngineFood.com
Industry Role:
Join Date: Aug 2006
Posts: 5,697
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Health Insurance Renewal Notice Came Today
Was paying 930ish per month, the insurance carrier is offering to renew the same exact plan for $1200ish a month this year. Raising rates 25% in this economy shows how bad the health care system is in this country for the people who can afford health insurance.
Keep in mind, that's a plan that still requires co-payments for medical care and prescriptions while offering absolutely no dental coverage. Even if you take the uninsured entirely out of the equation, the status quo is seriously failing to provide care. ![]() |
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#2 |
Ik ben een aap
Industry Role:
Join Date: Sep 2002
Location: Traffic Force Towers, Canada!
Posts: 18,874
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$1200 every damn month for Health Insurance?? WOW. Sometimes don't realise how lucky I am having free health care.
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#3 |
www.EngineFood.com
Industry Role:
Join Date: Aug 2006
Posts: 5,697
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That's if I just get insurance for (2) individuals. If I choose the family plan it goes as high as $1,800 per month. Living in New York always costs more, but 1-2K per month to be able to see Doctors without fear is absurd.
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#4 |
Damn Right I Kiss Ass!
Industry Role:
Join Date: Dec 2003
Location: Cowtown, USA
Posts: 32,409
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Mine went from $913 to $998...
Back in 2003 it was $478... Back in 1998 it was $318... And yes, back then I thought it was gouging me... Now I feel like I am getting gang raped my apes. |
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#5 |
Rebel Girl
Industry Role:
Join Date: Jun 2003
Location: The Island Of Misfit Toys
Posts: 3,264
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thats insane. I would be screwed if I didnt get health insurance through my job. Having pre existing health conditions and health insurance is a bitch.
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#6 |
Confirmed User
Join Date: May 2009
Location: Boston
Posts: 409
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We don't need reform. All is well with the insurance in America...I mean who can't afford 1200 a month for 2 people? Which probably doesn't include any out of pocket or anything...
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#7 |
Outside looking in.
Industry Role:
Join Date: Feb 2005
Location: To Hell You Ride
Posts: 14,243
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That is nuts. I pay around $400 here. I'd go insurance shopping and see who can beat that. Mine is thru esurance and the car is with them too so maybe I get a discount.
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#8 |
too cool for highschool
Join Date: Nov 2005
Location: East side, West side, Worldwide!
Posts: 12,164
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free healthcare here...
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#9 | |
www.EngineFood.com
Industry Role:
Join Date: Aug 2006
Posts: 5,697
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Quote:
The biggest benefit of a national health coverage plan is that costs become spread over 300 million people rather than the 30,000 or 100,000 that happen to signup for a particular plan offered in a regional market by a private insurance carrier. My insurance is through Oxford and is a very good policy (as compared to what else exists). It does not cap catastrophic coverage, check your policy and you'll probably see it has a hard cap of a million dollars per year on it in the fine print... a million dollars can go by very quicky in an emergency room... |
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#10 | |
So Fucking Lame
Industry Role:
Join Date: Jun 2009
Location: St. Petersburg, FL
Posts: 12,156
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Quote:
They like to scream socialism but wanted to vote into the vice president's office the most socialist (former) governor in the U.S. What other state returns the profits from private companies to their citizens in check form? If you guessed Alaska, you get a cookie! |
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#12 |
Confirmed User
Industry Role:
Join Date: Sep 2002
Location: chicago, il
Posts: 3,987
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We pay $1600 mo for two people
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#13 | |
Confirmed User
Join Date: Dec 2006
Location: Las Vegas, NV
Posts: 968
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Quote:
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Donovan Trent |
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#14 |
lurker
Industry Role:
Join Date: Aug 2002
Location: atlanta
Posts: 57,021
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how else are they going to make a billion dollars profit in one quarter?
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#15 |
Confirmed User
Join Date: Oct 2001
Location: Scottsdale :)
Posts: 2,188
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Just changed my plan from very full coverage which was $1,200, to a higher deductible HSA. Premium is $300 a month and I'm putting $200 a month into the HSA.
Way too much money is spent on admin / underwriting / bill collection. My wife's doc his office is him, his medical assitant and 3 admin staff. So 75% of his staffing costs are taken up with people dealing with insurance company admin. Thats pretty stupid. |
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#16 | |
Confirmed User
Industry Role:
Join Date: Jul 2004
Location: Online
Posts: 2,661
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Quote:
???????????????????? $1,200 AMERICAN dollars???? Per month???????? Holy shit!!!! How the fuck can anyone survive over there??? FOr this you are covered for ALL expences? I pay for travel insurance, 1 year, for me and my wife... about $200. Unlimited health cover if something happends in the US. If we get sick in Norway - free....! Except visits to doctors... I cost $20. Medicines have a max. $250 year, max. The rest is free. Hell.... I have to sit down one day and think how lucky I am to live where I live.......
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#17 |
Registered User
Industry Role:
Join Date: Jul 2003
Location: Encrypted. Access denied.
Posts: 31,779
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That's fucking nuts.
I've WALKED into THREE different Thai, state of the art, hospitals (no appointments), had a CT scan, MRI scan, seen 2 neurologist, 2 ear nose and throat doctors and 4 general doctors, got several different meds, all for a little under $400. One of them even had western doctors working there. I went to two other places for 2nd and 3rd opinions on something. Had I not, it would have only cost me maybe $150 tops. You guys are getting ASS FUCKED in the western world. I'm shocked you slaves of the free world are not rioting in the streets. ASS FUCKED WITH NO LUBE!!!!! |
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#18 |
Confirmed User
Join Date: May 2009
Location: Boston
Posts: 409
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Quoted for truth!
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#19 |
Confirmed User
Industry Role:
Join Date: Jul 2007
Location: Thailand
Posts: 2,512
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I pay $130 for an insurance that covers me worldwide.... excluding the US.
If I am in the US they won't cover, I have to take a travel insurance ![]() |
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#20 | |
Confirmed User
Join Date: Apr 2003
Posts: 897
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Quote:
healthcare is never free... your paying for it... whether you like it or not... taxes love u
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#21 |
Confirmed User
Industry Role:
Join Date: Jul 2007
Location: Thailand
Posts: 2,512
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#22 |
Ik ben een aap
Industry Role:
Join Date: Sep 2002
Location: Traffic Force Towers, Canada!
Posts: 18,874
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#23 |
Confirmed User
Join Date: Jul 2003
Posts: 2,109
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wow, i knew people in states payed for health insurance but didn't know how much, $900-$1200 A MONTH !????????????????????????!!!!!!!! that's like a mortgage payment or a sick car lease payment right there, WOW... you guys definitely need free health care system, EVEN if you have to pay abit more taxes...
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#24 |
In Tushy Land
Join Date: Oct 2002
Location: Nebraska
Posts: 40,149
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wow i pay around $1500-$1600 a YEAR
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#25 |
I'm here for SPORT
Industry Role:
Join Date: Jul 2001
Location: Phone # (401) 285-0696
Posts: 41,470
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that's insane
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#26 |
Confirmed User
Join Date: Jan 2003
Posts: 939
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CRAZY info. Centralized govt health care rocks.
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#27 |
Confirmed User
Industry Role:
Join Date: Jan 2002
Location: AZ
Posts: 6,319
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Mine is $218/month for my wife and I in az for ppo 2500
They wont cover anything to do with a previous surgery on my wife,if her problem re-occurs i have to pay for everything. Wish it was cheaper =) |
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#28 |
www.EngineFood.com
Industry Role:
Join Date: Aug 2006
Posts: 5,697
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That's the thing. If it were 1,200 per month and covered 100% of all medical expenses it would be a pretty good deal and I would not complain because my taxes are lower now than they would be with 'free' healthcare.
However, in reality, on top of the monthly payment I ALSO pay 30-50 dollars for doctor visits, 50-100 dollars for prescriptions, pay 100% for any dental work..... And worst of all, if I ever get very sick and the bills are in the millions, the insurance company can deny the charges and make me sue them to get the bills paid... unless I die while fighting them or go bankrupt and can no longer continue to sue them. Thankfully I am healthy and hopefully this system will get fixed before I am not. |
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#29 |
Confirmed User
Industry Role:
Join Date: May 2007
Posts: 7,348
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That is insane! Our system is fucked.
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#30 |
Too lazy to set a custom title
Industry Role:
Join Date: Jul 2001
Location: Currently Incognito
Posts: 13,827
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Ours has a $2k deductible (per person), I'm not sure what the total monthly cost is, prob around $400. No dental or eye care. $200 emergency co-pays, pill co-pays, $50 per normal doctors visit.
We easily spend $8k-$10k a year, roughly $750-850 a month.
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#31 | |
www.EngineFood.com
Industry Role:
Join Date: Aug 2006
Posts: 5,697
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Quote:
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#32 | |
Too lazy to set a custom title
Industry Role:
Join Date: Jul 2001
Location: Currently Incognito
Posts: 13,827
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Quote:
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#33 | |
Troll Patrol
Industry Role:
Join Date: Aug 2002
Location: Local Socal
Posts: 15,214
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Quote:
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"WTF, on google you can find the answer to every question in human history, EXCEPT how to convert cams..
Its crazy..." VenusBlogger |
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#34 |
Confirmed User
Industry Role:
Join Date: Sep 2002
Location: chicago, il
Posts: 3,987
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I don't care what coverage you have, if you get REALLY sick...you're fucked and in the poor house
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#35 |
Ah My Balls
Industry Role:
Join Date: Feb 2007
Location: Under the gold leaf ICQ 388-454-421
Posts: 14,311
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once all you sheep stop thinking "insurance = care" the better off the rest of us would be.
Get rid of health insurance all together and we all would be much better off. ![]()
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#36 | |
Ah My Balls
Industry Role:
Join Date: Feb 2007
Location: Under the gold leaf ICQ 388-454-421
Posts: 14,311
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Quote:
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#37 | ||
Too lazy to set a custom title
Industry Role:
Join Date: Jul 2001
Location: Currently Incognito
Posts: 13,827
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Quote:
Quote:
You have a point though we should just change over. The Gov should step in and 100% regulate the industry and force market costs, force doctors costs, force malpractice costs, total forced regulation across the board. That's a really smart thing, poor people that don't have any money now and are provided for already, can simply fork up the $400.
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#38 | |
www.EngineFood.com
Industry Role:
Join Date: Aug 2006
Posts: 5,697
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Quote:
Your health insurance company says it's your auto policy, auto says it should be health and people fall through the cracks. Medical care is not a luxury, it is a necessity. |
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#39 | |
Ah My Balls
Industry Role:
Join Date: Feb 2007
Location: Under the gold leaf ICQ 388-454-421
Posts: 14,311
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Quote:
![]() And that is exactly what any government plan is going to lead to.
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#40 |
Confirmed User
Join Date: Nov 2003
Location: New Joisey
Posts: 3,087
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Mine is $110 for 2 people (dental is extra) and it is really amazing.
Then i talk to my freind who works in a major hospital here in NJ and she tells me the hospital is barely able to keep it doors open due to all the charity care they are giving out to illegals, she said its destroying the hospitals here in NJ ( and im sure elesewhere) So guess who gets to pay for all that charity care, now i understand why i pay $1100 a month for insurance and i dont like it 1 bit
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#41 | |
Troll Patrol
Industry Role:
Join Date: Aug 2002
Location: Local Socal
Posts: 15,214
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Quote:
__________________
"WTF, on google you can find the answer to every question in human history, EXCEPT how to convert cams..
Its crazy..." VenusBlogger |
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#42 |
Confirmed User
Industry Role:
Join Date: Mar 2004
Location: Australia/Asia
Posts: 921
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And here I am bitching at paying $90pm for one person Private Health Insurance, that covers dental, optical, Ambulance, Chiropractic & private hospital, heh.
-N
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#43 |
Join The Royal Family
Join Date: Apr 2002
Posts: 25,463
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Wow that is crazy
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#44 |
Confirmed User
Join Date: Dec 2003
Location: 1123,6536,5231
Posts: 3,397
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They tried to raise mine 35%. I have not gone to the doctor in 5 years. So I said fuck it, going naked. They lost me for life for being greedy.
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#45 |
So Fucking Banned
Industry Role:
Join Date: Oct 2002
Location: Mesosphere
Posts: 2,926
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I'm amazed no one has mentioned the drug companies and insurance companies spending over two million dollars A DAY to lobby congress and to pump out propaganda against universal coverage.
The US spends more on health care than any country on the planet yet we are 30th in life expectancy and republicans see nothing wrong with this picture. One of the huge reasons healthcare is more here is the drug companies charge up to 5x more for drugs here than anywhere else, other countries have put a cap on what drug companies can charge, whereas the US does nothing. Its all about money and profits at the expense of peoples lives and republicans fight tooth and nail to keep the corruption going. Anyone that defends the right wing bullshit is either getting rich from health care or a complete fucking retard that should be banned from voting. |
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#46 |
Confirmed User
Join Date: Feb 2005
Posts: 467
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Do you need health insurance if you don't own anything? What do poor people get by with?
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#47 |
Confirmed User
Join Date: Oct 2002
Location: Australia
Posts: 3,012
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The good thing about government run health care is that we don't have to pay for the insane profit gouging you have over there. You want the benefits of private, you can still get insurance that coveres you for most things (I have pretty comprehensive cover at $80/mo).
Its just beyond reasoning that such a wealthy country can't even provide tax funded healthcare for its people or keep the out of control healthcare industry in check. Last time I was over there I needed some pills which cost me $18aud a pack here (full price). $130 later... |
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#48 | |
www.EngineFood.com
Industry Role:
Join Date: Aug 2006
Posts: 5,697
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Quote:
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#49 |
Biz Dev and SEO
Industry Role:
Join Date: Jun 2005
Posts: 15,175
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those are insane rates! i pay like $50/month for the same service here...
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#50 | |
Troll Patrol
Industry Role:
Join Date: Aug 2002
Location: Local Socal
Posts: 15,214
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Quote:
__________________
"WTF, on google you can find the answer to every question in human history, EXCEPT how to convert cams..
Its crazy..." VenusBlogger |
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