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Expert
Posts: 1207
 
| I bet you would be surprised as to really how many do not have insurance. The Government puts out untrue stats on this stuff, just like on the economy getting better. I qualified for Medicare this year. Don't know if that's good or bad but I still had to get a supplemental policy along with it. |
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 Accident Prone
Posts: 22277
  
Location: 100 miles from Nowhere, AR | I've been shopping for insurance and it's ridiculous. Comparable coverage to what we have now, is going to be $921/month for the 4 of us. That's about a 30% increase over the large group HMO plan we're on, and the only advantage is more flexibility with providers and facilities. Our mortgage is only a few dollars more. There were some plans available that sounded pretty good to me for $300-400/month, but they don't qualify for the ACA, so we'd be buying insurance AND paying the fine.
Having had a $210,000 hospital bill from a non-preventable illness and a couple of other big ones from injuries, as well as an extremely strong family history of breast cancer, I'm scared to go without. |
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"Heck's Coming With Me"
Posts: 10794
Location: Kansas | My deductible went from $1000 a year to $6400 a year. Thanks Obama for another one of your crank schemes that goes right along with beating ISIS to death with solar panels.
Edited by Frodo 2015-12-16 1:31 PM
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I Really Love Jeans
Posts: 3173
Location: North Dakota | We are a family of 6 and for health and dental insurance we pay $1240 a month with a 16000 deductible! We thought about dropping it all together but this year our daughters appendix ruptured and the hospital charged our insurance $135,000.00 to remove it and keep her in the hospital for 5 days!! I am afraid someone will get really sick and a six figure medical bill would destroy us!!!!!!!!!! Obama care inflated the price of insurance to the point that it is legal robbery of the people who pay! It would be cheaper and we would have a better life if we all stopped working and got on welfare and WIC!!!! Lol our insurance was $385 a month before Obama care it is almost $1000 more a month now!! |
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 Elite Veteran
Posts: 974
Location: In the wrong place at the wrong time | I don't have health insurance. I can't afford it. We are barely making ends meet. My husband lost his business and can't find a job.
At 52 it's really scary not to have it but nothing we can do about it. |
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 How freakish is that?
Posts: 3927
Location: Oregon | Cisco6340 - 2015-12-16 3:36 PM I don't have health insurance. I can't afford it. We are barely making ends meet. My husband lost his business and can't find a job. At 52 it's really scary not to have it but nothing we can do about it. What state do you live in? Really for low income people in the right states you can get cheap insurance. For everyone else it totally sucks.
And the healthcare.gov website works fine. I've done the sign up for several people and even though it's kind of complicated it works. Whoever said it didn't work obviously never tried it. You can PM me if you need help.
Edited by crapshooter 2015-12-16 6:53 PM
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Common Sense and then some
Location: So. California | Have insurance through employment. Luckily mine is primarily covered by employer. After two friends had serious illiness/infections - $700K + each in hospital bills; one had insurance, and her final tally out of pocket was $30K, the other, partially covered - her out of pocket over $100K... Insurance is on my must have list. |
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Veteran
Posts: 150
| We went with Christian Healthcare Ministries, they do cover pre-existing to an extent if you join at top level. Wonderful ppl. |
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 I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | Sandok - 2015-12-16 1:16 PM I bet you would be surprised as to really how many do not have insurance. The Government puts out untrue stats on this stuff, just like on the economy getting better. I qualified for Medicare this year. Don't know if that's good or bad but I still had to get a supplemental policy along with it.
Our government has been pushing for a one payer deal for everyone and I really believe Obamacare was set up to fail to force everyone on the one payer system.
My husband has been on Medicare for 4 years and hasn't had any problems with it at all and I went on it last January. For Medicare, a supplement and drug plan it costs us a little over $600.00 a month. I have to say it does beat what I was paying for catastrophic insurance. I can now afford to go to the doctor.
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Accident Prone
Posts: 22277
Location: 100 miles from Nowhere, AR | cowpatty - 2015-12-16 7:00 PM We went with Christian Healthcare Ministries, they do cover pre-existing to an extent if you join at top level. Wonderful ppl.
I thought all policies had to cover pre-existing conditions now and that's part of the reason why it now costs more. |
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Elite Veteran
Posts: 629
| crapshooter - 2015-12-16 1:53 PM
OutlawsLastDance - 2015-12-16 10:41 AM I too am curious about the penalties. My husband and I are DINK's so on paper, we make "a lot". Last year, my dad got sick in April, diagnosed with terminal cancer in June and died in October. My husband and I supported my parents almost all year because of my dad's illness and inability to work before he started collecting disability (only received 2 months, $700 total). We tried to claim my mom as a dependent on our taxes to reduce our tax liability (just like if we had a child) but because she didn't have health insurance paying her "penalty" for not having insurance would have cost more than it saved us in taxes, so we just filed as the two of us, and paid our taxes. Worked out to about $1000 "fine" for her not having insurance. But, she made no money all year, because she hasn't worked in 30 years, and she didn't pay the fine.
What state do you live in?
I live in NC |
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How freakish is that?
Posts: 3927
Location: Oregon | OutlawsLastDance - 2015-12-16 6:05 PM crapshooter - 2015-12-16 1:53 PM OutlawsLastDance - 2015-12-16 10:41 AM I too am curious about the penalties. My husband and I are DINK's so on paper, we make "a lot". Last year, my dad got sick in April, diagnosed with terminal cancer in June and died in October. My husband and I supported my parents almost all year because of my dad's illness and inability to work before he started collecting disability (only received 2 months, $700 total). We tried to claim my mom as a dependent on our taxes to reduce our tax liability (just like if we had a child) but because she didn't have health insurance paying her "penalty" for not having insurance would have cost more than it saved us in taxes, so we just filed as the two of us, and paid our taxes. Worked out to about $1000 "fine" for her not having insurance. But, she made no money all year, because she hasn't worked in 30 years, and she didn't pay the fine. What state do you live in? I live in NC
Edited by crapshooter 2015-12-16 8:23 PM
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 Famous for Not Complaining
Posts: 8848
Location: Broxton, Ga | Nevertooold - 2015-12-15 1:09 PM
Most people that are paying for health insurance don't have health insurance...paying over $500.00 a month for one person with a $6,000.00 deductible is not health insurance...it's catastrophic medical insurance. This is nothing but a redistribution of wealth.
Exactly........aka transformation of America. I want to throw up every time I think of this BS affordable healthcare. |
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Regular
Posts: 80
Location: Oregon | Did you recently use it and sign up? We had to go to an insurance agent on monday and do it there. They could get us in the system to beat the Dec 15th deadline for a January 1 start date, but the site was not working. They then called us back and said we have to go back in to the office Monday the 28th to complete part of the process. There was a message on the screen when we submitted the application that says "there may be a delay in submission today". It is not a well run system in my opinion. |
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  Sweet Tea
Posts: 3496
Location: Home of the World Famous "Silver Bullet" | Our family has no Ins. Can't afford it. |
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 I Don't Brag
Posts: 6960
| I still have the catastrophic plan that I had before. But now it covers less and medical costs have gone WAY up. I cracked a wrist and went to the ER. Expected to pay about $1000 to cover it, but AFTER the insurance company's negotiated rate it was $3600-3800! It was like$1600 just for the doctor (which does not include facilities or cost of medical supplies, x rays, nurses, etc.) All that he did was look at my x ray, tell the nurse to write a script for pain meds (which I really didn't need), and instructed HER to put on a temporary cast. Oh yes and he charged $600 to slap a little super glue on the abrasion.
It took 6 months for me to get a bill and I started paying them $200 a month ( I was/am piffed off and am not in a hurry). 3 or 4 months of payments and they sent me a letter threatening to turn my account over to collections!! I had originally planned on paying $50 a month. Boy, was I hot! I called them up and told them that they should be ashamed for what they charged. The Orthopedist they sent me to only charged my $500 to do every thing they did!!! She then offered to set me on a 3 , 6 or 9 month payoff plan. I only owed 750 at the time???? Was my $200 not enough????? I SHOULD have gone for the 9 month plan!! I blew up at her about harassing someone who was actually paying her bill.
Next time I will go to the chiro and get it x rayed and make a cast out of a brace and vet wrap!! And do as good a job as they did.
Since my deductible is $5000, it has all come out of pocket....and my rate goes up another $40 after the first of the year. GRRRRRRRR!!!
Affordable health care my Grandma's patootie!
Edited by rodeoveteran 2015-12-16 9:57 PM
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Veteran
Posts: 150
| Its actually not insurance but a healthcare cost sharing ministry. A whole different thing But great imo. You can look them up online |
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How freakish is that?
Posts: 3927
Location: Oregon | Buckwheat - 2015-12-16 7:40 PM Did you recently use it and sign up? We had to go to an insurance agent on monday and do it there. They could get us in the system to beat the Dec 15th deadline for a January 1 start date, but the site was not working. They then called us back and said we have to go back in to the office Monday the 28th to complete that part of the process. There was a message on the screen when we submitted the application that says "there may be a delay in submission today". It is not a well run system in my opinion. A couple of weeks ago. Probably got overloaded close to the 15th. Definitely not a great system.
Edited by crapshooter 2015-12-16 10:50 PM
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 Elite Veteran
Posts: 927
Location: Iowa | We have to have it because we own land. I chose my employment based on insurance coverage. I don't think I could sleep at night without it. I wouldn't feel right going into a medical situation having to make payments to get it paid off and still own horses trucks and trailers. |
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 Expert
Posts: 3782
Location: Gainesville, TX | So glad to have insurance through my employer. I work for the state and they pay mine. When I talk to people I feel like one of the few who has a reasonable deductible at 1500. |
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Folks on-line