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Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.

 
Anonymous Coward
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United States
07/10/2012 05:37 AM
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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
Stepdaddy could have purchased COBRA.
Anonymous Coward
User ID: 19328891
Canada
07/10/2012 05:38 AM
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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
Me too!

I'm Canadian!

It cost me $0.00 CAN... Should I convert that to US funds or do you get the picture?

What could I do with an extra $220? Hmm... Besides buying new commie... Err.. fatigues? Or whatever it is you're imagining goes along with national healthcare.

Canada... Come up and see us sometime ;)
 Quoting: Anonymous Coward 19328891


Doctors work for free in CAN?

Hospitals operate for free in CAN?




Nope. Free for parasites like you but the productive class pays. Enjoy your benefits and remember to thank the working people who pay for your freebies. Tard.
 Quoting: Anonymous Coward 10375739


wtf are you talking about? I pay my taxes. Our doctors do get paid. I am happy to contribute my fair share to the system and who knows, knock on wood that this never happens, but maybe one day I'll be in a bad spot in my career and come down with some awful disease, and at least I won't have to worry about how I'm going to pay my medical bills on top of everything else. Or I'll get lucky and never need that safety net. Geez you'd think on glp you'd understand the concept of prepping for possible negative contingencies you hope don't happen.

The question is, why are US citizens paying almost as much tax and getting squat to show for it? You really don't mind this?
 Quoting: Anonymous Coward 19328891


So there is no free healthcare in Canada? You said it was free...

dumbass.


>Me too!

>I'm Canadian!

>It cost me $0.00 CAN
 Quoting: Anonymous Coward 10375739


OP paid $215 ON TOP of his taxes which are not much lower than my own. And that was just for a simple fish hook!what do you pwy for knee replacement? Cancer treatment? Reconstructive surgery? Etc etc? And, you're STILL paying taxes too? Not just a little tax, you pay a LOT.

Should be one or the other. If healthcare is pay per use, taxes should not be collected.
Evil_Twin (OP)
Hellbilly

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07/10/2012 05:41 AM

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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
Wow! fish hook in the foot, that sucks

Glad you're ok my friend

hf
 Quoting: mathetes


Pretty sure it was a gift from Tropical Storm Debbie a couple weeks ago!

I've walked that stretch of beach for 40+ years and never seen fishing tackle abandoned. This looked like something washed in from offshore. It was a heavy hook and 80 or 100lb test line, buried in the sand at the high tide line.

I told a young guy about it today at work, and he says I should sue the City!

I said, "WTF!, you want to pay for 50 City employees to go sweep the beach with metal detectors every morning?"

All I got was a blank stare....
.

Anyone that doesn't love Moms, bacon, and dogs is clearly not human.
Anonymous Coward
User ID: 19328891
Canada
07/10/2012 05:42 AM
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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
The tetanus shot now contains the whooping cough vaccine too. So, you got a double whammy there. Also, I'd have turned down the x rays. A person without cash would do what I have seen many do . You push it thru and cut it out.
 Quoting: Anonymous Coward 529006


I have seen a lot of people limping in the US. It was shocking. For a nation that views itself the best in the world it treats uts own citizens like that.

Injured yourself and want to walk without a limp again? .... Ah but can you afford it?


F. That. S.
Anonymous Coward
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07/10/2012 05:42 AM
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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
The tetanus shot now contains the whooping cough vaccine too. So, you got a double whammy there. Also, I'd have turned down the x rays. A person without cash would do what I have seen many do . You push it thru and cut it out.
 Quoting: Anonymous Coward 529006


You can't push or pull out a barbed hook.
My son hooked my knee about 20 years ago.
I went to a walk in clinic back then it was around $50 to have it removed.
Anonymous Coward
User ID: 17338098
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07/10/2012 05:45 AM
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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
Don't forget those walk in clinics only handle MINOR injuries and illness. If you have something serious they will not treat you, they will hand you a piece of paper and refer you to the nearest ER or doctor's office to make an appt. Its happened to me for a ruptured ear drum!

Minor injuries and illness is not what costs thousands to millions of dollars. Its the major ones you don't see coming that screw you.

I even have a recent example to share. My stepfather was dealing with abdominal pain only about 7 weeks ago. He tried to shrug it off as much as he could because his company laid him off causing him to lose his health insurance. Well the pain became more than he could bare and he went to the ER. They had to take him to emergency surgery that night due to Diverticulitis. He now has a colostomy bag and hopefully will be able to go back in 2-4 weeks to have his intestines reattached. He received 2 bills from the hospital the first was $116,000 and the second was $126,000. He was in the hospital for 11 days and incurred 242,000 in debt. That does not even include the surgery to reconnect everything and the medical supplies that he has to buy due to his colostomy bag. This surgery was literally a do or die issue due to the infection from the rupture in his colon. He has been very healthy his entire life. Now just because of something that happened that he had no control over he is 1/4 of a million in debt and will be more if he is lucky enough to be able to have the second surgery so he does not have to live with the colostomy bag. Those walk in clinic can't do anything for these medical emergencies.

It can happen to anyone.
 Quoting: Anonymous Coward 17338098


Sorry for your Step Dad's luck, but it sounds like he did pretty good. He got a 1/4 of million worth of emergency care without laying out a penny.

So much for the myth of us letting people die in the street without insurance.
 Quoting: Evil_Twin


It is illegal to turn anyone away for healthcare. Hospitals can and do get sued for that type of thing.

Without laying out a penny? Just because they didn't require payment in full that day does not mean he does not have to pay it. Because he was ill...fatally ill, he is 1/2 million in debt today just to be alive! Even if he paid 700 a month on that bill it would take him 28 years to pay it off. Who even knows how much he will owe if he gets to have the 2nd surgery so he wont have to live the rest of his life with a colostomy bag. For someone who was laid off, lost their medical insurance and now CANNOT work due to his unexpected illness...where is he going to come up with the money to pay that? He has mortgage and other bills to pay too when the doctors are telling him if he is able to have the second surgery December is the very earliest he can return to looking for work. If he is unable to have this 2nd surgery it will be September when he can start looking.
Evil_Twin (OP)
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07/10/2012 05:46 AM

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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
The tetanus shot now contains the whooping cough vaccine too. So, you got a double whammy there. Also, I'd have turned down the x rays. A person without cash would do what I have seen many do . You push it thru and cut it out.
 Quoting: Anonymous Coward 529006


That was my first thought, but was impossible, as I've already described in the OP.

The only way was to slice the toe open , which was the doctor's opinion as well.
.

Anyone that doesn't love Moms, bacon, and dogs is clearly not human.
Anonymous Coward
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07/10/2012 05:46 AM
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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
Stepdaddy could have purchased COBRA.
 Quoting: Anonymous Coward 529006


Do you know how much cobra payments are? When you have no job you usually cannot afford that extra a month. His was almost 500 a month if he wanted to do the COBRA joke.
Anonymous Coward
User ID: 19328891
Canada
07/10/2012 05:50 AM
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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
Don't forget those walk in clinics only handle MINOR injuries and illness. If you have something serious they will not treat you, they will hand you a piece of paper and refer you to the nearest ER or doctor's office to make an appt. Its happened to me for a ruptured ear drum!

Minor injuries and illness is not what costs thousands to millions of dollars. Its the major ones you don't see coming that screw you.

I even have a recent example to share. My stepfather was dealing with abdominal pain only about 7 weeks ago. He tried to shrug it off as much as he could because his company laid him off causing him to lose his health insurance. Well the pain became more than he could bare and he went to the ER. They had to take him to emergency surgery that night due to Diverticulitis. He now has a colostomy bag and hopefully will be able to go back in 2-4 weeks to have his intestines reattached. He received 2 bills from the hospital the first was $116,000 and the second was $126,000. He was in the hospital for 11 days and incurred 242,000 in debt. That does not even include the surgery to reconnect everything and the medical supplies that he has to buy due to his colostomy bag. This surgery was literally a do or die issue due to the infection from the rupture in his colon. He has been very healthy his entire life. Now just because of something that happened that he had no control over he is 1/4 of a million in debt and will be more if he is lucky enough to be able to have the second surgery so he does not have to live with the colostomy bag. Those walk in clinic can't do anything for these medical emergencies.

It can happen to anyone.
 Quoting: Anonymous Coward 17338098


Sorry for your Step Dad's luck, but it sounds like he did pretty good. He got a 1/4 of million worth of emergency care without laying out a penny.

So much for the myth of us letting people die in the street without insurance.
 Quoting: Evil_Twin


It is illegal to turn anyone away for healthcare. Hospitals can and do get sued for that type of thing.

Without laying out a penny? Just because they didn't require payment in full that day does not mean he does not have to pay it. Because he was ill...fatally ill, he is 1/2 million in debt today just to be alive! Even if he paid 700 a month on that bill it would take him 28 years to pay it off. Who even knows how much he will owe if he gets to have the 2nd surgery so he wont have to live the rest of his life with a colostomy bag. For someone who was laid off, lost their medical insurance and now CANNOT work due to his unexpected illness...where is he going to come up with the money to pay that? He has mortgage and other bills to pay too when the doctors are telling him if he is able to have the second surgery December is the very earliest he can return to looking for work. If he is unable to have this 2nd surgery it will be September when he can start looking.
 Quoting: Anonymous Coward 17338098


I just think it is flat out insane that after all he's been through, now he has this massive debt over his head. It's effing ridiculous. I bet between the stress of not knowing how you're going to pay your bill, and cutting back on needed services to try to save money here and there, your recovery rates for serious diseases must be way lower than ours. I couldn't imagine worrying about a giant hospital bill thats goung to ruin the whole family finances, while I'm busy fighting for my life...
Evil_Twin (OP)
Hellbilly

User ID: 14319721
United States
07/10/2012 05:56 AM

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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
Stepdaddy could have purchased COBRA.
 Quoting: Anonymous Coward 529006


He could have purchased Blue Cross/Blue Shield for under $50 per month.
.

Anyone that doesn't love Moms, bacon, and dogs is clearly not human.
Anonymous Coward
User ID: 17338098
United States
07/10/2012 06:02 AM
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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
Don't forget those walk in clinics only handle MINOR injuries and illness. If you have something serious they will not treat you, they will hand you a piece of paper and refer you to the nearest ER or doctor's office to make an appt. Its happened to me for a ruptured ear drum!

Minor injuries and illness is not what costs thousands to millions of dollars. Its the major ones you don't see coming that screw you.

I even have a recent example to share. My stepfather was dealing with abdominal pain only about 7 weeks ago. He tried to shrug it off as much as he could because his company laid him off causing him to lose his health insurance. Well the pain became more than he could bare and he went to the ER. They had to take him to emergency surgery that night due to Diverticulitis. He now has a colostomy bag and hopefully will be able to go back in 2-4 weeks to have his intestines reattached. He received 2 bills from the hospital the first was $116,000 and the second was $126,000. He was in the hospital for 11 days and incurred 242,000 in debt. That does not even include the surgery to reconnect everything and the medical supplies that he has to buy due to his colostomy bag. This surgery was literally a do or die issue due to the infection from the rupture in his colon. He has been very healthy his entire life. Now just because of something that happened that he had no control over he is 1/4 of a million in debt and will be more if he is lucky enough to be able to have the second surgery so he does not have to live with the colostomy bag. Those walk in clinic can't do anything for these medical emergencies.

It can happen to anyone.
 Quoting: Anonymous Coward 17338098


Sorry for your Step Dad's luck, but it sounds like he did pretty good. He got a 1/4 of million worth of emergency care without laying out a penny.

So much for the myth of us letting people die in the street without insurance.
 Quoting: Evil_Twin


It is illegal to turn anyone away for healthcare. Hospitals can and do get sued for that type of thing.

Without laying out a penny? Just because they didn't require payment in full that day does not mean he does not have to pay it. Because he was ill...fatally ill, he is 1/2 million in debt today just to be alive! Even if he paid 700 a month on that bill it would take him 28 years to pay it off. Who even knows how much he will owe if he gets to have the 2nd surgery so he wont have to live the rest of his life with a colostomy bag. For someone who was laid off, lost their medical insurance and now CANNOT work due to his unexpected illness...where is he going to come up with the money to pay that? He has mortgage and other bills to pay too when the doctors are telling him if he is able to have the second surgery December is the very earliest he can return to looking for work. If he is unable to have this 2nd surgery it will be September when he can start looking.
 Quoting: Anonymous Coward 17338098


I just think it is flat out insane that after all he's been through, now he has this massive debt over his head. It's effing ridiculous. I bet between the stress of not knowing how you're going to pay your bill, and cutting back on needed services to try to save money here and there, your recovery rates for serious diseases must be way lower than ours. I couldn't imagine worrying about a giant hospital bill thats goung to ruin the whole family finances, while I'm busy fighting for my life...
 Quoting: Anonymous Coward 19328891


Its been enough to bring him to his knees. The day the bills came in the mail my mom actually called me to come over due to the shape he was in after seeing the bills. He was only home from the hospital for 5 days when they got them in the mail. He actually questioned if he did the right thing with having the surgery. He constantly apologizes to the family for what he has "caused" for us when we have helped buy the medical supplies for his bag. It hurts me so bad to see the only father I have ever known apologizing for having a surgery that without he would have died. In fact, the surgeon told him he likely wouldn't have had a tomorrow if he hadn't come that night.
Anonymous Coward
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07/10/2012 06:17 AM
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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
Stepdaddy could have purchased COBRA.
 Quoting: Anonymous Coward 529006


He could have purchased Blue Cross/Blue Shield for under $50 per month.
 Quoting: Evil_Twin


Insurance plans are not cheap. Yeah, there are cheap ones but they cover very, very little and the deductibles are so high on those low monthly premium plans...to me the plan becomes pointless. I've shopped for myself recently because I want to leave my job but still have insurance. You should look at those $50 plans and see what you get with them.
I can tell you one thing...a privately purchased $50 plan is not paying for a surgery like this. You'll have a deductible of tens of thousands before they will even cover a percentage. And on a $50 a month plan you probably aren't even getting 1/2 of that covered. Not to mention the waiting periods on privately purchased insurance and the fact they can deny coverage or payment.

You know, after something like this happens people will say he could have done this, he could have done that. Fact of the matter is he was a healthy man and this came out of NOWHERE! Are you prepared if something like this should happen to you?

It really can happen to anyone!
12.21.12

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07/10/2012 06:38 AM
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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
bump
Anonymous Coward
User ID: 8392006
United States
07/10/2012 06:48 AM
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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
Perhaps that is why I had to pay 30,000 dollars for walk in surgery.
Thanks a lot...
Anonymous Coward
User ID: 19078950
United States
07/10/2012 07:03 AM
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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
Me too!

I'm Canadian!

It cost me $0.00 CAN... Should I convert that to US funds or do you get the picture?

What could I do with an extra $220? Hmm... Besides buying new commie... Err.. fatigues? Or whatever it is you're imagining goes along with national healthcare.

Canada... Come up and see us sometime ;)
 Quoting: Anonymous Coward 19328891


Doctors work for free in CAN?

Hospitals operate for free in CAN?




Nope. Free for parasites like you but the productive class pays. Enjoy your benefits and remember to thank the working people who pay for your freebies. Tard.
 Quoting: Anonymous Coward 10375739


You're not very bright, are you.
Anonymous Coward
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07/10/2012 07:04 AM
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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
Stepdaddy could have purchased COBRA.
 Quoting: Anonymous Coward 529006


Great Option!
My Health insurance went from $367.00 a month before being being laid off to 1079.00 on Cobra. My unemployment insurance was $1425.00 a month. Rent $750.00. Food???????
Evil_Twin (OP)
Hellbilly

User ID: 14319721
United States
07/10/2012 11:32 AM

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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
Stepdaddy could have purchased COBRA.
 Quoting: Anonymous Coward 529006


He could have purchased Blue Cross/Blue Shield for under $50 per month.
 Quoting: Evil_Twin


Insurance plans are not cheap. Yeah, there are cheap ones but they cover very, very little and the deductibles are so high on those low monthly premium plans...to me the plan becomes pointless. I've shopped for myself recently because I want to leave my job but still have insurance. You should look at those $50 plans and see what you get with them.
I can tell you one thing...a privately purchased $50 plan is not paying for a surgery like this. You'll have a deductible of tens of thousands before they will even cover a percentage. And on a $50 a month plan you probably aren't even getting 1/2 of that covered. Not to mention the waiting periods on privately purchased insurance and the fact they can deny coverage or payment.

You know, after something like this happens people will say he could have done this, he could have done that. Fact of the matter is he was a healthy man and this came out of NOWHERE! Are you prepared if something like this should happen to you?

It really can happen to anyone!
 Quoting: Anonymous Coward 17338098


I see...

In your mind, no coverage makes more sense than limited coverage which would have reduced his debt by 50% or so...
.

Anyone that doesn't love Moms, bacon, and dogs is clearly not human.
Anonymous Coward
User ID: 17338098
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07/10/2012 04:26 PM
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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
Stepdaddy could have purchased COBRA.
 Quoting: Anonymous Coward 529006


He could have purchased Blue Cross/Blue Shield for under $50 per month.
 Quoting: Evil_Twin


Insurance plans are not cheap. Yeah, there are cheap ones but they cover very, very little and the deductibles are so high on those low monthly premium plans...to me the plan becomes pointless. I've shopped for myself recently because I want to leave my job but still have insurance. You should look at those $50 plans and see what you get with them.
I can tell you one thing...a privately purchased $50 plan is not paying for a surgery like this. You'll have a deductible of tens of thousands before they will even cover a percentage. And on a $50 a month plan you probably aren't even getting 1/2 of that covered. Not to mention the waiting periods on privately purchased insurance and the fact they can deny coverage or payment.

You know, after something like this happens people will say he could have done this, he could have done that. Fact of the matter is he was a healthy man and this came out of NOWHERE! Are you prepared if something like this should happen to you?

It really can happen to anyone!
 Quoting: Anonymous Coward 17338098


I see...

In your mind, no coverage makes more sense than limited coverage which would have reduced his debt by 50% or so...
 Quoting: Evil_Twin



A $50 plan is not reducing his debt by 50%.

I actually looked it up and I am not even eligible for a $50 plan and he is older than I am by about 30 years, so his is going to be much more than mine just because of his age. The lowest plan I can get myself is $82.45 a month for an emergency only plan. That is a basic plan that does not cover doctor visits, specialist visits, diagnostic work, or prescriptions It covers 20% of an emergency medical visit after a $10,000 deductible. So with this plan he would have to pay well, well over half. And not even be covered for his second surgery, follow up visits, prescriptions or his visits to his surgeon. Would that be okay for you?

With that plan and a 242,000 hospital bill would go like this. 242,000 - 10,000 out of his pocket for deductible = 232,000. THEN they will pay 20% of that which is 46,000. So now we are at 232,000 - 46,0000 = 186,000 + don't forget he already had to meet a 10,000 deductible. So for the surgery only he would pay $196,000. PLUS he would have to pay all doctor visits, surgeon visits, diagnostic work and prescriptions. His prescriptions have not been cheap either! His second surgery would not be covered because it is not an emergency, so that would be full cost. So for my stepfather to live he is paying $196000 minimum and that is only if he never has to go to the doctor, have the second surgery OR take any prescription medications.

So no...limited coverage does not work in my mind. That might be okay for your family but it is not for mine.

I am sorry, but when your dad apologizes to you because of the debt he incurred for surgery when otherwise he would have died THEN you can talk to me about how "some coverage" is better than none, especially when it is still leaving him 200,000 in debt at very minimum.

From your OP it does not sound like you have insurance. Do you know how easily these things can happen? You had an emergency yourself. Luckily it was minor in a sense it did not require much to fix. What if something serious happened to you or a family member and you were uninsured or under-insured? How would you pay it? Most American's don't just have tens to hundreds of thousands sitting around waiting for things of this nature.

I am not a rude person and I don't mean to be rude. I think you need to research how privately purchased health plans really work because it does seem you are uninformed about the price of the plan and what they do/don't cover. There are waiting periods too, they make you start paying BUT you have to wait before you can even use the coverage on a lot of plans.

Here is a link that will quote you on medical insurance plans and what they cover. I think you will find that these plans are not good by any means until you get into the hundreds of dollars a month range.
[link to www.ehealthinsurance.com]
Evil_Twin (OP)
Hellbilly

User ID: 14319721
United States
07/10/2012 10:53 PM

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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
...


He could have purchased Blue Cross/Blue Shield for under $50 per month.
 Quoting: Evil_Twin


Insurance plans are not cheap. Yeah, there are cheap ones but they cover very, very little and the deductibles are so high on those low monthly premium plans...to me the plan becomes pointless. I've shopped for myself recently because I want to leave my job but still have insurance. You should look at those $50 plans and see what you get with them.
I can tell you one thing...a privately purchased $50 plan is not paying for a surgery like this. You'll have a deductible of tens of thousands before they will even cover a percentage. And on a $50 a month plan you probably aren't even getting 1/2 of that covered. Not to mention the waiting periods on privately purchased insurance and the fact they can deny coverage or payment.

You know, after something like this happens people will say he could have done this, he could have done that. Fact of the matter is he was a healthy man and this came out of NOWHERE! Are you prepared if something like this should happen to you?

It really can happen to anyone!
 Quoting: Anonymous Coward 17338098


I see...

In your mind, no coverage makes more sense than limited coverage which would have reduced his debt by 50% or so...
 Quoting: Evil_Twin



A $50 plan is not reducing his debt by 50%.

I actually looked it up and I am not even eligible for a $50 plan and he is older than I am by about 30 years, so his is going to be much more than mine just because of his age. The lowest plan I can get myself is $82.45 a month for an emergency only plan. That is a basic plan that does not cover doctor visits, specialist visits, diagnostic work, or prescriptions It covers 20% of an emergency medical visit after a $10,000 deductible. So with this plan he would have to pay well, well over half. And not even be covered for his second surgery, follow up visits, prescriptions or his visits to his surgeon. Would that be okay for you?

With that plan and a 242,000 hospital bill would go like this. 242,000 - 10,000 out of his pocket for deductible = 232,000. THEN they will pay 20% of that which is 46,000. So now we are at 232,000 - 46,0000 = 186,000 + don't forget he already had to meet a 10,000 deductible. So for the surgery only he would pay $196,000. PLUS he would have to pay all doctor visits, surgeon visits, diagnostic work and prescriptions. His prescriptions have not been cheap either! His second surgery would not be covered because it is not an emergency, so that would be full cost. So for my stepfather to live he is paying $196000 minimum and that is only if he never has to go to the doctor, have the second surgery OR take any prescription medications.

So no...limited coverage does not work in my mind. That might be okay for your family but it is not for mine.

I am sorry, but when your dad apologizes to you because of the debt he incurred for surgery when otherwise he would have died THEN you can talk to me about how "some coverage" is better than none, especially when it is still leaving him 200,000 in debt at very minimum.

From your OP it does not sound like you have insurance. Do you know how easily these things can happen? You had an emergency yourself. Luckily it was minor in a sense it did not require much to fix. What if something serious happened to you or a family member and you were uninsured or under-insured? How would you pay it? Most American's don't just have tens to hundreds of thousands sitting around waiting for things of this nature.

I am not a rude person and I don't mean to be rude. I think you need to research how privately purchased health plans really work because it does seem you are uninformed about the price of the plan and what they do/don't cover. There are waiting periods too, they make you start paying BUT you have to wait before you can even use the coverage on a lot of plans.

Here is a link that will quote you on medical insurance plans and what they cover. I think you will find that these plans are not good by any means until you get into the hundreds of dollars a month range.
[link to www.ehealthinsurance.com]
 Quoting: Anonymous Coward 17338098

I got it.

You'd rather that I pay for his surgery than he does.

Sweet.
.

Anyone that doesn't love Moms, bacon, and dogs is clearly not human.
Resister

User ID: 1461638
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07/10/2012 11:02 PM
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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
First off, we decided to go to the beach yesterday afternoon.

Strolling along the water's edge, and something snags my foot and nearly trips me.

I take a couple more steps and something doesn't feel right. There's something between my toes.

I step into the water to rinse the sand off my feet and take a look.

Fuck.

There's a big-ass fish hook buried in my second toe!

It's in deep! The point is jammed in against the knuckle!

I weigh my options...I could try and take it out myself, Rambo style....no, it's in at a bad angle with the shank against the sole of my foot and the point curved around the top of my toe and laying against the knuckle. Plus, the thing is rusty, and I haven't had a tetanus shot in about 15 years.

I then rule out going to the ER at the local hospital. That place is always jam-packed and I would be sitting in the waiting room for hours before anyone even looked at it. The last time I went in there, I sat for 8 hours, finally got 1 x-ray on my swollen, throbbing leg, sat for another hour, then they sent me home, saying they found nothing wrong and to just take it easy for a couple days. That visit cost me $1200 and they missed the broken tibia, which was finally diagnosed a month later. Fuck that place.

So, I decided to go to a privately run walk-in clinic.

I'd never been to this one, but know it can't be any worse than the ER.

Turns out, the clinic was excellent!

They were fast, friendly, and inexpensive!

I was in and out the door in less than 2 hours. They took x-rays from 4 different angles to determine exactly how the hook and barb were situated, , shot me up with a local anesthetic, eased that baby out, cleaned up the wound, gave me a tetanus shot, then sent me on my way with a 7 day supply of anti-biotics, all for a whopping $215!

Plus, since I paid in full, on the spot, they said that I can have a free follow up visit any time in the next two weeks, if I have any problems with it.

Then, they called me today to see how I was doing!

Totally pleased with my capitalist healthcare!!

dance
 Quoting: Evil_Twin


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Woot Woot

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Canada
07/10/2012 11:37 PM

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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
Evil - don't waste your time arguing with liberal Canuckistan. They're just not anchored in reality on most bread and butter issues.
Anonymous Coward
User ID: 17338098
United States
07/11/2012 01:16 AM
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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
...


Insurance plans are not cheap. Yeah, there are cheap ones but they cover very, very little and the deductibles are so high on those low monthly premium plans...to me the plan becomes pointless. I've shopped for myself recently because I want to leave my job but still have insurance. You should look at those $50 plans and see what you get with them.
I can tell you one thing...a privately purchased $50 plan is not paying for a surgery like this. You'll have a deductible of tens of thousands before they will even cover a percentage. And on a $50 a month plan you probably aren't even getting 1/2 of that covered. Not to mention the waiting periods on privately purchased insurance and the fact they can deny coverage or payment.

You know, after something like this happens people will say he could have done this, he could have done that. Fact of the matter is he was a healthy man and this came out of NOWHERE! Are you prepared if something like this should happen to you?

It really can happen to anyone!
 Quoting: Anonymous Coward 17338098


I see...

In your mind, no coverage makes more sense than limited coverage which would have reduced his debt by 50% or so...
 Quoting: Evil_Twin



A $50 plan is not reducing his debt by 50%.

I actually looked it up and I am not even eligible for a $50 plan and he is older than I am by about 30 years, so his is going to be much more than mine just because of his age. The lowest plan I can get myself is $82.45 a month for an emergency only plan. That is a basic plan that does not cover doctor visits, specialist visits, diagnostic work, or prescriptions It covers 20% of an emergency medical visit after a $10,000 deductible. So with this plan he would have to pay well, well over half. And not even be covered for his second surgery, follow up visits, prescriptions or his visits to his surgeon. Would that be okay for you?

With that plan and a 242,000 hospital bill would go like this. 242,000 - 10,000 out of his pocket for deductible = 232,000. THEN they will pay 20% of that which is 46,000. So now we are at 232,000 - 46,0000 = 186,000 + don't forget he already had to meet a 10,000 deductible. So for the surgery only he would pay $196,000. PLUS he would have to pay all doctor visits, surgeon visits, diagnostic work and prescriptions. His prescriptions have not been cheap either! His second surgery would not be covered because it is not an emergency, so that would be full cost. So for my stepfather to live he is paying $196000 minimum and that is only if he never has to go to the doctor, have the second surgery OR take any prescription medications.

So no...limited coverage does not work in my mind. That might be okay for your family but it is not for mine.

I am sorry, but when your dad apologizes to you because of the debt he incurred for surgery when otherwise he would have died THEN you can talk to me about how "some coverage" is better than none, especially when it is still leaving him 200,000 in debt at very minimum.

From your OP it does not sound like you have insurance. Do you know how easily these things can happen? You had an emergency yourself. Luckily it was minor in a sense it did not require much to fix. What if something serious happened to you or a family member and you were uninsured or under-insured? How would you pay it? Most American's don't just have tens to hundreds of thousands sitting around waiting for things of this nature.

I am not a rude person and I don't mean to be rude. I think you need to research how privately purchased health plans really work because it does seem you are uninformed about the price of the plan and what they do/don't cover. There are waiting periods too, they make you start paying BUT you have to wait before you can even use the coverage on a lot of plans.

Here is a link that will quote you on medical insurance plans and what they cover. I think you will find that these plans are not good by any means until you get into the hundreds of dollars a month range.
[link to www.ehealthinsurance.com]
 Quoting: Anonymous Coward 17338098

I got it.

You'd rather that I pay for his surgery than he does.

Sweet.
 Quoting: Evil_Twin



Did I say or hint to anything like you paying for his debt?

Undeniably, you are misinformed about medical insurance. I come from a family of hard workers and we don't get handouts. In fact, all 4 of the children my mother had, including myself, followed in our mothers footsteps and earned college degrees in field of veterinary medicine. While some may not find that a respectable career, we all make a very decent living doing what we went to college for.

The American medical system is flawed and THAT is the point I trying to make. Did you know that the American government already pays for 46% of healthcare costs in America? Did you know that America's healthcare system is the most expensive in the world? But because my family "did it right" by going to college and having careers we love, we will never benefit from the system in America. We are considered "too rich" for any sort of assistance. I can tell you one thing, while veterinary medicine does pay well, we are nowhere near what would be considered "rich" where we can just shrug off more than 1/4 million when someone has something highly unexpected arise.
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07/11/2012 02:02 AM

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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
But what about someone who doesn't have $215?
Doesn't physically posses it?
Should they just die?
It is to late for "They should have thought about that before", when they are going to slowly painfully die from tetanus and blood poisoning.
 Quoting: Anonymous Coward 17500460


They can use the crappy, Socialized healthcare which is already available at any hospital ER, and wait for hours for crappy service with the rest of the indigents and illegals.

I was happy to pay a little for better care though. $215 is less than most Occupy morons spend on weed in a week. They could skip a bag or two and set aside a little emergency fund, if they weren't fucking morons.
 Quoting: Evil_Twin


Faak that's a good deal...I'd keep the number for those guys around, never know.
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Anonymous Coward
User ID: 19523447
Canada
07/11/2012 02:11 AM
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Re: Yesterday, I Received First-Rate, Affordable Healthcare w/o Insurance, and Obama Had Nothing To Do With It.
You sound like you hate people because they are poor? There is 1001 reasons why people are poor you know, not all of them are drug addicts.
 Quoting: Anonymous Coward 17500460


I don't hate them at all.

I just know that the vast majority of them poor because of their own poor decisions.

I started with nothing, and can take care of my own. Why should I expect anything less from everyone else?
 Quoting: Evil_Twin


I'd be willing to bet $215 you work for the fucking government or a company that does 75% of it's business with government. What I lose on you I'll just make back on the rest of the faux conservative suckers of the government cock that populate this site.

All you self made success stories that would be living in a van down by the river without Uncle Schmuel's 5 trillion dollar pool of pig slop.

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