PPO
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- dbloc
I opt for PPO insurance so I can go anywhere I want when the time comes. Apparently, even PPO has to be in network now. The lady that runs medical at my job says I can thank Obama. Is this true. is that how it is now?
- Amicus0
you forgot the link
- dbloc0
there really isn't a link...this is who we use..
https://www.healthnet.com- sorry, for someone outside the use it sounded like spiced hamAmicus
- mikotondria30
Yeh, cause all the good bits of healthcare reform got through, didn't they ? Blame the other cunts.
- fugged0
I don't think you can blame Obama for this. Healthcare is (and has been) just plain fucked up.
- mikotondria30
Health Insurance is the nastiest most evil stain in this world.
Hey you guys, we'll pool your money and help you all pay the high costs of medical care when you need it !
Oh sweet, thanks !
.......Aaaaand, we'll just take this massive portion for ourselves first.
What ?
This extra bit, we'll take that.
What for ?
For our shareholders - they own this Health Insurance company - we pay them the profits that we make by taking all the premiums, subtracting some, then paying the health care costs from the rest.
But, that's just a kind of legitimised theft, isn't it ?
Well, yes and no. Yes it is, and no - you're not covered.
What ?
You're not covered, all your premium payments count for nothing - this isn't a bank, you know - it's insurance.
So all my previous premiums have gone to pay for other people's treatments, AND the profits to your shareholders ?
Yes.
But that's like - well, it IS socialism, isn't it ? With the worst of capitalism thrown in - not only do I pay for everyone else's treatment, I also just GIVE some other people, neither patients nor healthcare professionals, some of my money for nothing ?
Bwaha, I hadn't looked at it like that.
Fuck you.
Well fuck you too, we're going to make sure you die early. Who's fucked now ?
You're a total cunt.
- ********0
how many people really use the benefits being paid for? me plus employer probably pays about 3600 dollars for insurance and i use maybe 600. Of course by paying in the 30% being like 90 bucks a month i get some detrimental coverage vs paying liek maybe what 150 or less for detrimental health insurance. Of course if i was to opt out i wouldn't see the money paid by the employer in my paycheck. The problem with health insurance is over insurance. And the idea that employers must pool large groups, making it easy to push numbers up with speculation. I think it would be better if employers didnt offer insurance and it was treated more like car insurance. Sure maybe less than 10% get fucked by pre-existing conditions but far better than 90% getting fucked trying to hedge the 10%.
And i dont know the full government rules and regs but im guessing a lot of profit really comes from the capital needed to cover a large percentage of people all going extremely ill at once. thinkign that money put into investments and stuff generates plenty of cash. Much like HOAs but on a larger more complicated scale.
But people are lazy and probably like the employer to choose there healthcare stuff. Rather than wanting the money and doing the research to find what fits you best. So probably wont ever change unless tax incentives are taken away, and measures taken to remove other incetives promoting companies to provide healthcare.
and of course there is the whole medical business. hospitals vs specific technique clinics. lot of different politics involved and rules regs with those. lobbying and such. incentives on those all inclusive vs small. the problem with the hospitals promoting prestige vs cost effective measures. the latest tech that is far more expensive and yet does the same as the previous. i do work for a hosptial and the marketing budget is so insane, and people runnign it jsut is ridiculous. Not too mention the hospital just open a giant expensive zen garden for outpatients to visit and feel better, and do the whole high class valet parking and everything.
the whole risk/reward system with economics is fucked up. hospitals benefit more by charging more. insurance benefits more by charging more. when a birth costs like 5k but an insurance pays 15k of course the hospital is going to promote insurance users. its so fucked up. and i cant see people changing their mentality on it at all. theyre so single track with thinking i pay this insurance amount i should get everything and stuck on that single point.
- and i think a lot of fundamentals of insurance hikes can be seen in higher edu. just bad policy creating self eating markets********
- and you cant risk rewards in changing policy always leans towards making the situation worse with todays voters********
- and then agian avergae health insurance i use is less than 600. think ived used about 2k in the last 8 years...********
- and i think a lot of fundamentals of insurance hikes can be seen in higher edu. just bad policy creating self eating markets
- ********0
And i had an eye exam which i havent had in like ten years.... The person tested me for everything possible. Like she said "its probably just for fun", meaning unnecessary but see what happens and bill insurance. It didn't cost me a dime it was covered by insurance. Turned out i learned my eyes are just fine. The cost to learn that i have no idea. It wasnt disclosed to me. I should have asked. If i knew the cost and it was coming out of my pocket, i would have likely made a more rational decision on if i needed it, i.e. testing for glaucoma at my age was really unnecessary, especially considering my vision.
Peopel liek me participating in unecessary procedures increase insurance premiums. shit needs to be more on a supply and demand scale. What benefits do i get if i dont take advantage of the system? Nothing. Other peopel will continue to take advantage and my rates will still go up. So its in my best interest to milk it as much as i can and get a bailout from the rich.
- eye exam today...********
- and, the more people who think like that the more your premiums will rise, along with waiting times.Amicus
- yup and thats were the incentives are. do u expect people to not take advantage? wont change without curving incetives to supply demand approach********
- incetives to supply demand approach********
- eye exam today...
- akrok0
i had the crappiest health insurance there was. (still are).
300 bucks per month. and then you still have to pay 15 bucks for the visit. i am sure you have to pay for any medicine if you need some.now, i am back to no health care. as i am on my own.
- akrok0
i love how people talking about "they have choice". no you don't. you work for them. not the other way around.
- bogue0
what a cluster fuck. Sounds confusing and scary. I'll gladly wait 2 months for an MRI if it means i don't have to pay for it and I don't have to fight insurance companies for my health.