Do you have health insurance? How much do you pay?

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Do you have health insurance? How much do you pay?

Postby johnwang on Sun Jun 28, 2009 12:42 am

One of my students who has to pay $1,000 a month ($12,000 a years) for his medical insurance (a family of 4). He, his wife, and 2 children have $10,000 deductable. If everybody get sick, he has to pay $40,000 from his own pocket before the insurance company even start to cover anything. It's pretty bad IMO.

Do you have medical insurance? How much do you pay?
Last edited by johnwang on Sun Jun 28, 2009 12:46 am, edited 1 time in total.
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Re: Do you have health insurance? How much do you pay?

Postby Michael on Sun Jun 28, 2009 5:35 am

When I had it through my job I paid a small amount and they made it almost impossible to use.
Last edited by Michael on Mon Jun 04, 2018 7:16 am, edited 2 times in total.
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Re: Do you have health insurance? How much do you pay?

Postby meeks on Sun Jun 28, 2009 8:18 am

I pay about $30 a month for myself. Now that I have a wife and kid, I pay about $45 a month (for our daughter) but my wife's medical is free from her employer. If I wasn't self-employed it would be free too.
When our baby was born last year the doctor visits, scans (look at your baby on the TV screen) and delivery at hospital was all free. Had to take our baby to the hospital 1 night to get looked at - free.
my 3rd degree burn? Apart from medications, the visits to the plastic surgeon specializing in burns - free.

no scammy paperwork, no claims agent looking for a loophole.

Damned socialized medicine in Canada....I do believe that if the pharmaceutical companies were Canadian instead of American though, that we'd have privatized medicine and be brainwashed into thinking government health coverage was 'evil' like the way it's pushed in USA.
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Re: Do you have health insurance? How much do you pay?

Postby Methods on Sun Jun 28, 2009 9:20 am

160 every two weeks for my son and I, my wife keeps her own due to her insurance gives her a grand to spend every six months on medical costs - yeh bitchin, but if we all were place on my wife's then the grand would disappear.

Insurance is a crock of shit in the states, literally the last profession left that actually screws you with a smile.
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Re: Do you have health insurance? How much do you pay?

Postby chud on Sun Jun 28, 2009 10:06 am

Michael wrote:...take the long view on insurance: a normal, healthy person will save money over their life time without it.


Yep. My dad says just get the cheapest health insurance plan possible, no matter how crappy it is, just to have a card in your wallet so they won't turn you away at the hospital. Then take all the money you save on premiums and save it. When the time comes, just pay cash for all the stuff your crappy plan didn't cover.
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Re: Do you have health insurance? How much do you pay?

Postby qiphlow on Sun Jun 28, 2009 9:17 pm

i have no doubt that the insurance industry has destroyed healthcare in the USA.
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Re: Do you have health insurance? How much do you pay?

Postby johnwang on Sun Jun 28, 2009 9:51 pm

Michael wrote:a normal, healthy person will save money over their life time without it.

I could save $12,000 last year if I didn't have medical insurance..
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Re: Do you have health insurance? How much do you pay?

Postby Muad'dib on Mon Jun 29, 2009 1:34 am

I pay roughly 200 USD for Japanese national insurance. Hospital visits generally run 20 bucks a visit, and even with tests, It maxes out around 70 bucks. Ex: I went to hospital for weird chest and throat pain (Felt like a bubble in my chest moving around actually). Chest X-ray, throat check with little scope, blood test for oddities, and one more = 50 bucks.

On the other hand, when I was in the states, my kids and I were on medicaid. I took it over the 14K a year coverage my school offered for the family. 5 trips on the ambulance later... Well, if I had taken the 14K, I:d have paid an extra 2k for the ambulance rides too... (Actually, the defendants would have.)

US insurance companies are damn near the devil as far as I am concerned.
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Re: Do you have health insurance? How much do you pay?

Postby Michael on Mon Jun 29, 2009 2:59 am

qiphlow wrote:i have no doubt that the insurance industry has destroyed healthcare in the USA.

I'd like to offer my opinion that just as with other industry, the insurance corporations are inhuman and short-sighted entities that know only the principle of monetary profit. At some level, whether it comes from internal policy or government regulation, there must be a consistent morality applied to the behavior of corporations, which is obviously lacking. Why don't we ever hear of "corporate constitutions" instead of "mission statements"? We all know that every corporation that has done significant harm to American society has the same mission statement: monetary profit at any human cost!
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Re: Do you have health insurance? How much do you pay?

Postby Michael on Mon Jun 29, 2009 3:14 am

johnwang wrote:
Michael wrote:a normal, healthy person will save money over their life time without it.

I could save $12,000 last year if I didn't have medical insurance..

I've heard you talk about your early education in Taiwan and how you were a top student and out of necessity made it a habit to sleep only 5-6 hours per night, so considering that and your experience in martial arts a person might guess that you were born to be a healthy and robust. If true, why do you need medical insurance? I can understand accident insurance for car crashes and bear wrestling :), but what else?

The things western medicine is good for, such as surgery, trauma, getting rid of the clap, obstetrics, etc., it's easy enough to pay as you go. They are worthless for almost all cancer (some exceptions with early detection like prostate) and other degenerative diseases that a person might be concerned about. Diet and lifestyle choices, plus exercise and qigong equals good health, especially for people blessed with a good start early in life. The degenerative diseases pretty much all come from specific toxins added to our air, water, and food, which can be avoided.

I strongly suggest to everyone that you do research on the topic of vaccinations before you ever allow yourself or a loved one to take another vaccination/inoculation. Don't want to thread jack, but check out places like http://www.nvic.org. There are multiple studies showing flu increasing for those who get vaccines, Alzheimer's risk going up 3-5 times for anyone whose taken more than 3 flu shots in their lifetime, and so on.
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Re: Do you have health insurance? How much do you pay?

Postby wiesiek on Mon Jun 29, 2009 3:47 am

in Poland medical eats ~~10% of my monthly wage /i have kinda of "city job"/and it should cover almost everythings,
yes,
but only on papers
reality is, that i have pay extra for almost everything if i need fast and proper service :-\

bottom line :
you CAN`t quit or change it, this is an official insurance
automatically taken from payments like bunch of another taxes
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Re: Do you have health insurance? How much do you pay?

Postby Morty on Mon Jun 29, 2009 4:29 am

In Croatia (formerly socialist, heh), it's about 5-10% or so of pay as well, for the mandatory health insurance. No way to opt out of it. Most costs are covered by it, including surgery and many drugs. Each visit to your GP is about 2$, paid on the spot. The insurance pays 50-100% of drug costs. (average pay is about 800$ or so). Visits to the ER are free of charge. Hospital stays are free for non-elective procedures.
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Re: Do you have health insurance? How much do you pay?

Postby Steve James on Mon Jun 29, 2009 5:42 am

This is confusing. Many people in the states do not have health coverage. This only becomes a problem when they or a family member needs medical care, and only if they can't afford it. So, the core of the issue is what should happen to those people (i.e., ill but cannot afford to pay).

If that is considered a problem, then someone will have to pay for the solution. Unfortunately, no one wants to pay for someone else's disease. Obviously, healthy people don't see why they should pay for medical insurance. Doctors don't think they should give away their skills for free. However, no one wants to increase taxes to improve public health care or hospitals. Employers complain about the cost of providing insurance; employees complain about their lack of coverage.

Essentially, this is a conflict between people and money; and almost everybody's greedy. Anyway, one solution is to "stay well" -- as long as you can.
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Re: Do you have health insurance? How much do you pay?

Postby johnwang on Mon Jun 29, 2009 2:40 pm

You can't walk into a group of

- millionaire and talke about "universal healthcare".
- homeless and talk about "invest in gold".

That's the true problem the mainkind have.
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Re: Do you have health insurance? How much do you pay?

Postby H2O on Mon Jun 29, 2009 3:43 pm

I pay $ 75 a month. I had my gall bladder out last year, my oldest son had his tonsils out the year before that. I haven't paid a penny out of pocket yet in the 4 years I've been on the plan. Oh yeah, they pay for my acupuncturist too.
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