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|11 votes (45.83%)|
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24 members have voted
I personally have employer healthcare. Regardless of what the republicans do, i will still have health care insurance. I wonder how many here are on obamacare and are worried
Many policies mention coverage but don't mention 'caps'?
Some companies 're-calculate' rates every year thus insuring only the healty, which is what all companies want to do.
Obama care is an open-ended insuance auction system wherein health insurers "bid" for certain market share. Some of the bidding is like any other auction... very "friendly" bidders, no real competion.
Since exact coverage and limits are often unknown there is no real way to allocate costs except to 'future taxes and future premium hikes'.
Costs? Just this past week some Breast Cancer specialists called for more coverage while other experts said its become a politically motivated disease with far too much time and money spent mammogramming the healthy and the unlikely to get breast cancer women who are simply worried. This leads to worry, more testing, more costs.
Free treatment for 'necessities' albeit with long waiting times for some operations.
Free treatment for emergency treatment.
Free treatment by a General Practice Doctor, or nursing staff.
Prescribed drugs at fixed costs of about $10 per medication, with 'season ticket' pricing for those who need lots of different medication.
Prescribed drugs free to elderly and to those on very low income ( 'on benefits' )
Free basic Hearing aids too and free or almost free spectacles and eye tests.
Those who wish to pay to go private can do so, to get treated earlier or for non-essential treatments, but the hospital facilities might be the same or better.
Some companies offer 'BUPA' which is a private medical service as an additional benefit of employment contract.
We pay out of direct taxation and remarkably, hardly anyone complains about the cost. Some get upset about the long waiting times and some get upset at the 'non-contributors' who use and abuse the service. It also leads to some nationalistic ill will, because our service is available free to European visitors under reciprocal arrangements: A key factor in the Brexit vote.
Even if your employer provides 'BUPA' you still have to pay for the NHS through your salary, whether you use it or not.
NHS. We Brits love it. . . mostly.
(1) Medicare parts A&B,
(2) Part D coverage (through WellCare for 2017),
(3) Medigap Plan G (through Cigna for 2017), and
(4) neither Dem nor Rep.
I am "worried" in the senses that (1) there seems to be an extremely high attitude of entitlement such that too many folks expect someone else to pay for their medical expenses, (2) Obamacare seems to have created an even more outrageous bureaucracy than what existed before (which didn't seem possible), and (3) I suspect that whatever winds up being done about it will turn out to make things even worse.
Seriously, I have had five doctors since 2000; #1 stopped taking all insurance (besides Medicare), #2 switched from general practice to acute wounds, #3 retired, and #4 stopped taking my particular insurance.
It went to $360 with $10 co-pay, and free prescriptions.
Am I worried? Concerned would be a better word.
Right there with you. I switched from an individual silver plan to a gold plan this year (higher premiums, lower deductibles) because even though the premiums are higher, my CPA told me that premiums are a better write-off than expenses and with my usage overall I'll save money. But like basically everyone I know, we have some pre-existing conditions. If guaranteed coverage for individual and family plans ceases to be a thing, an awful lot of people are going be at risk for summary termination when the insurance companies decide they need to decrease their aggregate risk.Quote: DRich
You seem to have forgot the option "I pay for my own families healthcare and it is freaking expensive".
Right there with you. I switched from an individual silver plan to a gold plan this year (higher premiums, lower deductibles) because even though the premiums are higher, my CPA told me that premiums are a better write-off than expenses and with my usage overall I'll save money. But like basically everyone I know, we have some pre-existing conditions. If guaranteed coverage for individual and family plans ceases to be a thing, an awful lot of people are going be at risk for summary termination when the insurance companies decide they need to decrease their aggregate risk.
Yet if pre-existing conditions are allowed in the new law, why bother buying insurance when healthy? A typical thirty year old can buy insurance on the way to the ER.