How much do you pay for health care?

  1. You have chosen to ignore posts from kayak01. Show kayak01's posts

    Re: How much do you pay for health care?

    I am a 55 year old self-employed physician (psychiatrist) in solo practice. For my own health insurance, I pay $5400 a year for Harvard Pilgrim with a $3,000 a year deductible. So a total of $8400 if I go through the deductible.  I was forced to go to the high deductible plan after huge increases in premiums the past few years. Formerly, I had BCBS, but that was even more unaffordable.

    Now, here is the thing. I'm a physician, with a well established practice,  and I can't afford the premiums! 

    I also want to get this out there: there has been no increase in the fee that Harvard Pilgrim pays me ($115 to see a patient for 50 minutes) in many years. Not even a cost of living increase. Nothing.  My colleagues are in the same situation. So, when I hear that increased health care costs are driving up these insurance premiums by 20 to 30% a year, I have to ask where is the money going

    What we need is an unbiased, detailed economic analysis of where these increased premiums are being used. Insurance companies keep telling us that the problem is increased medical costs, including payments to providers. But at least in my world, there have been no increases in reimbursements for years. Now, in response to the possibility that the next round of double digit premium increases might be capped (for the first time) by the governor, the insurance companies are threatening to lower payments to providers. But since there have been no increases in the fees allowed us for years, how can it be that lowering our fees will fix the problem? 

    Clearly something strange is going on here, and I welcome a detailed and unbiased investigation into the matter. 
     
  2. You have chosen to ignore posts from summer9510. Show summer9510's posts

    Re: How much do you pay for health care?

    I work for a health insurance company. I am currently on medical disability through my employer, with no job protection. Currently my employer is "accomodating" the time I am taking off because my issue is covered under the American with Disabilities Act. I am still employed by this company. I have been out of work for approx. five months. Before I left work on this medical leave, I had used all sick and vacation days to be paid for the first 10 days before I could apply for S.T.D. I applied for short term disability, and it took approx over one month for me to receive my first payment of two weeks at 60% of my before tax pay. Which is not much. This check and the next one covered the rent I was overdue on. I was supposed to return to work a little over a month later, my doctor stated I require more time off. I contacted the HR dept and was informed because I had exhausted my federal protection under FMLA, I have to pay the full premium for a two person plan from the first day I was out. The HR person did not notify me of this information until I called to advise I would be out longer, but informed me it was effective retroactively. The amount of my premium for a PPO plan is approx. $1300 per month. I am bringing in $1400 per month on disability.  I do not know how long I am going to be out of work, and have to continue to pay my health insurance plan while I am out. The Health Care Reform requires most small and large businesses to offer insurance to employees, it also requires individuals and families to have access to health insurance. These can be obtained directly through the health insurance company, or through the connector plan. The Mass Health Care Reform mandate should also include guidelines and limitations as to how much a premium is increased by Health Insurance companies. Governor Deval Patrick has a legitimate reason to require premiums submitted by these health insurance companies. The article review numbers were appaling. Harvard Pilgrim increase proposal of 8-12%; Fallon Community 8-32%, and Tufts Health Plan 15%. The amount Massachusetts residents pay for health insurance premiums is similar to paying for a mortgage on a home. I know my monthly premium is, at least. I have seen and dealt with the Mass Health Care Reform since the law became effective. I have thought not only should everyone be able to have accessible health insurance, but the insurance companies should be mandated to offer affordable health insurance premiums to the employers, and individuals that have to go through the Mass Health Connector plans. The current plans offered have lower premiums with extremely large deductibles, or higher premiums with high co-pays. I understand medical costs are increasing, and it is stated in this article, some medical tests are performed that are not necessary. These same health insurance companies have put into place authorizations processes that reduce un-necessary medical expenses, and in some cases prevent medically necessary ones because the provider's performing the paperwork are over-worked, and don't put enough information. Basically my entire post is that I agree with the governor. The health insurance companies in MASS need to tone down the increases they are proposing. The premium increases should be regulated, and the amount of the  out of pocket cost for co-pays and deductibles is outrageous. I am out on medical leave, I need my medications and office visits/hospital visits , I have no choice but to pay the $1300 per month while I am out, as I am not eligible for assistance because I make a little over the limit for state assistance. At this point the only option I have is to continue to pay an outrageous premium, as a middle class citizen, it is becoming increasingly difficult for me to live in this State. I have a limited income, and should I go back to work early I have the possibility of losing my job, as I would not be able to perform my job duties at this time. If the regulation is allowed, and premiums can only increase 4.8% over the next year, this may relieve some of the stress for all working class families. At this time, my choices are health insurance or rent. Which would you be able to live without? Thank you Governor Patrick for proposing this limitation!  The overall situation, including my own is out of hand.
     
  3. You have chosen to ignore posts from RIP1287. Show RIP1287's posts

    Re: How much do you pay for health care?

    Female 60 Self Employed(not by choice)  - SBSB $686 per month goes up to $796 per month - Picking up dental from old  Dental plan - $44 per month
     
  4. You have chosen to ignore posts from HelenMasl. Show HelenMasl's posts

    Re: How much do you pay for health care?

    Agree with Moving Target2. BTW my health insurance premium went up a whopping 25% last year. Is this modest? I personally pay $1200/month equivalent to a $250k mortgage amortized over 30 years at 5%. This is paid while a $116 million venture fund is making investments in speculative companies by BCBSA, the parent organization or BCBS. Fun and games? Russian roulette with premiums. In addition, the 39 Blues contribute to a foundation of unknown size for preventive care. However, no results have been published. Based on the kind of marketing this group, BCBSMA is doing, the effort is several million dollars if not closer to $50 million. And then there is lobbying. So, where does our premium go? I think the insurance companies should be closely regulated with detailed disclosure required.
     
  5. You have chosen to ignore posts from frugalyankee2. Show frugalyankee2's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    [QUOTE]$446.00 per month for a family plan through my employer, $1k deductible, plus 10% of any test, procedure, or hospital visit.  (having a child will cost about $4k out of pocket....previous coverage the cost was $250) Not going to the Dr unless something is seriously wrong, which is what the insurance companies are hoping for with the changes in coverage that have been happening over the past few years.  If everyone pays, and no one goes to the Dr......jackpot for insurance co's.  You right wing wack jobs need to think about what your doing in protesting health care reform...we're getting right wing medical coverage now....pay more for less coverage...it's the American way.
    Posted by KingOfEverything[/QUOTE]


    Health reform is ABSOLUTELY necessary, but what they just did in Washington, following the lead of MA, is NOT reform. It is taking more money for less coverage and forcing everyone to sign up for overpriced, un-necessary coverage so the insurance companies can turn a profit, no matter what. Just think how much a pair of jeans would cost a WalMart if they just raising prices with no regard to cost control. And in that same example, if you wanted to buy a pair of jeans at Walmart if the insurance companies ran it, you'd have to buy a shirt, socks and a pair of designer shoes also, even if you didn't need them.


    So lets get REAL reform going and not just a utopian version of reform that just raises premiums and co-pays while lowering coverage.

     
  6. You have chosen to ignore posts from frugalyankee2. Show frugalyankee2's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    [QUOTE]Well, now we see what the "Tea Party" people are clamoring for: More and more $$$ to insurance companies. But, hey...it's socialism to have a national healthcare system that may be able to hold down costs. This is what the modern day Republican party loves: Big business (in this case insurance and drug companies, not to mention wealthy doctors) putting the screws to the middle class. Thats right...Republican right wing nuts hate the middle class and want it destroyed. That way, just two classes in this country: The Haves and the Have Nots. Just like Venezuela, or Brazil. The rich live in their gated manses with lots of private security to keep out the hungry and the poor. Which will be the rest of us. So much easier to get your way when most of the population is too hungry, sick and homeless to get in your way. When will people wake up and realize that the Republican party was hi-jacked by the far right wing long ago? What amazes me is that the working class folks who are getting screwed the most...are the ones voting for these wingnuts! Talk about fiddling while Rome burns...
    Posted by mumbles[/QUOTE]

    But it was the Democrats, the hero of the middle class, who passed the insurance "reform" in MA that the majority of people posting here are having problems with. And it is the liberals who are hell bent on taking away everyone's guns and leaving the unwashed masses unarmed and unalbe to revolt against the oppression. You've got it right about the middle class getting screwed and pushed down, but its not the Republicans doing it, not in MA thats for sure!
     
  7. You have chosen to ignore posts from Justinboot. Show Justinboot's posts

    Re: How much do you pay for health care?

    Justin boots and music

    Look closely and you’ll find your favorite celebrities in Justin Boots. George Strait, Tracy Byrd and Terri Clark take the stage in their favorite style, while Nolan Ryan and Randy White wear Justin Boots off the field.

     

    These days some of the brightest stars on the country music scene can be seen in Justin Boots-Terri Clark, Tracy Byrd, and George Strait to name just a few. Justin Boots have long been affiliated with music and the Western lifestyle. Terri Clark–Born in Quebec, Canada, but with strong roots from her childhood home of Medicine Hat, Alberta, Canada writing and singing country music just comes naturally for Terri Clark.

     

    A multi-talented musician, Terri not only sings, she also plays the guitar, drums, piano, and cowbell. She is known for high-energy performances and songs from the heart, which have earned her gold and platinum albums. Terri says that her new album “Fearless” has led her full circle – and helped her grow as a musician. An evolution in her career, “Fearless” has helped Terri realize “what she wants to be when she grows up.”

     

    FavoriteJustin Boots: Style #L8933 – Black Full Quill Ostrich Western—Tracy Byrd–His recognizable rich baritone and hit singles like “Holdin’ Heaven” and “The Keeper of the Stars” have sold more than five million albums over the course of his career. A native Texan, Tracy Byrd enjoys giving back to the community that gave so much to him. The annual Tracy Byrd Homecoming Weekend has raised over $350,000 for his hometown of Beaumont, Texas since 1994. An avid interest in the outdoors led to Tracy’s role as a spokesperson for the TNN Outdoors Program and the release of a charity album called the “Wonders of Wildlife” to help protect various native animals and their natural habitats.

     
  8. You have chosen to ignore posts from BOSOX1941. Show BOSOX1941's posts

    Re: Is Francona nuts?

    In Response to Re: Is Francona nuts?:
    [QUOTE]In Response to Re: Is Francona nuts? : What other major league managers do as far as how long they leave their starters in and how they manage their bullpens has plenty to do with it.  If all the other managers are 'leaving their starter in too long' like Maddon did with Shields yesterday, it goes a long way to explaining why Francona does it as well.  Unfortunately people like you and the Baseball-Dr are simply too thick to understand this.
    Posted by Hfxsoxnut[/QUOTE]

    Are you saying that Francona doesn't know what do do and therefore he looks to see what other managers do??? Are you saying he doesn't have a clue as to how to handle pitchers and copies other managers?? Are you saying that he knows nothing about managing and so he'll follow the other kids as they jump off the bridge??

    "leaving their starter in too long" (here's the good part) like Maddon did with Shields yesterday.  So it's alright for Francona to "leave his starter in too long" as long as other managers make the same mistake??
      Doesn't the phrase, "LIKE MADDON DID WITH SHIELDS YESTERDAY", mean that you acknowledge that Maddon was wrong and therefore Francona is wrong when he does it, but you don't dare to say it???????
    I HAVE NO IDEA HOW THIS POST GOT HERE....
     
  9. You have chosen to ignore posts from movingtarget2. Show movingtarget2's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    [QUOTE]In Response to Re: How much do you pay for health care? : The mindset of the typical demogog left wing ACLU card carrying liberal extremists towards people who own their businesses. Which results in providing jobs for people, and lastly God forbid they make more than middle class income for their long hours and tireless efforts always ceases to amaze me.
    Posted by Maclen[/QUOTE]

    Why do I have this overwelming suspicion that you're on welfare?
     
  10. You have chosen to ignore posts from napmaster. Show napmaster's posts

    Re: How much do you pay for health care?

    I pay about $200 while unemployed.
     
  11. You have chosen to ignore posts from overtaxed. Show overtaxed's posts

    Re: How much do you pay for health care?

    I run the healthcare for my company.  It costs us $9/hour for an employee's family healthcare or $1600/month. But before we blame the companies take a look at MA and Federal regulations that require free infertility visits and conception at the tune of $25,000 each.  You get three attempts per year.  Look at the free mental health portion which is legit but is abused.  Look at all the well care that is free and before we compare to Canada understand that they wait 12 to 18 months to get an MRI.  We can get scheduled in 24 hours. There are so many regulations that are forcing our healthcare costs through the roof including the prescription coverage. This is part of the plan to force us into federal healthcare due to the expense of private plans. We no longer have an option to get catastrophic healthcare with $1,000 deductible.  You have to have loads of coverage or get penalized. Our yearly increases have included more and more mandatory coverages that are being dictated by Deval and now the Feds. There is no freedom to choose options just more regulated bull that I never use.
     
  12. You have chosen to ignore posts from thebread. Show thebread's posts

    Re: How much do you pay for health care?

    In Response to How much do you pay for health care?:

    Married no kids. Monthly share of Ins. premium, $300 +. One small raise in three years... Net reduction in pay after increased cost of benefits.This even includes the extra cash from the Bush temporary tax cut.
     
  13. You have chosen to ignore posts from thebread. Show thebread's posts

    Re: How much do you pay for health care?

    Mumbles,
    Since you just HAD to politicize your answer... Here is my response to your statement.

    Sure, I agree that the TeaParty is trying or has hijacked the Republican Party and moving it to the far right.
    But remember, long ago, the LIBERALS, hijacked the Democratic Party and swung it far to the left, socialism.
    I've been a Dem. my entire life in principal, but the Dem. Party of my youth no longer exists, nor does the Rep. Party.
    What this country desperately needs now is a CENTRIST PARTY.
    Think about it, a Centrist Party Leftist would be at worst a Moderate Dem. and a Centrist Party Rightist would be at worst a Moderate Rep.
    You can't get any better than that for the good of our Country.
     
  14. You have chosen to ignore posts from Raun6. Show Raun6's posts

    Re: How much do you pay for health care?

    I am currently paying 480.00 per month medical with a 2,000.00 deductible.  Copays at 30.00 per visit, 50.00 for specialist, 500.00 for anything outpatient deductible...  No raise in 2 years going on 3. Costs total over 10,000.00 annually and I have insurance...
     
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  16. You have chosen to ignore posts from redhat14. Show redhat14's posts

    Re: How much do you pay for health care?

    Mexican illegal go to emergancey room me pay 0.00, you pay lots Tanks!
     
  17. You have chosen to ignore posts from brusselsp. Show brusselsp's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    [QUOTE]I thought insurance companies were supposed to INSURE individuals against loss -that does not seem what is taking place.  What really happens is that insurance companies insure THEMSELVES against individuals who take out policies.  In this way, the insurance companies will always get paid above and beyond, no matter what happens.
    Posted by cmansj[/QUOTE]

    Great point -- I never thought of it that way, but you are RIGHT!!

     
  18. You have chosen to ignore posts from harrylook. Show harrylook's posts

    Re: How much do you pay for health care?

    municipal employee.  pay about $480/mo for BC/BS family plan
     
  19. You have chosen to ignore posts from macnh1. Show macnh1's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    [QUOTE]Some of these costs seem staggering to a Canadian.  As a resident of Ontario, I pay a tax surcharge of about $800/yr (would be less if I earned less) for my medical care, and my tax rate is slightly higher than yours. But ALL medically-necessary examinations, tests, and treatments are cost-free. As a senior, I pay a maximum of $100/yr for all my prescriptions, reimbursed by my former employer.  To be sure, demand exceeds supply, causing wait-times for some procedures. But apparently it's similar in the US.
    Posted by alanauer[/QUOTE]

    If I was having chest pains with a blockage, I would be in the cath lab being stented in under 2 hours by the best doctors and nurses on the planet at Mass General Hospital.....you get what you pay for....

    I'd rather pay a premium and have the BEST medical care and BEST critical care by the best medical professionals available than have cheap mediocre care that I have to wait for, being provided by unhappy under paid health professionals who are over worked.

    We don't have the best healthcare system but we have the best healthcare in the world.  Dumbing it down by government forced mediocrity isn't what we want.

    If you are dead because you couldn't get the best healthcare when you needed it.....does the cost really matter?????

     
  20. You have chosen to ignore posts from tripleEEE. Show tripleEEE's posts

    Re: How much do you pay for health care?

    My employer doesn't have health insurance. I am on a Cobra plan from my previous employer. I was getting federal assistance (65% previous employer, 35% me) but that runs out the end of this month. My contribution goes up to over $1800/month. If I pay this premium, I will not be able to pay my mortgage. Do I lose my house or do I lose health insurance? I will not be able to pay it and I will not have any health insurance after this month. They want to raise rates? The economy is getting better!? Health insurance is ridiculous. We're paying for everyone else. It's cheaper to pay the doctor's bills for my family than the insurance premium. Of course I will end up paying a penalty to the state for not having health insurance because they made it mandatory but not affordable. I have been living in Mass. for over 50 years and it just keeps getting worse. 
     
  21. You have chosen to ignore posts from bf5113. Show bf5113's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    [QUOTE]Self Employed...family rate $1300 a month with BCBS.  BTW, the premiums I pay as a owner of an LLC are considered as income on my taxes.  Quite ridiculous.   Our rates have gone up on average 30% a year over the past four years.  That is with an increase in our co-pay.  So much for reducing our premiums by mandating coverage for all.  
    Posted by medfield5[/QUOTE]
     
  22. You have chosen to ignore posts from bf5113. Show bf5113's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    [QUOTE]In Response to Re: How much do you pay for health care? :
    Posted by bf5113[/QUOTE]
    This individual might want to consider incorporating and employing themselves. There is additional paperwork involved and about $800 a year in state costs, but costs for medical insurance is an employee benefit and is not taxable on the federal or state level.
     
  23. You have chosen to ignore posts from GlobeReaderSince1960. Show GlobeReaderSince1960's posts

    Re: How much do you pay for health care?

    My wife and I are retired, under 65, and receive retiree health coverage from my former employer.  We pay $600 per person per month.  Per-person, policy has a $300 deductible, 20% cost-share up to an out-of-pocket max of $1100, and $400 out-of-pocket prescription drug cap.
     
  24. You have chosen to ignore posts from livenow. Show livenow's posts

    Re: How much do you pay for health care?

    I just paid the bill...

    HMO Blue Value for Boston

    Individual: $488.37
    Couple: $976.74
    Family: $1,477.08
    SPWMD: $876.42

    And my quess is this will be considered a Cadillac plan based solely on the fact we are in a high priced area.


    Check your plan versus Arizona...google something like Arizona health insurance and get an instant quote.
     
  25. You have chosen to ignore posts from terralin. Show terralin's posts

    Re: How much do you pay for health care?


    we have employer "provided" insurance, annual premiums add up to $2500 for family (3), plus approx $2000 annually in so called insurance assisted medications plus co-pay $25 for anything....  husband is heart patient, so you got it, have to pay a lot!!  and this is a so-called "good plan" and we expect the premiums will go up next year.
     

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