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

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    [QUOTE]Boo-Hoo - Good to see all you MA MoronsLibs taking it up the - . The Commonwealth stuck its fingers into your healthcare and that seems to be working well for you (NOT) Wait till Obama adds his 'health care' on top and you'll be longing for the good old days of 2009/10.
    Posted by umustbekidding[/QUOTE]

    You are an obvious idiot, this is a real issue requiring national debate.  Healthcare is bankrupting the country and its citizens.  Something needs to be done, instead of criticizing the fact that the President is trying to do something that the economy and country needs, health care reform, why don't you contact your local House or Senate member with a better alternative than what's out there.  A-hole.
     
  2. You have chosen to ignore posts from taez555. Show taez555's posts

    Re: How much do you pay for health care?

    Good quesiton, it depends how much I'll owe after the debt collectors are done with me.

    My daughter went in for your her 2 year check up (required by law and included as part of our insurance), the insurance company denied our claim because it occured one month after her birthday(the only date the doctor could fit us in).  Now we're in collection because we refuse to pay.

    6 months later my daughter has to go to the emergency room.  5 hour wait at Childrens Hospital.   We sign in, and wait, wait, wait in the ER waiting room... give up and go to another hospital.   A month later we get the bill from Children's for an ER visit, which we never had, and are now in collections for that.

    My insurance costs over a 3 year period have doubled, while copays have tripled.

    If socialism is the answer to this insanity, sign me up.

     
  3. You have chosen to ignore posts from sally-j. Show sally-j's posts

    Re: How much do you pay for health care?

    I work for a small company, under 100 people, and unfortunately, because we do not have at least 50 employees enrolled in our plan, the insurance company charges us much higher premiums.  Our employees contribute 50% of the premium and we have open enrollment this fall.  For the 2010 year, our insurance company offered us some new plans as our current plan is now obsolete.  The least expensive premium jump is 25%, yes 25%.  So that will get shared with each employee who is in the plan.  In doing some basic calculations using the charts we were given, I calculated that I will pay out of pocket a MINIMUM of $7650 for health insurance for 2010.  And, sadly, that's only if I avoid hospital visits or even out-patient procedures.  And of course, I am not getting a raise at work, so these costs are NOT being offset by anything and my income is depleting.
     
  4. You have chosen to ignore posts from Superstar2. Show Superstar2's posts

    Re: How much do you pay for health care?

    Single, 55, female, self-employed:  Fallon Direct Care $458.20/mo
     
  5. You have chosen to ignore posts from fuzzy1. Show fuzzy1's posts

    Re: How much do you pay for health care?

    BCBS Family Plan, was 12k/year with my companies plan, now 7k/year under my wifes, plus another 1k/year for copay's/doctors visits and dentists... This month will be another $2500 charge to have a baby (deductable).  Wish I worked for the government, it would save me about 8k/year. 

    I know we can never go to a universal health care system (nobody ever brings up Japan, which has an extremely successful health care system), but it would be nice for the government to start enforcing preventative health care (like subsidised MRI and CAT scans), cost control for perscription drugs, Tort reform and a public option so people can go on the same health care that government workers can go on.  In addition, join the rest of the civilized world and don't allow mass market pharmaceutical advertising, and don't cover certain non-essential perscriptions. 
     
  6. You have chosen to ignore posts from KingOfEverything. Show KingOfEverything'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? : Typical MA Moonbat - Thos Gov't mandates seem to be working out for you real well. Now hurry along to your state job - you should clock in by 11AM or so and get 30 min. work in before your 3 hr lunch. A-hOLE.
    Posted by umustbekidding[/QUOTE]

    Again, you have nothing to add to the discussion.  You are the reason that the country is in the state it's in, you're more than happy to sling insults without the slightest understanding of an issue.  Also, if I worked for the state why would I be worried about health care??  They have the best coverage second only to federal employees.....we need to level the playing field so that everyone is afforeded the same coverage.  The health care system as it is currently structured, just like the state and federal tax, medicare, medicaid, social security, etc., is squarely on the backs of those of us in the middle class.  The rich don't have to worry about it because they can afford for anything to happen.  The poor receive coverage at our expense already.  It's time to find a more equitable way of spreading the cost across all income levels of society.  It has nothing to do with being a liberal or conservative...it has everything to do with the lobby of medical insurance and pharmeceutical companies. C'mon man, add something of value to this world.
     
  7. You have chosen to ignore posts from EdEScot. Show EdEScot's posts

    Re: How much do you pay for health care?

    I pay $237 per month for family coverage which is just myself and my wife but it is full family coverage not two person coverage which my employer does not offer.   It is a BC/BS HMO with a $500 per person deductable and a $20 office co-pay.   The drug co-pay varies but is very modest if I use mail order where I get three months for one month of co-pay.   My daughter is in the Mass Univeral Coverage programs and pays just $39 per month as she is only 28 and is a low wage person.   Thanks goodness for the MA public plan, I wish the rest of the country had the same oppertunity.   Mr  Obama is on the right path.
     
  8. You have chosen to ignore posts from iast8r. Show iast8r's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    [QUOTE]The self employed folks are getting killed by this.  I pay $1300 HMO Blue Family plan.  Sure it's the cost of doing business but....  The premiums are not deductable to my company (like they are when an employer pays for an employee).  No big deal, I can take it. But then, the kicker is that I am personally TAXED on the 15K+ I pay a year because it's considered a benefit to me.......  Are you kidding.? Sure I don't provide any jobs but I don't milk the system and I leave room for someone else to work in a company where I could be.  It's insane...
    Posted by barbaru[/QUOTE]

    As a self-employed person, if you're being taxed on the amount you pay in health insurance, you need to find a new tax preparer.  For the 2008 tax year, line 29 on your 1040 will exclude your health insurance premiums from your taxable income. 

    My husband and I employ twenty workers and we provide health insurance for each of them.  Our cost?  Over $250,000 per year... and that's just health insurance, it doesn't include dental, worker's comp, auto on fleet vehicles, or other varieties of insurance.  For the record, we're a New Hampshire business and we still have significant increases to premiums each year. 
     
  9. You have chosen to ignore posts from beedee. Show beedee's posts

    Re: How much do you pay for health care?

    Self-employed and paying $951.00/mo for family of two with a $500 pp care deductible, $100 pp Rx deductible, and various copays for services and visits that remain even when the deductible is met. Or essentially $12k per year out of pocket for sure and more if anything serious happens. It's not the credit crunch that is keeping me from spending (and thus boosting the economy). It's health care costs.
     
  10. You have chosen to ignore posts from samsample. Show samsample's posts

    Re: How much do you pay for health care?

    Single, 52, pay for the whole thing myself.

    BCBS HMO, $25 co-pay, $600/mo, plus about $1000/yr for deductibles, co-pays and things that aren't covered like dental.

    It's been going up 20% per year. Whoever says we don't need health care reform needs some significant therapy.

    Where is this cost saving from universal coverage?
     
  11. You have chosen to ignore posts from Kevin080382. Show Kevin080382's posts

    Re: How much do you pay for health care?

    Health insurance is so ineffecient and so expensive becuase politicians have decided healthcare is far too important to be able to function on its own in the free market. Between State Regulations and government mandates Massachusetts is a prime example of too much government intervention in our health care system. The national average for families who buy health insurance on their own is 4k-7k per year. Families in Mass are paying 13k+ per year. We the consumers have lost any sort of semblance of choice and we are at the mercy of our state government which has created these large insurance monoplies. Congress could write a 2 page law tomorrow allowing interstate commerce for health insurance, and individuals would flock to companies who operate in different states and offer different types of coverage that works for their individual needs. Until then, we have no other option but to sit back and let government control our needs.
     
  12. You have chosen to ignore posts from user_1393332. Show user_1393332's posts

    Re: How much do you pay for health care?

    This is totally out of control.
    We need to start revolting -striking - stop using health care - to reduce the high health care costs.
    Prescriptions that sell for pennies in Europe and Canada are selling for 2000x the cost in the US.
    Try to get a doctor's appointment!
    Try to get a doctor period!

    Something needs to be done, I can no longer afford health insurance AND food and RENT AND an MBTA pass, but this STUPID socialist commonwealth INSISTS that I have health insurance - but do they pony up anything for it?
    Of course not they would rather support ILLEGAL aliens.

    Let's get a boat and load all of these illegals on it and send them back where they came from.
    No if's and's or but's you don't belong here, you are a criminal by being here and you are costing all the rest of us more money than we can afford.
    GET OUT OF MY COUNTRY NOW.
     
  13. You have chosen to ignore posts from sanitydriver. Show sanitydriver's posts

    Re: How much do you pay for health care?

    Under an employer plan, I pay $90/month for a family plan. No deductable, $20 copay within the network (which is virtually every provider in the area). Medications are either $5, $20 or $35. The plan has very little restrictions and pregnancy and delivery  cost a grand total of $20.

    They do treat urgent care the same as an ER visit and charge higher copays for those (either $75 or $100) which should be the case so this deters you from going to these places unless it is truly urgent or an emergency.

    For those that are employed by large corporations and still have lousy or expensive health insurance, don't be angry with the insurance companies. Be angry at your employer. It is your employer that is dictating the cost sharing of the plan, the coverage, etc. My employer knows it offers much better than average HC coverage and uses that as a recruiting and retainment tool. Employees need to apply pressure to their corporate benefits and HR folks to let them know their insurance options are a burden and not a help. People will fight for a raise, promotion, transfer, extra vacation, etc, but rarely fight for better HC benefits because they blame the insurance company and not the employer who signed up for the plan.

    To the small business folk, self-employed and single payor, yes you are getting screwed by both the insurance companies as well as current law. This is where the primary focus of insurance reform needs to be. Allow these people to pool together, cross state lines, or piggy-back on to state or federal employee plans.

    Also, the HC industry (hospitals, medical offices, labs, etc) all need to become more efficient to reduce costs. But in order to become more efficient we need to revisit laws and regulations that often and layers and layers of paperwork and additional time it takes to serve each patient. And of course, tort reform needs to be addressed.


     
  14. You have chosen to ignore posts from user_1393332. Show user_1393332'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]

    Excellent point - it is no longer about us getting coverage, but about the insurance companies making sure they are the next 'Wall Street'.
    I cannot wait for them all to start falling and the CEO's with 10Million dollar a year salaries are collecting UI - cannot happen soon enough for me.

    131 per week for husband and wife plan = 6,812.00 per year - I pay
    and my company ponies up another 5000.00 per year!
    25 doctor co-pay
    100 ER
    15/30/50 prescriptions
    No MRI - out of pocket

    I wouldn't mind but I get 1 prescription per month and 3 doctor's visits per year, my husband REFUSES to go to the doctors and takes no prescriptions (but I am FORCED by the Nazi's in this state to have health insurance!?!?!?)

    So the actual costs are what?
    300.00 for the doctor's visits
    1000.00 for the prescription

    Gee, I would rather pay the 1300.00 for WHAT I ACTUALLY USE vs. supporting a bunch of illegal aliens.

    So I vote the Illegals be removed from MY country - I have enough work to support my own family without supporting a criminal.

    ILLEGAL ALIENS NEED TO BE TOSS OUT OF THE USA NOW.

     
  15. You have chosen to ignore posts from massguyinflorida. Show massguyinflorida's posts

    Re: How much do you pay for health care?

    When we lived in Massachusetts we had Harvard - $15 co-pay for both office and prescription, labs and follow-on procedures were covered under the referal and Delta Dental which was a basic preventative package. This cost about $550/mo. through an employer. We transitioned to Florida, but used the Mass mandatory plan for 3 months and that cost us $480/mo. with no prescription or dental. In Florida we took a private plan with Humana with $5,000 individual deductible but covering 3 well visits per year with no prescription or dental coverage. It started at $480/mo. with annual increases to $590/mo. and now $690/mo., and we are HEALTHY. I'm not sure if this makes sense to anyone else, but having similar non-employer plans increase by 40% over 2 years does not make sense to me. The base line is increasing and there is no stopping it. Question to all those who dynamically oppose healthcare reform - how much do YOU pay per month? My guess is that all those who have been blessed with free or really low cost healthcare via union contracts, legislated benefits through town, county, state and federal goverments, Medicare, etc, could care less about those that are in our position.
     
  16. You have chosen to ignore posts from MrBostn. Show MrBostn's posts

    Re: How much do you pay for health care?

    Sole Proprietor here. So everything I pay for premiums (posted earlier) comes off the top of my income. Seems to me the LLC's get the shaft.  Not sure why you'd be an LLC unless you're in the real estate field.

     The so called limited liablity you "might" get is subjective. It's very easy to pierce the LLC veil. Better off being a C-corp or a SP.

    I may have to marry a corporate woman for health insurance ;)

    Used to be you'd marry for a green card, now you marry for insurance.

    Hang in there small business owners!

    The gov't doesn't understand that if they continue taxing small businesses, they'll stop hiring. SMB's hire a lot of people. It's us that need the tax breaks.

     
  17. You have chosen to ignore posts from e67. Show e67's posts

    "There really needs to be a honest discussion about why health care keeps going up so much." - mattygee

    Health care keeps going up because these DUPES writing in KEEP PAYING these outrageous monthly premiums.

    They have no savings to speak of.  Some of them will find themselves laid off in the near future with the next wave of unemployed.  Their hours are reduced, their coworkers are already boxing up their belongings because their employers no longer have customers, because the customers threw all of their money away on specious "health care" products and services and sky-high premiums to cover it all.

    All of you STOP BUYING THIS SH- and your health care will come down.

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

    Re: How much do you pay for health care?

    Cambridge, self-employed, BCBS, increase from $425 to $500 per month, with $25 copay, unneeded drug plan, no funds left over for actual health care
     
  21. You have chosen to ignore posts from dogwood. Show dogwood's posts

    Re: How much do you pay for health care?

    I paid $1185 per month and the new premium starting Nov. 1 will be $1485 per month no dental.  An increase of 22 per cent.  Since I really don't utilize my plan maybe it is time to stop giving Blue Cross my gift.  If Blue Cross changes the way it does business by giving a set amount of my health care dollars  to a pcp for the year, I will move out of state.  I do not pay my insurance monthly to gift a doctor of their choice my health care premium money  to deny me benefits if I need them.  This is absurd thinking. We, individuals, who pay those whooping premiums will leave blue cross for good.  I will get the lowest possible dollar plan inorder to get the reasonable and customary charge and I will fund the rest of my health care myself.
     
  22. You have chosen to ignore posts from redzone300. Show redzone300's posts

    Re: How much do you pay for health care?

    When wall st. stole all my retirement money and have not had a raise in 2 years actually took a pay cut ,my t pass when up, food went up with gas and never came down ,new taxes , I dont have a life just work to pay bill for a roof over my head. Healthcare has risen every year and I have to cut down on the coverage more I just going to drop it and show up at the emergency room oh sorry take an ambulance and claim I'm illegal alien . Thsi goverment is so corrupt it makes Mexico look like nirvana atleast you can pay off a cop for short money ,here their overpaid self righteous vessels of evil.
     
  23. You have chosen to ignore posts from FXO. Show FXO's posts

    Re: How much do you pay for health care?

    Yes, I'm fortunate to have health insurance but my deductibles and co-pays have gone up quite a bit. $750.00 to $1,500.00 for a hospital admission depending on the hospital. I never had to pay that before, but lucky me, hospitalized twice in one year, total owed to the hospital was $1,500.00. I had a colonoscopy, and because they found polyps, I had a co-pay of $500.00. If they hadn't found polyps, there would have been no co-pay. Does this make sense to anyone, because it doesn't make sense to me!
    Now a 10% increase in rates is coming! Get ready for higher deductibles and co-pays. That's my employer's way to compensate for the increase in rates.
    We need the public option. England did it right after WWII, not the best of economic times for them, but they did it, and we should too.
     
  24. You have chosen to ignore posts from dogwood. Show dogwood's posts

    Re: How much do you pay for health care?

    As I am reading what other people pay per month I don't understand how Blue Cross figures out that I should pay $1485 as a single individual with no dental.  Does anyone know how they came upon this ridiculous figure?  For two people we will pay $2970 a month.  This is highway robbery. No matter what I do now Blue Cross has gotten so much of my money already that this is a lose-lose situation for me.
     
  25. You have chosen to ignore posts from zootiechimp. Show zootiechimp's posts

    Re: How much do you pay for health care?

    you are lucky.

    In Response to Re: How much do you pay for health care?:
    [QUOTE]$10 co-pay, no deductable, employer pays 90%. Costs me about $1200 a year for HMO Blue.
    Posted by cuzinjo[/QUOTE]
     
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