Quote:
Originally Posted by dyna mo
You're distorting what I wrote and there has always been a price structure to insurance premiums, just as I pointed out earlier that senior citizens healthcare costs are 6x greater, their premiums don't reflect that whatsoever.
being insulin dependent for ~35 years, and all of the medical issues that brings, I would prolly have saved over that time if I had coverage. My monthly nut for med expenses would make most people nauseous. Hell, test strips are almost $1 each, I test my blood sometimes 10x a day. + syringes, + insulin (I use 3 different types of insulin a day, 1 of them is $275 a vial, I go through 2+ vials of that a month). Then there's the doctors and the required lab work they need/demand.
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Quote:
Originally Posted by kane
Having asthma I had a few options in the past. I could pay a huge premium that was over $1,000 per month and they could cover everything, or I could get a catastrophic policy that covered major things and pay for my asthma stuff on my own. I chose the later. My meds were about $200 a month if I bought them online (about $600 a month if I bought them from a pharmacy in the US) and I saw the doctor 2-3 times per year at about $250 a pop. It was cheaper to do that than pay the crazy premiums.
Now that isn't happening. My catastrophic policy was canceled because I am too old for it, but I was able to buy regular insurance for about $60 per month more that is actually pretty damn good. In the end Obamacare has worked for me. But I can see where it doesn't for others and it still does nothing to lower the overall cost of healthcare.
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Kane, Dyna Mo you guys have had some bad luck in your lives and I sympathize, but life has never been fair no matter how much the government tries to legislate it so.
I was a sick child (asthma as well) and was in and out of hospitals for years, my parents didn't have insurance and my father was trying to build his farming business at the time so it was a squeeze at times but they paid all of it, they would never have even considered that it was somebody else's responsibility to help pay for my care.
I'll never understand how anybody would think it's anybody else's responsibility outside of the family involved, but I guess that's why I've never been a member of the Democratic Party.
You guys are lucky in one way though... the aca is actually helping you so I can understand how you can be a bit ambivalent about the mandate and the other downsides to the law.
But look at it from my standpoint.
Under the aca my healthcare costs have gone from less than $2000 per year paying for my treatments and medications myself, to almost $10,000 per year for a combination of premiums plus still also having to pay for my treatments myself because of the $5000 deductible.
You guys are 2 of the winners in this, you now have insurance to cover your care, and believe it or not I think that's a good thing.
I just happen to be one of the ones that's feels he's getting fucked.