Health insurance

[Baggy]

NHS. It's not perfect, but it works.

[guncrasher]

my insurance has been going up at the same rate for the past 7 years and not because "some new law was passed".  since I have been allowed to put my son (he's 22 now) 3 years ago my insurance has been going up about 20 or 20 bucks a year.  I think the op was interested more in knowing if the insurance as been going up at the same rate as in past years of if it took a big jump or went down in the last couple.

at my work some people whine and complain about how much we pay.  the top choice is about 250 a month for a family with a husband, wife and 1 or more kids.  30 dollars office visits and 10 dollars for each prescription.  we also have a clinic at work where we have no copayment. when I worked at my last job that offered insurance  back in 98 I paid around 400 bucks for me,  wife and 3 kids.

I am lucky that at my pay rate it takes less than 8 hours to pay for my health insurance.  my company offers free dental and vision benefits along with life insurance and add&d.  btw my company has about 1100 employes.


semp

[68ZooM]

Nevermind I'm about finished with this place......

[zack1234]

What happens if you lose your job guncrasher?

[USRanger]

There was no reason for premiums to go up.  These slimy insurance companies used this for an excuse to increase profits knowing the average joe would believe it was the law's fault.  Same game oil companies use to jack up prices when the wind blows the wrong way in Saudi.

[zack1234]

There was no reason for premiums to go up.  These slimy insurance companies used this for an excuse to increase profits knowing the average joe would believe it was the law's fault.  Same game oil companies use to jack up prices when the wind blows the wrong way in Saudi.

How dare you!

[CAP1]

There was no reason for premiums to go up.  These slimy insurance companies used this for an excuse to increase profits knowing the average joe would believe it was the law's fault.  Same game oil companies use to jack up prices when the wind blows the wrong way in Saudi.

i got no problem with companies making profits. but there is a difference between profiting, and gouging. insurance companies have been gouging for a very very long time.

EDITED TO REMOVE LINK. if you want link, message me(if that's allowed?)

 as for oil prices? that's the fault of futures traders mostly. but that would deserve its own thread.

[mthrockmor]

I have a Health Savings Account, meaning I pay everything out of pocket, first $5,600 a year. After that the HSA pays every penny up to $5 million a year. I've had this HSA for my small family for 6-years. In those 6 years we exceeded the $5,600 once, by about $2,000. That means they paid the $2,000, not us.

My monthly premiums went up to $745 a month, from $471. That is a 58.17% increase. Not thrilled about it at all. That is essentially a new, mid-priced car payment a month. All for the same coverage.

 

[pembquist]

i got no problem with companies making profits. but there is a difference between profiting, and gouging. insurance companies have been gouging for a very very

You bring up a question I've never been able to adequately answer, which is: what is the difference between a fair profit and gouging? I feel like I know it when I see it but that's about it. Extortion seems clearer but the guy selling water for 10 dollars a gallon after a hurricane probably thinks he is earning an honest living while I would tend to think he is a s. bag. Sorry for off topic.

[mthrockmor]

See Rule #14

[Megalodon]

Rather pay the fine than be told what to do ....

[guncrasher]

What happens if you lose your job guncrasher?

most liked they will hire somebody to replace me.




semp

[CAP1]

You bring up a question I've never been able to adequately answer, which is: what is the difference between a fair profit and gouging? I feel like I know it when I see it but that's about it. Extortion seems clearer but the guy selling water for 10 dollars a gallon after a hurricane probably thinks he is earning an honest living while I would tend to think he is a s. bag. Sorry for off topic.

 i'll use a local example of gouging.

 remember hurricane irene? well, originally, she was supposed to hit cape may head on. they evacuated. i had to drive down there the night before to remove some of our (CAP) assets from cape may county airport. gas down there was about a buck a gallon more than it was up here, only 50 miles away. that's gouging.

 in the insurance industry, i'd say that it would be more of a simple raising of rates, if nothing else has changed except that it's now required by law. i'd also say that when you purchased a policy that's supposed to cover XXX, then suddenly when you try to use it for that coverage, and they go out of their way to find a way to not pay out, or pay less than agreed....that i believe is a form of gouging too.

 BTW.....when i drove down to cape may that night....i felt like i'd driven through a time tunnel back into 1979, with the long lines to get gas.

[Randy1]

One thing to note, the more people without any kind of insurance the higher health care cost will be.  Rural hospitals are going under at an alarming rate.  Our hospital is the only one left open in this tricounty area.

My wife works in the business office of our hospital.  They fight day to day to keep the doors open.  Several times employees spent their own money to buy copy paper and even monitors for their PCs.  Many layoffs have happened to just try to keep going.

Biggest problem, the uninsured. 

[zack1234]

All the uninsured people only have themselves to blame?


Being poor is not a crime

Selfishness is