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General Health Care/Health Cost thread


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6 minutes ago, Sawbonz said:

I have never taken the time to try it, but it looks like in Texas at least if the cash price you pay for a covered service is less than the in network allowable, you can submit the receipt to the insurance company and have them apply it towards your out-of-pocket

That is extremely useful information. Thanks.

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18 hours ago, Nice Guy Eddie said:

But there are also surveys where a high percentage of people rate their insurance as excellent or good. It’s like Congress ratings. People universally hate Congress but a majority like their own rep.

and while many seem to want Medicare for all, Medicare is really great because it’s highly subsidized by younger taxpayers. I’ve never seen one analysis that describes the costs of all of those younger people being moved into Medicare. Not to mention that Medicare would need to open up more coverage for areas that they never/rarely cover like pregnancies or children’s health.

and finally hospitals and doctors depend on the higher reimbursements from insurance other than Medicare and Medicaid. We can tell them to suck it up and accept less revenue but there are negative impacts to Medicare for all.

Exceptional people should be able to create an exceptional health care system for its people. It remains to be seen if the negative impacts of Medicare for all outweigh the positives.

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3 hours ago, Satchel said:

Exceptional people should be able to create an exceptional health care system for its people. It remains to be seen if the negative impacts of Medicare for all outweigh the positives.

A key component would be how is the situation handled when someone WANTS to stay out of Medicare for All. Will they be given a tax break or refund if they pursue health coverage on their own, or through their employer? I'm not asking you for the answer but I'm curious if this is optional or the only method for coverage.

Personally I don't think that I've ever had insurance coverage through my employers that is worse than Medicare. Why should I switch to have worse coverage?

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43 minutes ago, Nice Guy Eddie said:

A key component would be how is the situation handled when someone WANTS to stay out of Medicare for All. Will they be given a tax break or refund if they pursue health coverage on their own, or through their employer? I'm not asking you for the answer but I'm curious if this is optional or the only method for coverage.

Personally I don't think that I've ever had insurance coverage through my employers that is worse than Medicare. Why should I switch to have worse coverage?

I think one key component to all "universal healthcare" plans is that employer-sponsored insurance will no longer be a thing.  So you'll be paying full-boat, not some percentage of the actual cost.

And, like most general-welfare things, property taxes, etc., opting out is probably not going to give you a tax break.

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1 hour ago, Nice Guy Eddie said:

A key component would be how is the situation handled when someone WANTS to stay out of Medicare for All. Will they be given a tax break or refund if they pursue health coverage on their own, or through their employer? I'm not asking you for the answer but I'm curious if this is optional or the only method for coverage.

Personally I don't think that I've ever had insurance coverage through my employers that is worse than Medicare. Why should I switch to have worse coverage?

You couldn’t be allowed to opt out, it wouldn’t work.  There would be supplemental plans from private insurers.  And I’m sure cash pay concierge doctors would become more popular.

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16 hours ago, TwiceHorn said:

I think one key component to all "universal healthcare" plans is that employer-sponsored insurance will no longer be a thing.  So you'll be paying full-boat, not some percentage of the actual cost.

And, like most general-welfare things, property taxes, etc., opting out is probably not going to give you a tax break.

 

16 hours ago, Snake Diggity said:

You couldn’t be allowed to opt out, it wouldn’t work.  There would be supplemental plans from private insurers.  And I’m sure cash pay concierge doctors would become more popular.

You do know that over 50% of senior citizens use a Medicare advantage plan which is a private insurance plan except it just has the name Medicare in it. It’s branded as Medicare and has nothing to do with govt other than they approved of the plan. And this is the direction that more and more senior citizens are going because of costs. Govt run Medicare is too expensive for them.

If Medicare for all is actually Medicare Advantage for All, it’s no different than calling it Cigna (or Blue cross) for All.

and FYI, Medicare advantage plans are considered much worse than traditional Medicare from a care perspective.

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9 minutes ago, Nice Guy Eddie said:

 

You do know that over 50% of senior citizens use a Medicare advantage plan which is a private insurance plan except it just has the name Medicare in it. It’s branded as Medicare and has nothing to do with govt other than they approved of the plan. And this is the direction that more and more senior citizens are going because of costs. Govt run Medicare is too expensive for them.

If Medicare for all is actually Medicare Advantage for All, it’s no different than calling it Cigna (or Blue cross) for All.

and FYI, Medicare advantage plans are considered much worse than traditional Medicare from a care perspective.

Saying Medicare Advantage plans have nothing to do with the government is a highly misleading statement. They are funded by the government and overseen by CMS. There’s a lot of government involvement in those plans.

Otherwise, yes, I agree that Advantage plans are a scam to funnel money from public good to private enterprise and shareholders. My parents are on traditional Medicare and my in-laws have a Medicare Advantage plan and the experiences between the two when it comes to access and quality of care could not be more different.

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