Hello There, Guest! (LoginRegister)

Post Reply 
Why do people pay insurance at all?
Author Message
Dasville Offline
Heisman
*

Posts: 7,796
Joined: Jan 2013
Reputation: 246
I Root For: UofL
Location:
Post: #1
Why do people pay insurance at all?
How much can they take away? How much treatment for medical conditions can they deny? I mean, your gaurunteed, a place to live and food. You will not lose Utilities. Education and for the kids. Do t even have to be American for all this. Circle a bubble and do what you like. Ain't that hard.
09-22-2017 03:55 PM
Find all posts by this user Quote this message in a reply
Advertisement


stinkfist Offline
nuts zongo's in the house
*

Posts: 68,975
Joined: Nov 2011
Reputation: 7073
I Root For: Mustard Buzzards
Location: who knows?
Post: #2
RE: Why do people pay insurance at all?
assuming health insurance, it depends if you enjoy rolling the dice with your life if you can still fit into your high school jeans along the way....

or if your genes are simply total dogshite.....

do you have kids....

chuck 'em and see if can hit the pass line acknowledging just those three w/o and feel secure....

then ask yourself, do I have to live in a trailer and become another subsidized victim or figure out how to float two mortgages AND suck corpshite 'murica's ****.....
09-22-2017 04:18 PM
Find all posts by this user Quote this message in a reply
Dasville Offline
Heisman
*

Posts: 7,796
Joined: Jan 2013
Reputation: 246
I Root For: UofL
Location:
Post: #3
RE: Why do people pay insurance at all?
(09-22-2017 04:18 PM)stinkfist Wrote:  assuming health insurance, it depends if you enjoy rolling the dice with your life if you can still fit into your high school jeans along the way....

or if your genes are simply total dogshite.....

do you have kids....

chuck 'em and see if can hit the pass line acknowledging just those three w/o and feel secure....

then ask yourself, do I have to live in a trailer and become another subsidized victim or figure out how to float two mortgages AND suck corpshite 'murica's ****.....

Common stink, it ain't that bad. You can still live large. And it ain't just my kids.....it's "our" kids. They will want for nothing. Me, I can get by just fine.
09-22-2017 05:04 PM
Find all posts by this user Quote this message in a reply
stinkfist Offline
nuts zongo's in the house
*

Posts: 68,975
Joined: Nov 2011
Reputation: 7073
I Root For: Mustard Buzzards
Location: who knows?
Post: #4
RE: Why do people pay insurance at all?
(09-22-2017 05:04 PM)Dasville Wrote:  
(09-22-2017 04:18 PM)stinkfist Wrote:  assuming health insurance, it depends if you enjoy rolling the dice with your life if you can still fit into your high school jeans along the way....

or if your genes are simply total dogshite.....

do you have kids....

chuck 'em and see if can hit the pass line acknowledging just those three w/o and feel secure....

then ask yourself, do I have to live in a trailer and become another subsidized victim or figure out how to float two mortgages AND suck corpshite 'murica's ****.....

Common stink, it ain't that bad. You can still live large. And it ain't just my kids.....it's "our" kids. They will want for nothing. Me, I can get by just fine.

lol....
09-22-2017 05:07 PM
Find all posts by this user Quote this message in a reply
Hood-rich Offline
Smarter Than the Average Lib

Posts: 9,300
Joined: May 2016
I Root For: ECU & CSU
Location: The Hood
Post: #5
RE: Why do people pay insurance at all?
(09-22-2017 03:55 PM)Dasville Wrote:  How much can they take away? How much treatment for medical conditions can they deny? I mean, your gaurunteed, a place to live and food. You will not lose Utilities. Education and for the kids. Do t even have to be American for all this. Circle a bubble and do what you like. Ain't that hard.
it's a good question, tbh

Sent from my SM-J700T using CSNbbs mobile app
09-22-2017 05:45 PM
Find all posts by this user Quote this message in a reply
Advertisement


chargeradio Offline
Vamos Morados
*

Posts: 7,492
Joined: Mar 2007
Reputation: 128
I Root For: ALA, KY, USA
Location: Louisville, KY
Post: #6
RE: Why do people pay insurance at all?
I had to ask that question myself this week. I slipped and took a hard fall on my knee while ashore in Nassau back in late February. When I got back, the pain became unbearable after a week, and by early March I had x-rays and a cardiovascular screening (I forget the exact name) to make sure I didn't have a clot in my knee. Everything came back negative, so basically I just had to keep icing it and try to stay off my feet.

I had seven months on that plan (an individual plan) at $320 per month. The tests and x-rays were $2,739 before insurance. I was just billed this week for the balance of $742. (7 x $320) plus $742 > $2,739.

Fortunately after changing jobs I am on an employer plan, but the damage to my wallet has already been done.

But thanks to the Democratic Party. I have to buy insurance to keep from paying $2,000-$3,000 in penalties. Remember, it's the highest of $695 per person, the annualized cost of a bronze plan, or 2.5% of AGI.

And that's why I'll never vote Democrat ever again. EVER.
09-22-2017 06:09 PM
Visit this user's website Find all posts by this user Quote this message in a reply
stinkfist Offline
nuts zongo's in the house
*

Posts: 68,975
Joined: Nov 2011
Reputation: 7073
I Root For: Mustard Buzzards
Location: who knows?
Post: #7
RE: Why do people pay insurance at all?
(09-22-2017 05:45 PM)Hood-rich Wrote:  
(09-22-2017 03:55 PM)Dasville Wrote:  How much can they take away? How much treatment for medical conditions can they deny? I mean, your gaurunteed, a place to live and food. You will not lose Utilities. Education and for the kids. Do t even have to be American for all this. Circle a bubble and do what you like. Ain't that hard.
it's a good question, tbh

Sent from my SM-J700T using CSNbbs mobile app

now you understand what some tell the IRS and why.....

many ways to play the game....
09-22-2017 06:12 PM
Find all posts by this user Quote this message in a reply
stinkfist Offline
nuts zongo's in the house
*

Posts: 68,975
Joined: Nov 2011
Reputation: 7073
I Root For: Mustard Buzzards
Location: who knows?
Post: #8
RE: Why do people pay insurance at all?
(09-22-2017 06:09 PM)chargeradio Wrote:  I had to ask that question myself this week. I slipped and took a hard fall on my knee while ashore in Nassau back in late February. When I got back, the pain became unbearable after a week, and by early March I had x-rays and a cardiovascular screening (I forget the exact name) to make sure I didn't have a clot in my knee. Everything came back negative, so basically I just had to keep icing it and try to stay off my feet.

I had seven months on that plan (an individual plan) at $320 per month. The tests and x-rays were $2,739 before insurance. I was just billed this week for the balance of $742. (7 x $320) plus $742 > $2,739.

Fortunately after changing jobs I am on an employer plan, but the damage to my wallet has already been done.

But thanks to the Democratic Party. I have to buy insurance to keep from paying $2,000-$3,000 in penalties. Remember, it's the highest of $695 per person, the annualized cost of a bronze plan, or 2.5% of AGI.

And that's why I'll never vote Democrat ever again. EVER.

sums up what pops explained about the 'why' 46 yrs ago at the dinner table.....
09-22-2017 06:13 PM
Find all posts by this user Quote this message in a reply
Hood-rich Offline
Smarter Than the Average Lib

Posts: 9,300
Joined: May 2016
I Root For: ECU & CSU
Location: The Hood
Post: #9
RE: Why do people pay insurance at all?
(09-22-2017 06:12 PM)stinkfist Wrote:  
(09-22-2017 05:45 PM)Hood-rich Wrote:  
(09-22-2017 03:55 PM)Dasville Wrote:  How much can they take away? How much treatment for medical conditions can they deny? I mean, your gaurunteed, a place to live and food. You will not lose Utilities. Education and for the kids. Do t even have to be American for all this. Circle a bubble and do what you like. Ain't that hard.
it's a good question, tbh

Sent from my SM-J700T using CSNbbs mobile app

now you understand what some tell the IRS and why.....

many ways to play the game....
if I have my own operation by a certain age I'll probably tell them to eff off. there's a point in life where the risk is worth it.

Sent from my SM-J700T using CSNbbs mobile app
09-23-2017 08:35 AM
Find all posts by this user Quote this message in a reply
Advertisement


stinkfist Offline
nuts zongo's in the house
*

Posts: 68,975
Joined: Nov 2011
Reputation: 7073
I Root For: Mustard Buzzards
Location: who knows?
Post: #10
RE: Why do people pay insurance at all?
(09-23-2017 08:35 AM)Hood-rich Wrote:  
(09-22-2017 06:12 PM)stinkfist Wrote:  
(09-22-2017 05:45 PM)Hood-rich Wrote:  
(09-22-2017 03:55 PM)Dasville Wrote:  How much can they take away? How much treatment for medical conditions can they deny? I mean, your gaurunteed, a place to live and food. You will not lose Utilities. Education and for the kids. Do t even have to be American for all this. Circle a bubble and do what you like. Ain't that hard.
it's a good question, tbh

Sent from my SM-J700T using CSNbbs mobile app

now you understand what some tell the IRS and why.....

many ways to play the game....
if I have my own operation by a certain age I'll probably tell them to eff off. there's a point in life where the risk is worth it.

Sent from my SM-J700T using CSNbbs mobile app

yup....I wish you nothing but best wishes with that moving forward.....

while it may be a small sample of power, it becomes power not having to subsidize the dipshites....

that's my fight for what I believe is right.....
09-23-2017 10:23 AM
Find all posts by this user Quote this message in a reply
Fo Shizzle Offline
Pragmatic Classical Liberal
*

Posts: 42,023
Joined: Dec 2006
Reputation: 1206
I Root For: ECU PIRATES
Location: North Carolina

Balance of Power Contest
Post: #11
RE: Why do people pay insurance at all?
If you have a family and responsibilities, having a level of insurance coverage is simply a necessary financial decision. The problem is that the costs of current policies do not reflect a good ROI due to the ACA creating a "bubble" in the insurance pools. We dumped 12 million people with preexisting conditions into the system...many of them the unhealthy poor. Thus...the rise in premiums.

It is the "what to do about it?" that is now the question. How do we give basic care to the underserved and keep the costs down for the rest of us.?

It seems clear that some type of single payer "basic" insurance is needed for everyone. We can fund this with small payroll tax or consumption tax. A basic plan (2 to 6 doc visits and drug coverage with low copays) should not be that expensive. Coverage above the basic plan should be handled by the marketplace. People should be able to insure themselves at the level of risk they can afford. The marketplace is perfectly capable of providing that level of insurance without government assistance. A catastrophic insurance plan should be available that has very high deductibles and low premiums. If I want to have a 50,000 dollar deductible in order to keep my premium low?...then I should be able to buy that policy. There should be a wide array of plans suited to the individual and allow competition for customers to keep costs down. This is Bismarck. This is what needs to be done IMO.
09-23-2017 10:30 AM
Find all posts by this user Quote this message in a reply
EverRespect Offline
Free Kaplony
*

Posts: 31,331
Joined: May 2012
Reputation: 1156
I Root For: ODU
Location:
Post: #12
RE: Why do people pay insurance at all?
(09-23-2017 10:30 AM)Fo Shizzle Wrote:  If you have a family and responsibilities, having a level of insurance coverage is simply a necessary financial decision. The problem is that the costs of current policies do not reflect a good ROI due to the ACA creating a "bubble" in the insurance pools. We dumped 12 million people with preexisting conditions into the system...many of them the unhealthy poor. Thus...the rise in premiums.

It is the "what to do about it?" that is now the question. How do we give basic care to the underserved and keep the costs down for the rest of us.?

It seems clear that some type of single payer "basic" insurance is needed for everyone. We can fund this with small payroll tax or consumption tax. A basic plan (2 to 6 doc visits and drug coverage with low copays) should not be that expensive. Coverage above the basic plan should be handled by the marketplace. People should be able to insure themselves at the level of risk they can afford. The marketplace is perfectly capable of providing that level of insurance without government assistance. A catastrophic insurance plan should be available that has very high deductibles and low premiums. If I want to have a 50,000 dollar deductible in order to keep my premium low?...then I should be able to buy that policy. There should be a wide array of plans suited to the individual and allow competition for customers to keep costs down. This is Bismarck. This is what needs to be done IMO.
Why is it a necessary decision. What if I refuse coverage and simply don't pay the bills? What can they do? I think that is the question.

And what you are suggesting does nothing to keep costs down. It doesn't matter who is paying for it when it costs $40,000 to spend 2 nights in a hospital, get a c section with a $500 scalple, and pop a $60 Aspirin every 3 hours. Until that is addressed, all Bismarck does is sweep sand from one side of the room to the other.

Sent from my SM-G955U using Tapatalk
(This post was last modified: 09-23-2017 10:40 AM by EverRespect.)
09-23-2017 10:35 AM
Find all posts by this user Quote this message in a reply
stinkfist Offline
nuts zongo's in the house
*

Posts: 68,975
Joined: Nov 2011
Reputation: 7073
I Root For: Mustard Buzzards
Location: who knows?
Post: #13
RE: Why do people pay insurance at all?
(09-23-2017 10:35 AM)EverRespect Wrote:  
(09-23-2017 10:30 AM)Fo Shizzle Wrote:  If you have a family and responsibilities, having a level of insurance coverage is simply a necessary financial decision. The problem is that the costs of current policies do not reflect a good ROI due to the ACA creating a "bubble" in the insurance pools. We dumped 12 million people with preexisting conditions into the system...many of them the unhealthy poor. Thus...the rise in premiums.

It is the "what to do about it?" that is now the question. How do we give basic care to the underserved and keep the costs down for the rest of us.?

It seems clear that some type of single payer "basic" insurance is needed for everyone. We can fund this with small payroll tax or consumption tax. A basic plan (2 to 6 doc visits and drug coverage with low copays) should not be that expensive. Coverage above the basic plan should be handled by the marketplace. People should be able to insure themselves at the level of risk they can afford. The marketplace is perfectly capable of providing that level of insurance without government assistance. A catastrophic insurance plan should be available that has very high deductibles and low premiums. If I want to have a 50,000 dollar deductible in order to keep my premium low?...then I should be able to buy that policy. There should be a wide array of plans suited to the individual and allow competition for customers to keep costs down. This is Bismarck. This is what needs to be done IMO.
Why is it a necessary decision. What if I refuse coverage and simply don't pay the bills? What can they do? I think that is the question.

Sent from my SM-G955U using Tapatalk

that = 1

#debtorsprison

welcome to the newest version of dippo hell......

the ones that 'can' got ****** up the arse......any simple minded person that has will saw that coming....

FK 'EM! is my response.....it's the 21st century Revolution!
09-23-2017 10:41 AM
Find all posts by this user Quote this message in a reply
Advertisement


Fo Shizzle Offline
Pragmatic Classical Liberal
*

Posts: 42,023
Joined: Dec 2006
Reputation: 1206
I Root For: ECU PIRATES
Location: North Carolina

Balance of Power Contest
Post: #14
RE: Why do people pay insurance at all?
(09-23-2017 10:35 AM)EverRespect Wrote:  
(09-23-2017 10:30 AM)Fo Shizzle Wrote:  If you have a family and responsibilities, having a level of insurance coverage is simply a necessary financial decision. The problem is that the costs of current policies do not reflect a good ROI due to the ACA creating a "bubble" in the insurance pools. We dumped 12 million people with preexisting conditions into the system...many of them the unhealthy poor. Thus...the rise in premiums.

It is the "what to do about it?" that is now the question. How do we give basic care to the underserved and keep the costs down for the rest of us.?

It seems clear that some type of single payer "basic" insurance is needed for everyone. We can fund this with small payroll tax or consumption tax. A basic plan (2 to 6 doc visits and drug coverage with low copays) should not be that expensive. Coverage above the basic plan should be handled by the marketplace. People should be able to insure themselves at the level of risk they can afford. The marketplace is perfectly capable of providing that level of insurance without government assistance. A catastrophic insurance plan should be available that has very high deductibles and low premiums. If I want to have a 50,000 dollar deductible in order to keep my premium low?...then I should be able to buy that policy. There should be a wide array of plans suited to the individual and allow competition for customers to keep costs down. This is Bismarck. This is what needs to be done IMO.
Why is it a necessary decision. What if I refuse coverage and simply don't pay the bills? What can they do? I think that is the question.

And what you are suggesting does nothing to keep costs down. It doesn't matter who is paying for it when it costs $40,000 to spend 2 nights in a hospital, get a c section with a $500 scalple, and pop a $60 Aspirin every 3 hours. Until that is addressed, all Bismarck does is sweep sand from one side of the room to the other.

Sent from my SM-G955U using Tapatalk

I fully agree that reduction of costs needs to be in the equation. What you describe is big part of the problems we have. Im not sure honestly where we go to make that happen. The entire system is messed up. Possibly more competition can help like it has for MRI's and other testing procedures. As for simply not paying?....I understand under our current paradigm that being a option..but..if you felt your coverage had a good ROI?...would you still consider that?
09-23-2017 11:26 AM
Find all posts by this user Quote this message in a reply
Dasville Offline
Heisman
*

Posts: 7,796
Joined: Jan 2013
Reputation: 246
I Root For: UofL
Location:
Post: #15
RE: Why do people pay insurance at all?
Student loan debt is the same
09-23-2017 11:27 AM
Find all posts by this user Quote this message in a reply
Fo Shizzle Offline
Pragmatic Classical Liberal
*

Posts: 42,023
Joined: Dec 2006
Reputation: 1206
I Root For: ECU PIRATES
Location: North Carolina

Balance of Power Contest
Post: #16
RE: Why do people pay insurance at all?
(09-23-2017 10:41 AM)stinkfist Wrote:  
(09-23-2017 10:35 AM)EverRespect Wrote:  
(09-23-2017 10:30 AM)Fo Shizzle Wrote:  If you have a family and responsibilities, having a level of insurance coverage is simply a necessary financial decision. The problem is that the costs of current policies do not reflect a good ROI due to the ACA creating a "bubble" in the insurance pools. We dumped 12 million people with preexisting conditions into the system...many of them the unhealthy poor. Thus...the rise in premiums.

It is the "what to do about it?" that is now the question. How do we give basic care to the underserved and keep the costs down for the rest of us.?

It seems clear that some type of single payer "basic" insurance is needed for everyone. We can fund this with small payroll tax or consumption tax. A basic plan (2 to 6 doc visits and drug coverage with low copays) should not be that expensive. Coverage above the basic plan should be handled by the marketplace. People should be able to insure themselves at the level of risk they can afford. The marketplace is perfectly capable of providing that level of insurance without government assistance. A catastrophic insurance plan should be available that has very high deductibles and low premiums. If I want to have a 50,000 dollar deductible in order to keep my premium low?...then I should be able to buy that policy. There should be a wide array of plans suited to the individual and allow competition for customers to keep costs down. This is Bismarck. This is what needs to be done IMO.
Why is it a necessary decision. What if I refuse coverage and simply don't pay the bills? What can they do? I think that is the question.

Sent from my SM-G955U using Tapatalk

that = 1

#debtorsprison

welcome to the newest version of dippo hell......

the ones that 'can' got ****** up the arse......any simple minded person that has will saw that coming....

FK 'EM! is my response.....it's the 21st century Revolution!

What we have is a clusterfck. The entire healthcare system and the insurance system is completely screwed up. When your damn premiums are approaching the amount of your mortgage? You are fcked.
09-23-2017 11:29 AM
Find all posts by this user Quote this message in a reply
Owl 69/70/75 Offline
Just an old rugby coach
*

Posts: 80,803
Joined: Sep 2005
Reputation: 3211
I Root For: RiceBathChelsea
Location: Montgomery, TX

DonatorsNew Orleans Bowl
Post: #17
RE: Why do people pay insurance at all?
(09-23-2017 11:26 AM)Fo Shizzle Wrote:  
(09-23-2017 10:35 AM)EverRespect Wrote:  
(09-23-2017 10:30 AM)Fo Shizzle Wrote:  If you have a family and responsibilities, having a level of insurance coverage is simply a necessary financial decision. The problem is that the costs of current policies do not reflect a good ROI due to the ACA creating a "bubble" in the insurance pools. We dumped 12 million people with preexisting conditions into the system...many of them the unhealthy poor. Thus...the rise in premiums.
It is the "what to do about it?" that is now the question. How do we give basic care to the underserved and keep the costs down for the rest of us.?
It seems clear that some type of single payer "basic" insurance is needed for everyone. We can fund this with small payroll tax or consumption tax. A basic plan (2 to 6 doc visits and drug coverage with low copays) should not be that expensive. Coverage above the basic plan should be handled by the marketplace. People should be able to insure themselves at the level of risk they can afford. The marketplace is perfectly capable of providing that level of insurance without government assistance. A catastrophic insurance plan should be available that has very high deductibles and low premiums. If I want to have a 50,000 dollar deductible in order to keep my premium low?...then I should be able to buy that policy. There should be a wide array of plans suited to the individual and allow competition for customers to keep costs down. This is Bismarck. This is what needs to be done IMO.
Why is it a necessary decision. What if I refuse coverage and simply don't pay the bills? What can they do? I think that is the question.
And what you are suggesting does nothing to keep costs down. It doesn't matter who is paying for it when it costs $40,000 to spend 2 nights in a hospital, get a c section with a $500 scalple, and pop a $60 Aspirin every 3 hours. Until that is addressed, all Bismarck does is sweep sand from one side of the room to the other.
Sent from my SM-G955U using Tapatalk
I fully agree that reduction of costs needs to be in the equation. What you describe is big part of the problems we have. Im not sure honestly where we go to make that happen. The entire system is messed up. Possibly more competition can help like it has for MRI's and other testing procedures. As for simply not paying?....I understand under our current paradigm that being a option..but..if you felt your coverage had a good ROI?...would you still consider that?

With Bismarck, "refuse coverage and simply don't pay the bills" doesn't really exist. And Bismarck fosters competition in ways that our current system stifles, both in health insurance and health care.
09-23-2017 11:33 AM
Find all posts by this user Quote this message in a reply
TigerBlue4Ever Offline
Unapologetic A-hole
*

Posts: 72,757
Joined: Feb 2008
Reputation: 5826
I Root For: yo mama
Location: is everything
Post: #18
RE: Why do people pay insurance at all?
(09-22-2017 06:09 PM)chargeradio Wrote:  I had to ask that question myself this week. I slipped and took a hard fall on my knee while ashore in Nassau back in late February. When I got back, the pain became unbearable after a week, and by early March I had x-rays and a cardiovascular screening (I forget the exact name) to make sure I didn't have a clot in my knee. Everything came back negative, so basically I just had to keep icing it and try to stay off my feet.

I had seven months on that plan (an individual plan) at $320 per month. The tests and x-rays were $2,739 before insurance. I was just billed this week for the balance of $742. (7 x $320) plus $742 > $2,739.

Fortunately after changing jobs I am on an employer plan, but the damage to my wallet has already been done.

But thanks to the Democratic Party. I have to buy insurance to keep from paying $2,000-$3,000 in penalties. Remember, it's the highest of $695 per person, the annualized cost of a bronze plan, or 2.5% of AGI.

And that's why I'll never vote Democrat ever again. EVER.

That's great but my question is why would have ever voted democrat in the first place?
09-23-2017 02:09 PM
Find all posts by this user Quote this message in a reply
Post Reply 




User(s) browsing this thread: 1 Guest(s)


Copyright © 2002-2024 Collegiate Sports Nation Bulletin Board System (CSNbbs), All Rights Reserved.
CSNbbs is an independent fan site and is in no way affiliated to the NCAA or any of the schools and conferences it represents.
This site monetizes links. FTC Disclosure.
We allow third-party companies to serve ads and/or collect certain anonymous information when you visit our web site. These companies may use non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) during your visits to this and other Web sites in order to provide advertisements about goods and services likely to be of greater interest to you. These companies typically use a cookie or third party web beacon to collect this information. To learn more about this behavioral advertising practice or to opt-out of this type of advertising, you can visit http://www.networkadvertising.org.
Powered By MyBB, © 2002-2024 MyBB Group.