Go Back   Great Lakes 4x4. The largest offroad forum in the Midwest > General 4x4 Stuff > Politics, Government, or Religion Chat
GL4x4 Live! GL4x4 Casino

Politics, Government, or Religion Chat Bring your flamesuit!







Search
Reply
 
Thread Tools
Old June 26th, 2009, 11:54 PM   #21
Monkeyevil
I <3 Miatas
 
Monkeyevil's Avatar
 
Join Date: 11-05-05
Location: Kalamazoo, MI
Posts: 8,983
iTrader: (16)
Mentioned: 1 Post(s)
Send a message via AIM to Monkeyevil
Default

How would a high deductible HSA hurt you? Even with a $5000 deductible, with 100% coinsurance you would be way ahead at the end of year.
__________________
JcrOffroad
Zoom Zoom!
Monkeyevil is offline   Reply With Quote
Old June 27th, 2009, 08:15 AM   #22
ovrlnd
HURL SCOUTS
 
ovrlnd's Avatar
 
Join Date: 03-23-07
Location: Westland, Michigan
Posts: 10,003
iTrader: (14)
Mentioned: 0 Post(s)
Send a message via AIM to ovrlnd
Default

Quote:
Originally Posted by Monkeyevil View Post
How would a high deductible HSA hurt you? Even with a $5000 deductible, with 100% coinsurance you would be way ahead at the end of year.
the proposed hsa at work was a $5k policy plus monthly premiums. my current yearly premium deductions prescriptions copays and visits are less than that per year. the hsa requires that I spend the $5k first while still paying a $260 +/- monthly premium before they cover anything. meaning that barring some catastrophe I am paying money in premiums for insurance that I am not even using. unless I misunderstood how it works I don't see how I could come out ahead by spending 5K out of pocket and paying them another 3k in premiums? I know this is where the plan will be going so i need to understand it all better.
ovrlnd is online now   Reply With Quote
Old June 28th, 2009, 07:03 PM   #23
Monkeyevil
I <3 Miatas
 
Monkeyevil's Avatar
 
Join Date: 11-05-05
Location: Kalamazoo, MI
Posts: 8,983
iTrader: (16)
Mentioned: 1 Post(s)
Send a message via AIM to Monkeyevil
Default

Well you were paying $725 per month for a total of $8700 a year, no matter what.

With an $5K deductible HSA at $260 a month you pay $3120 a year, plus up to $5,000 in your deductible.

So the most you ever will pay is $8,120 a year, the least is $3,120. Plus all the money you contribute to your HSA is tax deductible.
__________________
JcrOffroad
Zoom Zoom!
Monkeyevil is offline   Reply With Quote
Old June 28th, 2009, 07:32 PM   #24
Shotgun
I only wheel comps.
 
Shotgun's Avatar
 
Join Date: 12-06-06
Location: Howard City
Posts: 26,347
iTrader: (6)
Mentioned: 6 Post(s)
Default

I work at a hospital, the shitty part is the new grad doc's are getting pissed since they graduated and own hundreds of thousands in student loans. With all the unemployed coming in to be seen with ZERO insurance were not getting paid by most of the patients. Which leads to them not getting paid. Its getting to the point where we are also feeling the crunch of the economy. We forfeited our raises this year. Stopped our pension match and several other "fringe benifits" we had.
Shotgun is offline   Reply With Quote
Old June 28th, 2009, 08:04 PM   #25
ovrlnd
HURL SCOUTS
 
ovrlnd's Avatar
 
Join Date: 03-23-07
Location: Westland, Michigan
Posts: 10,003
iTrader: (14)
Mentioned: 0 Post(s)
Send a message via AIM to ovrlnd
Default

Quote:
Originally Posted by Monkeyevil View Post
Well you were paying $725 per month for a total of $8700 a year, no matter what.

With an $5K deductible HSA at $260 a month you pay $3120 a year, plus up to $5,000 in your deductible.

So the most you ever will pay is $8,120 a year, the least is $3,120. Plus all the money you contribute to your HSA is tax deductible.
correct. BUT work covers a major portion of the current plan premium. now since rates are going up they are most likely going to offer the hsa with no contribution on their end and let the employee pick up the entire tab costing me more money.

this would be fine with the exception that the benefits were part of compensation. with that gone if no pay increase happens I might have to start to search for different options in employers.
ovrlnd is online now   Reply With Quote
Old June 28th, 2009, 10:05 PM   #26
Sandals
Fucking Zen as Shit
 
Sandals's Avatar
 
Join Date: 11-05-05
Location: Lindenhurst, IL
Posts: 15,286
iTrader: (7)
Mentioned: 1 Post(s)
Default

Quote:
Originally Posted by clarkstoncracker View Post
With 28 people, (which we get a discount for group rates) it's over $800 per month for a family of four.

$5 gen
$10 name brand
$10 co-pay for a visit

no deductible
can you make me an "employee" and i'll cover my premiums?
Sandals is offline   Reply With Quote
Old June 28th, 2009, 10:18 PM   #27
C.K.
Dont Feed the Cyco
 
C.K.'s Avatar
 
Join Date: 11-05-05
Location: 48386
Posts: 17,301
iTrader: (21)
Mentioned: 4 Post(s)
Default

Quote:
Originally Posted by PeteC View Post
What I would like to see is a program of affordable, or government supplied, BASIC health care. Just basic. You feel sick, you go to a doctor.

You want more, get insurance through an employer or on your own, or get the money for electives.
I agree for children and the elderly. I think adults should be on their own to get some health care. We need to see why it is so costly and fix that problem.

Personally I am tired of my rates going up so Juan and Chiko can get into a gang fight and go to the emergency room and get fixed up.
C.K. is offline   Reply With Quote
Old June 28th, 2009, 10:27 PM   #28
Marine_mike
SNSHTF
 
Marine_mike's Avatar
 
Join Date: 03-09-08
Location: Mount Clemens/MI
Posts: 1,918
iTrader: (8)
Mentioned: 0 Post(s)
Default

I work in this fucking shitbox of a sand box and I have to buy my own insurance. I pay $700 a month for my family... and they don't even cover pregnancies. How the hell can an insurance company not cover pregnancy. I wonder if they cover the 'ol snip snip.... bet they do...lol
Marine_mike is offline   Reply With Quote
Old June 29th, 2009, 09:36 AM   #29
ovrlnd
HURL SCOUTS
 
ovrlnd's Avatar
 
Join Date: 03-23-07
Location: Westland, Michigan
Posts: 10,003
iTrader: (14)
Mentioned: 0 Post(s)
Send a message via AIM to ovrlnd
Default

Quote:
Originally Posted by C.K. View Post
I agree for children and the elderly. I think adults should be on their own to get some health care. We need to see why it is so costly and fix that problem.

Personally I am tired of my rates going up so Juan and Chiko can get into a gang fight and go to the emergency room and get fixed up.
the catch is that the plan for the government supplied care is to let the old die, and not waste money on those with treatable illness either.
ovrlnd is online now   Reply With Quote
Old June 29th, 2009, 09:46 AM   #30
Mr Toes - R.I.P.
November 7, 1958 - July 22, 2011
 
Mr Toes - R.I.P.'s Avatar
 
Join Date: 07-29-07
Location: Belleville Mi
Posts: 4,727
iTrader: (1)
Mentioned: 0 Post(s)
Default

Obama's plan is to make the insurance company's bigger and richer.
Mr Toes - R.I.P. is offline   Reply With Quote
Old June 29th, 2009, 02:17 PM   #31
dreezy
Haggard Fab
 
dreezy's Avatar
 
Join Date: 03-28-08
Location: Holland Mi
Posts: 9,913
iTrader: (7)
Mentioned: 15 Post(s)
Send a message via AIM to dreezy Send a message via MSN to dreezy
Default

Quote:
Originally Posted by Mr Toes View Post
Free enterprise, no way............................................... ..........................

Do you realize the government mandates you have insurance, and part of the Oblabla plan is to increase what they mandate you carry.

Insurance is part of the problem, not the solution....
If you cant see that my post had nothing to do with insurance and everything to do with making fun of the way you form every post, then you really are as big of an idiot as everyone thinks you are.

My health insurance is expensive no doubt. However its alot cheaper than paying out of pocket for all of my 7 month old sons pediatrician/random doctor appointments. As long as Health Insurance stays private and it isnt mandated, I have 0 issue with it.
If you dont like your current provider, do some research and bring it up to HR's attention.
dreezy is offline   Reply With Quote
Old June 29th, 2009, 02:49 PM   #32
Mr Toes - R.I.P.
November 7, 1958 - July 22, 2011
 
Mr Toes - R.I.P.'s Avatar
 
Join Date: 07-29-07
Location: Belleville Mi
Posts: 4,727
iTrader: (1)
Mentioned: 0 Post(s)
Default

Quote:
Originally Posted by dreezy View Post
If you cant see that my post had nothing to do with insurance and everything to do with making fun of the way you form every post, then you really are as big of an idiot as everyone thinks you are.

My health insurance is expensive no doubt. However its alot cheaper than paying out of pocket for all of my 7 month old sons pediatrician/random doctor appointments. As long as Health Insurance stays private and it isnt mandated, I have 0 issue with it.
If you dont like your current provider, do some research and bring it up to HR's attention.


You should see if your insurance has coverage for your thin skin issue....

Sounds like your wife is having an affair with your pediatrician, and funding it with your insurance company........................................... .....................

............Is..........the.........doctor........ .a........pediatrician..........slash........gynoc ologist..............he......he......he.......he.. ........
Mr Toes - R.I.P. is offline   Reply With Quote
Old June 29th, 2009, 06:19 PM   #33
aber61
Senior Member
 
aber61's Avatar
 
Join Date: 09-22-08
Location: Commerce Twp. Michigan
Posts: 6,073
iTrader: (3)
Mentioned: 2 Post(s)
Default

Quote:
Originally Posted by Mr Toes View Post
You should see if your insurance has coverage for your thin skin issue....

Sounds like your wife is having an affair with your pediatrician, and funding it with your insurance company........................................... .....................

............Is..........the.........doctor........ .a........pediatrician..........slash........gynoc ologist..............he......he......he.......he.. ........
Yes here you must bring thick skin and flamesuit... it says it in the title, if not enter at your own risk and leave with a bruised ego or feelings
aber61 is offline   Reply With Quote
Old June 29th, 2009, 07:36 PM   #34
kerryann
German cars are hot
 
kerryann's Avatar
 
Join Date: 11-05-05
Location: West Bloomfield
Posts: 11,418
iTrader: (3)
Mentioned: 1 Post(s)
Default

Our company has 3 options:
1. PPO-This is what I have. It is over twice the cost of the healthy blue living plan but I am not required to get referrals. The benefit of this plan was crystal clear when Mike's back became an issue. I could have let him claim workmans comp and he would have gotten 80% of his pay vs the 60% on short term disabiltity/50% on long term disability, and all of his medical costs would have been covered. With the PPO we were able to interview several surgeons and go with the plan that we felt most comfortable with. I also go see a specialist when I think I need to without having to go through any hassles. My most important benefit is that I choose my own doctors, so all of my doctors are native english speakers.
2. HMO- costs less than PPO and more than healthy blue living. You have to get referrals to specialists and you cant get multiple opinions.
3. healthy blue living- i almost chose this plan. It is significantly less than the regular hmo and ppo. I have seen a lot of people who complain about health care costs turn this plan down because they might have to diet or stop smoking.

If you look at the research on the uninsured and underinsured you will see that the number includes a significant amount of people who could afford health insurance and opt out because they are young/healthy and it also includes illegal immigrants. I personally don't think those two groups should raise my rates.

I am sorry but health care above and beyond emergency care is not a right. When did working for your services become an idea of the past? When I was growing up I was underinsured. My mom rarely took me to the doctor or dentist and she never looked to the government to help us.

Every Canadian I know does not see any benefit to paying out so much of their income in taxes and then receiving substandard care. My coworkers say that the specialists work for only 3 months out of the year and when they hit the max income they can make, they go play golf for the other 9 months. This means the waiting list to get to a specialist is months to years. Their remedy to the old is to let them die. My coworkers say that if their kids get seriously ill they bring them to the states.

I think we have a lot to lose with a universal health plan. I also think that if you have enough money to spend thousands of dollars a year on your vehicle (jeep) but you arent willing to invest in your most important asset, your health, your priorities are messed up!
kerryann is offline   Reply With Quote
Old June 30th, 2009, 08:28 AM   #35
ovrlnd
HURL SCOUTS
 
ovrlnd's Avatar
 
Join Date: 03-23-07
Location: Westland, Michigan
Posts: 10,003
iTrader: (14)
Mentioned: 0 Post(s)
Send a message via AIM to ovrlnd
Default

Quote:
Originally Posted by kerryann View Post
Our company has 3 options:
1. PPO-This is what I have. It is over twice the cost of the healthy blue living plan but I am not required to get referrals. The benefit of this plan was crystal clear when Mike's back became an issue. I could have let him claim workmans comp and he would have gotten 80% of his pay vs the 60% on short term disabiltity/50% on long term disability, and all of his medical costs would have been covered. With the PPO we were able to interview several surgeons and go with the plan that we felt most comfortable with. I also go see a specialist when I think I need to without having to go through any hassles. My most important benefit is that I choose my own doctors, so all of my doctors are native english speakers.
2. HMO- costs less than PPO and more than healthy blue living. You have to get referrals to specialists and you cant get multiple opinions.
3. healthy blue living- i almost chose this plan. It is significantly less than the regular hmo and ppo. I have seen a lot of people who complain about health care costs turn this plan down because they might have to diet or stop smoking.

If you look at the research on the uninsured and underinsured you will see that the number includes a significant amount of people who could afford health insurance and opt out because they are young/healthy and it also includes illegal immigrants. I personally don't think those two groups should raise my rates.

I am sorry but health care above and beyond emergency care is not a right. When did working for your services become an idea of the past? When I was growing up I was underinsured. My mom rarely took me to the doctor or dentist and she never looked to the government to help us.

Every Canadian I know does not see any benefit to paying out so much of their income in taxes and then receiving substandard care. My coworkers say that the specialists work for only 3 months out of the year and when they hit the max income they can make, they go play golf for the other 9 months. This means the waiting list to get to a specialist is months to years. Their remedy to the old is to let them die. My coworkers say that if their kids get seriously ill they bring them to the states.

I think we have a lot to lose with a universal health plan. I also think that if you have enough money to spend thousands of dollars a year on your vehicle (jeep) but you arent willing to invest in your most important asset, your health, your priorities are messed up!
when I worked downtown detroit I had hired a couple of canadian ladies. they said the healthcare in canada sux balls and they hated it. they also said the nice thing about living in windsor is that if you get pregnant you can come over here when the baby is about due and have it here. why? they said better health care, wouldn't have to pay and the child get automatic dual citizenship. nice.

currently on BCN for the last several years and like it a lot. my prescription writer is top notch and I have no complaints. makes me want to work hard to ensure I keep this benefit.
ovrlnd is online now   Reply With Quote
Old June 30th, 2009, 10:17 AM   #36
dreezy
Haggard Fab
 
dreezy's Avatar
 
Join Date: 03-28-08
Location: Holland Mi
Posts: 9,913
iTrader: (7)
Mentioned: 15 Post(s)
Send a message via AIM to dreezy Send a message via MSN to dreezy
Default

Quote:
Originally Posted by Mr Toes View Post
You should see if your insurance has coverage for your thin skin issue....

Sounds like your wife is having an affair with your pediatrician, and funding it with your insurance company........................................... .....................

............Is..........the.........doctor........ .a........pediatrician..........slash........gynoc ologist..............he......he......he.......he.. ........

All I was saying is your anoying.... with your... in every post... where your not really saying... anything...

As far as my wife and my pediatrician? Im not married but the pediatricain is female, so if that is the case, there better be video...
dreezy is offline   Reply With Quote
Old June 30th, 2009, 10:43 AM   #37
Mr Toes - R.I.P.
November 7, 1958 - July 22, 2011
 
Mr Toes - R.I.P.'s Avatar
 
Join Date: 07-29-07
Location: Belleville Mi
Posts: 4,727
iTrader: (1)
Mentioned: 0 Post(s)
Default

Quote:
Originally Posted by dreezy View Post
All I was saying is your anoying.... with your... in every post... where your not really saying... anything...

As far as my wife and my pediatrician? Im not married but the pediatricain is female, so if that is the case, there better be video...

O.K.
Mr Toes - R.I.P. is offline   Reply With Quote
Reply
Great Lakes 4x4. The largest offroad forum in the Midwest > General 4x4 Stuff > Politics, Government, or Religion Chat
Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump



All times are GMT -5. The time now is 03:59 PM.


Powered by: vBulletin, Copyright 2000 - 2012, Jelsoft Enterprises Ltd.
User Alert System provided by Advanced User Tagging (Lite) - vBulletin Mods & Addons Copyright © 2014 DragonByte Technologies Ltd. Runs best on HiVelocity Hosting.
Copyright 2005 - 2012 Cracker Enterprises - Powered by Linux
vB Ad Management by =RedTyger=
Page generated in 0.24488 seconds with 44 queries