The cost of medical/dental procedures

Discussion in 'The Lounge' started by sensless, Oct 5, 2017.

  1. Mikey22

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    Oh Where should I begin:D

    A good question. Wife showed me a Blue cross statement, from my kidney stone experience a few months back. Costed $56,000 That's almost a years salary for me. Thankfully I don't have to pay that much. I got a 80/20 plan through my work. Meaning I pay 20% And just the other day, got another $600.00 bill from the hospital.
    So it's going to be a while until my 20% gets paid in full.

    But it's bad how much medical care costs. 20 years ago I had a good health insurance plan, through my previous employer. It to was a 80/20 plan but it also had pharmacy, vision and dental, on the same plan. My premium was $56.00 a week. For a family plan. And had a $500.00 deductible, for each of us. And a $30.00 co pay, at the doctors office. My daughter was born and my wife survived a bout with ovarian cancer on this plan.
    Of course I'm like everyone else and is going to bitch about the 20% and the deductibles. But in hind site, I think this was the best plan I ever had.

    When I went to work, where I work now. We had choices of 3 different plans, all were 80/20 plans, and all were between $50 and $60.00 a week, for family plans. But dental and most vision, had to be a whole different plan all together, which sucked. The dental plan costs $11.00 week. You get your teeth cleaned twice a year, and it pays for minimal work as far as cavities and extractions. But everything else costs 50% up to a $1,000 maximum per year per family member. Which if you have good teeth. This ain't a bad plan.

    And my life was pretty good until 08. When my daughter got leukemia. For those that don't know, that shit is deadly. And that's when you move in to the hospital, and take up residence. With blood transfusions chemo around the clock, and later radiation. Throwing your guts up all the time. Your body shrinks away to under 90 pounds. You start wondering if your going to be planning a funeral soon.

    And all of this is going on when the great Obama takes office. And starts Fucking up the insurance industry. Some might think I hate Obama cause he's black, or he's a liberal, progressive or communist. The truth is when you see children in the hospital, fighting for there lives. And there parents loose there insurance over Bull shit politics. That's not right. Then many of them have to look to the charities to help them. Or wait on the Medicaid program to kick in.

    When she was first diagnosed with this. A social worker that worked at the hospital. Insisted that we go apply for social security/ Medicaid. I told her I made to much money for that. But she insisted.

    So me and my wife go down and apply. Spent probably 3 or 4 hours sitting around. Only to get denied, which I knew was going to happen. For Medicaid to work, I would have to cut back to working part time. And then I couldn't afford all the normal bills we all have.
    The crazy thing about it was. If me and my wife both worked and made what I was making, at the time. She would have been accepted.

    A lot of medical bills you can get back on your taxes. But that was another thing the unaffordable heath care act fucked with. You get back less now. And you take that money, and you pay on the current bills. And the cycle goes on and on.
    My daughters medical bills were in the millions. I think they must write off a lot of those bills, cause there was no way I paid 20% of that.
    She lived mostly in and out of the hospital for 3 years. And luckily she pulled through. But she lost what should have been some of the best years of her life.

    But back to the insurance. The three choices in major medical plans, shrunk to one. The premiums went up, the deductibles go up, and the coverage goes down. Today what once cost $56.00 week costs $126.00 week. I pay a higher premium, to get a lower deductible. Since we all seem to be going to the doctors more. Also the plan we have now. A lot of things have to be pre approved. And the doctor has to be in the network. The prescriptions have to be approved.

    And then there's the vision plan. Had to go through more crap, with the insurance company over that. I got bad eyes, and need a real eye doctor. Not some quack, that works at WallMart prescribing reading glasses. Luckily some of my eye needs fall under medical insurance.
    They sent us a list of doctors and places to get glasses, none of them was even in our state. WTF? Luckily after more research, we found a place. To get glasses. It just seems like as time goes on, you go through more and more Bull shit to get medical care. And of course it costs more.
    Though I do bitch about it. I also feel fortunate that I work for a company that does still provide insurance. Many people have lost there's and can't get care when they need it.

    My feelings on the subject is that the Government needs to get the fuck out of the way. So that insurance companies would have to compete with each other for our business, or for our employers business. Sort of the way car insurance and other kinds of insurance works.

    Over several years I've heard many stories about people coming to the US. For medical help. Many of them come from countries that has that socialized medical care.
    So I ask why? If that type of system is so good, why do they come here?

    And the answer is, it's because there not getting the care that they need. In there own countries.
    And with medical expenses sky rocketing, most likely because of government regulations. Insurance companies will continue to drop out. And the only one left to step in will be big government. And if the progressives and liberals get there way, that's exactly the way it will go. And what quality there is, in the American system will be eroded away.
    Well thats enough of my ranting on medical expenses for now. I'm sure others will have more.
     
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  2. sensless

    sensless Well-Known Member

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    Wow, Mickey! I'm so sorry your family has gone through these nightmares! Rant as much as you want! You're certainly entitled to.

    I can't even imagine going through all this. I hope your family is OK now.
     
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  3. sensless

    sensless Well-Known Member

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    Would anyone explain what is Medicaid? Mickey mentioned it on his post. I've googled it and understood it's a plan for very low income people and it covers everything, but medicine. So, you're still supposed to pay for it, but a lot less than another insurance. How much you pay depends on one's income.

    So, does it mean someone on medicaid has 100% coverage for medical/dental expenses? Does it really work?
     
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  4. afunk13

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    Medcaid is usually free for families that meet the income guidelines which is basically at or below poverty level. My family doesn't qualify because we make $35 over what they say we are allowed to make. It covers everything with no or very little out of pocket expenses. I would say the list of doctors is about the same as private or employer insurance. You do have to wait to get some procedures or specialists approved but it's better than most insurance out there I think. It does cover medicine but sometimes you have to pay some out of pocket.
     
  5. Mikey22

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    What you state here is what it is. It's the government plan, paid for with tax dollars. Usually from the state where they live, from what Iunderstand.

    Most people that's on it legitimately are disabled or disabled to a degree that they can't work a job. And live in poverty. Some choose to live that way, and work the system. So they don't have to work. Being poor in America is not like being poor in other countries. Many of them get government housing, and government assistance to help pay there bills. Or they get what they call food stamps. That they get there groceries with. And some get Wellfare checks, that they supposed to live on. All of the things here are a drain on the working tax payers.

    And that's why a government run health care system would not work. It would be a beast that would constantly have to be fed, by raising taxes. No amount of money is never enough to satisfy government.
     
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  6. sensless

    sensless Well-Known Member

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    Poor people here get also housing, the minimum wage and all medical expenses paid by us, the small working part of the population. There are those who really need it, but there are also many who abuse the system, like getting all the benefits, but doing undeclared work. Our politicians also cost us a fortune. I never mean, nor meant to criticise your system as in saying here it is better. I think yours is bad, but so is ours. Some things are better here, perhaps, just like some are better in the USA. Both need reforms. The first one, at least here, should be firing all the current politicians.
     
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  7. Mikey22

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    Yes we agree. Reforms and firing all the politicians, is a perfect place to start. Unfortunately that's not a reality.
    Term limits for all elected politicians, would be the way to go. Being a career politician should never be an option. Maybe 2 terms at the most.
    Then they should be kicked to the curb.
     
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  8. Dog_E_Ryder

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    Sorry about your bad times mikey:( glad to hear your daughter is doing better. Hopefully the dems and repubs will get together and actually come up with a way of fixing this system, I agree single payer system will lead to rationed healthcare. However the present system isnt working either. Something needs to be done it will be a hard fix.
     
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