How did that happen?
I guess some of the time was chewed up dealing with trying to find health insurance. What a nightmare!
Transitioning from the Obscenely expensive COBRA Plan to something less obscene isn’t as easy as you’d think it would be.
I can’t imagine what people do. I’ve been quoted as much as 1200 a month.
I’m Healthy!
But due to my age and the fact that I’m actually addressing some of the age related issues, health insurance feels that they need to rape me.
When one of them quoted me $1200 I lost it. I mean really? That’s my house payment! It’s also 600 a month more than COBRA.
Then theres the HIPAA plan which is supposed to make sure that everyone has access to health insurance. And it does that…. At rates that are more obscene.
Basically I’ve been quoted rates form 202.00 a month to 1200 a month.
How the hell is that reasonable? I’m looking for nothing more than the ability to go to my doctor, keep getting the prescriptions that I need, and have hospital coverage. I see my doctor maybe twice a year and haven’t been in a full on hospital since I was 16.
I’ve had minor outpatient surgery once in the last 4 years and that was to tend to an issue before it became a problem… You know, the way it’s cheaper and easier to replace your brake pads before they destroy your brake drums or rotors on your car. No reason we shouldn’t look at our bodies the same way. Fix minor stuff while it’s minor. Dental care is a prime example. Get the filling… before you need the root canal. It just makes good sense.
I find myself wondering, is this yet another situation where my having been a responsible individual is screwing me?
Because I’ve taken care of myself and work at remaining healthy, am I paying the price for all those people who haven’t?
I can’t even explain how frustrating this is.
Ironically, the most expensive of the insurance options is the HIPAA plan. HIPAA stands for the Health Insurance Portability and Accountability Act of 1996.
In what reality can someone coming off of COBRA possibly still unemployed, or returning to the workforce in a part time position or to a company that doesn’t provide group insurance afford 700 – 1200 a month in health insurance?
COBRA and HIPAA are the two main reasons that I question the efficacy of the Obama Care plan.
Both of these “services” are made available and administered due to government intervention and regulation.
Yet they are without question the most expensive options. It’s a pretty funny racket too. Before you’re eligible for HIPAA you have to exhaust your COBRA benefits. After exhausting your COBRA benefits then you get to pay higher rates to maintain a HIPAA plan.
It doesn’t make any sense at all since our politicians run around wringing their hands about how “Our Children” don’t get the care they’re supposed to.
Those same politicians seek to criminalize the lack of health care insurance but at the same time they do nothing to reduce the cost of the government mandated plans.
Better questions are why does health insurance cost so much? What is driving that cost?
Why can I go see a doctor pay cash for his services and pay less than the negotiated insurance rate? Why do doctors and hospitals always charge the maximum negotiated rate to Insurance providers?
Is it really all about the administration costs that doctors incur, while insurance companies screw around trying to deny claims?
If that’s the case then the problem isn’t the cost of services being rendered. The problem is that the patients, AKA consumers are caught in the middle.
Perhaps the solution isn’t a 16 trillion dollar health care plan that just stokes the fire allowing more and more abuses driving the cost of even basic services up. Perhaps the solution is to terminate all health care insurance.
We’ve seen what happens when an artificially inflated price for goods or services collapses. It was called the housing bubble. Maybe it’s time for a similar “correction” to happen in healthcare and health insurance.
I can tell you that if my only choice is a 1200 a month health care policy, the insurance companies can put it where the sun don’t shine.
I’ll go without insurance pay straight up for my doctor, and the prescriptions I need and if it comes to me being hospitalized I’m guess I’m going to die.
After all I’m just a useless, misogynistic, testosterone poisoned, moronic, dumbshit, racist, republican, gun totin, white man, who’s responsible for the oppression of all the other races, global warming, inflation, and who deserves to die horribly.
Isn’t that the Über Liberal party line? Did I get it right?
If Obama wants to criminalize me for not having medical insurance… well he can come and arrest me.
At least then, I’ll have 3 hots & a cot… ohhh and state supplied health care.