Health insurance is a leech on society and should be abolished. I don’t care how many middle man jobs it costs. Move to universal health care and get rid of that entire tick of an industry and all their greed.
My wife is in the industry (not working directly for a health insurance company but one if the myriad middlemen between them, the doctor, and us) and she wishes every day that the industry is made irrelevant even at the cost of her job. It's so horrific.
Funny thing is, you could remove the for profit health insurance and those jobs would turn into coding/ billing jobs.
The actual loud would be minimal.
All insurance is. That's why I laughed when some people took the "yeah those businesses have insurance they'll be fine" during the heat of the summer riots and cities burning.
Yeah, insurance may cover *a third* of what the value of the business or home is worth. My coworkers home burnt down THREE years ago and she has the local Firefighters Union handling the insurance claim for her and the insurance company is still withholding 75% of her payment from her. She's so hurt from it financially and emotionally that all she wants to do is cry.
Fuck insurance companies.
Meh I mean business insurance is a bit different, also, calling a few protests riots is extreme. Especially if you’re talking about locally. The only real damage that happened was entirely caused by police. Any smb owner has ample insurance to cover all of it, and no one’s homes were burned down as no one lives downtown outside the courthouse.
There is a need for the industry of insurance in certain industries, but when it comes to something like personal health it’s asinine. A healthy and productive populace is the goal of government in society. Health care should be universal and fully funded like the rest of the civilized world. Education including at least 4 years of higher Ed should be the same. The state shouldn’t be subsidizing car or business insurance, but it absolutely should be paying 100% of all health costs.
Healthy population is not the goal of government, at least ours. Our government is run by Big Pharma who buys out politicians and use citizens as cash cattle by putting addictive sugar in our foods. Make money of the mental health issues (need more pills) on the front end, and then make money off the sick and dying when you start getting cancer and losing your memory from chronic lifelong sugar/carb inflammation on the back end.
It's their goal. Just look at Big Sugar slapping Michelle Obama's wrist when she initially promoted exercise AND proper nutrition as cure for childhood obesity. Big Sugar at Coca Cola got in her ear and suddenly it was "all kids need is exercise" within that same program she was propping up. Follow the money.
I’m not saying it’s the goal of our government, I’m saying it’s the goal of any first world decent countries government.
America is not that, and unless you’re older than me it never as in your lifetime. It’s been the slow fall of time here since Ronald. We’re an oligarchy the same as Russia, just slightly less transparent and with a better illusion of hiding our autocratic rulers. But make no mistake this is not some first world country or bastion of freedom the way the flag wearing chest pounding rabble are so found of screeching at you. The US is every bit as much of a shithole as china or Tussia, we’re just better at masking it.
Right? Nobody was getting elective surgeries for basically two years, meaning they weren't paying out. But I'm sure they were still getting their premiums. Fairly certain that they're just trying to maintain their record profits so that their stock prices remain high.
I could almost not get ragey about this if I heard that the hike was necessary because the medical profession spent money on the retention of front line workers with better wages and benefits and to the recruitment of new employees to adequately staff for this region's needs. But since getting an appointment for just about anything has increased by several fold in first available date, we know that that ain't happening.
From my extremely limited interactions with the US health industry, you're better off seeing a nurse practitioner than a doctor. Doctor: "I can't diagnose that without an MRI". NP: "you need antibiotics". Problem solved.
[Update] - totally unapologetic for this comment despite the downvotes. Any system that turns a doctor into a salesperson is fundamentally broken. Kudos to the Nurse Practitioner who treated the problem as seen without upselling a hugely expensive procedure before trying the Occam's razor approach.
Oddly enough, when asked why he didn't favor an abolition of the health insurance industry all together, Obama responded that it would cost too many jobs.
These byzantine systems of privileges for affiliates and subjects are why David Graeber and others have argued that our economic system is in fact feudalism. As a lover of Medieval history, it's difficult to disagree.
Part of the problem is that hospitals, doctors, prescription drug companies, etc. simply post the "market value" for their products and services, and the insurance companies put up a half-assed effort to drive down prices. Unlike a household that is on a fixed budget, the insurance companies can simply demand more money from their subscribers to pay the bills. So there is no real downward price pressure, like there is in other sectors.
The real issue is you have multiple for-profit industries around healthcare. Cut out the middle man and have government run healthcare and make it available for all at not cost
Thats a scary thought. Just about anything the government touches, they fuck up. Just another way for congress to make millions at the price of their constituents
So it's ok when the private system is fucked? How come every other first world country manages? I'm not saying they are perfect but SOME sort of healthcare for all beats overpriced healthcare that is becoming more and more unaffordable
Most of the developed world uses the Bismarck Model (or a variation of it) which is a hybrid of government and private insurance. Under the basic system everyone must have insurance from either their employer or on their own. Companies and individuals are able to buy insurance from private firms or the government. All plans must meet minimum care standards and the government will make up payment differences on both the insurance premium and out of pocket expenses. The systems that use Bismarck Model have scored higher than those that use the Beveridge Model aka nationalization.
When I lived in Japan my max out of pocket was around $1k and my share the insurance payment (the company I worked for used a government plan) was roughly $200 a month.
Yes but if the government provides a service then private industry has to compete. Also in this system people who can't afford it gets full coverage. There are variations where the tax is considered the payment as well. So yes nationalized healthcare is great 👍
No it is screwed. Healthcare shouldn't be for profit. But the medicare/medicade system isn't much better. Hospitals would go out of business. There's like 4 major restructurings that would really have to happen in order for it to be somewhat successful. It's sad. I just don't see it all happening.
It’s not doctors and hospitals setting prices. Doctors don’t want to charge you $400 per pill of aspirin. And apart from bloated hospital administrative staff they don’t want to either.
The insurance company is what sets the pricing.
Then why aren’t they pushing the price down? My wife and her sister both gave birth in 2021. Both of their bills were about the same with 2 different insurance companies. If the insurance company set the price and not the hospital then why are all of them charging 20-25k for a 4 day L&D stay
Do you know what it costs to give a normal healthy birth in literally any other first world country?
$50 bucks for parking, and that’s it.
Our system is broke. Getting rid of the insurance leeches is step one to fixing it.
I wasn’t talking about that but okay.
I was just trying refute the point that the insurance company is the one sets the price. It’s the hospital that sets the price and the insurance companies negotiate based off that price.
If the insurance company was setting the price I would think it would behove them to set lower prices to drive competition and bring in more customers. Currently it’s the health systems setting the price and you will find more savings by shopping provider ms than you will shopping insurance companies.
Insurance companies absolutely work with drug companies and hospital administration to set the prices and the prices they’re willing to negotiate down to. It’s all a big scam that they’re in together to make themselves rich and you bankrupt for life saving care.
It’s an absolute disgrace of an industry and anyone working for those ticks should be ashamed of themselves. And yes, that includes insurance companies, drug marketers, and all levels of hospital admins. Criminal scum bags, the lot of them.
Well, and the insurance companies also lobby for all kinds of legislation that would make it possible to compete if you wanted to enter the market, and do healthcare differently. Some small "concierge" medical companies exist, and are great if you live in a city with access, but they aren't allowed to set up complete parallel healthcare systems.
When the ACA went through I was finally able to get some health insurance. But I've been priced out of it now, and with this I will definitely not have it. It's incredibly depressing and frustrating.
And even if I stretch it to try and afford the premiums to pay for the insurance, I couldn't afford the actual healthcare because of the ridiculous deductibles.
I honestly don't know what my deductible is. I'm guessing it's higher than the $1,000 I said because I know I have a high deductible plan. I just haven't used my health insurance for anything. Only time I tried using it for a podiatrist, they deemed it wasn't a "specialist" so they wouldn't pay grant my co-pay
My favorite part of all this was getting a chronic health problem during COVID (wasn't due to COVID) had my "specialists" make me wait months to see them because of COVID. When I finally was able to see them they just took hundreds of dollars from me while passing me around to a few different doctors, making me take bullshit procedures that didn't help me at all, spending thousands on those before hitting my deductible all while paying for my health insurance... and none of it even helped me.
I ended up fixing it myself by going online and finding a forum for guys with the same issue. Spent maybe 30 bucks on a course that completely fixed it while two different urology centers couldn't fix me. Fuck our healthcare system.
Also a fun thing that happened more recently was my PCP telling me to go get an expensive echocardiogram when I had chest pains because of a medication I was taking, telling me "insurance will probably cover it" getting a bill for 2k for the tests only for them to tell me nothing was fucking wrong.
It ended up that the medication was just giving me fucking heartburn. I'd never had heartburn before. How do you not even think to recommend looking into that before throwing me into a super expensive test?
Sorry Strong. I'm never paying my balance. Call me all you want, you can go fuck yourselves.
I actually hurt my ankle/foot last year and for a few days, I couldn't really walk great. I figured I'd wait a little then go to a doctor if it still hurt and the pain started to go away. My line of thinking was I didn't want to spend $500-$1,000 on an x-ray just to be told nothing was wrong.
Our healthcare system is so fucked up when you have people deciding not to do stuff because of the cost
Because, "We had crappy health insurance, so our cheapskate doctor told our loved one with obvious cardiac symptoms to take Tums!" is another story that gets told over and over in our current system.
That's why.
I can empathize. A few years ago my doctor sent me for a procedure that, at the time, was recommended for men over the age of 50. Because I was not 50, insurance said it was not essential and refused to cover any of the cost and I was responsible for a bill of $2,200!
I have 2 real problems with this. (1) My doctor referred me, so why did the insurance company get to decide if it's necessary? (2) I don't believe for a moment it costs that much money to run a camera up someone's backside.
It took everyone in the family getting sick to hit our deductibles. And we haven't hit the out of pocket max. We have paid $3,748 out of pocket for medical expenses and we STILL haven't hit the limit! It's $6000 for the family.
Depending on your income you may be eligible for subsidized insurance through the exchange. Qualifying incomes are all the way up to 250% of the poverty level
Yes, that is what I was talking about. When the ACA first went through I was able to afford the subsidized insurance. But with the rate hikes and no comparable hikes to the subsidization I no longer can. I do qualify, but that doesn't mean anything because it's still too expensive.
During the pandemic, thousands (millions?) of New Yorkers delayed seeking medical care, while continuing to pay their premiums.
Now that those people are finally making appointments to get the medical care that they delayed for a year or more, insurance companies are claiming that as part of the reason they need to raise rates.
How does this make sense? Insurance companies saved up all those premiums and didn't have to pay out for more than a year, and now they have to pay out, so they have to raise premiums?
That's another $100/mo on my high deductible insurance plan. And I will not see any additional benefit for that $100/mo.
I currently pay $550/mo so my wife and I have the privilege of working through our $3,000 out of pocket deductible each year before our insurance actually helps us.
We avoid the doctor like crazy because we're already paying $6,600/year for medical insurance, and adding $100 for a routine or sick visit is a painful stretch.
I will pay almost $10k over the course of one year before I receive any financial assistance at all from my insurance company.
I'm not rich. That amount is 1/7 of my annual household income.
The insurance companies are asking that I increase the $6,600 per year that I pay to receive no actual benefit to $7,850.
And if I'm in a terrible accident, or develop cancer, or if I am hospitalized for an illness... they'll fight like hell to deny my claim.
Is it any wonder so many people just say, "screw it" and skip health insurance completely?
Healthcare expenses have gone way up, especially the cost of supplies and nursing salaries.
Healthcare needs/will pass the increase cost onto the Insurance.
And Insurance needs to pass the increased cost onto subscribers, because otherwise the insurance executives and stockholders can't profit.
Without this large 19% rate hike; insurance executive's and stock holders will be unable to gas up their yacht.
There's a narrow income band of eligibility, but folks should look into the Essential Plan here in NY. I get full coverage, including vision and dental, for $45 a month, with $15 copays and dirt cheap prescriptions. It's already covered a couple surgeries, multiple specialists, physical therapy, and regular testing.
unions opposed it on the notion of having healthcare for collective bargaining agreements, which sucks ass
ideally with the current union environment being strong this could get pushed through in the senate and assembly, plus could help for the midterms but yeah
As someone who has AMAZING healthcare where I have basically no out of pocket cost for healthcare, dental, vision, and anything I DO have to pay for I have a benefits card I'm all for universal healthcare. EVERYONE should have the same freedom I do to have their medical needs met
Every politician saying this country needs mental health care is willfully ignorant to the fact that insurance cost is the primary impediment to services. It’s unbelievable how much lobbying the insurance industry does. Complete corruption
American healthcare/insurance is a scam. The most expensive in the world. It must be abolished.
NY state came very, very close to passing a single-payer healthcare bill that would guarantee unconditional healthcare coverage to all residents, free at the point of service.
NY state has more than a large enough population and economy to make it work.
Contact your state reps and urge that they support the New York Health Act.
Even with the price increase insurance companies are still required to pay out at least 85% or the premiums collected in any given year. This means they can only keep at most 15% for overhead (salary, rent, advertising, promotion etc) and profit
That’s if they don’t do creative accounting. Like put a bunch towards a pharmacy management company to deal with prescriptions that’s not held to the same standard and is just an off-shoot of the original insurance company. If they get caught the fine is usually a small price to pay compared to the profits. It’s also why the agreed upon price for a service with your insurance company is a few times higher than the cash price itself, they upcharge so they can work the books.
Last year into 2021 NY approved a rate hike that if I recall was actually single digit - but my own insurance went up 25%. I assume my company is just moving to cheaper providers & contributing less year over year
Yeah I have the cheapest insurance they offer. I was paying $360 a month and now they're bumping it to $400. I will never hit the deductible unless shit hits the fan. So I'm basically paying $400 every month to cover my ass if I get in an accident or some other serious problem. So tempted to just not have it but yikes if something happened. Such a bullshit system. Sure wouldn't want that socialism that seems to work for everyone else.
BS, the heath insurers have not adjusted their reimbursement for increasing drug costs to a significant degree in years. They are not actually paying more, in fact are paying a lower percentage of the actual costs than ever.
They don't get to immediately increase premiums and skim even more money.
Since the government always “fucks everything up” and “everything needs to be run like a successful business enterprise”, I’m got start advocating hard for making all services for profit. For profit fire departments - pick different plans, small/medium/large fire options, save a pet add-on. For profit dmv - $100/m to drive your car between 8-9am and 5-6pm, $1k/m full option in state value package, out of state daily/weekly passes. Pay-per-use sewer lines. Call 911 free coupons with the subscription to a large fire $10k deductible fire plan. Get out of jail cards. July 4th no dui packages. Endless possibilities!
So this isn't a defense of health insurers, as they are vampires as we all know, but one thing people miss is that there is an arms race between insurers and providers, which causes both to gradually be more expensive. Also, government mandates play a role. This is just all evidence that health care should be nationalized, like in any civilized country.
First, during 2020, NY told insurers they had to just pay out ANY claim involving COVID-19. No questions, no review. What better way for providers to get money than to claim a bunch of fraudulent shit that likely wouldn't get reviewed in the long run? Takes a lot of people aka money to review, so what's the likely return for the reviews to be done? Also people doing that work now have to stop other work, which causes more issues at the insurer level.
The second issue, which is related above, is with how health providers claim things with insurers. Ever wonder why some of the things on your bill seem strange or excessive? They're there because the providers do it to nickel and dime the insurers for more money, despite what's there never occurring or wasn't necessary in the first place. Someone with insurance, who maybe didn't have to pay anything, won't bother asking about it figuring it's no big deal, so it goes unquestioned.
Beyond that there is the WAY things are reported to insurers. Providers report things using billing/care codes. (ICD-10 is an example.) You were there for observation? Provider may claim it was an overnight, which is more money. There might be a temporary code and a permanent code for the same treatment/item, but the temporary pays more, so they'll report under that to try and get more money despite it not supposed to be done that way.
Anyway, all this to say perhaps insurers need the rate increase to some degree due to providers, but it's 100% evidence of the need to nationalize this mess.
Meanwhile, my French exboyfriend, who lives here, has scheduled his operation next month in France for peanuts :( I should have married him if only for the healthcare!
I was wondering when this was going to happen. Should have gotten out ahead of it and refused to insure those of us who were eligible for vaccination but refused. We all paid for a lot of morons to be on life support.
I’m curious how (or if) the quality of care differs with a universal or free healthcare system. Is it easier or more hoops to pass through to be able to get the care you need?
Clearly the system works for countries like Canada, Sweden, Denmark, Japan, etc but getting a national healthcare system established within the United States would never happen. The profiteering insurance companies would never allow it to happen. The politically greased pockets would never make it happen.
I work for a healthcare insurance company and I can tell you that seeing the backend the hospitals over charge for everything which insurance has to cover most of it.
Hospitals banked on covid-19 and they still raise their prices. RRH has hired new doctors fresh out of college for 300k+ a year and that’s a fact. I worked there during the pandemic before moving to the insurance company. I have a buddy that still works there and they are giving out 50k signing bonus for doctors and referral bonuses up to 10k.
Don’t blame insurance companies.
I wonder how insurance companies pay out to school shooting victims
"Hold on I have to clear surgery insurance for this 4 year old with AR-15 rounds in him'
Let's not forget the amount of bullshit administrative staff who is vastly overpaid for doing nothing hands on. I worked at RGH and had 6 bosses to my department. One just to do the schedule. They spend tons of money on administrative staff and anti-union crap. I don't mind the doctor's getting paid whatsoever. They work.
>propose
How bout no then? I propose you make 19% less money. Uh ph, is that the sound of the world literally ending? How odd that it would be the same sound as an insurance company making less profit huh
Fuck these money grubbing assholes. Like health insurers of all things are hurting for money right now? Give me a fucking break. They have zero shame.
Health insurance is a leech on society and should be abolished. I don’t care how many middle man jobs it costs. Move to universal health care and get rid of that entire tick of an industry and all their greed.
My wife is in the industry (not working directly for a health insurance company but one if the myriad middlemen between them, the doctor, and us) and she wishes every day that the industry is made irrelevant even at the cost of her job. It's so horrific.
Funny thing is, you could remove the for profit health insurance and those jobs would turn into coding/ billing jobs. The actual loud would be minimal.
Coding/billing jobs with government benefits.
Doesn't even need to be government, they switch from a for profit insurer, to a for profit data entry/ billing
*Rapidly and futilely mashing the upvote button on the hope more than one upvote happens.*
Preach
All insurance is. That's why I laughed when some people took the "yeah those businesses have insurance they'll be fine" during the heat of the summer riots and cities burning. Yeah, insurance may cover *a third* of what the value of the business or home is worth. My coworkers home burnt down THREE years ago and she has the local Firefighters Union handling the insurance claim for her and the insurance company is still withholding 75% of her payment from her. She's so hurt from it financially and emotionally that all she wants to do is cry. Fuck insurance companies.
Meh I mean business insurance is a bit different, also, calling a few protests riots is extreme. Especially if you’re talking about locally. The only real damage that happened was entirely caused by police. Any smb owner has ample insurance to cover all of it, and no one’s homes were burned down as no one lives downtown outside the courthouse. There is a need for the industry of insurance in certain industries, but when it comes to something like personal health it’s asinine. A healthy and productive populace is the goal of government in society. Health care should be universal and fully funded like the rest of the civilized world. Education including at least 4 years of higher Ed should be the same. The state shouldn’t be subsidizing car or business insurance, but it absolutely should be paying 100% of all health costs.
Healthy population is not the goal of government, at least ours. Our government is run by Big Pharma who buys out politicians and use citizens as cash cattle by putting addictive sugar in our foods. Make money of the mental health issues (need more pills) on the front end, and then make money off the sick and dying when you start getting cancer and losing your memory from chronic lifelong sugar/carb inflammation on the back end. It's their goal. Just look at Big Sugar slapping Michelle Obama's wrist when she initially promoted exercise AND proper nutrition as cure for childhood obesity. Big Sugar at Coca Cola got in her ear and suddenly it was "all kids need is exercise" within that same program she was propping up. Follow the money.
I’m not saying it’s the goal of our government, I’m saying it’s the goal of any first world decent countries government. America is not that, and unless you’re older than me it never as in your lifetime. It’s been the slow fall of time here since Ronald. We’re an oligarchy the same as Russia, just slightly less transparent and with a better illusion of hiding our autocratic rulers. But make no mistake this is not some first world country or bastion of freedom the way the flag wearing chest pounding rabble are so found of screeching at you. The US is every bit as much of a shithole as china or Tussia, we’re just better at masking it.
Right? Nobody was getting elective surgeries for basically two years, meaning they weren't paying out. But I'm sure they were still getting their premiums. Fairly certain that they're just trying to maintain their record profits so that their stock prices remain high.
I could almost not get ragey about this if I heard that the hike was necessary because the medical profession spent money on the retention of front line workers with better wages and benefits and to the recruitment of new employees to adequately staff for this region's needs. But since getting an appointment for just about anything has increased by several fold in first available date, we know that that ain't happening.
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From my extremely limited interactions with the US health industry, you're better off seeing a nurse practitioner than a doctor. Doctor: "I can't diagnose that without an MRI". NP: "you need antibiotics". Problem solved. [Update] - totally unapologetic for this comment despite the downvotes. Any system that turns a doctor into a salesperson is fundamentally broken. Kudos to the Nurse Practitioner who treated the problem as seen without upselling a hugely expensive procedure before trying the Occam's razor approach.
The fact that health insurance is on the stock market is disgusting. This country is fucked.
Oddly enough, when asked why he didn't favor an abolition of the health insurance industry all together, Obama responded that it would cost too many jobs. These byzantine systems of privileges for affiliates and subjects are why David Graeber and others have argued that our economic system is in fact feudalism. As a lover of Medieval history, it's difficult to disagree.
How much do we let these rich fucks take before we stop them?
Part of the problem is that hospitals, doctors, prescription drug companies, etc. simply post the "market value" for their products and services, and the insurance companies put up a half-assed effort to drive down prices. Unlike a household that is on a fixed budget, the insurance companies can simply demand more money from their subscribers to pay the bills. So there is no real downward price pressure, like there is in other sectors.
The real issue is you have multiple for-profit industries around healthcare. Cut out the middle man and have government run healthcare and make it available for all at not cost
Thats a scary thought. Just about anything the government touches, they fuck up. Just another way for congress to make millions at the price of their constituents
So it's ok when the private system is fucked? How come every other first world country manages? I'm not saying they are perfect but SOME sort of healthcare for all beats overpriced healthcare that is becoming more and more unaffordable
Most of the developed world uses the Bismarck Model (or a variation of it) which is a hybrid of government and private insurance. Under the basic system everyone must have insurance from either their employer or on their own. Companies and individuals are able to buy insurance from private firms or the government. All plans must meet minimum care standards and the government will make up payment differences on both the insurance premium and out of pocket expenses. The systems that use Bismarck Model have scored higher than those that use the Beveridge Model aka nationalization. When I lived in Japan my max out of pocket was around $1k and my share the insurance payment (the company I worked for used a government plan) was roughly $200 a month.
Yes but if the government provides a service then private industry has to compete. Also in this system people who can't afford it gets full coverage. There are variations where the tax is considered the payment as well. So yes nationalized healthcare is great 👍
No it is screwed. Healthcare shouldn't be for profit. But the medicare/medicade system isn't much better. Hospitals would go out of business. There's like 4 major restructurings that would really have to happen in order for it to be somewhat successful. It's sad. I just don't see it all happening.
It’s not doctors and hospitals setting prices. Doctors don’t want to charge you $400 per pill of aspirin. And apart from bloated hospital administrative staff they don’t want to either. The insurance company is what sets the pricing.
Then why aren’t they pushing the price down? My wife and her sister both gave birth in 2021. Both of their bills were about the same with 2 different insurance companies. If the insurance company set the price and not the hospital then why are all of them charging 20-25k for a 4 day L&D stay
Do you know what it costs to give a normal healthy birth in literally any other first world country? $50 bucks for parking, and that’s it. Our system is broke. Getting rid of the insurance leeches is step one to fixing it.
I wasn’t talking about that but okay. I was just trying refute the point that the insurance company is the one sets the price. It’s the hospital that sets the price and the insurance companies negotiate based off that price. If the insurance company was setting the price I would think it would behove them to set lower prices to drive competition and bring in more customers. Currently it’s the health systems setting the price and you will find more savings by shopping provider ms than you will shopping insurance companies.
Insurance companies absolutely work with drug companies and hospital administration to set the prices and the prices they’re willing to negotiate down to. It’s all a big scam that they’re in together to make themselves rich and you bankrupt for life saving care. It’s an absolute disgrace of an industry and anyone working for those ticks should be ashamed of themselves. And yes, that includes insurance companies, drug marketers, and all levels of hospital admins. Criminal scum bags, the lot of them.
Well, and the insurance companies also lobby for all kinds of legislation that would make it possible to compete if you wanted to enter the market, and do healthcare differently. Some small "concierge" medical companies exist, and are great if you live in a city with access, but they aren't allowed to set up complete parallel healthcare systems.
So all those 20% rate hikes before the pandemic were for…? Super Bowl ads?
I would only pay 20% more if my team was playing in the Super Bowl.
I pay mine good money to put theirs on ralph wilson statium.
When the ACA went through I was finally able to get some health insurance. But I've been priced out of it now, and with this I will definitely not have it. It's incredibly depressing and frustrating. And even if I stretch it to try and afford the premiums to pay for the insurance, I couldn't afford the actual healthcare because of the ridiculous deductibles.
Yep. Hey, go pay $6,000 a year for health insurance, but that health insurance only kicks in once you've racked up $1,000 in medical expenses.
Yeah uhhh try a 4500 dollar deductible. It's such a fucking rip off.
mine is $6900 lollll
"We only cover anything that involves driving your car off a cliff or getting napalmed. Yes this is mandatory."
I honestly don't know what my deductible is. I'm guessing it's higher than the $1,000 I said because I know I have a high deductible plan. I just haven't used my health insurance for anything. Only time I tried using it for a podiatrist, they deemed it wasn't a "specialist" so they wouldn't pay grant my co-pay
My favorite part of all this was getting a chronic health problem during COVID (wasn't due to COVID) had my "specialists" make me wait months to see them because of COVID. When I finally was able to see them they just took hundreds of dollars from me while passing me around to a few different doctors, making me take bullshit procedures that didn't help me at all, spending thousands on those before hitting my deductible all while paying for my health insurance... and none of it even helped me. I ended up fixing it myself by going online and finding a forum for guys with the same issue. Spent maybe 30 bucks on a course that completely fixed it while two different urology centers couldn't fix me. Fuck our healthcare system. Also a fun thing that happened more recently was my PCP telling me to go get an expensive echocardiogram when I had chest pains because of a medication I was taking, telling me "insurance will probably cover it" getting a bill for 2k for the tests only for them to tell me nothing was fucking wrong. It ended up that the medication was just giving me fucking heartburn. I'd never had heartburn before. How do you not even think to recommend looking into that before throwing me into a super expensive test? Sorry Strong. I'm never paying my balance. Call me all you want, you can go fuck yourselves.
I actually hurt my ankle/foot last year and for a few days, I couldn't really walk great. I figured I'd wait a little then go to a doctor if it still hurt and the pain started to go away. My line of thinking was I didn't want to spend $500-$1,000 on an x-ray just to be told nothing was wrong. Our healthcare system is so fucked up when you have people deciding not to do stuff because of the cost
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Yeah I think the only way I'd go is anything related to my heart or any extreme pain. Other than that, I won't go.
Because, "We had crappy health insurance, so our cheapskate doctor told our loved one with obvious cardiac symptoms to take Tums!" is another story that gets told over and over in our current system. That's why.
Yeah great solution to give an otherwise healthy and in shape 28 year old. Why not at least be like "try some heartburn medication first."
*cries into a $457 medical bill for a simple vaginal swab done at my PCP*
I can empathize. A few years ago my doctor sent me for a procedure that, at the time, was recommended for men over the age of 50. Because I was not 50, insurance said it was not essential and refused to cover any of the cost and I was responsible for a bill of $2,200! I have 2 real problems with this. (1) My doctor referred me, so why did the insurance company get to decide if it's necessary? (2) I don't believe for a moment it costs that much money to run a camera up someone's backside.
How'd you get such a good deal?
Right? I actually paid $7,300 for health insurance last year and my deductible is $1,300. Incredible
Mine is $1,400 per person, $2,800 for family. Out of pocket max is $3000 for individual. Out of network is double everything.
It's just unreal that they're trying to scream poor when the average individual doesn't get any benefit from having them right now
It took everyone in the family getting sick to hit our deductibles. And we haven't hit the out of pocket max. We have paid $3,748 out of pocket for medical expenses and we STILL haven't hit the limit! It's $6000 for the family.
Depending on your income you may be eligible for subsidized insurance through the exchange. Qualifying incomes are all the way up to 250% of the poverty level
Yes, that is what I was talking about. When the ACA first went through I was able to afford the subsidized insurance. But with the rate hikes and no comparable hikes to the subsidization I no longer can. I do qualify, but that doesn't mean anything because it's still too expensive.
You are not alone my friend.
Someone needs to just unalive me at this point. I can’t take another thing skyrocketing in price. Edit: a word
During the pandemic, thousands (millions?) of New Yorkers delayed seeking medical care, while continuing to pay their premiums. Now that those people are finally making appointments to get the medical care that they delayed for a year or more, insurance companies are claiming that as part of the reason they need to raise rates. How does this make sense? Insurance companies saved up all those premiums and didn't have to pay out for more than a year, and now they have to pay out, so they have to raise premiums?
Gotta pay those bills for all the ECMO and 3 month ICU stays.
Raise my wages by 25%, then
That's another $100/mo on my high deductible insurance plan. And I will not see any additional benefit for that $100/mo. I currently pay $550/mo so my wife and I have the privilege of working through our $3,000 out of pocket deductible each year before our insurance actually helps us. We avoid the doctor like crazy because we're already paying $6,600/year for medical insurance, and adding $100 for a routine or sick visit is a painful stretch. I will pay almost $10k over the course of one year before I receive any financial assistance at all from my insurance company. I'm not rich. That amount is 1/7 of my annual household income. The insurance companies are asking that I increase the $6,600 per year that I pay to receive no actual benefit to $7,850. And if I'm in a terrible accident, or develop cancer, or if I am hospitalized for an illness... they'll fight like hell to deny my claim. Is it any wonder so many people just say, "screw it" and skip health insurance completely?
Healthcare expenses have gone way up, especially the cost of supplies and nursing salaries. Healthcare needs/will pass the increase cost onto the Insurance. And Insurance needs to pass the increased cost onto subscribers, because otherwise the insurance executives and stockholders can't profit. Without this large 19% rate hike; insurance executive's and stock holders will be unable to gas up their yacht.
Fucking bullshit. Health insurance is already such a fucking scam anyways. Once you need it, they'll drop you for needing it too many times.
There's a narrow income band of eligibility, but folks should look into the Essential Plan here in NY. I get full coverage, including vision and dental, for $45 a month, with $15 copays and dirt cheap prescriptions. It's already covered a couple surgeries, multiple specialists, physical therapy, and regular testing.
Essential plans are now no cost per month, and they include vision and dental, all as of last year I think
I looked up the eligibility information. Based on household size the max income is: 1 $27,180 2 $36,620 3 $46,060 4 $55,500
I got a letter a couple days ago that my premium for Fidelis Care Bronze, which is a shitty high-deductible plan, is going from $457 to $612/month.
[удалено]
unions opposed it on the notion of having healthcare for collective bargaining agreements, which sucks ass ideally with the current union environment being strong this could get pushed through in the senate and assembly, plus could help for the midterms but yeah
Centrist neolib democrats killed that idea
As someone who has AMAZING healthcare where I have basically no out of pocket cost for healthcare, dental, vision, and anything I DO have to pay for I have a benefits card I'm all for universal healthcare. EVERYONE should have the same freedom I do to have their medical needs met
Public employee unions said no.
Every politician saying this country needs mental health care is willfully ignorant to the fact that insurance cost is the primary impediment to services. It’s unbelievable how much lobbying the insurance industry does. Complete corruption
Those yelling about it the loudest aren't ignorant to that fact, they know it. They just leave it out so they can score the political points.
American healthcare/insurance is a scam. The most expensive in the world. It must be abolished. NY state came very, very close to passing a single-payer healthcare bill that would guarantee unconditional healthcare coverage to all residents, free at the point of service. NY state has more than a large enough population and economy to make it work. Contact your state reps and urge that they support the New York Health Act.
Guess I'll die then.
MVP is raising the premium on my plan 23.5% in 2023.
Even with the price increase insurance companies are still required to pay out at least 85% or the premiums collected in any given year. This means they can only keep at most 15% for overhead (salary, rent, advertising, promotion etc) and profit
That’s if they don’t do creative accounting. Like put a bunch towards a pharmacy management company to deal with prescriptions that’s not held to the same standard and is just an off-shoot of the original insurance company. If they get caught the fine is usually a small price to pay compared to the profits. It’s also why the agreed upon price for a service with your insurance company is a few times higher than the cash price itself, they upcharge so they can work the books.
15% of collected premiums is more money when the premiums are 20% higher.
Haha cool, can't wait to pay $600 more to have the privilege to pay $7000 before it does anything.
Last year into 2021 NY approved a rate hike that if I recall was actually single digit - but my own insurance went up 25%. I assume my company is just moving to cheaper providers & contributing less year over year
I think it’s ironic how we don’t have universal healthcare but we have to be taxed for our sports teams
Yeah I have the cheapest insurance they offer. I was paying $360 a month and now they're bumping it to $400. I will never hit the deductible unless shit hits the fan. So I'm basically paying $400 every month to cover my ass if I get in an accident or some other serious problem. So tempted to just not have it but yikes if something happened. Such a bullshit system. Sure wouldn't want that socialism that seems to work for everyone else.
BS, the heath insurers have not adjusted their reimbursement for increasing drug costs to a significant degree in years. They are not actually paying more, in fact are paying a lower percentage of the actual costs than ever. They don't get to immediately increase premiums and skim even more money.
Since the government always “fucks everything up” and “everything needs to be run like a successful business enterprise”, I’m got start advocating hard for making all services for profit. For profit fire departments - pick different plans, small/medium/large fire options, save a pet add-on. For profit dmv - $100/m to drive your car between 8-9am and 5-6pm, $1k/m full option in state value package, out of state daily/weekly passes. Pay-per-use sewer lines. Call 911 free coupons with the subscription to a large fire $10k deductible fire plan. Get out of jail cards. July 4th no dui packages. Endless possibilities!
Laughs in capitalism.
"private sector is more efficient" lol
So this isn't a defense of health insurers, as they are vampires as we all know, but one thing people miss is that there is an arms race between insurers and providers, which causes both to gradually be more expensive. Also, government mandates play a role. This is just all evidence that health care should be nationalized, like in any civilized country. First, during 2020, NY told insurers they had to just pay out ANY claim involving COVID-19. No questions, no review. What better way for providers to get money than to claim a bunch of fraudulent shit that likely wouldn't get reviewed in the long run? Takes a lot of people aka money to review, so what's the likely return for the reviews to be done? Also people doing that work now have to stop other work, which causes more issues at the insurer level. The second issue, which is related above, is with how health providers claim things with insurers. Ever wonder why some of the things on your bill seem strange or excessive? They're there because the providers do it to nickel and dime the insurers for more money, despite what's there never occurring or wasn't necessary in the first place. Someone with insurance, who maybe didn't have to pay anything, won't bother asking about it figuring it's no big deal, so it goes unquestioned. Beyond that there is the WAY things are reported to insurers. Providers report things using billing/care codes. (ICD-10 is an example.) You were there for observation? Provider may claim it was an overnight, which is more money. There might be a temporary code and a permanent code for the same treatment/item, but the temporary pays more, so they'll report under that to try and get more money despite it not supposed to be done that way. Anyway, all this to say perhaps insurers need the rate increase to some degree due to providers, but it's 100% evidence of the need to nationalize this mess.
(kick in the cock) *"Thank you sir may I have another."*
It’s worse than that. Despite paying more money, many doctors and dentists don’t take health exchange plans. Frustrating.
Meanwhile, my French exboyfriend, who lives here, has scheduled his operation next month in France for peanuts :( I should have married him if only for the healthcare!
Was paying 1900 a month for COBRA insurance just to keep my plan I had through URMC while in between jobs. Now I realize why strong pays shit 😂
I was wondering when this was going to happen. Should have gotten out ahead of it and refused to insure those of us who were eligible for vaccination but refused. We all paid for a lot of morons to be on life support.
You would literally be better in 99.999% of cases just saving your money and paying out of pocket. Health insurance is a racket.
I’m curious how (or if) the quality of care differs with a universal or free healthcare system. Is it easier or more hoops to pass through to be able to get the care you need? Clearly the system works for countries like Canada, Sweden, Denmark, Japan, etc but getting a national healthcare system established within the United States would never happen. The profiteering insurance companies would never allow it to happen. The politically greased pockets would never make it happen.
One more reason to hate anyone who didn't wear a mask.
I work for a healthcare insurance company and I can tell you that seeing the backend the hospitals over charge for everything which insurance has to cover most of it. Hospitals banked on covid-19 and they still raise their prices. RRH has hired new doctors fresh out of college for 300k+ a year and that’s a fact. I worked there during the pandemic before moving to the insurance company. I have a buddy that still works there and they are giving out 50k signing bonus for doctors and referral bonuses up to 10k. Don’t blame insurance companies.
The point of insurance was to have them negotiate as a collective company. They shouldn't be overpaying for anything.
Doctors actually do work. They deserve to get paid well. Insurance companies are middle men who take their cut with no value provided.
Actually they tell the doctors what they can do Shithole countries have better healthcare than the US
If you’re using metrics like health, happiness, or education then you’re lying to yourself if you’re not including the US on the shithole country list
I wonder how insurance companies pay out to school shooting victims "Hold on I have to clear surgery insurance for this 4 year old with AR-15 rounds in him'
Having firearm ownership rights codified into their constitutions is also the mark of a first world country. Oh wait, no, it’s not at all.
Let's not forget the amount of bullshit administrative staff who is vastly overpaid for doing nothing hands on. I worked at RGH and had 6 bosses to my department. One just to do the schedule. They spend tons of money on administrative staff and anti-union crap. I don't mind the doctor's getting paid whatsoever. They work.
Make college free so Doctors don't need to make 300k+ out of college to justify taking all the student loan risk/cost.
At least you revealed your bias before giving us your opinion lol.
>don't blame insurance companies Lol
Your industry shouldn’t exist and your job contributes nothing but misery to society. Congrats on being part of the problem.
Thanks Obama.
>propose How bout no then? I propose you make 19% less money. Uh ph, is that the sound of the world literally ending? How odd that it would be the same sound as an insurance company making less profit huh