DUmbasses explain how they are such high-risk drains on the system

[SSG Snuggle Bunny]

eridani Donating Member (1000+ posts)  Journal Click to send private message to this author Click to view this author's profile Click to add this author to your buddy list Click to add this author to your Ignore list    Wed Dec-29-10 10:32 AM
Original message
Only 8,000 enroll in health plan for preexisting conditions blah-blah-blah...

OKNancy Donating Member (1000+ posts)  Journal Click to send private message to this author Click to view this author's profile Click to add this author to your buddy list Click to add this author to your Ignore list    Wed Dec-29-10 10:46 AM
Response to Original message
2. I looked into it. At my age it would be $1000.00 per month
   
Not exactly affordable. I'm just holding out and hoping I stay alive until I'm eligible for Medicare.

That makes one of us.

Now check out these next couple of posts:

laconicsax Donating Member (1000+ posts)  Journal Click to send private message to this author Click to view this author's profile Click to add this author to your buddy list Click to add this author to your Ignore list    Wed Dec-29-10 10:51 AM
Response to Original message
4. I'd totally apply if I could afford it.
   
Edited on Wed Dec-29-10 10:52 AM by laconicsax
(In Oregon, it's state-run.)

I'm not in the position to shell out over $300-$400/month in premiums for myself, pay $3000-$7000 out of pocket for medication (with no out-of-pocket annual maximum), preventative care, immunizations, routine physicals, and still have to wait six months before I can even dream of getting covered for the pre-existing condition that's gotten me denied in the past.

But hey, at least I have the option of paying through the nose! That's what I voted for in '08, isn't it?

old mark Donating Member (1000+ posts)  Journal Click to send private message to this author Click to view this author's profile Click to add this author to your buddy list Click to add this author to your Ignore list    Wed Dec-29-10 11:28 AM
Response to Original message
7. I pay over $600 per month for my health insurance, which is PA state supported, and there is no way
   
I could go without it for 6 months. They add rules designed to keep people out, then point to the fact that so few are in.

Politics as usual in the US - lie to me and manipulate me for your agenda.

Odd.

It seems that by subsidizing an activity you increase that activity. It's as if adding more demand on a static supply coupled with increased cash reserves somehow presses costs upward.

Then there's this:

SoCalDem Donating Member (1000+ posts)  Journal Click to send private message to this author Click to view this author's profile Click to add this author to your buddy list Click to add this author to your Ignore list    Wed Dec-29-10 11:27 AM
Response to Original message
6. How many of the "eligible" are now unemployed? or cut back to minimum hours?
   
This is the stupidest way ever to insure the "un-insurable" ones..by dumping them all into one pool, they guaranteed that the costs would be astronomical..as well as the premiums.. The reason insurance ever works is because the risk is spread out over a WIDE range.. Not everyone will have a fire, but if everyone has insurance, the money not paid out more than covers the occasional fire, and allows the insurers to pocket the rest as profit..

The same goes for any type of insurance.. the more people IN the pool, the less it can cost to everyone, and the more coverage people get.

When you narrow the scope and only include the sickest, you have a recipe for failure.. Sick people probably make less money, and are the least likely to be able to afford ANYTHING out-of-pocket for health care..

Now we know how California got so screwed-up.

No, DUmbass, forcing everyone, healthy and high-risk alike, into a single pool will not reduce cost. It will create a monopoly. Monopolies, usually aided and abetted by political corruption, are bad for business because they stifle the inherent competition of a free market.

One of the reasons HOI is cheaper is because of all the companies competing to win customers so as to expand their pools (HINT: it reduces their risks thereby increasing their profitability prospects). HOI isn't cheaper because the pools are bigger but because the government isn't distorting the market. Prices are lower because of numerous pools dividing-up the number of people paying into each separate pool.

http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=439x86528

boppers Donating Member (1000+ posts) Click to send private message to this author Click to view this author's profile Click to add this author to your buddy list Click to add this author to your Ignore list    Wed Dec-29-10 11:38 AM
Response to Original message
9. My wife and I would have to pay 3,600 a month for it.
   
That's how much her meds cost.

3,600.

A month.

The problem is not insurance.

OUT: Skittle-shitting unicorns

IN: Prozac-pooping pegasi

[JohnnyReb]

But...but...but I thought it was all going to be free? [DUmp/mode]

[Celtic Rose]

My mind is boggling at the thought of one person requiring $3,600 worth of medication a month.

[Ralph Wiggum]

My mind is boggling at the thought of one person requiring $3,600 worth of medication a month.

No kidding.  The DUmmy's wife (he should have used the term life-partner or partner) must be on every anti-depressant or SSRI manufactured.

[SSG Snuggle Bunny]

My mind is boggling at the thought of one person requiring $3,600 worth of medication a month.

Prop 'em up with a couple of broom handles and they'd be just as productive at a pittance of the price.

[IassaFTots]

My mind is boggling at the thought of one person requiring $3,600 worth of medication a month.

No lie.  My Mom has significant health issues, and when she hits that Medicare donut hole, she has to pay for her own meds.  She pays about less than $1000 per month.  $3,600 is phenomenal.

[USA4ME]

The most simple of economic concepts completely escape the primitives.  If you already have a pool of insured and you add those who formerly were not able to join the pool because their medical costs would exceed what they could contribute into the pool , then naturally the premiums for those already in the pool will have to increase to make up the difference.  We read that and go "No kiddin'."  They read that and either it doesn't compute or they naturally believe others should be happy to pay more in order to help these new inductees to the pool, as long as "others" doesn't include them having to pay more.

.

[jukin]

Not only did the program FAIL by 99.8% but the communist democrats that wrote this POS bill put in $5 billion to cover for costs of their projected enrollment until 2014. With only .02% of the anticipated enrollment the $5 billion has already been blown through.

[SSG Snuggle Bunny]

The most simple of economic concepts completely escape the primitives.  If you already have a pool of insured and you add those who formerly were not able to join the pool because their medical costs would exceed what they could contribute into the pool , then naturally the premiums for those already in the pool will have to increase to make up the difference.  We read that and go "No kiddin'."  They read that and either it doesn't compute or they naturally believe others should be happy to pay more in order to help these new inductees to the pool, as long as "others" doesn't include them having to pay more.

.

But one must ask: what if the have-nots (and will-nots) enter the pool in such numbers that even those who once could afford treatment are no longer able to do so. For example, suppose 3 people get together to create a $300 pool. Their average annual costs are $80 per person they are doing OK and then some. If one person is added paying $0 then the pool amount per participant suddenly drops to $75 per year which is less than the $80 they require.

There comes a break-point where the price can no longer be raised because it is beyond the ability of the payer to satisfy. It is akin to bankruptcy but one where you didn't spend yourself into debt, you had to sit and watch someone spend your money.

[true_blood]

SoCalDem Donating Member (1000+ posts)  Wed Dec-29-10 11:27 AM
Response to Original message
6. How many of the "eligible" are now unemployed? or cut back to minimum hours?

You should ask the stupid occupying the White Mosque. He doesn't seem too concerned with that situation.

[Randy]

My meds rang up to just under $1000 a month if I didn't have insurance. Even with they cost to damn much in deductibles. The insurance company demands you buy a 90 day supply from them, just send in the full $575 in deductibles and they'll ship 'em right on out. 

DUmmies need to learn 1 name for their non-narcotic drugs.




India