Your Healthcare Situation

Boyd Westerman · Post by **Boyd Westerman** » Jul 23 2009 12:55 pm

What your scoop?

I've got a BCBS PPO though the Florida First program, I pay 50 bucks a month, my employer currently pays 450, a year ago it was 400, 4yrs ago they paid 310. That's quite an increase on their part.

$15 co-pay, 20 for specialists, 10 for generic scripts, 3000 max out of pocket.

Its great, I don't use it much, couldn't imagine paying that myself.

kevin m · Post by **kevin m** » Jul 23 2009 12:59 pm

I pay $120/ month out of pocket for my Health Care. I receive Eye, Health, and Dental all for $120/month. $20 copay/ $40copay for specialists.

soundsystem75 · Post by **soundsystem75** » Jul 23 2009 01:27 pm

My copays went from 20/50 to 30/75 when we brought someone on with prexisting cancer.

It's a part of my compensation, but we're paying 150% more since that addition.

I can get insurance on my own much cheaper.

My whole thing is instead of cutting back care, lets streamline the process. My biannual trips to the doctor for cold meds costs more in paper work than than the drugs or my half hour away from work.

I know when I'm sick, and the insurance companies don;t need to make $20 bucks off of me for simple meds.

Also have med school/ post grad students / professionals man free or low cost clinics where prices are fixed. Broken arm, $50 bux. Broken leg $70. If you want to practice medicine and make doctor money for the rest of your life, you need to spend three years making $50,000; hippocratic style.

No one is talking OR DOING these things. They are too busy at the Barney Frank buffet stuffing their shorts full of food to ship off to Switzerland as soon as they clear the Sizzler parking lot.

S.o.S.

The doctor has full time paper work people. Someone at the insurance company has to proce$$ it. Too much overhead.

No one is talking about solutions. This whole thing is about government power.

ßéñjåmmiñ · Post by **ßéñjåmmiñ** » Jul 23 2009 01:47 pm

soundsystem75 wrote:No one is talking about solutions. This whole thing is about government power.

EXACTERRY!!!!

Boyd Westerman · Post by **Boyd Westerman** » Jul 23 2009 02:13 pm

soundsystem75 wrote:
The doctor has full time paper work people. Someone at the insurance company has to proce$$ it. Too much overhead.

No one is talking about solutions. This whole thing is about government power.

My last visit, I saw my doc for less than 5 minutes to pick up a script. They billed BCBS $188 bucks for that. That's pretty outrageous.

ßéñjåmmiñ · Post by **ßéñjåmmiñ** » Jul 23 2009 02:48 pm

Boyd Westerman wrote:My last visit, I saw my doc for less than 5 minutes to pick up a script. They billed BCBS $188 bucks for that. That's pretty outrageous.

what they bill the insurance company and what the company actually pays them are two completely different things... c'mon don't try and play like you don't know that...

Boyd Westerman · Post by **Boyd Westerman** » Jul 23 2009 03:01 pm

ßéñjåmmiñ wrote:
Boyd Westerman wrote:My last visit, I saw my doc for less than 5 minutes to pick up a script. They billed BCBS $188 bucks for that. That's pretty outrageous.
what they bill the insurance company and what the company actually pays them are two completely different things... c'mon don't try and play like you don't know that...

Of course it is, I'm not trying to play anything dude.

S. Chadwick · Post by **S. Chadwick** » Jul 23 2009 03:07 pm

its a conspiracy boyd. You know the answer you just dont want to say it.

pez · Post by **pez** » Jul 23 2009 03:08 pm

my company pays 80% of insurance I pay 20% unless I add 1 or more to my policy then what I have to pay triples.

However we also have health savings accounts as well which is pre-tax. So thats a bit of savings as well, so long as you know about how much your going to spend. Worked great when i need a decent amount of dental work done.

pez · Post by **pez** » Jul 23 2009 03:12 pm

what I found interesting about obama's whole doctor's removing tonsils when its just allergies is absurdly wrong. This was mentioned on Glenn Beck, and brings up a good point. Your doctor makes no money from having your tonsils removed, the surgeon that removes them does. Now if their is a kickback well then that would be fraud. If the doctor is misdiagnosing individuals intentionally for gain that would be fraud as well. Both of which can be dealt with the current legal system with rules and laws already in existence.

8 Ohm · Post by **8 Ohm** » Jul 23 2009 05:03 pm

I pay maybe $150 bucks a year in medical expenses.. I don't need Health insurance...

Grant Carlisle · Post by **Grant Carlisle** » Jul 23 2009 05:08 pm

pez wrote:what I found interesting about obama's whole doctor's removing tonsils when its just allergies is absurdly wrong. This was mentioned on Glenn Beck, and brings up a good point. Your doctor makes no money from having your tonsils removed, the surgeon that removes them does. Now if their is a kickback well then that would be fraud. If the doctor is misdiagnosing individuals intentionally for gain that would be fraud as well. Both of which can be dealt with the current legal system with rules and laws already in existence.

Yeah i caught that today...

Larz · Post by **Larz** » Jul 25 2009 09:15 am

8 Ohm wrote:I pay maybe $150 bucks a year in medical expenses.. I don't need Health insurance...

That must be nice, but what happens if you found out that you had a brain tumor or some other outrageously expensive disease? How would you pay for it?
Or were you just being sarcastic?

Boyd Westerman · Post by **Boyd Westerman** » Jul 27 2009 07:49 am

Larz42 wrote:
8 Ohm wrote:I pay maybe $150 bucks a year in medical expenses.. I don't need Health insurance...
That must be nice, but what happens if you found out that you had a brain tumor or some other outrageously expensive disease? How would you pay for it?
Or were you just being sarcastic?

I was curious about what the 4 people who say they don't have a healthcare plan would do in the case of some sort of out of the blue injury, or even worse like what Larz said. Say you fall down drunk, cut your hand open on a bottle, or break your leg playing softball, or whatever. Do you have cash set aside for this, or are you just rolling the dice?

I don't "need" healthcare either, but I can't afford to pay for an ambulance trip and an emergency room visit for a broken leg out of my pocket. I think the price is around 10k for that.

Larz · Post by **Larz** » Jul 27 2009 08:15 am

I had a hernia operation about 16 yrs. ago and the bill was over $11,000.00 but my cost was only $225.00. So I will always have health insurance just for that reason alone. Nobody counts on having a costly surgery but it happens, even if your in the best of health. If you can't afford it, I understand but I can't afford not to have it. I got Blue Cross/Blue Shield of Texas. My cost is $48.00 a month, dental is $7.50 a month and vision is free. It's a bargain in my book.

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Your Healthcare Situation