family of 4 gets insured for 5k a year?!?!

[umalak_]

LOL this douchebag vouching for McCain claims that McCain has the better healthcare plan and that a family of 4 can get healthcare for 5k a year right now. how much more out of touch with reality can one man be?!?

watching the Stephanopolous show from earlier today

[St. Stalin the Apathetic]

we pay more than that for our family of 4 if you include deductibles and copays

what's out of touch is the notion that you're entitled to inexpensive, exhaustive and brilliant health care.

$400/mo for 4 people.... that's not bad...

[umalak_]

no the point is that you CANNOT find insurance for a family of 4 for that price... and this was a McCain man backing McCain's healthcare plan.

[St. Stalin the Apathetic]

Originally Posted by umalak_

no the point is that you CANNOT find insurance for a family of 4 for that price... and this was a McCain man backing McCain's healthcare plan.

Our total health care cost in the past say 5 years... mind you we've had two babies... have averaged a little more than $7k total. They've both had ambulance calls and emergency ER visits requiring tests and observation that required observation for 12+ hrs. (ftr - febrile seizures - harmless but horrifying to look at while your baby turns blue in front of you)

So, I'm not sure who this "you" is but our basic plan was less than $5k. That we had to pay more for drugs, office visits, labs, birthing room, lactation consultants, magic man w/the pain killing I'm having a baby dope etc etc etc etc etc bumped it up $2k. However, absent those extraordinary circumstances $5K would be pretty close.


Let's just get this out of the way.... you expect some one else to pay for your healthcare. That's what this comes down to.

[umalak_]

Originally Posted by St. Stalin the Apathetic

Let's just get this out of the way.... you expect some one else to pay for your healthcare. That's what this comes down to.

yeah, i'm a huge supporter of making someone else pay for not only my healthcare but my food and rent too. i'm all about the food stamps and welfare checks.

get the fuck outta here trying to state what my feelings are. there is no way your total healthcare costs for a family of 4 is going to come out as 5k. you may share the cost with your employer and come out of it with that number.

[MC Twinkie]

The problem is, if we have a nation of sick people that cant take care of themselves, then someone else has to take care of them. You can prepare and save for your bills and housing. You can cut back on things like energy and name brand items. You can't really cut back on healthcare. Which is the second problem... Doctors, drug companies, medical supply places know this. Without their items and services you could suffer or even die. You can't prepare for health problems. "You hit 40 and get nut cancer, hope you were saving for that." It doesn't work that way except for maybe 2% of the nation.

So how does mccains plan work if my employer pays for my insurance? Do I get money back from the government for my deductable?

IMO, the government needs regulate a minimal level of care. I think if we had a system like the postal system, where much of it is government controlled. Bumps, cuts, sniffles, and tummy aches are taken care. Elective and major operation are taken care of by insurance, or like in the example, companies like UPS and Fedex are still around to keep things compedative. This way there are opportunities for all levels of care, and for doctors to make money in different markets.

Handing out government money for people to turn over to insurance companies is a big mistake.

[DataBass]

I would like other people to pay for my health care. Anyone who doesn't is stupid.


Sure if I made a ton of money and had to pay for other people's health care I'd feel differently. However, currently, I don't make a ton of money and would like those who do to pick up the tab.

[tricky]

Originally Posted by DataBass

I would like other people to pay for my health care. Anyone who doesn't is stupid.


Sure if I made a ton of money and had to pay for other people's health care I'd feel differently. However, currently, I don't make a ton of money and would like those who do to pick up the tab.

[DjKrispy]

So far this year I've paid almost $650 for my health insurance through my company. Probably hit around 1k for the year.

I'm sure if I had a spouse and kids I can put them on my health care. I would have to check, but I doubt I would have to pay that much more a piece if I had a wife and 2 kids. Stretching it that's 5k.

Not so far from what that man said. Might be the exception to the rule, but if I can get it for that much, I'm sure many others can too.
That isn't including co-pays and such with Xian said could boost it another 2k.

[tricky]

I just priced out a plan from United Health Care for myself. This was the only one i felt was 'acceptable' (ignoring xian and that I don't deserve cheap AND good health insurance).

144.35/mo = 1700/yr

I make less than 20k a year, so how is paying 10% of my income to health insurance really that beneficial? I still wouldn't have $$$ for the $2,500 deductible if I had to be hospitalized for anything.

There's a plan for 70/mo, but office visits aren't covered. I normally dont have 100-200 laying around for a visit if needed so that doesn't help me. Also, has a $5000 deductible.

Xian, I need your wisdom. Even if I was going to buy this, it's still too expensive and the benefits just aren't worth it.

[DjKrispy]

Looking at it from a % of income is ridiculous. I pay less than 2% of my income for health/dental/vision insurance.
Does that mean you should pay 2% too? What about the people that make 150K a year, their only paying about 1% of their income for insurance, well why can't I pay only 1%?
Medical care isn't cheap, and I'd say 1500 a year to insure a PERSON is pretty damn good, considering I don't pay much less to insure my CAR.

Besides, Emergency care is always given whether you have insurance or not(I'm 99.9% sure I'm right on that, there may be exceptions). You'll still have to pay eventually, but the aid is there.

EDIT: For the record, I'm not a McCain supporter, just debating for the sake of debating.

[tricky]

Originally Posted by DjKrispy

Looking at it from a % of income is ridiculous. I pay less than 2% of my income for health/dental/vision insurance.
Does that mean you should pay 2% too? What about the people that make 150K a year, their only paying about 1% of their income for insurance, well why can't I pay only 1%?
Medical care isn't cheap, and I'd say 1500 a year to insure a PERSON is pretty damn good, considering I don't pay much less to insure my CAR.

Besides, Emergency care is always given whether you have insurance or not(I'm 99.9% sure I'm right on that, there may be exceptions). You'll still have to pay eventually, but the aid is there.

EDIT: For the record, I'm not a McCain supporter, just debating for the sake of debating.

Thank you for helping me point out how insurance is a regressive cost, just like sales tax.

[Nyteshade]

Originally Posted by tricky

I just priced out a plan from United Health Care for myself. This was the only one i felt was 'acceptable' (ignoring xian and that I don't deserve cheap AND good health insurance).

144.35/mo = 1700/yr

I make less than 20k a year, so how is paying 10% of my income to health insurance really that beneficial? I still wouldn't have $$$ for the $2,500 deductible if I had to be hospitalized for anything.

There's a plan for 70/mo, but office visits aren't covered. I normally dont have 100-200 laying around for a visit if needed so that doesn't help me. Also, has a $5000 deductible.

Xian, I need your wisdom. Even if I was going to buy this, it's still too expensive and the benefits just aren't worth it.

Finding the right health care plan all depends. How often do you go to the doctor? How often are you in a position to get hurt and need hospital care?

If you only go to the doctor when you get sick (1-2 times a year or so), then you may want to look for a health plan that only covers emergency care and keep about $300 in a savings account for doctor visits. I know the idea of putting money aside and being fiscally responsible is a foreign idea to people who pay $10 every week to go to a club and another ~$20 in alcohol, but that's life.


And lol at $144 per month being expensive. I pay $95 a WEEK out of pocket and an additional $40 a week goes in a savings account for medical expenses while making $35k a year.

[tricky]

Originally Posted by Nyteshade

Finding the right health care plan all depends. How often do you go to the doctor? How often are you in a position to get hurt and need hospital care?

If you only go to the doctor when you get sick (1-2 times a year or so), then you may want to look for a health plan that only covers emergency care and keep about $300 in a savings account for doctor visits. I know the idea of putting money aside and being fiscally responsible is a foreign idea to people who pay $10 every week to go to a club and another ~$20 in alcohol, but that's life.


And lol at $144 per month being expensive. I pay $95 a WEEK out of pocket and an additional $40 a week goes in a savings account for medical expenses while making $35k a year.

i know right. what with me making 15k a year that's like chump change. plus that 400 a semester on books too.

why so much on healthcare? you plan on getting cancer soon? 7k/yr? i hope that's for a family of 5+

ps.
i haven't paid a cover in over a year. so thanks for that assumption

[umalak_]

some of you are speaking of the cost being 5k if your employer is helping you with the cost. this guy speaking about McCain's plan was talking total cost for someone out of pocket, not someone who is getting healthcare through their job. you cannot find a healthcare plan for a family of 4 for 5k if you are footing the entire cost.

and even if you found some crappy plan for 5k total, like xian said, if you ever got sick then you would be going over that 5k anyway.