Who here is UNINSURED for Health?

  • Posted by a hidden member.
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    Jun 28, 2011 7:08 PM GMT
    Edit: Decided to keep my policy for now and uncanceled it. Lots of good feedback in thread though.
  • JP85257

    Posts: 3284

    Jun 28, 2011 7:15 PM GMT
    Im not insured, but only because I have chosen to not purchase it.
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    Jun 28, 2011 7:15 PM GMT
    wrestlervic saidWho else here is not insured?
    Me.
    Looked into it last year after being off work a couple months with herniated disks, but the extended cost of insurance would have been much more than it cost me out of pocket...not to mention the "discounts" you get when uninsured. If I'd had insurance, the prices woulda been higher, and the amount paid out of pocket would have been almost as high as I paid without insurance.
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    Jun 28, 2011 7:19 PM GMT
    Good, I don't feel so bad now. I'm going out for a glass of wine to celebrate my $300 a month savings, and to cheer myself up for slowly falling through the cracks of humanity. icon_wink.gif
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    Jun 28, 2011 7:29 PM GMT
    Wine sounds kinda good, but this is more my style. icon_biggrin.gif
    alcohol.jpg
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    Jun 28, 2011 7:33 PM GMT
    Wrestler, I have been very fortunate with my health for most of my life and have had hardly any problems. I'm thinking that the $300 you were paying for private insurance wasn't all that bad. Any deductible? I pay $215 per month for Medicare and Supplemental insurance. My deductible is $162/year for non hospital exams and procedures. Health insurance is like transportation, you have to pay something. If you are the healthy type, I think that you might save quite a bit of money if you go the holistic route, with good vitamins, herbs, and diet. Still you have to pay something. Accidents? Well, none of us want those.
  • Timbales

    Posts: 13993

    Jun 28, 2011 7:43 PM GMT
    wrestlervic saidGood, I don't feel so bad now. I'm going out for a glass of wine to celebrate my $300 a month savings, and to cheer myself up for slowly falling through the cracks of humanity. icon_wink.gif


    you'd be better off putting that money into a medical savings account and finding a policy that covers hospitalization with a large deductible.
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    Jun 28, 2011 8:24 PM GMT
    theantijock said
    wrestlervic saidthat's $46,800 I've paid



    http://www.surgerycosts.net/price.php?medical=appendectomy

    Patient Average: $47,593

    One car accident or illness could turn someone with assets but without health insurance into a bankrupt homeless person, assuming there are enough funds to pay for recovery from the injury so you'd get to live without a home.

    This is going to sound a little harsh but if you haven't enough funds and if you've people who love you and who wouldn't want to see you suffer or die,doesn't not having insurance put them in a bind to pay out of their retirement funds to keep you alive. Do you have a right to possibly put that burden on them by saving yourself some money now?


    Welcome to America. Poor if you do, bankrupt/homeless if you don't.

    "The rich stay healthy, the sick stay poor." - U2
  • LJay

    Posts: 11612

    Jun 28, 2011 8:52 PM GMT
    Vic, I felt that way until the cancer showed up followed by diabetes and major depression. The older you get...
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    Jun 28, 2011 8:54 PM GMT
    I could not be uninsured for health, even if, out of some bizarre death wish, I chose to be. The UK has a National Health Service, to which everyone is entitled. Living in the grip of an 'evil socialist state' does have its perks.
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    Jun 28, 2011 9:58 PM GMT
    Thank you all for both the positive and the negative scary feedback. Of course I thought long and hard about this. When it comes to whether you can eat and pay bills, and then that $300 payment is there, you have to make a decision. It's a ridiculous amount to pay for "what if", and you all know it. We are being screwed by this health care system out of fear.

    My $300 was for a $750 deductible, $30 co-pay plan. I'm looking at a bridge plan to cover me at a lower cost.Vic
  • laxdude25

    Posts: 604

    Jun 28, 2011 10:15 PM GMT
    I know in NYC there are some good options for very basic health insurance for the self-employed through the FreeLancers Union. GHI also has very cost effective insurance to just cover catastrophic events. I insure our family of 4 though GHI for less than you were paying, and have good coverage. Not sure if any of these options would be available to you where you live.
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    Jun 28, 2011 11:19 PM GMT
    theantijock saidOne car accident or illness could turn someone with assets but without health insurance into a bankrupt homeless person, assuming there are enough funds to pay for recovery from the injury so you'd get to live without a home.
    I am a living witness to a version of that scenario. I had no health insurance while self employed [and much younger]. It took years to abolish the debt from a catastrophic event.
    Even now the only redeeming value of having health insurance seems to be the negotiated rates between the plan's provisions and the providers. I get angry when thinking about facing a health crisis without insurance where the provider is asking for 100% of the billed rates. The insurance companies pay pennies on the dollar due to buying goods and services in bulk. I won't say that's not fair about our health care system [because life isn't fair], but I will say that side of it sucks big time.
  • matt13226

    Posts: 829

    Jun 28, 2011 11:50 PM GMT
    i didnt have it for a while but they passed the bill that if you are under the age of 26 you are still covered by your parents insurance wither you r in school or not so i have it now but before that i went a couple years with out it
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    Jun 28, 2011 11:51 PM GMT
    Me. icon_neutral.gif
  • metta

    Posts: 39107

    Jun 28, 2011 11:52 PM GMT
    i'm under insured. I have a major medical plan with a high deductible, however, I'm seriously thinking about changing it. I have never used my medical plan, however, I'm getting older and I'm starting to feel like it is not a good idea for me to be in a plan where I'm responsible for 20% of the costs after the deductible. And I'm rising my savings and assets the way it is now. I think my plan is something like $120/ month. I have a PPO Blue Cross plan that allows a HSA and I have been told that there are a lot of things that they don't pay for, leaving you with some huge medical expenses.

    You can find cheaper plans, you just have to look.

    http://www.ehealthinsurance.com is where I'm getting mine right now. But there are other sites as well.

    The new plans I have recently been looking at are around $140-250/mo, just for the medical part.

    Being that I'm a single person household...I have no one to help me or fall back on. I need to try my best to take steps to do what I can to minimize my risks as much as possible. Especially, with the economy the way it is.
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    Jun 28, 2011 11:57 PM GMT
    Much as I don't like the insurance industry, I wouldn't think of going without health insurance. I'm self- employed and have an HSA ppo plan with a $6000 deductible. I put money into the Health Savings Account and that's deductible and remains mine (kind of like a medical IRA) unless I use it to pay for medical costs. Whatever's left rolls over to the next year. It's a good thing to consider.
  • metta

    Posts: 39107

    Jun 29, 2011 12:03 AM GMT
    What health insurance companies do you prefer?

    Blue Shield
    Blue Cross/ Anthem
    Cigna
    HealthNet
    Kaiser
    Aetna

    I have recently heard some pretty good things about Kaiser. I probably wont go with them being where there hospital is located in an area that is very difficult to get to and is pretty far from me.
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    Jun 29, 2011 12:04 AM GMT
    I've never been insured. I was lucky growing up that my dad had a lot of friends that were physicians (and a dentist also to boot), so they've looked after my health all my life.
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    Jun 29, 2011 12:09 AM GMT
    Mil8 saidI could not be uninsured for health, even if, out of some bizarre death wish, I chose to be. The UK has a National Health Service, to which everyone is entitled. Living in the grip of an 'evil socialist state' does have its perks.


    This an excellent question on a men's health site

    In Australia everyone is covered no matter how rich or poor - but the wealthy are expected to have private health cover to supplement the governments' contributions

    It is in the economic interest of the country to have a healthy population

    Where are the Conservatives in this thread? Are they all insured?
  • metta

    Posts: 39107

    Jun 29, 2011 12:35 AM GMT
    ^
    I don't think that you have that maximum anymore. The Obamacare...or whatever you call it removed those. Mine originally had $6 million in coverage and that limit was removed.
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    Jun 29, 2011 12:38 AM GMT
    Gym_bull saidOnly insurance you need is to eat a clove of garlic a day icon_biggrin.gif



    And live in Toronto and enjoy national healthcare.
  • metta

    Posts: 39107

    Jun 29, 2011 12:38 AM GMT
    ^
    I have to be careful with raw garlic...I get gassy icon_redface.gif

    People who take garlic every day also begin to smell like garlic...... icon_lol.gif
  • metta

    Posts: 39107

    Jun 29, 2011 12:45 AM GMT
    Anyone have any experience with Aetna. I'm looking at a plan right now...looks pretty good for $137/mo.

    High Deductible 5500

    wow...dental is only $20 and it is a ppo....I have an hmo right now and I'm afraid to use it....oh ...I see...it does not cover any of the big stuff.

    Their dental plan looks terrible but the coverage on the insurance looks pretty good. They don't cover any drugs that have not been proven, which I guess also means experimental drugs.
  • str8hardbody9

    Posts: 1519

    Jun 29, 2011 12:49 AM GMT
    I canceled mine NO health insurance now..