Big Health Insurance Companies, especially Aetna for Breeders?

  • buddycat

    Posts: 1874

    Jul 12, 2016 2:39 AM GMT
    I hate to use the term "breeders" referring to straight people but do you ever get the feeling that big insurance companies, if you have been insured by them, only care about those that breed? They will take your premiums but seems they are only interested in serving the heterosexual community with their needs? I am covered by Aetna but soon to drop them since they have a culture of delaying and denying services. I know some get employer paid insurance and it is certainly a perk. For the rest, doesn't it seem better just save your premiums and self-insure? I never get sick, ever. What about those living with HIV? What are your experiences? From what I heard, they are finding the Market Place customers are sicker than expected. I am sure most of though are in pretty good health as a side affect of trying to get prettier.

    FYI: Currently, there is no enforcement of the penalty for not having insurance if you are never owed a refund, from http://www.marketwatch.com/story/beware-of-the-2016-obamacare-individual-mandate-penalty-2015-10-27 :

    the only enforcement mechanism is that the government can subtract any unpaid penalty from your federal income tax refunds. So if you’re not owed a refund for 2016 or a later year, there will never be any consequences for not paying the penalty. You are not subject to criminal prosecution, and the IRS cannot put a lien or levy on your income or assets.

    Edit: Perhaps I am wrong about the idea of self-insurance unless you have a large saving. Perhaps insurance with a non-profit company is the best option available now.

    I saw this article about Aetna targeting the LGBT community here, Aetna Targets LGBT Community. The articles about it are over a year old. The article talks about if targeting the LGBT will pay dividends. Obviously they see profit there, since they are beholden to stock holders and they are their biggest concern. Of course the biggest concerns health wise within the gay community are HIV and drug abuse. I am just wondering if a large corporation like Aetna could be trusted with those concerns or are they just going to deny recommended treatments simply because they can and it would benefit their shareholders. I I think there are additional resources for those living with HIV. I know I had a friend who was HIV+ and volunteered at a center that I think can direct people to such resources.
  • buddycat

    Posts: 1874

    Jul 12, 2016 5:58 AM GMT
    Perhaps self insurance may not be for those that anticipate a hospital stay but big insurance companies are only interested in a buck. So there must be a better solution. A public option? Non-profit insurance companies? If a hospital stay can wipe you out, how can big insurance companies make money? I maybe shouldn't respond if you are not willing to show yourself. It is 2016.
  • Posted by a hidden member.
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    Jul 12, 2016 10:10 AM GMT
    a self employed straight married couple i know pays $1000/mo for high deductible health insurance. Their deductible is so high they dont really use the insurance so yes stay healthy in America. They have a health savings account tho. This pre tax savings situation is not available to everyone so readup the fed tax law.

    you never know what can happen to your health. With no insurance you still could get shot, hit by a car, well maybe not but if you consider dropping insurance you may also consider putting assets; 401K's, the condo/house in some sort of managed trust.

    another peep i know, their employer refunds them a chunk of change if they opt out of their health insurance. Still the employer dosnt refund the whole amount.

    either way your phucked
    Many Obama care critics, the teaming un washed, are not able to articulate their needs. Back when; Social Security law went through several rounds of change. Obama care needs this too. Given todays government grid lock and or conservative bias; i doubt this will happen or happen not as needed.
  • Destinharbor

    Posts: 4435

    Jul 12, 2016 3:41 PM GMT
    I know Republicans like to blame everything on Obamacare but the insurance industry has been corrupt forever and will fuck you over if they can. When I went from employer provided coverage to a private policy, pre-Obamacare, I was turned down because I take statins. Statins that keep you healthy. and the premium increases have been off the chart. Single payor insurance like Medicare buy-in is the ticket (it's in the Dem platform and Obama has come out in favor). Get the profit motive out of healthcare. But as to self-insurance, you may be healthy but surprises happen. Even if you don't get sick, remember half the people in traffic accidents weren't at fault. And the blood-sucking hospitals and pharmacies price everything at the top for the uninsured. My statins, for example were a $10 copay and when I had to pay for them myself, they were over $350/month. A healthy friend just had an emergency appendix operation. Bet that was over $50k. If it all offends you, think of it as paying forward what you'll need to withdraw later. A social contract with yourself and the rest of the community.
  • buddycat

    Posts: 1874

    Jul 12, 2016 4:52 PM GMT
    Destinharbor saidI know Republicans like to blame everything on Obamacare but the insurance industry has been corrupt forever and will fuck you over if they can.


    I agree, the problem with big insurance companies like Aetna were corrupt and only care about a buck and they will screw you any chance they get. Non-profit or even a public option would be best. I think that the problem with Obamacare is that it simply didn't go far enough to deal with them and just made people by a crappy product from them.

    Here is an article where they find the best health insurance plans are non-profit:
    http://www.huffingtonpost.com/2012/09/24/best-health-care-brands-are-nonprofit_n_1910733.html
  • Posted by a hidden member.
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    Jul 12, 2016 7:05 PM GMT
    UMayNeverKnow said
    What difference does it make if you see my face or not? I could post a fake like a lot of people here.


    I don't think I've ever seen an established RJer posting fake face pics here. It's something the "here today and gone tomorrow" agitators and bullshitters tend to do - until they get caught out a few times, then they just go with the blank profile - and make lame excuses for it.
  • ANTiSociaLiNJ...

    Posts: 1160

    Jul 13, 2016 1:16 AM GMT
    Never getting sick doesn't mean that you may not ever have a catastrophic accident.

  • Posted by a hidden member.
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    Jul 14, 2016 4:35 PM GMT
    It definitely is better not to get sick in America , not because of the level of care , but because of the cost !
    Health insurance company have no regulations , they bid with hospitals and if they do not get what they want from them , they drop them from their coverage !!
    And who is the one suffering , the insured !!
    Something have to be done , if not , in less than 5 years no one will be able to afford their premium and pay their deductible ...
  • buddycat

    Posts: 1874

    Jul 16, 2016 7:09 AM GMT
    neffa saidIt definitely is better not to get sick in America , not because of the level of care , but because of the cost !
    Health insurance company have no regulations , they bid with hospitals and if they do not get what they want from them , they drop them from their coverage !!
    And who is the one suffering , the insured !!
    Something have to be done , if not , in less than 5 years no one will be able to afford their premium and pay their deductible ...


    Yes, that certainly is a problem with doctors and hospitals being dropped, since they be the best option for the patient. As far as the insured, they can always change insurance companies if they can, hopefully to a non-profit if it is available. Hopefully in 5 years there will be a Congress who can take Obamacare to the next level since I think it may have not gone far enough. If a public-option was available, the big insurance companies would have to compete with it.