Have you checked out GoodRx yet?
http://tinyurl.com/qeu2xna
I saved over $100 out of pocket the first time I used it. You can
check out the prices for your drugs at various pharmacies in your
community. You can get coupons for your drugs. There is an app that
you can download to your cell so that you can check drug prices away
from home, find your coupon then show your cell with the coupon ID to
the pharmacist. No need to print coupon and carry it around.

This is especially handy if you haven't met the deductible on your
insurance yet. The drug I was going to get was $133 at Walmart (where
my prescription insurance is) and with the lower price at Walgreens
and the $40 coupon, I paid $27 total out of pocket. Your purchase can
be used toward your deductible. The pharmacy will record your
purchase as usual. You just pay less.
No, I do not work for GoodRx. I just think it is fabulous to have
this kind of control.
Janet US

On 10/4/2015 1:05 PM, Janet B wrote:
>
> Have you checked out GoodRx yet?
> http://tinyurl.com/qeu2xna
> I saved over $100 out of pocket the first time I used it. You can
> check out the prices for your drugs at various pharmacies in your
> community. You can get coupons for your drugs. There is an app that
> you can download to your cell so that you can check drug prices away
> from home, find your coupon then show your cell with the coupon ID to
> the pharmacist. No need to print coupon and carry it around.
>
> This is especially handy if you haven't met the deductible on your
> insurance yet. The drug I was going to get was $133 at Walmart (where
> my prescription insurance is) and with the lower price at Walgreens
> and the $40 coupon, I paid $27 total out of pocket. Your purchase can
> be used toward your deductible. The pharmacy will record your
> purchase as usual. You just pay less.
> No, I do not work for GoodRx. I just think it is fabulous to have
> this kind of control.
> Janet US
>


Been with them over a year, outstanding prices, and no cost to join.

+1000! for this post.

--- news://freenews.netfront.net/ - complaints: ---

On 10/4/2015 3:05 PM, Janet B wrote:
>
> Have you checked out GoodRx yet?
> http://tinyurl.com/qeu2xna
> I saved over $100 out of pocket the first time I used it. You can
> check out the prices for your drugs at various pharmacies in your
> community. You can get coupons for your drugs. There is an app that
> you can download to your cell so that you can check drug prices away
> from home, find your coupon then show your cell with the coupon ID to
> the pharmacist. No need to print coupon and carry it around.
>
Good info. Unfortunately they can't locate any deals or coupons for the
prescriptions I take on that site.

I signed up for a prescription discount card a friend told me about
(also free). The card arrived in the mail and after shopping pharmacies
in the area I was surprised to find, even without a discount card, the
meds were cheaper at Publix pharmacy. (The other pharmacies in the area
are Walgreen's, Rite Aid, CVS and even WalMart, but WalMart is on the
other side of town.)

www.AmericanPrescriptionDiscounts.com

> This is especially handy if you haven't met the deductible on your
> insurance yet. The drug I was going to get was $133 at Walmart (where
> my prescription insurance is) and with the lower price at Walgreens
> and the $40 coupon, I paid $27 total out of pocket. Your purchase can
> be used toward your deductible. The pharmacy will record your
> purchase as usual. You just pay less.
> No, I do not work for GoodRx. I just think it is fabulous to have
> this kind of control.
> Janet US
>
I don't have prescription drug coverage. It's self-pay for me. That's
why I appreciate the lowest price possible.

Jill

On Sun, 04 Oct 2015 18:18:48 -0400, jmcquown >
wrote:

>On 10/4/2015 3:05 PM, Janet B wrote:
>>
>> Have you checked out GoodRx yet?
>> http://tinyurl.com/qeu2xna
>> I saved over $100 out of pocket the first time I used it. You can
>> check out the prices for your drugs at various pharmacies in your
>> community. You can get coupons for your drugs. There is an app that
>> you can download to your cell so that you can check drug prices away
>> from home, find your coupon then show your cell with the coupon ID to
>> the pharmacist. No need to print coupon and carry it around.
>>
>Good info. Unfortunately they can't locate any deals or coupons for the
>prescriptions I take on that site.
>
>I signed up for a prescription discount card a friend told me about
>(also free). The card arrived in the mail and after shopping pharmacies
>in the area I was surprised to find, even without a discount card, the
>meds were cheaper at Publix pharmacy. (The other pharmacies in the area
>are Walgreen's, Rite Aid, CVS and even WalMart, but WalMart is on the
>other side of town.)
>
>www.AmericanPrescriptionDiscounts.com
>
>> This is especially handy if you haven't met the deductible on your
>> insurance yet. The drug I was going to get was $133 at Walmart (where
>> my prescription insurance is) and with the lower price at Walgreens
>> and the $40 coupon, I paid $27 total out of pocket. Your purchase can
>> be used toward your deductible. The pharmacy will record your
>> purchase as usual. You just pay less.
>> No, I do not work for GoodRx. I just think it is fabulous to have
>> this kind of control.
>> Janet US
>>
>I don't have prescription drug coverage. It's self-pay for me. That's
>why I appreciate the lowest price possible.
>
>Jill

Whatever works is good. Prescriptions are too costly and anything
that helps with the cost is good. I have no problem with my regular
insurance preferred drugs and the amount I pay ($3). But when you are
working your way through your deductible you want to pay as little as
possible.
Janet US

On 10/4/2015 7:45 PM, Janet B wrote:

> Whatever works is good. Prescriptions are too costly and anything
> that helps with the cost is good. I have no problem with my regular
> insurance preferred drugs and the amount I pay ($3). But when you are
> working your way through your deductible you want to pay as little as
> possible.

Absolutely. I appreciate the heads up, thank you.

nancy

On Sun, 4 Oct 2015 20:27:15 -0400, Nancy Young
> wrote:

>On 10/4/2015 7:45 PM, Janet B wrote:
>
>> Whatever works is good. Prescriptions are too costly and anything
>> that helps with the cost is good. I have no problem with my regular
>> insurance preferred drugs and the amount I pay ($3). But when you are
>> working your way through your deductible you want to pay as little as
>> possible.
>
>Absolutely. I appreciate the heads up, thank you.
>
>nancy

I did lots of research and found for me AARP's OptumRx was the best
deal. I think it depends on which meds one needs. I get one
medication from Walmart because no on else will fill a 90 day Rx for
Sudafed 24 hour... it cured my post nasal drip. Local drug stores
will only sell one package a month (10 day supply) and I would have to
sign for it. My doctor writes an RX and Walmart sends me nine
packages every three months, and at less than half the cost at the
local pharmacies. Dispensing pharmaceutical drugs is weird. it's the
same with Mucinex... everywhere else limits one bottle and I'd have to
sign for it, BJ's will sell me as many bottles as I want and no sig,
they sell the large size in two packs, I can buy 20 bottles at a time,
and they charge less than anywhere else, weird! Amazon will also sell
as many bottles of Musinex as I want only their price is far higher
than BJ's, almost double. And Mucinex is an OTC drug, go figure.

"Janet B" > wrote in message
...

> Whatever works is good. Prescriptions are too costly and anything
> that helps with the cost is good. I have no problem with my regular
> insurance preferred drugs and the amount I pay ($3). But when you are
> working your way through your deductible you want to pay as little as
> possible.
> Janet US

I can't see why you would say that. I want to meet the deductible as soon
as possible. Then I pay less! However, the deductible does not apply to my
prescriptions. I pay the same no matter until the catastrophic cap is met
and then I pay nothing. But with the cap now raised to $3,000 for the
family, that will likely never happen. Especially since I have additional
insurance. I pay very little to nothing for Dr. and hospital type stuff
now.

Julie Bove wrote:
>
> "Janet B" wrote:
> > Whatever works is good. Prescriptions are too costly and anything
> > that helps with the cost is good. I have no problem with my regular
> > insurance preferred drugs and the amount I pay ($3). But when you are
> > working your way through your deductible you want to pay as little as
> > possible.
> > Janet US
>
> I can't see why you would say that. I want to meet the deductible as soon
> as possible. Then I pay less! However, the deductible does not apply to my
> prescriptions.

People with the so called "good" insurance policies don't have a clue
as to how health insurance works. These are private corporations in
business to make a PROFIT. They don't pay your medical expenses out of
their pockets ever. If you are getting out more than you pay in,
someone else is paying for you.

Up until the last 10 years, I always had medical insurance but each
year we never met the deductible. We filed for insurance but then we
always had to pay the full bill.

Company paid insurance, which I used to have, paid for the premiums
each month...a very good company benefit. But I still had to pay for
the deductible. Never got that high. I paid all my medical bills and
the company spent a fortune paying the monthly premiums.

Then I started my own business and had to get personal insurance vs
group insurance. Much more expensive for less benefits. I signed up
with BC/BS with a "subscriber and one minor" policy.

It was reasonable in the beginning. This was 1986. $80 a month to
cover my daughter and I and $100 deductible.

I finally HAD to cancel the insurance about 14-15 years later. It had
gone way out of control.

Each year or so, they would raise my monthly premium or raise my
deductible- Even though we never got a penny back from them....we
never met the annual deductible. We would file for the insurance, get
a letter saying it was applied to the deductible, then I had to pay
the doctor.

Anyway, at the end of the time period, when I quit, my deductible was
$750 and my new premium was going to be $425 per month. Big
difference in 15 years...from 80 month 100 ded... to 425 month and 750
ded.

When I quit them - and I had to...I literally could not afford it
anymore, I added up what I had paid them in premiums all those years.
About $45,000. I paid them that much and they never paid a penny for
any medical expenses. Do you see a problem here? I sure do.

Bottom line here. All you folks that can get prescriptions for only a
few dollars and get doctor visits for for 10-20 per visit. Medical
care is not that inexpensive. Someone is paying for your cheap prices
if you aren't paying for it in high monthly premiums.

If I have to go to a doctor right now, just a basic GP visit will cost
me about $100. When I tell them I have no insurance, I'm treated like
a bum until I reassure them that I have money and will pay for the
visit that day.

Julie Bove wrote:
>
> "Janet B" wrote:
> > But when you are working your way through your deductible you
> > want to pay as little as possible.

> I can't see why you would say that. I want to meet the deductible as soon
> as possible. Then I pay less!

I replied to this but went off on a rant sorry.

Julie, some people never meet their annual deductible. I never did.
This is why you want to save money at every turn.

On 05/10/2015 6:42 AM, Gary wrote:
> Julie Bove wrote:
>>
>> "Janet B" wrote:
>>> Whatever works is good. Prescriptions are too costly and anything
>>> that helps with the cost is good. I have no problem with my regular
>>> insurance preferred drugs and the amount I pay ($3). But when you are
>>> working your way through your deductible you want to pay as little as
>>> possible.
>>> Janet US
>>
>> I can't see why you would say that. I want to meet the deductible as soon
>> as possible. Then I pay less! However, the deductible does not apply to my
>> prescriptions.
>
> People with the so called "good" insurance policies don't have a clue
> as to how health insurance works. These are private corporations in
> business to make a PROFIT. They don't pay your medical expenses out of
> their pockets ever. If you are getting out more than you pay in,
> someone else is paying for you.
>
> Up until the last 10 years, I always had medical insurance but each
> year we never met the deductible. We filed for insurance but then we
> always had to pay the full bill.
>
> Company paid insurance, which I used to have, paid for the premiums
> each month...a very good company benefit. But I still had to pay for
> the deductible. Never got that high. I paid all my medical bills and
> the company spent a fortune paying the monthly premiums.
>
> Then I started my own business and had to get personal insurance vs
> group insurance. Much more expensive for less benefits. I signed up
> with BC/BS with a "subscriber and one minor" policy.
>
> It was reasonable in the beginning. This was 1986. $80 a month to
> cover my daughter and I and $100 deductible.
>
> I finally HAD to cancel the insurance about 14-15 years later. It had
> gone way out of control.
>
> Each year or so, they would raise my monthly premium or raise my
> deductible- Even though we never got a penny back from them....we
> never met the annual deductible. We would file for the insurance, get
> a letter saying it was applied to the deductible, then I had to pay
> the doctor.
>
> Anyway, at the end of the time period, when I quit, my deductible was
> $750 and my new premium was going to be $425 per month. Big
> difference in 15 years...from 80 month 100 ded... to 425 month and 750
> ded.
>
> When I quit them - and I had to...I literally could not afford it
> anymore, I added up what I had paid them in premiums all those years.
> About $45,000. I paid them that much and they never paid a penny for
> any medical expenses. Do you see a problem here? I sure do.
>
> Bottom line here. All you folks that can get prescriptions for only a
> few dollars and get doctor visits for for 10-20 per visit. Medical
> care is not that inexpensive. Someone is paying for your cheap prices
> if you aren't paying for it in high monthly premiums.
>
> If I have to go to a doctor right now, just a basic GP visit will cost
> me about $100. When I tell them I have no insurance, I'm treated like
> a bum until I reassure them that I have money and will pay for the
> visit that day.
>
As you know, in Canada we have a public funded system. My D-I-L had an
emergency c-section and one twin spent 3 weeks in the NICU and the other
is still there after 6.5 weeks.
I dread to think what that lot would have cost them on your side of the
border.
Graham

On Sunday, October 4, 2015 at 5:18:53 PM UTC-5, jmcquown wrote:
> On 10/4/2015 3:05 PM, Janet B wrote:
> >
> > Have you checked out GoodRx yet?
> > http://tinyurl.com/qeu2xna
> > I saved over $100 out of pocket the first time I used it. You can
> > check out the prices for your drugs at various pharmacies in your
> > community. You can get coupons for your drugs. There is an app that
> > you can download to your cell so that you can check drug prices away
> > from home, find your coupon then show your cell with the coupon ID to
> > the pharmacist. No need to print coupon and carry it around.
> >
> Good info. Unfortunately they can't locate any deals or coupons for the
> prescriptions I take on that site.
>
> I signed up for a prescription discount card a friend told me about
> (also free). The card arrived in the mail and after shopping pharmacies
> in the area I was surprised to find, even without a discount card, the
> meds were cheaper at Publix pharmacy. (The other pharmacies in the area
> are Walgreen's, Rite Aid, CVS and even WalMart, but WalMart is on the
> other side of town.)
>
> www.AmericanPrescriptionDiscounts.com
>
> > This is especially handy if you haven't met the deductible on your
> > insurance yet. The drug I was going to get was $133 at Walmart (where
> > my prescription insurance is) and with the lower price at Walgreens
> > and the $40 coupon, I paid $27 total out of pocket. Your purchase can
> > be used toward your deductible. The pharmacy will record your
> > purchase as usual. You just pay less.
> > No, I do not work for GoodRx. I just think it is fabulous to have
> > this kind of control.
> > Janet US
> >
> I don't have prescription drug coverage. It's self-pay for me. That's
> why I appreciate the lowest price possible.
>
There are other companies that are similar to GoodRx. The existence, and
need for such things is an obvious indicator that something is dreadfully
wrong with our health care industry, especially pharmaceuticals.
>
> Jill

--Bryan

On Monday, October 5, 2015 at 7:41:18 AM UTC-5, Gary wrote:
> Julie Bove wrote:
> >
> > "Janet B" wrote:
> > > Whatever works is good. Prescriptions are too costly and anything
> > > that helps with the cost is good. I have no problem with my regular
> > > insurance preferred drugs and the amount I pay ($3). But when you are
> > > working your way through your deductible you want to pay as little as
> > > possible.
> > > Janet US
> >
> > I can't see why you would say that. I want to meet the deductible as soon
> > as possible. Then I pay less! However, the deductible does not apply to my
> > prescriptions.
>
> People with the so called "good" insurance policies don't have a clue
> as to how health insurance works. These are private corporations in
> business to make a PROFIT. They don't pay your medical expenses out of
> their pockets ever. If you are getting out more than you pay in,
> someone else is paying for you.
>
> Up until the last 10 years, I always had medical insurance but each
> year we never met the deductible. We filed for insurance but then we
> always had to pay the full bill.
>
> Company paid insurance, which I used to have, paid for the premiums
> each month...a very good company benefit. But I still had to pay for
> the deductible. Never got that high. I paid all my medical bills and
> the company spent a fortune paying the monthly premiums.
>
> Then I started my own business and had to get personal insurance vs
> group insurance. Much more expensive for less benefits. I signed up
> with BC/BS with a "subscriber and one minor" policy.
>
> It was reasonable in the beginning. This was 1986. $80 a month to
> cover my daughter and I and $100 deductible.
>
> I finally HAD to cancel the insurance about 14-15 years later. It had
> gone way out of control.
>
> Each year or so, they would raise my monthly premium or raise my
> deductible- Even though we never got a penny back from them....we
> never met the annual deductible. We would file for the insurance, get
> a letter saying it was applied to the deductible, then I had to pay
> the doctor.
>
> Anyway, at the end of the time period, when I quit, my deductible was
> $750 and my new premium was going to be $425 per month. Big
> difference in 15 years...from 80 month 100 ded... to 425 month and 750
> ded.
>
> When I quit them - and I had to...I literally could not afford it
> anymore, I added up what I had paid them in premiums all those years.
> About $45,000. I paid them that much and they never paid a penny for
> any medical expenses. Do you see a problem here? I sure do.
>
> Bottom line here. All you folks that can get prescriptions for only a
> few dollars and get doctor visits for for 10-20 per visit. Medical
> care is not that inexpensive. Someone is paying for your cheap prices
> if you aren't paying for it in high monthly premiums.
>
> If I have to go to a doctor right now, just a basic GP visit will cost
> me about $100. When I tell them I have no insurance, I'm treated like
> a bum until I reassure them that I have money and will pay for the
> visit that day.

Yet you are so brain dead that you vote Republican.

--Bryan

On 10/5/2015 8:42 AM, Gary wrote:
> If I have to go to a doctor right now, just a basic GP visit will cost
> me about $100. When I tell them I have no insurance, I'm treated like
> a bum until I reassure them that I have money and will pay for the
> visit that day.

Sorry to hear that! My current doctor knows I don't have health
insurance. He's the guy who diagnosed me with Crohn's Disease.

In this area they call it "self pay" rather than "uninsured". I have
not been treated like a second-class citizen. Yes, I have to pay at the
time of the office visit. When the initial charge was around $150 I
paid it. Then I met with the billing manager to discuss it. Nice
woman. She took down all my info (I had not yet found the part time
job). The next time I went for a follow-up the office visit charge had
been lowered to $35.

BTW, this is a medical group, not a single practice old country doctor.

I've found you have to be a bit proactive about things like this. Even
if you are a decrepit 107 year old man named Gary.

Jill

On 10/4/2015 7:45 PM, Janet B wrote:
> On Sun, 04 Oct 2015 18:18:48 -0400, jmcquown >
> wrote:
>
>> On 10/4/2015 3:05 PM, Janet B wrote:
>>>
>>> Have you checked out GoodRx yet?
>>> http://tinyurl.com/qeu2xna
>>> I saved over $100 out of pocket the first time I used it. You can
>>> check out the prices for your drugs at various pharmacies in your
>>> community. You can get coupons for your drugs. There is an app that
>>> you can download to your cell so that you can check drug prices away
>>> from home, find your coupon then show your cell with the coupon ID to
>>> the pharmacist. No need to print coupon and carry it around.
>>>
>> Good info. Unfortunately they can't locate any deals or coupons for the
>> prescriptions I take on that site.
>>
>> I signed up for a prescription discount card a friend told me about
>> (also free). The card arrived in the mail and after shopping pharmacies
>> in the area I was surprised to find, even without a discount card, the
>> meds were cheaper at Publix pharmacy. (The other pharmacies in the area
>> are Walgreen's, Rite Aid, CVS and even WalMart, but WalMart is on the
>> other side of town.)
>>
>> www.AmericanPrescriptionDiscounts.com
>>
>>> This is especially handy if you haven't met the deductible on your
>>> insurance yet. The drug I was going to get was $133 at Walmart (where
>>> my prescription insurance is) and with the lower price at Walgreens
>>> and the $40 coupon, I paid $27 total out of pocket. Your purchase can
>>> be used toward your deductible. The pharmacy will record your
>>> purchase as usual. You just pay less.
>>> No, I do not work for GoodRx. I just think it is fabulous to have
>>> this kind of control.
>>> Janet US
>>>
>> I don't have prescription drug coverage. It's self-pay for me. That's
>> why I appreciate the lowest price possible.
>>
>> Jill
>
> Whatever works is good. Prescriptions are too costly and anything
> that helps with the cost is good. I have no problem with my regular
> insurance preferred drugs and the amount I pay ($3). But when you are
> working your way through your deductible you want to pay as little as
> possible.
> Janet US
>
Exactly. It's great to have a $3 copay, or even a $15 copay. BTDT when
I had group insurance at work. Some people seem to equate copays with
deductibles. They're an entirely different thing. I know you know that.

Jill

On Sun, 4 Oct 2015 20:27:15 -0400, Nancy Young
> wrote:

>On 10/4/2015 7:45 PM, Janet B wrote:
>
>> Whatever works is good. Prescriptions are too costly and anything
>> that helps with the cost is good. I have no problem with my regular
>> insurance preferred drugs and the amount I pay ($3). But when you are
>> working your way through your deductible you want to pay as little as
>> possible.
>
>Absolutely. I appreciate the heads up, thank you.
>
>nancy
You're welcome
Janet US

"Gary" > wrote in message ...
> Julie Bove wrote:
>>
>> "Janet B" wrote:
>> > Whatever works is good. Prescriptions are too costly and anything
>> > that helps with the cost is good. I have no problem with my regular
>> > insurance preferred drugs and the amount I pay ($3). But when you are
>> > working your way through your deductible you want to pay as little as
>> > possible.
>> > Janet US
>>
>> I can't see why you would say that. I want to meet the deductible as
>> soon
>> as possible. Then I pay less! However, the deductible does not apply to
>> my
>> prescriptions.
>
> People with the so called "good" insurance policies don't have a clue
> as to how health insurance works. These are private corporations in
> business to make a PROFIT. They don't pay your medical expenses out of
> their pockets ever. If you are getting out more than you pay in,
> someone else is paying for you.
>
> Up until the last 10 years, I always had medical insurance but each
> year we never met the deductible. We filed for insurance but then we
> always had to pay the full bill.
>
> Company paid insurance, which I used to have, paid for the premiums
> each month...a very good company benefit. But I still had to pay for
> the deductible. Never got that high. I paid all my medical bills and
> the company spent a fortune paying the monthly premiums.
>
> Then I started my own business and had to get personal insurance vs
> group insurance. Much more expensive for less benefits. I signed up
> with BC/BS with a "subscriber and one minor" policy.
>
> It was reasonable in the beginning. This was 1986. $80 a month to
> cover my daughter and I and $100 deductible.
>
> I finally HAD to cancel the insurance about 14-15 years later. It had
> gone way out of control.
>
> Each year or so, they would raise my monthly premium or raise my
> deductible- Even though we never got a penny back from them....we
> never met the annual deductible. We would file for the insurance, get
> a letter saying it was applied to the deductible, then I had to pay
> the doctor.
>
> Anyway, at the end of the time period, when I quit, my deductible was
> $750 and my new premium was going to be $425 per month. Big
> difference in 15 years...from 80 month 100 ded... to 425 month and 750
> ded.
>
> When I quit them - and I had to...I literally could not afford it
> anymore, I added up what I had paid them in premiums all those years.
> About $45,000. I paid them that much and they never paid a penny for
> any medical expenses. Do you see a problem here? I sure do.
>
> Bottom line here. All you folks that can get prescriptions for only a
> few dollars and get doctor visits for for 10-20 per visit. Medical
> care is not that inexpensive. Someone is paying for your cheap prices
> if you aren't paying for it in high monthly premiums.
>
> If I have to go to a doctor right now, just a basic GP visit will cost
> me about $100. When I tell them I have no insurance, I'm treated like
> a bum until I reassure them that I have money and will pay for the
> visit that day.

Shocking!!! Thank goodness for our National Health Service. I had private
health Ins when I was working and that paid well for surgeries I had during
that time. It meant I could choose the private hospitals and have the
operations when I chose. I could have had the surgeries done on the NHS but
it would have taken much longer. We don't have to pay for any medicines in
Scotland although in England some people do have to pay a smallish fixed
amount. It must be dreadful to fear the cost of necessary medication



--
http://www.helpforheroes.org.uk/shop/

On 10/5/2015 7:01 AM, graham wrote:
> On 05/10/2015 6:42 AM, Gary wrote:
>> Julie Bove wrote:
>>>
>>> "Janet B" wrote:
>>>> Whatever works is good. Prescriptions are too costly and anything
>>>> that helps with the cost is good. I have no problem with my regular
>>>> insurance preferred drugs and the amount I pay ($3). But when you are
>>>> working your way through your deductible you want to pay as little as
>>>> possible.
>>>> Janet US
>>>
>>> I can't see why you would say that. I want to meet the deductible as
>>> soon
>>> as possible. Then I pay less! However, the deductible does not
>>> apply to my
>>> prescriptions.
>>
>> People with the so called "good" insurance policies don't have a clue
>> as to how health insurance works. These are private corporations in
>> business to make a PROFIT. They don't pay your medical expenses out of
>> their pockets ever. If you are getting out more than you pay in,
>> someone else is paying for you.
>>
>> Up until the last 10 years, I always had medical insurance but each
>> year we never met the deductible. We filed for insurance but then we
>> always had to pay the full bill.
>>
>> Company paid insurance, which I used to have, paid for the premiums
>> each month...a very good company benefit. But I still had to pay for
>> the deductible. Never got that high. I paid all my medical bills and
>> the company spent a fortune paying the monthly premiums.
>>
>> Then I started my own business and had to get personal insurance vs
>> group insurance. Much more expensive for less benefits. I signed up
>> with BC/BS with a "subscriber and one minor" policy.
>>
>> It was reasonable in the beginning. This was 1986. $80 a month to
>> cover my daughter and I and $100 deductible.
>>
>> I finally HAD to cancel the insurance about 14-15 years later. It had
>> gone way out of control.
>>
>> Each year or so, they would raise my monthly premium or raise my
>> deductible- Even though we never got a penny back from them....we
>> never met the annual deductible. We would file for the insurance, get
>> a letter saying it was applied to the deductible, then I had to pay
>> the doctor.
>>
>> Anyway, at the end of the time period, when I quit, my deductible was
>> $750 and my new premium was going to be $425 per month. Big
>> difference in 15 years...from 80 month 100 ded... to 425 month and 750
>> ded.
>>
>> When I quit them - and I had to...I literally could not afford it
>> anymore, I added up what I had paid them in premiums all those years.
>> About $45,000. I paid them that much and they never paid a penny for
>> any medical expenses. Do you see a problem here? I sure do.
>>
>> Bottom line here. All you folks that can get prescriptions for only a
>> few dollars and get doctor visits for for 10-20 per visit. Medical
>> care is not that inexpensive. Someone is paying for your cheap prices
>> if you aren't paying for it in high monthly premiums.
>>
>> If I have to go to a doctor right now, just a basic GP visit will cost
>> me about $100. When I tell them I have no insurance, I'm treated like
>> a bum until I reassure them that I have money and will pay for the
>> visit that day.
>>
> As you know, in Canada we have a public funded system. My D-I-L had an
> emergency c-section and one twin spent 3 weeks in the NICU and the other
> is still there after 6.5 weeks.
> I dread to think what that lot would have cost them on your side of the
> border.
> Graham


Oh lookie, more Canuckleheaded spite for the USA.

There isn't ANYTHING wrong with your health care system, now is there?

I mean all those canucks who stream south of the border for elective
surgery are just vacationing, right?

You people have such a national insecurity complex it boggles the
rational mind!

http://www.theglobeandmail.com/globe...rticle1210961/

According to a 2007 Commonwealth Fund study, 42 per cent of Canadians
had waited two hours or more in the emergency room during a visit in the
previous two years, versus 29 per cent in the United States. And 57 per
cent had waited four weeks or more to see a specialist, versus 23 per
cent in the United States.

For that $70,000 knee replacement, recent Canadian statistics show that
depending on the province, the median presurgery waiting time ranges
from 112 to 291 days. In the United States, it can be a matter of days.
U.S. patients have the second-shortest wait for specialists worldwide.
As for more general consultations, the median wait time to see a
specialist physician in Canada is a little over four weeks. A 2009 study
found that the average wait to see a specialist in the United States is
20.5 days. Long waits are also more likely in Canada, with 27 per cent
of patients waiting more than four months for elective surgery, compared
to just 5 per cent in the United States.

http://dailysignal.com/2010/02/09/th...go-to-america/

One common assertion among the left is that other industrialized
nations, such as Canada, achieved great success in health care within
their collectivist framework. This, then, begs the question: why is the
head of an east coast Canadian province coming to the United States for
medical treatment?

Newfoundland Premier Danny Williams is seeking heart surgery in the
United States, drawing criticism from “local bloggers and people calling
in to the province’s immensely popular open-line radio shows.” Yet his
actions are hardly unusual for world leaders. Saudi Arabian King
Abdullah bin Abdulaziz is known to have his checkups at the prestigious
Mayo Clinic in Rochester, Minn. Italian Prime Minister Silvio Berlusconi
had heart surgery at the Cleveland Clinic in 2006 . Even middle-class
Canadians are utilizing their proximity to the United States to seek
treatment here.

A study by Steven Katz, Diana Verilli, and Morris Barer in Health
Affairs examining the Ontario Health Insurance Plan from 1987 to 1995
found “evidence of cross-border care seeking for cardiovascular and
orthopedic procedures, mental health services, and cancer treatments,”
although not widespread. Examples include the governments of British
Columbia and Quebec sending patients to the United States for coronary
artery surgery and cancer treatment. Shona Holmes, a Kingston, Ontario
resident in need of an endocrinologist and neurologist, crossed the
border when she was told to wait “four months for one specialist and six
months for the other.” Karen Jepp delivered identical quadruplets in
Montana “because of a shortage of neonatal beds in Canada,” with the
Calgary health system picking up the tab.

Perhaps Canadians’ health care migration patterns are a result of their
own centralized system of government health care planning and “free
care” crashing into the government’s budget constraints. The annual
study “Paying Mo Getting Less” produced by the Fraser Institute, a
Canadian think tank, found that government-run monopolies established in
each province of Canada (simultaneously barring private operators from
competing for the delivery of public health services) produce rates of
growth in government health care spending that are “not financially
sustainable through public means alone.” Each province’s policy of
insulating consumers from price signals, such as premiums, co-payments
and deductibles, has naturally led to over-consumption of medical
treatment. Thus provincial governments, encountering fiscal restraints,
must resort to long queues and the rationing of care.

And wait patients must. A hospital survey of five countries (United
States, Canada, New Zealand, United Kingdom and Australia), conducted by
Robert Blendon and colleagues in Health Affairs found that “waits of six
months or more for elective surgeries were reported to occur ‘very
often’ or ‘often’ by 26–57 percent of executives in the four non-U.S.
countries; only 1 percent of U.S. hospitals reported this. Half of all
Canadian hospitals reported an average waiting time of over six months
for a 65-year-old male requiring a routine hip replacement; no American
hospital administrators reported waits this long.

--- news://freenews.netfront.net/ - complaints: ---

On 10/5/2015 7:04 AM, wrote:
> I know your story,


You know NOTHING, you lying ****!

DROP DAMNED DEAD NOW!

http://dailysignal.com/2010/02/09/th...go-to-america/

One common assertion among the left is that other industrialized
nations, such as Canada, achieved great success in health care within
their collectivist framework. This, then, begs the question: why is the
head of an east coast Canadian province coming to the United States for
medical treatment?

Newfoundland Premier Danny Williams is seeking heart surgery in the
United States, drawing criticism from “local bloggers and people calling
in to the province’s immensely popular open-line radio shows.” Yet his
actions are hardly unusual for world leaders. Saudi Arabian King
Abdullah bin Abdulaziz is known to have his checkups at the prestigious
Mayo Clinic in Rochester, Minn. Italian Prime Minister Silvio Berlusconi
had heart surgery at the Cleveland Clinic in 2006 . Even middle-class
Canadians are utilizing their proximity to the United States to seek
treatment here.

A study by Steven Katz, Diana Verilli, and Morris Barer in Health
Affairs examining the Ontario Health Insurance Plan from 1987 to 1995
found “evidence of cross-border care seeking for cardiovascular and
orthopedic procedures, mental health services, and cancer treatments,”
although not widespread. Examples include the governments of British
Columbia and Quebec sending patients to the United States for coronary
artery surgery and cancer treatment. Shona Holmes, a Kingston, Ontario
resident in need of an endocrinologist and neurologist, crossed the
border when she was told to wait “four months for one specialist and six
months for the other.” Karen Jepp delivered identical quadruplets in
Montana “because of a shortage of neonatal beds in Canada,” with the
Calgary health system picking up the tab.

Perhaps Canadians’ health care migration patterns are a result of their
own centralized system of government health care planning and “free
care” crashing into the government’s budget constraints. The annual
study “Paying Mo Getting Less” produced by the Fraser Institute, a
Canadian think tank, found that government-run monopolies established in
each province of Canada (simultaneously barring private operators from
competing for the delivery of public health services) produce rates of
growth in government health care spending that are “not financially
sustainable through public means alone.” Each province’s policy of
insulating consumers from price signals, such as premiums, co-payments
and deductibles, has naturally led to over-consumption of medical
treatment. Thus provincial governments, encountering fiscal restraints,
must resort to long queues and the rationing of care.

And wait patients must. A hospital survey of five countries (United
States, Canada, New Zealand, United Kingdom and Australia), conducted by
Robert Blendon and colleagues in Health Affairs found that “waits of six
months or more for elective surgeries were reported to occur ‘very
often’ or ‘often’ by 26–57 percent of executives in the four non-U.S.
countries; only 1 percent of U.S. hospitals reported this. Half of all
Canadian hospitals reported an average waiting time of over six months
for a 65-year-old male requiring a routine hip replacement; no American
hospital administrators reported waits this long.

--- news://freenews.netfront.net/ - complaints: ---

On 10/5/2015 8:15 AM, MisterDiddyWahDiddy wrote:
>> >If I have to go to a doctor right now, just a basic GP visit will cost
>> >me about $100. When I tell them I have no insurance, I'm treated like
>> >a bum until I reassure them that I have money and will pay for the
>> >visit that day.
> Yet you are so brain dead that you vote Republican.
>
> --Bryan


And you're such a Marxist whore that you vote Demotard and bankrupt the
entire nation!

You need to die real damned soon, you exterminable pile of dog shit!

--- news://freenews.netfront.net/ - complaints: ---

"Gary" > wrote in message ...
> Julie Bove wrote:
>>
>> "Janet B" wrote:
>> > Whatever works is good. Prescriptions are too costly and anything
>> > that helps with the cost is good. I have no problem with my regular
>> > insurance preferred drugs and the amount I pay ($3). But when you are
>> > working your way through your deductible you want to pay as little as
>> > possible.
>> > Janet US
>>
>> I can't see why you would say that. I want to meet the deductible as
>> soon
>> as possible. Then I pay less! However, the deductible does not apply to
>> my
>> prescriptions.
>
> People with the so called "good" insurance policies don't have a clue
> as to how health insurance works. These are private corporations in
> business to make a PROFIT. They don't pay your medical expenses out of
> their pockets ever. If you are getting out more than you pay in,
> someone else is paying for you.
>
> Up until the last 10 years, I always had medical insurance but each
> year we never met the deductible. We filed for insurance but then we
> always had to pay the full bill.
>
> Company paid insurance, which I used to have, paid for the premiums
> each month...a very good company benefit. But I still had to pay for
> the deductible. Never got that high. I paid all my medical bills and
> the company spent a fortune paying the monthly premiums.
>
> Then I started my own business and had to get personal insurance vs
> group insurance. Much more expensive for less benefits. I signed up
> with BC/BS with a "subscriber and one minor" policy.
>
> It was reasonable in the beginning. This was 1986. $80 a month to
> cover my daughter and I and $100 deductible.
>
> I finally HAD to cancel the insurance about 14-15 years later. It had
> gone way out of control.
>
> Each year or so, they would raise my monthly premium or raise my
> deductible- Even though we never got a penny back from them....we
> never met the annual deductible. We would file for the insurance, get
> a letter saying it was applied to the deductible, then I had to pay
> the doctor.
>
> Anyway, at the end of the time period, when I quit, my deductible was
> $750 and my new premium was going to be $425 per month. Big
> difference in 15 years...from 80 month 100 ded... to 425 month and 750
> ded.
>
> When I quit them - and I had to...I literally could not afford it
> anymore, I added up what I had paid them in premiums all those years.
> About $45,000. I paid them that much and they never paid a penny for
> any medical expenses. Do you see a problem here? I sure do.
>
> Bottom line here. All you folks that can get prescriptions for only a
> few dollars and get doctor visits for for 10-20 per visit. Medical
> care is not that inexpensive. Someone is paying for your cheap prices
> if you aren't paying for it in high monthly premiums.
>
> If I have to go to a doctor right now, just a basic GP visit will cost
> me about $100. When I tell them I have no insurance, I'm treated like
> a bum until I reassure them that I have money and will pay for the
> visit that day.

A lot of places don't take either of my insurances. Mostly they flat out
won't see if you they don't take the insurance. Our deductible for Tricare
is $150 per person and $350 per family. Not sure how that works since I
have yet to meet mine because of the Medicare. Medicare does have a
deductible but Tricare winds up covering it. Once in a while I have to pay
something like $10-15 for something. Not sure why. So it really does
behoove us to meet the deductible. Because after that, the amount we pay
for medical is a small portion. It's not a copay but a percentage.

"graham" > wrote in message
...
> On 05/10/2015 6:42 AM, Gary wrote:
>> Julie Bove wrote:
>>>
>>> "Janet B" wrote:
>>>> Whatever works is good. Prescriptions are too costly and anything
>>>> that helps with the cost is good. I have no problem with my regular
>>>> insurance preferred drugs and the amount I pay ($3). But when you are
>>>> working your way through your deductible you want to pay as little as
>>>> possible.
>>>> Janet US
>>>
>>> I can't see why you would say that. I want to meet the deductible as
>>> soon
>>> as possible. Then I pay less! However, the deductible does not apply
>>> to my
>>> prescriptions.
>>
>> People with the so called "good" insurance policies don't have a clue
>> as to how health insurance works. These are private corporations in
>> business to make a PROFIT. They don't pay your medical expenses out of
>> their pockets ever. If you are getting out more than you pay in,
>> someone else is paying for you.
>>
>> Up until the last 10 years, I always had medical insurance but each
>> year we never met the deductible. We filed for insurance but then we
>> always had to pay the full bill.
>>
>> Company paid insurance, which I used to have, paid for the premiums
>> each month...a very good company benefit. But I still had to pay for
>> the deductible. Never got that high. I paid all my medical bills and
>> the company spent a fortune paying the monthly premiums.
>>
>> Then I started my own business and had to get personal insurance vs
>> group insurance. Much more expensive for less benefits. I signed up
>> with BC/BS with a "subscriber and one minor" policy.
>>
>> It was reasonable in the beginning. This was 1986. $80 a month to
>> cover my daughter and I and $100 deductible.
>>
>> I finally HAD to cancel the insurance about 14-15 years later. It had
>> gone way out of control.
>>
>> Each year or so, they would raise my monthly premium or raise my
>> deductible- Even though we never got a penny back from them....we
>> never met the annual deductible. We would file for the insurance, get
>> a letter saying it was applied to the deductible, then I had to pay
>> the doctor.
>>
>> Anyway, at the end of the time period, when I quit, my deductible was
>> $750 and my new premium was going to be $425 per month. Big
>> difference in 15 years...from 80 month 100 ded... to 425 month and 750
>> ded.
>>
>> When I quit them - and I had to...I literally could not afford it
>> anymore, I added up what I had paid them in premiums all those years.
>> About $45,000. I paid them that much and they never paid a penny for
>> any medical expenses. Do you see a problem here? I sure do.
>>
>> Bottom line here. All you folks that can get prescriptions for only a
>> few dollars and get doctor visits for for 10-20 per visit. Medical
>> care is not that inexpensive. Someone is paying for your cheap prices
>> if you aren't paying for it in high monthly premiums.
>>
>> If I have to go to a doctor right now, just a basic GP visit will cost
>> me about $100. When I tell them I have no insurance, I'm treated like
>> a bum until I reassure them that I have money and will pay for the
>> visit that day.
>>
> As you know, in Canada we have a public funded system. My D-I-L had an
> emergency c-section and one twin spent 3 weeks in the NICU and the other
> is still there after 6.5 weeks.
> I dread to think what that lot would have cost them on your side of the
> border.
> Graham

For me? $1. Policies really do vary.

"Gary" > wrote in message ...
> Julie Bove wrote:
>>
>> "Janet B" wrote:
>> > But when you are working your way through your deductible you
>> > want to pay as little as possible.
>
>> I can't see why you would say that. I want to meet the deductible as
>> soon
>> as possible. Then I pay less!
>
> I replied to this but went off on a rant sorry.
>
> Julie, some people never meet their annual deductible. I never did.
> This is why you want to save money at every turn.

Many years ago, I never did. Now we meet it quickly.

On 05/10/2015 7:40 PM, Julie Bove wrote:
>
> "graham" > wrote in message
> ...
>> On 05/10/2015 6:42 AM, Gary wrote:
>>> Julie Bove wrote:
>>>>
>>>> "Janet B" wrote:
>>>>> Whatever works is good. Prescriptions are too costly and anything
>>>>> that helps with the cost is good. I have no problem with my regular
>>>>> insurance preferred drugs and the amount I pay ($3). But when you are
>>>>> working your way through your deductible you want to pay as little as
>>>>> possible.
>>>>> Janet US
>>>>
>>>> I can't see why you would say that. I want to meet the deductible
>>>> as soon
>>>> as possible. Then I pay less! However, the deductible does not
>>>> apply to my
>>>> prescriptions.
>>>
>>> People with the so called "good" insurance policies don't have a clue
>>> as to how health insurance works. These are private corporations in
>>> business to make a PROFIT. They don't pay your medical expenses out of
>>> their pockets ever. If you are getting out more than you pay in,
>>> someone else is paying for you.
>>>
>>> Up until the last 10 years, I always had medical insurance but each
>>> year we never met the deductible. We filed for insurance but then we
>>> always had to pay the full bill.
>>>
>>> Company paid insurance, which I used to have, paid for the premiums
>>> each month...a very good company benefit. But I still had to pay for
>>> the deductible. Never got that high. I paid all my medical bills and
>>> the company spent a fortune paying the monthly premiums.
>>>
>>> Then I started my own business and had to get personal insurance vs
>>> group insurance. Much more expensive for less benefits. I signed up
>>> with BC/BS with a "subscriber and one minor" policy.
>>>
>>> It was reasonable in the beginning. This was 1986. $80 a month to
>>> cover my daughter and I and $100 deductible.
>>>
>>> I finally HAD to cancel the insurance about 14-15 years later. It had
>>> gone way out of control.
>>>
>>> Each year or so, they would raise my monthly premium or raise my
>>> deductible- Even though we never got a penny back from them....we
>>> never met the annual deductible. We would file for the insurance, get
>>> a letter saying it was applied to the deductible, then I had to pay
>>> the doctor.
>>>
>>> Anyway, at the end of the time period, when I quit, my deductible was
>>> $750 and my new premium was going to be $425 per month. Big
>>> difference in 15 years...from 80 month 100 ded... to 425 month and 750
>>> ded.
>>>
>>> When I quit them - and I had to...I literally could not afford it
>>> anymore, I added up what I had paid them in premiums all those years.
>>> About $45,000. I paid them that much and they never paid a penny for
>>> any medical expenses. Do you see a problem here? I sure do.
>>>
>>> Bottom line here. All you folks that can get prescriptions for only a
>>> few dollars and get doctor visits for for 10-20 per visit. Medical
>>> care is not that inexpensive. Someone is paying for your cheap prices
>>> if you aren't paying for it in high monthly premiums.
>>>
>>> If I have to go to a doctor right now, just a basic GP visit will cost
>>> me about $100. When I tell them I have no insurance, I'm treated like
>>> a bum until I reassure them that I have money and will pay for the
>>> visit that day.
>>>
>> As you know, in Canada we have a public funded system. My D-I-L had an
>> emergency c-section and one twin spent 3 weeks in the NICU and the
>> other is still there after 6.5 weeks.
>> I dread to think what that lot would have cost them on your side of
>> the border.
>> Graham
>
> For me? $1. Policies really do vary.
Sorry to learn of your indigence.
Graham

On 10/6/2015 3:14 PM, graham wrote:
>>> I dread to think what that lot would have cost them on your side of
>>> the border.
>>> Graham
>>
>> For me? $1. Policies really do vary.
> Sorry to learn of your indigence.
> Graham

Are you really?

On Monday, October 5, 2015 at 9:01:40 AM UTC-4, graham wrote:

> As you know, in Canada we have a public funded system. My D-I-L had an
> emergency c-section and one twin spent 3 weeks in the NICU and the other
> is still there after 6.5 weeks.
> I dread to think what that lot would have cost them on your side of the
> border.

It all depends on your insurance policy. We've got health insurance
through my husband's employer. He was hospitalized for three days.
We never saw a bill. I frankly have no idea what the hospital billed.

We have to pay a portion of the insurance premiums. IIRC, it's $150
per month, which includes prescriptions. If he were uninsured, I'm
confident he'd pay more than $150/month just for his meds. My
thanks to all of his co-workers who don't use their benefits.

Cindy Hamilton

Cindy Hamilton wrote:
>
> On Monday, October 5, 2015 at 9:01:40 AM UTC-4, graham wrote:
>
> > As you know, in Canada we have a public funded system. My D-I-L had an
> > emergency c-section and one twin spent 3 weeks in the NICU and the other
> > is still there after 6.5 weeks.
> > I dread to think what that lot would have cost them on your side of the
> > border.
>
> It all depends on your insurance policy. We've got health insurance
> through my husband's employer. He was hospitalized for three days.
> We never saw a bill. I frankly have no idea what the hospital billed.

Just guessing but a fairly good guess. If I was hospitalized with no
insurance for 3 days, it's at least $1000 per day and probably more
depending on what they do or test you for.

> We have to pay a portion of the insurance premiums. IIRC, it's $150
> per month, which includes prescriptions. If he were uninsured, I'm
> confident he'd pay more than $150/month just for his meds. My
> thanks to all of his co-workers who don't use their benefits.

It's not just his co-workers on the same policy, it's all the people
worldwide that use the same company and don't claim much. Insurance
companies make a fortune overcharging everyone for health insurance.
Some customers develope large and expensive health problems and they
win. Most people pay each year and don't claim much. They pay for the
sicker ones.

Without insurance, most everyone would be screwed except the very
rich.

On Wednesday, October 7, 2015 at 7:57:42 AM UTC-4, Gary wrote:
> Cindy Hamilton wrote:
> >
> > On Monday, October 5, 2015 at 9:01:40 AM UTC-4, graham wrote:
> >
> > > As you know, in Canada we have a public funded system. My D-I-L had an
> > > emergency c-section and one twin spent 3 weeks in the NICU and the other
> > > is still there after 6.5 weeks.
> > > I dread to think what that lot would have cost them on your side of the
> > > border.
> >
> > It all depends on your insurance policy. We've got health insurance
> > through my husband's employer. He was hospitalized for three days.
> > We never saw a bill. I frankly have no idea what the hospital billed.
>
> Just guessing but a fairly good guess. If I was hospitalized with no
> insurance for 3 days, it's at least $1000 per day and probably more
> depending on what they do or test you for.
>
> > We have to pay a portion of the insurance premiums. IIRC, it's $150
> > per month, which includes prescriptions. If he were uninsured, I'm
> > confident he'd pay more than $150/month just for his meds. My
> > thanks to all of his co-workers who don't use their benefits.
>
> It's not just his co-workers on the same policy, it's all the people
> worldwide that use the same company and don't claim much. Insurance
> companies make a fortune overcharging everyone for health insurance.
> Some customers develope large and expensive health problems and they
> win. Most people pay each year and don't claim much. They pay for the
> sicker ones.

Not exactly. His company is self-insured. There's an outfit that
administers claims, but the company pays the claims directly, out
of the pool of money that is filled up by the premiums that they
and we pay.

Cindy Hamilton

On 10/7/2015 7:58 AM, Gary wrote:

> It's not just his co-workers on the same policy, it's all the people
> worldwide that use the same company and don't claim much. Insurance
> companies make a fortune overcharging everyone for health insurance.
> Some customers develope large and expensive health problems and they
> win. Most people pay each year and don't claim much. They pay for the
> sicker ones.

That's the definition of insurance.

nancy

On 07/10/2015 4:51 AM, Cindy Hamilton wrote:
> On Monday, October 5, 2015 at 9:01:40 AM UTC-4, graham wrote:
>
>> As you know, in Canada we have a public funded system. My D-I-L had an
>> emergency c-section and one twin spent 3 weeks in the NICU and the other
>> is still there after 6.5 weeks.
>> I dread to think what that lot would have cost them on your side of the
>> border.
>
> It all depends on your insurance policy. We've got health insurance
> through my husband's employer. He was hospitalized for three days.
> We never saw a bill. I frankly have no idea what the hospital billed.
>
> We have to pay a portion of the insurance premiums. IIRC, it's $150
> per month, which includes prescriptions. If he were uninsured, I'm
> confident he'd pay more than $150/month just for his meds. My
> thanks to all of his co-workers who don't use their benefits.
>
> Cindy Hamilton
>
There's a recession in this city due to the collapse in the oil price
with massive lay-offs in the major companies. Both my son and d-i-l were
newly unemployed at the time of the premature births.
Graham

On 10/7/2015 9:00 AM, Cindy Hamilton wrote:
> On Wednesday, October 7, 2015 at 7:57:42 AM UTC-4, Gary wrote:
>>
>> It's not just his co-workers on the same policy, it's all the people
>> worldwide that use the same company and don't claim much. Insurance
>> companies make a fortune overcharging everyone for health insurance.
>> Some customers develope large and expensive health problems and they
>> win. Most people pay each year and don't claim much. They pay for the
>> sicker ones.
>
> Not exactly. His company is self-insured. There's an outfit that
> administers claims, but the company pays the claims directly, out
> of the pool of money that is filled up by the premiums that they
> and we pay.
>
> Cindy Hamilton
>
>
Yep, self-insured plans are a different animal. There is usually
reinsurance which will kick in when the self-insured retention (SIR)
hits a certain level (say, $200,000 in claims). Often additional
reinsurance is added on top of that, generally only for very large
companies), known as aggregate coverage. And yes, a third-party claims
administrator handles the processing. (I've worked for a couple of TPA's.)

Jill

On Wed, 07 Oct 2015 07:58:21 -0400, Gary > wrote:

>Cindy Hamilton wrote:
>>
>> On Monday, October 5, 2015 at 9:01:40 AM UTC-4, graham wrote:
>>
>> > As you know, in Canada we have a public funded system. My D-I-L had an
>> > emergency c-section and one twin spent 3 weeks in the NICU and the other
>> > is still there after 6.5 weeks.
>> > I dread to think what that lot would have cost them on your side of the
>> > border.
>>
>> It all depends on your insurance policy. We've got health insurance
>> through my husband's employer. He was hospitalized for three days.
>> We never saw a bill. I frankly have no idea what the hospital billed.
>
>Just guessing but a fairly good guess. If I was hospitalized with no
>insurance for 3 days, it's at least $1000 per day and probably more
>depending on what they do or test you for.

I spent about 8 hours in the ER this past summer, walked into a low
tree limb and got a good rap on my forehead and didn't think much of
it but instead concentrated on my shin because I tripped on a small
stump, which is how I rapped my head, my shin was bleeding profusely
and I was out in the back field with my tractor. All I had for
applying pressure was a roll of paper towels. When th eblood slowed
to a light seep quickly got in the tractor and headed home in high
gear. I got into the shower and sway how I peeled back the first
layer of skin, about a 2" X 2" square attached at one side like a
flap. Finally I got th eblood to stop, applied an antibiotic salve
and bandaged it, wasn't serious so I figured I'd just rest awhile. All
of a sudden the room began to spin and I felt like throwing up. I
phoned the walk in clinic in town and they told me to get to the ER. I
waited for the room to stop spinning and I drove 25 miles to the
hospital. They ran all kinds of tests, had me hooked up to all kinds
of wires, did an x-ray and scan of my head, nothing broken but all the
tech saw in my head were images of her big boobs without her bra. They
kept me a few more hours for observation and sent me home, didn't even
rebandage my leg. They said I had a mild concusion and to see my
primary care doctor... their bill was $2,200. Between Medicare and my
AARP insurance I didn't have to pay a dime. My AARP prmium is $160 a
month (I pay extra because I have their F Plan which in NYS has no
deductible or co-pay for Dr/Hosp visits), well worth it, covers my Rx
too except for my deductible and co-pay which isn't very much... my 90
days of regular Rx costs me $134.83, without that insurance my meds
would run me minimally $1,349.50 for 90 days, and more for a one time
Rx at a local pharmacy... these days a typical few days course of
antibiotics can easily run $150, some a lot more... with insurance
those one time Rx run me $1.50-$3.50... costs me more for gas to drive
into town. I can't understand people not buying medical insurance,
but then, many don't pay for food these days, they opt to dine at food
banks and with food stamps... but they all have cash for cigs, booze,
and other sundry entertainment, including internet, HDTV full menu
cable, and smart phones. I see the no account sluts in Walmart all
the time, ugli women dressed to the nines, dripping in bling, fresh
from the hair dresser decked out in weave, a big cart filled with
porterhouse, shrimp, lobster tails, top of the line everything all
paid with food stamps... and right alongside a Sharpton looking dude
dressed in pimp's clothing buying the beer, cigs, and tons of top o'
the line cosmetics for cash. Then they leave the parking lot in a new
Mercedes. And there I am worked hard all my life with my cart filled
with cat food, cans of spam, Bushes beans, and a bag of spuds, paying
with green, and leaving the parking lot in my 1991 wheels wearing
Carhartt clothes more than 10 years old. I must be doing something
wrong... but then I sleep nights knowing I didn't sell my ass like
that ho who'll soon be traded in for a newer model, likely her
fourteen year old slut daughter, 'cause it's worth it for a weave.

>> We have to pay a portion of the insurance premiums. IIRC, it's $150
>> per month, which includes prescriptions. If he were uninsured, I'm
>> confident he'd pay more than $150/month just for his meds. My
>> thanks to all of his co-workers who don't use their benefits.
>
>It's not just his co-workers on the same policy, it's all the people
>worldwide that use the same company and don't claim much. Insurance
>companies make a fortune overcharging everyone for health insurance.
>Some customers develope large and expensive health problems and they
>win. Most people pay each year and don't claim much. They pay for the
>sicker ones.
>
>Without insurance, most everyone would be screwed except the very
>rich.

jmcquown wrote:
> On 10/7/2015 9:00 AM, Cindy Hamilton wrote:
>> On Wednesday, October 7, 2015 at 7:57:42 AM UTC-4, Gary wrote:
>>>
>>> It's not just his co-workers on the same policy, it's all the people
>>> worldwide that use the same company and don't claim much. Insurance
>>> companies make a fortune overcharging everyone for health insurance.
>>> Some customers develope large and expensive health problems and they
>>> win. Most people pay each year and don't claim much. They pay for the
>>> sicker ones.
>>
>> Not exactly. His company is self-insured. There's an outfit that
>> administers claims, but the company pays the claims directly, out
>> of the pool of money that is filled up by the premiums that they
>> and we pay.
>>
>> Cindy Hamilton
>>
>>
> Yep, self-insured plans are a different animal. There is usually
> reinsurance which will kick in when the self-insured retention (SIR)
> hits a certain level (say, $200,000 in claims). Often additional
> reinsurance is added on top of that, generally only for very large
> companies), known as aggregate coverage. And yes, a third-party
> claims administrator handles the processing. (I've worked for a
> couple of TPA's.)
>
> Jill
>

Is there anywhere you haven't worked?