Virginia files suit against healthcare bill

[donnA]

Deductibles and co-pays are not going away, my friend. Instead , as the government gets further into this and has more and more difficulty paying for the program, deductibles and Co-pays are likely to increase, along with the rewriting of coverage in general to lower benefits.

Of course, rationing will have to begin somewhere in there.

Obamacare is not a magic bullet, it is a deadly one, and it's going to cost everyone a fortune and lower the quality and access of care that we are used to having.

Enjoy it. When you need it most, it will eventually fail you.

so people who barley live now will be forced to pay for insurance, then deductables and co pays, yeah right, going to see a lot more people in this country starving to death, and still dying from injury and disease because they can't pay for the deductables and co pays, not going to help anyone at all. just going to cost more of what little we have now.

 

[donnA]

states requiring auto insurance

Wisconsin and New Hampshire

http://www.carinsurance.com/kb/content20009.aspx

In states requiring auto insurance, it is not a forced insurance on all citizens or your fined, it only for those who wish to drive automobiles on the road, makes it your choice, not the federal governements.

49 states have seat belt laws
http://www.ghsa.org/html/stateinfo/laws/seatbelt_laws.html

 

[targus]

There used to be a time not too long ago when all I needed was my insurance card and no deductibles in all of the companies I've worked for, but now that time is gone and I don't know why.

Can someone explain why it is now standard for insurance company plans to have deductibles even if the company they cover employs 500 people.

An insurance policy is a negotiated contract. A health insurance policy with deductibles is what your company chose to buy probably out of cost savings concerns.

A deductible amount or co-pay causes the user to think twice as to whether or not they really need the service. When there is no deductible many go to the doctor when they don't really need to simply because it doesn't cost them anything.

Your employer provided insurance plan sounds like a pretty good deal. A $750 annual deductible amount for you to pay is $62.50 a month or $14.42 a week for your medical care. That is a bargain when compared to the potential cost of going without coverage.

 

[Salty]

Are there any states where you do not have to wear a seat belt?


You are still mandated by government to have insurance if you drive. I have a motorcycle and I am required to have liability insurance.

New Hampshire does not have a seat belt law. LIVE FREE OR DIE!

As far as vehicle insurance, there is no "right" to drive. It is a privilege, and again I emphasis that insurance is to protect me from your wrong actions.

 

[FR7 Baptist]

When there is no deductible many go to the doctor when they don't really need to simply because it doesn't cost them anything.

This is a serious question- How many people are really like that? I know I absolutely HATE going to the doctor and I can't imagine anyone going when they don't need to, even if it costs them nothing out of pocket.

 

[Robert Snow]

New Hampshire

I did not know this, thanks! I wonder if this has affected this state's access to government highway programs?

 

[JohnDeereFan]

BTW, we do a lot of things that are not specifically addressed in the Constitution. Seat belts are not mentioned, but we all wear them. Having automobile insurance is another, but we can't drive without it.

Could you please tell us the federal statute that mandates that we wear seatbelts and have auto insurance?

 

[matt wade]

This is a serious question- How many people are really like that? I know I absolutely HATE going to the doctor and I can't imagine anyone going when they don't need to, even if it costs them nothing out of pocket.

There are lots of people that run to the doctor for every little, tiny ailment. I know many of them.

 

[targus]

This is a serious question- How many people are really like that? I know I absolutely HATE going to the doctor and I can't imagine anyone going when they don't need to, even if it costs them nothing out of pocket.

Fairly frequently I think.

Studies have shown that when an employer sets up a fund that the employee can draw on to pay deductibles and co-pays through the year and then keep the remaining balance at the end of each year - employees go to the doctor less than if they cannot keep the remaining balance.

When you have an investment in each doctor visit you tend to think a little bit more about whether it is really necessary or not.

Co-pays and deductibles really are not much when compared with the total cost of a doctor visit and lab expenses or hospital stay.

 

[Salty]

This is a serious question- How many people are really like that? I know I absolutely HATE going to the doctor and I can't imagine anyone going when they don't need to, even if it costs them nothing out of pocket.

You would be surprised how many people will actually go to the doctor or ER, just to have company. In addition, I drive Medicaid cab. I have picked up many customers who didn't really need to go t the DR. but since the medical and taxi were free - why not.

I have heard the same in military hospitals - some just go because they are lonely.


Here in the Salt City, one Medicaid recipient made some 500 visits to the Emergency room in one year - and state law requires the ambulance to transport him, even if the medic does not think it is worthy of an ER trip.
(wish I could find the link)

Salty

 

[pinoybaptist]

An insurance policy is a negotiated contract. A health insurance policy with deductibles is what your company chose to buy probably out of cost savings concerns.

A deductible amount or co-pay causes the user to think twice as to whether or not they really need the service. When there is no deductible many go to the doctor when they don't really need to simply because it doesn't cost them anything.

Your employer provided insurance plan sounds like a pretty good deal. A $750 annual deductible amount for you to pay is $62.50 a month or $14.42 a week for your medical care. That is a bargain when compared to the potential cost of going without coverage.

maybe you are right. IF, as pointed out, one can quickly pull out his wallet.
but for a paycheck to paycheck income ?
and I would say a lot of people in these United States are that.

it's not a question of whether the glass is viewed as half-full, or half-empty, to me it's a question of is there water to view as half-filling or half-empty from the glass.
could be the same question for many, but I don't know.

 

[pinoybaptist]

Deductibles and co-pays are not going away, my friend. Instead , as the government gets further into this and has more and more difficulty paying for the program, deductibles and Co-pays are likely to increase, along with the rewriting of coverage in general to lower benefits.

Of course, rationing will have to begin somewhere in there.

Obamacare is not a magic bullet, it is a deadly one, and it's going to cost everyone a fortune and lower the quality and access of care that we are used to having.

Enjoy it. When you need it most, it will eventually fail you.

Bad news, really bad news.
Seeing as how health care is going to be worse, as you say, I can understand now why a Filipino doctor in the Philippines tells his patients from the mountain villages to go see their local albulario (herb doctors) or their local hilots (kind of herb chiropractor) for very minor cases that come into his clinic.