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Old 09-14-2011, 10:34 AM   #1
Chiefnj2 Chiefnj2 is offline
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Quote:
Originally Posted by cdcox View Post
So to me, this kind of plan makes a lot of sense. Insurance should cover catastrophic expenses that can not be easily absorbed by a normal person/family. The kind of expenses you are talking about (a few hundred a month at most) should easily be handled by a single guy with a good income. You don't really need insurance to cover those costs. If you were to be in a major accident or contract a major disease, you would need insurance to cover those costs. It may not be as good as the plan you had before, but I think that will be true for everyone as employers, individuals and the nation seek to control health care costs. Still your plan protects you from significant financial risk from virtually any medical situation that would come your way -- which should be the basic function of insurance.
If you want to control healthcare cost, shouldn't there be a compromise between Drs/Hospitals that charge $750 for three stitches to your finger, and an insurance company that then agrees to pay the Dr/Hospital $39 dollars for the treatment?
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Old 09-14-2011, 10:19 AM   #2
LiveSteam LiveSteam is offline
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I you want great insurance. Then become a politician. Other wise forget it.
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Old 09-14-2011, 02:26 PM   #3
BWillie BWillie is online now
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I don't mind having a high deductible, supplemented by an HSA. You get to self-insure part of your care. Would have been even better if I had the HSA when I started working then I'd have alot more money in there. Having a high deductible plan w/ HSA, I play 70% less than I did when I had a co-pay. The co-pay was nice, I admit, but if companies are going to continue to screw over the non-smoking, working out, healthy, young portion of their work force what can you do. I really do think it's BS that I pay the same price for health insurance as a 60 year old smoker with prior conditions.
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Old 09-14-2011, 07:22 PM   #4
SAUTO SAUTO is offline
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Tough for a small business owner to have insurance...

GOJC and I talked about this before.

sucks but the truth. I save money in case. Have a tiny plan that only pays a portion of big shit.

Haven't seen a dr in years. Medicine just makes you need more medicine imo anyway.

Kills the immume system imo. I've probably taken antibiotics less than 15 times since I can ever remember.
Actually maybe less than 10.
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Old 09-14-2011, 07:24 PM   #5
SAUTO SAUTO is offline
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I do get regular tetnus sp? Shots though.

Lots of rusty metal cuts for me.
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