Author Topic: Obamacare Master thread  (Read 199467 times)

Offline ChaimMoskowitz

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Re: Obamacare Master thread
« Reply #460 on: April 02, 2018, 03:17:19 PM »
Insurance is for unexpected or rare expenses.
Say what?
I just found a new supply of forks!

Offline ExGingi

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Re: Obamacare Master thread
« Reply #461 on: April 02, 2018, 03:40:29 PM »
Say what?
Think about other forms of commonly purchased insurance:

Homeowner's
Renter's
Auto
CDW
Term Life
Disability

No compare the frequency of claims on any of those to what is called health insurance (and is mostly prepaid medical). A catastrophic plan might be comparable, and is true insurance.

http://facebook.com/l.php?u=http://www.wsj.com/articles/prepaid-health-care-is-not-true-insurance-1511910240
« Last Edit: April 02, 2018, 04:14:04 PM by ExGingi »
I've been waiting over 5 years with bated breath for someone to say that!
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Offline ChaimMoskowitz

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Re: Obamacare Master thread
« Reply #462 on: April 02, 2018, 06:00:04 PM »
Think about other forms of commonly purchased insurance
So your saying it should not be called insurance?
I just found a new supply of forks!

Offline ExGingi

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Re: Obamacare Master thread
« Reply #463 on: April 02, 2018, 07:35:37 PM »
So your saying it should not be called insurance?
Catastrophic plans are insurance. All others are a combination of insurance and prepaid medical.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline aygart

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Re: Obamacare Master thread
« Reply #464 on: April 02, 2018, 10:41:46 PM »
So your saying it should not be called insurance?
Not in its current form
Feelings don't care about your facts

Offline aygart

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Re: Obamacare Master thread
« Reply #465 on: April 02, 2018, 10:42:46 PM »
Can you better explain to me what you mean by "prepaid medical expenses"


I'm not to familiar with catastrophic plans but from what I understand is that they are dirt cheap for a few reasons

1) self segregation of risk pools ie only healthy people sign up sick people go to regular plans (This is the main reason why they are problematic) 
2) age limitations
3) high deductibles
4) they are junk and don't cover much even in a catastrophe
Sounds like you swallowed the talking points without much thought to it.
Feelings don't care about your facts

Offline ChaimMoskowitz

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Re: Obamacare Master thread
« Reply #466 on: April 03, 2018, 09:57:21 AM »
Not in its current form
1. a practice or arrangement by which a company or government agency provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a premium.
I just found a new supply of forks!

Offline aygart

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Re: Obamacare Master thread
« Reply #467 on: April 03, 2018, 10:13:08 AM »
1. a practice or arrangement by which a company or government agency provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a premium.
Bravo
Feelings don't care about your facts

Offline ExGingi

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Re: Obamacare Master thread
« Reply #468 on: April 03, 2018, 11:59:03 AM »
1. a practice or arrangement by which a company or government agency provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a premium.
Do you consider the words "loss" and "expense" to be synonymous?
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline ChaimMoskowitz

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Re: Obamacare Master thread
« Reply #469 on: April 03, 2018, 01:02:41 PM »
Do you consider the words "loss" and "expense" to be synonymous?
In this context yes. I am late to conversation so I probably missed it. What's the big deal with calling it insurance?
I just found a new supply of forks!

Offline aygart

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Re: Obamacare Master thread
« Reply #470 on: April 03, 2018, 08:22:59 PM »
In this context yes. I am late to conversation so I probably missed it. What's the big deal with calling it insurance?
Don't you think it would make sense to understand what he was trying to say before pulling out the dictionary?
Feelings don't care about your facts

Offline ExGingi

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Re: Obamacare Master thread
« Reply #471 on: April 08, 2018, 02:21:18 PM »
https://www.bloomberg.com/news/features/2018-04-03/what-it-s-like-living-without-health-insurance-in-america

Quote
Sarah Yoder and her 8-year-old daughter walked out of their pediatrician’s office in early February before the appointment began. Her family dropped their health insurance plan the month before, and the clinic didn’t offer a discount for paying cash. The checkup would have cost $150.

This is (possibly a big) part of the problem. While we all (around here) know that two people sitting next to each other on a flight might have paid very different prices, often hundreds of dollars apart (if not more), I think we can all agree that while that is forgivable for the airline industry which runs a business, for a necessity such as healthcare it is an outrage that people should be charged vastly different amounts based on how the provider is paid, with the cash paying customers paying the highest possible price! I have no doubt that insurance reimbursement for such a visit would have been $50 or less (depending on the plan).

Or another quote from the article (same family):

Quote
Yoder needed medication herself for a psoriasis outbreak in January. She called several pharmacies to check prices, and a coupon cut the price of the topical steroid Clobex to $125 from $600.

IMHO this should be outlawed! Might do a lot more for healthcare in America than Obamacare ever did.

This system is broken, and Obamacare did absolutely nothing to fix it!

See more about drug prices and gaming the system here:
https://www.bloomberg.com/news/features/2018-04-06/when-these-new-pharma-bros-show-up-drug-prices-tend-to-go-monumentally-higher
« Last Edit: April 08, 2018, 02:29:25 PM by ExGingi »
I've been waiting over 5 years with bated breath for someone to say that!
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Offline aygart

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Re: Obamacare Master thread
« Reply #472 on: April 08, 2018, 02:39:46 PM »



This system is broken, and Obamacare did absolutely nothing to fix it!

Fix? Lol! Be happy for any aspect it didn't make worse!

Feelings don't care about your facts

Offline ExGingi

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Re: Obamacare Master thread
« Reply #473 on: April 08, 2018, 03:00:34 PM »
Fix? Lol! Be happy for any aspect it didn't make worse!
It's ספירת העומר, I'm trying to refine my middos, so I was being super gentle.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline ChaimMoskowitz

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Re: Obamacare Master thread
« Reply #474 on: April 08, 2018, 04:33:34 PM »
This system is broken, and Obamacare did absolutely nothing to fix it!
Wasn't Obamacare to get more people insured?
I just found a new supply of forks!

Offline ExGingi

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Re: Obamacare Master thread
« Reply #475 on: April 08, 2018, 05:23:12 PM »
Wasn't Obamacare to get more people insured?
Ahem...

  • Can we stop calling this insurance (even though with high deductibles it kind of looks like it, but it actually has a prepaid medical component in there, and as for the insurance component, just price in guaranteed coverage for pre-existing conditions...).
  • Didn't I hear the phrase "if you like your plan, you can keep your plan" somewhere? It keeps on popping up at the back of my mind.
  • Repeat after me: OBAMACARE WAS DELIBERATELY DESIGNED TO FAIL! (and was sold to everyone using whatever lie would work to break through people's defenses).

Last, but not least. I have a bridge to sell you. I'll give you a special DDF member price.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline ChaimMoskowitz

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Re: Obamacare Master thread
« Reply #476 on: April 08, 2018, 05:27:55 PM »
Ahem...
I guess you think that is a bad thing.
I just found a new supply of forks!

Offline ExGingi

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Re: Obamacare Master thread
« Reply #477 on: April 08, 2018, 05:31:19 PM »
I guess you think that is a bad thing.
Define that, which you believe I think is a bad thing.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline ChaimMoskowitz

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Re: Obamacare Master thread
« Reply #478 on: April 08, 2018, 05:32:33 PM »
Define that, which you believe I think is a bad thing.
More people insured.
I just found a new supply of forks!

Offline ExGingi

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Re: Obamacare Master thread
« Reply #479 on: April 08, 2018, 05:38:38 PM »
More people insured.
How in the world could you construe my words to mean that having more people insured would be a bad thing?
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan