Quote (Bruv @ Mar 19 2024 10:42am)
Couple things to set out for non freedom speakers
1. Medicare for seniors is not free. A portion of their social security is deducted to cover a subsidiary insurance plan via United Healthcare.
2. Certain individuals making under an amount of income by law can have their medical debts forgiven (Our Healthcare tax pays this). Fucks your credit score in some cases though.
3. People under personal bankruptcy have their medical bills paid by for the state (again covered by taxes)
4. "Obamacare" is a government discount option for special marketplace insurance plans. You do not qualify if you make over a certain amount
5. A deductible is an amount you pay in the event of a medical emergency that will cover you for all stays and procedures until discharge. You will still be covered for outpatient care related to the incident.
6. Max out of pocket is an amount you pay out of pocket for a year before insurance will cover the basic doctors visits and medications at 100%
Insurance basics in the USA:
A. PPO insurance plan
You can go get care wherever you want without referrals. However on cheaper plans this affects how much your insurance will pay in increments of 20% depending on how many checks you clear. More expensive plans guarantee coverage for 60 to 80 percent depending on the plan. Once you hit your max out of pocket then simple things like doctors visits and medications are covered 100%
B. EPO Insurance plan
Offers similar benefits to PPO except you now require doctors referrals. Your choice of doctors is limited.
C. HMO Insurance plan
You must stay in network as directed by your insurance plan. You will require a referral for all tests and specialists visits. Your insurance carrier will assign you a primary care physician.
Lot of tldr
I personally don't like our current health system. But health care for all is very taxing. And the other bad part of going health care for all is every single entity in the industry has to downsize. We could be looking at 100s of thousands of jobs lost in the 1st year as everyone's heads spin to restructure. Yeah it might be cheaper overall for everyone but cheaper just means someone else is losing profit.
The right wants to dismantle any benefits we get
The left doesn't actually have a concrete plan to go forward
I personally think insurance is a scam. Like last year I didn't carry insurance. I only saw my primary doctor once for pneumonia. 160$ for the doctor. 12$ for the 2 weeks of steroids. 30$ for an inhaler with 200 doses.
Funny thing is I picked up a secondary insurance plan this year. They're supposed to pay primary doctors 80$ per visit. I get a bill saying insurance was billed 300$ and I owe 140$
What's the fuckin point of insurance then? It's cheaper for me to cut them out. Just seems like the whole industry is book cooking and it's normalized.
Oh and your insurance can deny you coverage at any time if all the Ts aren't crossed and I's not dotted. Stupid.
healthcare is a scam, name one thing they do that resolves anything. 250,000 drugs not 1 cure. irradiated salt ivs, pain killers, hidden mixing and matching, taking your blood to give you more drugs that dont cure anything, damning up your blood circulation w/ pumps...ya no. its a sustainable scam, always has been.
its designed to k1ll people under the guise of health. its hell. plain and simple.
human body isnt synthetic, they cannot help you w/ synthetic garbage hidden in code@ high prices.
This post was edited by lodd222 on Mar 20 2024 11:13am