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What do you pay for health insurance?

Discussion in 'Sports and News' started by 93Devil, Jun 29, 2012.

?

Pretty simple, where do you fall?

  1. I have full coverage for me only and i pay nothing

    3.0%
  2. I have full coverage for me and I pay less than $200 a month

    26.9%
  3. I have full coverage for me and I pay between $200 and $500 a month

    16.4%
  4. I have full coverage for me and I pay more than $500 a month

    0 vote(s)
    0.0%
  5. I have full coverage for my family and I pay less than $200 a month

    7.5%
  6. I have full coverage for my family and I pay between $200 and $500 a month

    26.9%
  7. I have full coverage for my family and I pay more than $500 a month

    11.9%
  8. I do not have health insurance for myself

    6.0%
  9. I do not have health insurance for my family

    0 vote(s)
    0.0%
  10. Insurance for my family costs more than $1,000 a month

    1.5%
  1. JC

    JC Well-Known Member

    Our system is far from perfect but I will take any day of the week over what you have. Just look at what people are paying on this thread. You can link away, we have a lot of issues but nobody goes broke because they are sick. To each their own. I would rather pay higher taxes and have the care we have than the alternative.
     
  2. JR

    JR Well-Known Member

    As always, we can count on you to cherry pick articles on a system that you denigrate with adjectives like "crumbling". Really? Like your economy?

    As I've said many times before, the health system we have isn't perfect but at least people don't lose their homes and go bankrupt because they can't afford procedures. And on an international scale Canadian health care is routinely ranked ahead of the US.

    And not sure if you realise it, our health system is the same as yours but we have a single payer and Canadians don't have to dick around with Kafka like insurance bureaucracies. Doctors actually have more time to spend on patients than US doctors.
     
  3. JR

    JR Well-Known Member

    You're a fucking socialist :)
     
  4. The Big Ragu

    The Big Ragu Moderator Staff Member

    According to that second link, most Canadians personally feel differently than you do.

    Canadians seem to pride themselves on their caring and this distinction in their minds between them and Americans, who are "willing to let people die in the streets." But all the evidence in the world -- and those were just links to two stories in the last few days; that kind of thing is a daily occurrence -- is that they want a perception of themselves. When faced with reality -- and the reality has been doctor shortages, long wait times with the sickest patients being put in jeopardy by not being able to see specialists, emergency rooms that are nightmares in the major cities (with the rash of deaths in Toronto within the last few years) -- polls register the conflicting support of what is quoted above; they want the option to be able to pay to get the care they legally are not allowed to buy.

    I have long tried to point out that Canada hasn't magically solved the cost of health care in an environment in which the population is aging and people are living unhealthier lives and being kept alive through expensive medicine. What Canada has done is put a state-run monopoly in place and rationed care, the number of actual practitioners, equipment (there is a shortage of MRI machines in the country), etc. to control costs. It's also not just been a system of rationing, though. Because if they rationed as much as they need to, to pay for it, it would barely provide anything. So the Canadian government racks up tens of billions of dollars of debt -- in addition to the high taxes to fund the system -- to keep that system (the one people would like to change) in place.

    You said, "Just look at what people are paying on this thread."

    I look at what you are paying too -- the tax rates, the debt and the interest on that debt and the S&P warning earlier this year that Canada's health care costs are a threat to your country's credit rating.

    And then I look at what you are getting for it.

    The answer is there is no perfect answer and what Canada is doing is mirage meant to feel good. You offer universality. I understand the appeal of that. It also comes with all the inefficiencies of that kind of bureaucratic monopoly and the substandard overall care everyone universally gets when you have to ration and balance your debt load versus what you can offer, because the never-ending accumulation of debt is eventually going to sink you.
     
  5. The Big Ragu

    The Big Ragu Moderator Staff Member

    I guess I didn't realize that. Of course, the amount of time a doctor spends with a patient is kind of meaningless for the millions of Canadians who can't find a general practitioner or a pediatrician or a specialist, because of the shortage of doctors your government has created. Again, just culling stories from Canadian news sources in the last few WEEKS:

    http://www.intelligencer.ca/2012/06/22/pediatrician-shortage-nears-crisis

    http://www.calgarysun.com/2012/06/16/doctor-shortage-hits-clinics-hard

    http://metronews.ca/news/victoria/263250/doctor-shortage-forces-cowichan-walk-in-closure/

    That isn't cherry-picking anything as you like to tell me. I could give you a thousand links if you want me to hit Nexus. And it isn't just about linking to news stories. It is an objective reality.

    I know the reality doesn't fit the stubborn national pride thing that many Canadians cling to. I do think that is changing -- well, perhaps not in your household -- as those polls demonstrate.

    The shortage of specialists? It's because so many Canadian specialists have come to the U.S. to practice to command what their work and the demand for it actually can pay. Their time per visit with Canadian patients is zero, as a result. I am not sure what their average time per patient with their American patients is.
     
  6. BTExpress

    BTExpress Well-Known Member

    The "bankruptcy because of medical bills" is one of the most overhyped myths we have going.

    For most people, medical bills may have pushed them over the cliff, but it was the thousands in debt they had already amassed that led them to the cliff in the first place.
     
  7. JR

    JR Well-Known Member

    Mr. Rand never fails to disappoint.

    I can't even bother to go through all your right wing bullshit but let's look at this one paragraph:

    It also comes with all the inefficiencies of that kind of bureaucratic monopoly and the substandard overall care everyone universally gets when you have to ration and balance your debt load versus what you can offer, because the never-ending accumulation of debt is eventually going to sink you.

    "inefficiencies of that kind of bureaucratic monopoly" Well, in fact ours is a pretty transparent system. You go to the doctor, he/she bills the government. Government pays the doctor

    Canadian doctors, in case you weren't aware of it, are private businesses just like American doctors. The difference is that yours and their patients have to go through the Kafkaesque bureaucracy of insurance companies whose only job is to screw both . And you say we have a bureaucracy?

    substandard overall care Check your facts, pal. As I mentioned previously, Canadian health care is routinely considered superior to yours. And if it's substandard why do Americans routinely send their children to the Hospital for Sick Children in Toronto or come to Princess Margaret Hospital for cancer treatment?

    you have to ration This has always been a favourite of yours. So, in your country, if someone can't afford to have a procedure, that's not "rationing".Oh, wait it's the marketplace in action. It's just the poor's fault they don't have enough money to afford insurance. Yeah, that's civilized.

    because the never-ending accumulation of debt is eventually going to sink you That's freaking hilarious coming from someone whose country has the greatest debt in the world.

    And for every article you link claiming how our system is "unsustainable" (one of your other favourite cliches) I can cite sources indicating otherwise. Your arguments have the same logical fallacy: Appeal to Authority

    But then you're the same guy who has posted such nonsense as "NAFTA creates tariffs" when you clearly don't know the first thing about NAFTA

    The same applies to your knowledge of Canadian health care

    I will stick with our system because despite its flaws, beats anything you guys have .

    And I always love your "objective reality" comments. No, it's not objective reality just because you say so.

    It's funny that someone from a country with one of the most fucked up health care systems in the world would lecture someone from another country about their country's health care shortfalls.

    Ok, I've had my fun for tonight I think I'll take my government mandated meds and go to bed.
     
  8. HandsomeHarley

    HandsomeHarley Well-Known Member

    Right now, I pay about $225 a month for what they call "catastrophic" care. The deductible is $5,000.

    I'm about to get married again, and will probably switch to the $1,000 deductible, which I believe is double the amount, and add my wife.

    To get anything fixed, it costs $50 just to be seen ($20 per doctor copay, $30 per specialist copay and $50 for an ER visit).

    So basically, I can't afford to be seen for anything unless it's critical, then it can't be too critical or I'm screwed.

    It sucks royally, and now, since insurance companies know we have to carry it, it will skyrocket.
     
  9. joe

    joe Active Member

    I saw an ENT guy today about my fucked up nose and sinuses, had a camera stuck up my nose and hat a CT scan. Cost: $20.

    Surgery will cost $100 for probably a $6,000 (or more) procedure to fix my nose.

    My coverage also includes dental and vision. All preventative measures are covered 100 percent.

    The wife pays about $340 or so a month for us and our daughter. Of course, it helps that she works at big local university.

    This is the first time I've had insurance since working at a paper in the I.E. in 2006.

    Joe
     
  10. Bodie_Broadus

    Bodie_Broadus Active Member

    I have the best plan my employer offers and I pay roughly $80 a month for medical, dental and vision.
     
  11. RickStain

    RickStain Well-Known Member

    It's a self-perpetuating myth, too. A lot of these bankruptcy studies are just surveys. If you ask someone why they went bankrupt, they would probably rather tell you "medical bills" than "hookers and blow on the credit card."
     
  12. JC

    JC Well-Known Member

    I don't know why but that just made me laugh out loud. Although I think the only thing the credit card would be used for with blow would be to line it up. I doubt the local dealer is accepting MasterCard.
     
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