Time to nationalize the healthcare system

I just had my knee redone. It still hurts a lot. But I can't afford physical therapy. I can't afford my prescriptions. All my savings just went to pay the hospital, doctor, and anesthesiologist.

For 30 years now healthcare insurance premiums have gone up 20% per year. Every five years the premium double in price. Now my insurance pays for NOTHING until I reach $6000. This is on top of my employer deducting $1000 from my paycheck every month. After $6000 I have to pay 20% of the cost until $7500. Once $7500 hits everything is covered 100%.

So based on this I simply can't afford my healthcare needs. Look I get it. We value self-reliance in this country and we should all just suck it up. Life is tough. I should stop whining about it and get a second part-time job. John Wayne would never complain.

But then there comes a point where you have say EFF YOU to you CEOs running these cartels and monopolies. Let's think about it for minute. By gouging the policy holder out the wahoo forces the policy holder to STOP using services. This means the CEOs make MORE money not less!!! This is a HUGE win for the cartel!!!! The CEOs now have a really strong incentive to pass as much cost onto the policy holder as possible.

And it is a cartel because my employer negotiates what it will cost me. I have no participation. There is no free-market. There is no competition keeping prices down. THE SYSTEM IS RIGGED!!!

All I'm saying is if there were an opportunity to break some glass, set some cars on fire, burn down some bank buildings, I'm not sure I would be able to stop myself from joining into the frenzy of it. These healthcare CEOs are off the rails. I'm tired of being gouged!!! We need to bring back FDR style 90% tax rates. Make inheritance tax 100%. I don't want fairness. I WANT REVENGE!!! I say EFF the healthcare CEO MOTHER EFFERs!!! I hope every healthcare CEO dies of cancer and all their family members too!! Screm em!! I'm tired getting reamed up the but hole by these mother effers!!!!

I've always seen myself as a law abiding citizen. But if the president is breaking laws left and right then what's the point of me abiding?????

a reply to: dfnj2015
Ah, the dreaded "socialised medicine". Those who have got that system prefer to keep it, but it has to come out of taxation. You're going to sell your people on the idea of higher taxes?

a reply to: DISRAELI

Screw socialism. Let's have mandatory capital punishment for robber barons!! It's beyond socialism at this point.

a reply to: dfnj2015

I'm sorry you're going through this. It would probably cost less to pay into national health care via taxes than for everyone to continue funding the insurance companies. ☹

Just make sure you don't catch a virus if you get your wish.

Good luck!

a reply to: dfnj2015

I have about the same problem now and we both in NJ, what a coincidence.

Not working since yesterday and long way ahead. My knee is killing me, just came from MRI and waiting for results. Might take another week.

I guess I'll go temp disability. I got AFLAC, that'll help little bit. My insurance sucks as yours.

Just want to share it with you, you're not alone brother

originally posted by: dfnj2015
a reply to: DISRAELI
Screw socialism. Let's have mandatory capital punishment for robber barons!! It's beyond socialism at this point.

Yep. I'm with you on this one. It isn't about politics.

Grow up, stop bitching. You'll have far less money with Democrats in power. Logic is greater than feelings. Its going to get a lot worse for everyone, especially under more socialism, so you better get prepared.

a reply to: dfnj2015

Um....

I buy my employees Blue Cross Blue Shield Gold with a $500 deductible.

It costs me roughly $900 a month per employee... no group policy.

I have the same for myself.

You should seriously either opt out or get a better employer.

As for the rest of your rant, we are well aware how the left feels about anyone that has more then they do.

Except for thier millionaire leadership...

They get a pass, for some reason.

So no, I will take a hard pass on "health care for none", which is what nationalized healthcare would end up being.

Just go to most of the reservations in America and check it out yourself.

The Navajo have a saying... don't get sick after June.

Because that's about when the money for the year runs out.

a reply to: dfnj2015

Man that suck....hope you'll get through it okay.

On a side note, any indication of what a 14 day quarantine hospital visit is going to cost the average American if that corona virus breaks in the U.S.?

If the flu don't get ya...the hospital bill is gonna.

Peace

a reply to: dfnj2015



Oddly enough I had a full ACL reconstruction and thanks to my insurance through my work at that time everything from the MRI to the surgery to the meds to the therapy was financially manageable.

As for this line " I hope every healthcare CEO dies of cancer and all their family members too!! Screm em!!"

This arguably has to be one of the dumbest things I have ever read on ATS so points to you for that.

a reply to: dfnj2015

Sounds like your insurance policy sucks. $250 a month, $500 deductible, and max family out of pocket is $1500. My care would get significantly worse under a nationalized service. Why would anyone vote for worse care?

originally posted by: dfnj2015
[...]

But then there comes a point where you have say EFF YOU to you CEOs running these cartels and monopolies. Let's think about it for minute. By gouging the policy holder out the wahoo forces the policy holder to STOP using services. This means the CEOs make MORE money not less!!! This is a HUGE win for the cartel!!!! The CEOs now have a really strong incentive to pass as much cost onto the policy holder as possible.

And it is a cartel because my employer negotiates what it will cost me. I have no participation. There is no free-market. There is no competition keeping prices down. THE SYSTEM IS RIGGED!!!

[...]

Thanks for keeping it real and saying it as it is, a "Cartel", plain and simple! The U.S. healthcare needs a sweeping change because this model, as it is, simply does not work.

If the government isn't preferred to get into healthcare management, why big greedy corporations are OK to manage it?! And we can see how it's ended - unaffordable medical care, broken insurance, sick people. It all boils down to the greediness of many of the people involved in the healthcare industry.

I'm in the US and I don't have medical insurance cause I can't afford it and I'm going to Europe for a surgery that's way cheaper over there. When I had a work injury, it was an emergency and I had to go to the hospital here. I paid cash for that and thank God the hospital financial office gave me a break when I told them I don't have insurance and they lowered my bill.

I had a global capsulotomy, SLAP repair, and suprascapular nerve decompression all at once just before Thanksgiving. I've been at PT 3 X a week since September. My insurance has been great. The deductible hasn't been cheap, but it's been manageable and almost all the surgery was covered minus a couple bills.

I'd agree with the others that you need a better policy through a better employer.

Our insurance has been good over the years, and when it has been stinky about something, the company HR has been good about going to bat on our behalf to negotiate. Between the two, we've had our needs more than covered.

a reply to: dfnj2015

Sounds like you got an ObamaCare policy that baits the hook for premiums paid for 🎯 😃

originally posted by: dfnj2015

For 30 years now healthcare insurance premiums have gone up 20% per year. Every five years the premium double in price. Now my insurance pays for NOTHING until I reach $6000. This is on top of my employer deducting $1000 from my paycheck every month. After $6000 I have to pay 20% of the cost until $7500. Once $7500 hits everything is covered 100%.

That is the crappiest policy I have ever heard of. You have a $6,000 deductible AND your employer deducts $1,000 per month for healthcare? That's the crappiest employer I have heard of, too. That just sounds too bad to be true. Who is your employer and what is your job? I'm guessing you wont say, which I understand, but this claim is begging to be verified.

I'm not buying it, I thought he recently told us he has a minimum wage job in which case there would be no premium cost to him through the ACA.

originally posted by: dfnj2015
I just had my knee redone. It still hurts a lot. But I can't afford physical therapy. I can't afford my prescriptions. All my savings just went to pay the hospital, doctor, and anesthesiologist.

For 30 years now healthcare insurance premiums have gone up 20% per year. Every five years the premium double in price. Now my insurance pays for NOTHING until I reach $6000. This is on top of my employer deducting $1000 from my paycheck every month. After $6000 I have to pay 20% of the cost until $7500. Once $7500 hits everything is covered 100%.

I think that what seems to be a quota system derived out of vehicle insurance is pretty sick when applied to people, that's wrong.
Physio should be part and parcel of the initial operation, as should observation and care/remedial care if necessary, as should practical advice, and likely most important muscle tissue may/will be in need of regrowth, that muscle and tissue needs to know what to do, and in the right way, just like a baby learning to walk in the right way, and when you think about it, that's really a fairly short time frame. That should not be privileged advice to have to pay for.
In edit,

a reply to: dfnj2015

I will never be for state run healthcare. Single payer insurance, yes. Unfortunately we can't have it because our politicians can't be trusted to do it right.

Free healthcare to illegals and no borders, sorry, this country can't afford that. Hope it all works out for you.

I currently pay $200/month, $500 deductible. No or like $15 copays.

a reply to: dfnj2015

Yeah that sucks.
The only thing I will say is that with socialized medicine not having any out of pocket expenses it makes up for that benefit by high taxes.

Kind of a six of one, half a dozen of the other.