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Open Enrollment - Let's All Complain

Truth said:
Alaska, could you find another employer who will agree to pay nothing for your healthcare? Would that be better?
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I'm having trouble understanding your point.

If I left to work for a smaller CPA firm that didn't offer health benefits, they would need to offer higher than industry average pay in order to recruit and retain people. This is actually common for very small firms (5-10 person firms) to do. They don't offer health insurance, but they pay $5-10K more per year than larger firms that do offer the insurance.

I'm thankful I have a career that provides for my family, but I'm not going to pretend that health insurance is something that my employer gives me for free. That's ridiculous.
 
tonstermits said:
Does anyone actually like their insurance plan? CNN likes to say most of us love our insurance!
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it’s relative.

Ask people if they prefer to keep their insurance or be forced to switch to m4a, most want to keep what they’ve got.
 
silesian said:
it’s relative.

Ask people if they prefer to keep their insurance or be forced to switch to m4a, most want to keep what they’ve got.
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Link to a poll? Do most people even know what m4a is? I have no idea what it is.

Sent from my ONEPLUS A6013 using JazzFanz mobile app
 
fishonjazz said:
Link to a poll? Do most people even know what m4a is? I have no idea what it is.

Sent from my ONEPLUS A6013 using JazzFanz mobile app
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doesn’t directly answer the question but provides some insight



According to a July 22 poll from the PBS NewsHour, NPR and Marist, 70 percent of U.S. adults said they supported Medicare for All proposals as long as they maintain an option to keep private health insurance. A system like this has been proposed by Pete Buttigieg. By comparison, when asked in a separate question, only 41 percent of survey respondents said they wanted to scrap private health insurance for a government-run plan.
 
silesian said:
doesn’t directly answer the question but provides some insight



According to a July 22 poll from the PBS NewsHour, NPR and Marist, 70 percent of U.S. adults said they supported Medicare for All proposals as long as they maintain an option to keep private health insurance. A system like this has been proposed by Pete Buttigieg. By comparison, when asked in a separate question, only 41 percent of survey respondents said they wanted to scrap private health insurance for a government-run plan.
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I wonder how many of those people even understand what a different option would look like.
They might simply be scared because they have been programmed to be scared of things even remotely resembling the evil of socialism.

Sent from my ONEPLUS A6013 using JazzFanz mobile app
 
Thanks for the reminder to do this! We usually wind up with pretty decent options (woohoo the 'benefits' of making those teacher bucks).
 
I work for the State of Utah, which means I'm underpaid. But I can't complain about my insurance and benefits package, which is why I took this job. It has been a lifesaver as my health declines. The State self-funds their insurance. So I pay $22.43 every two weeks for single person coverage, the State pays $249.61 every two weeks. My deductible is $350, then it is standard 80%/20%. I certainly do not buy into the argument that government cannot run health care decently. It looks to me like private insurance is the entity that cannot run health care efficiently.
 
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fishonjazz said:
I wonder how many of those people even understand what a different option would look like.
They might simply be scared because they have been programmed to be scared of things even remotely resembling the evil of socialism.

Sent from my ONEPLUS A6013 using JazzFanz mobile app
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Pretty likely. Change is scary even if you are coming from a pretty crappy place.
 
JazzGal said:
I work for the State of Utah, which means I'm underpaid. But I can't complain about my insurance and benefits package, which is why I took this job. It has been a lifesaver as my health declines. The State self-funds their insurance. So I pay $22.43 every two weeks for single person coverage, the State pays $249.61 every two weeks. My deductible is $350, then it is standard 80%/20%. I certainly do not buy into the argument that government cannot run health care decently. It looks to me like private insurance is the entity that cannot run health care efficiently.
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Damn that's good insurance

Sent from my ONEPLUS A6013 using JazzFanz mobile app
 
I happy I have the insurance I have and that my family is double insured because now that my wife moved to a salaried position she has access to reasonably good insurance as well and we both purchase the full package available. That said we hardly use it. But I don't pay co-pays, or really have to worry about what the deductible is because part is covered by one insurance and the rest is covered by the other one and while we pay significant premiums for two separate plans we don't have to pay a lot out of pocket.

I'm pretty strongly convinced that a universal single payer M4A plan would be the best possible option for me, for people like me and most especially for people who currently have garbage insurance or are severely underinsured and especially if they are not insured at all.

I don't want private insurance companies in that loop. I'm fine with additional coverage offered by private insurers, but I don't want them included in any M4A plan.
 
Gameface said:
I happy I have the insurance I have and that my family is double insured because now that my wife moved to a salaried position she has access to reasonably good insurance as well and we both purchase the full package available.
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If something really bad happens, your providers might experience a delay in getting paid as the two insurance companies fight it out for which one is responsible for the payments, and your credit might suffer as a result.
 
One Brow said:
If something really bad happens, your providers might experience a delay in getting paid as the two insurance companies fight it out for which one is responsible for the payments, and your credit might suffer as a result.
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The way this used to work was you listed one as primary and one as secondary. My wife and I had this for a while when we were first married. They billed the primary then whatever wasn't paid was billed to the secondary. Sounds like they don't do that anymore.
 
LogGrad98 said:
The way this used to work was you listed one as primary and one as secondary. My wife and I had this for a while when we were first married. They billed the primary then whatever wasn't paid was billed to the secondary. Sounds like they don't do that anymore.
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It depends on the policies of course. If the primary doesn't know about the secondary now, and finds out later, it can get messy.
 
LogGrad98 said:
The way this used to work was you listed one as primary and one as secondary. My wife and I had this for a while when we were first married. They billed the primary then whatever wasn't paid was billed to the secondary. Sounds like they don't do that anymore.
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The way it has worked for us is that the provider asks what our birthdays are and then tells us the primary is based on whose birthday comes first.

Not a joke.
 
Alaska, I was just saying that it kind of sounds like you are complaining that your employer is picking up the tab for your health insurance, and you are getting a benefit that you are not taxed on, as you yourself point out.. I do agree that it would be preferable if health costs were less expensive. I'm not so sure I agree with your dual premises that if employers did not pay for health insurance, that incomes would necessarily rise proportionately, or that health costs would decrease in such a world. Maybe you are right, but I'm not sure it is that simple. It seems to me that working class people in the US believe politicians and media that tell them they have it so terrible, when in fact they don't.
 
I am all for reducing the cost of health care. C-Span is doing a program on it now, with Dr. Marty Makary , author of "The Price We Pay". He claims that 48% of government spending goes towards health care, (!) and argues (like AlaskaA) that there should be more awareness of what procedures cost before they are done.
 
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