Health Insurance...

9 years ago

I for one am blessed with a husband with a 9 to 5 job, so I have his insurance. I do know there are still a few reasonable plans out there. If you don't have insurance, you just have take some time to do the research ... and put up with all the sales calls you'll get from it

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agmccall

9 years ago

they buy it privately. just contact an insurance broker.

al

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hardraysnight

9 years ago

live in countries that have national health

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OptedIn

9 years ago

Clog-up the emergency room and never pay the bill.

Thank you.

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tagiscom

9 years ago

Yes, it is pretty silly, l have done a business course, which requires insurance.

But what for?

Trip over the power lead?

Get a sore thumb?

If you are chained to a Laptop all day, and are not seeing customers in person, and are reasonably healthy then don't bother!

And invest that money into making assets that make more money, then think about it.

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whateverpedia

9 years ago

Originally Posted by tagiscom

Yes, it is pretty silly, l have done a business course, which requires insurance.

I find that hard to believe. I can't think of any educational institution in Australia that requires you to have your own separate health insurance, or any other type of insurance coverage.

Any insurance would be taken out by the institution as an entity and the cost of it would be factored into the course fees and spread out amongst all the students.

Anyway, the OP is obviously an American and therefore requires some type of health insurance. In Australia it's not necessary to have private health insurance as everyone is covered under Medicare.

Gods bless single payer universal health systems.

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Claude Whitacre

9 years ago

Originally Posted by whateverpedia

I find that hard to believe. I can't think of any educational institution in Australia that requires you to have your own separate health insurance, or any other type of insurance coverage.

I graduated from Trump University, and they required you to have a tetanus shot.

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whateverpedia 9 years ago

Originally Posted by Claude Whitacre

I graduated from Trump University, and they required you to have a tetanus shot.

And not one for rabies?
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- lanfear63 9 years ago
  
  Originally Posted by whateverpedia
  
  And not one for rabies?
  
  Since the recent spate of Projectile Vomiting episodes, Claude now goes for regular Chuck ups.
  
  He insisted on a second opinion but the new doctor laughed even more than the first one did.
  
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piney94 9 years ago

"If you are chained to a Laptop all day, and are not seeing customers in person, and are reasonably healthy then don't bother!"

Yes, I agree, but you forget about conditions that we have limited control over, i.e. cancer, strokes, heart attacks.

I'm in great shape for my age, but bad stuff still happens...
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Claude Whitacre

9 years ago

I have Obamacare. And at 62, I'm paying less than $100 a month for nearly full coverage.

Before the ACA, I was paying about $1,000 a month for the same coverage.

Originally Posted by tagiscom

Yes, it is pretty silly, l have done a business course, which requires insurance.

But what for?

Trip over the power lead?

Get a sore thumb?

If you are chained to a Laptop all day, and are not seeing customers in person, and are reasonably healthy then don't bother!

And invest that money into making assets that make more money, then think about it.

Smart, because nobody ever gets sick or has an accident. Especially people that sit all day in their mother's basement.

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OptedIn 9 years ago

Originally Posted by Claude Whitacre

I have Obamacare. And at 62,

Not understanding how your IQ is relevant to this discussion.

Before the ACA, I was paying about $1,000 a month for the same coverage.

Thanks, Obama.
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- whateverpedia 9 years ago
  
  Originally Posted by Claude Whitacre
  
  I have Obamacare. And at 62,
  
  Originally Posted by OptedIn
  
  Not understanding how your IQ is relevant to this discussion.
  
  I think he was referring to his waist size.
  
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  OptedIn 9 years ago
  
  Originally Posted by whateverpedia
  
  I think he was referring to his waist size.
  
  He lost some weight?
  
  Thank you.
  
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umc

9 years ago

Originally Posted by Claude Whitacre

I have Obamacare. And at 62, I'm paying less than $100 a month for nearly full coverage.

Before the ACA, I was paying about $1,000 a month for the same coverage.

Smart, because nobody ever gets sick or has an accident. Especially people that sit all day in their mother's basement.

WTF? Before Obamacare my wife and I (both in our thirties) paid $160 monthly for a catastrophic plan with some preventative coverage and a high deductible. After Obamacare we now have to pay close to $400 per month for literally the worst plan with a company that few doctors will accept and who can't keep their site up. We have something like a $15,000 deductible and it pays nothing toward preventative care. I hate the ACA. Did I mention that we're both healthy, take no meds whatsoever, and never use it? We also clean houses for a living, so we're not exactly high income earners.

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socialentry

9 years ago

Originally Posted by umc

WTF? Before Obamacare my wife and I (both in our thirties) paid $160 monthly for a catastrophic plan with some preventative coverage and a high deductible. After Obamacare we now have to pay close to $400 per month for literally the worst plan with a company that few doctors will accept and who can't keep their site up. We have something like a $15,000 deductible and it pays nothing toward preventative care. I hate the ACA. Did I mention that we're both healthy, take no meds whatsoever, and never use it? We also clean houses for a living, so we're not exactly high income earners.

Claude is in a special category by himself.

The state essentially bribes him to yell 'BEEP BEEP' whenever he walks backward.

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whateverpedia 9 years ago

Originally Posted by umc

I hate the ACA.

I'd hold off on that until you see what you're going to get under Trumpcare.
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- OptedIn 9 years ago
  
  Originally Posted by whateverpedia
  
  I'd hold off on that until you see what you're going to get under Trumpcare.
  
  I hope he has a good proctologist, because he's going to get reamed. lol
  
  Thank you.
  
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salegurus 9 years ago

Originally Posted by Claude Whitacre

I have Obamacare. And at 62, I'm paying less than $100 a month for nearly full coverage.

Damn Claude, let us on to your broker...
Mine has increased by almost $550 for my family, after my previous insurer pulled out...
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- OptedIn 9 years ago
  
  Originally Posted by salegurus
  
  Damn Claude, let us on to your broker...
  Mine has increased by almost $550 for my family, after my previous insurer pulled out...
  
  That would be Vinny Boombah. The only problem is Claude's premiums are being spent on the ponies, but Claude doesn't need to worry. If he ever tries to file a claim, he won't actually need insurance. Just an undertaker.
  
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- Claude Whitacre 9 years ago
  
  Originally Posted by salegurus
  
  Damn Claude, let us on to your broker...
  Mine has increased by almost $550 for my family, after my previous insurer pulled out...
  
  I suspect that if you looked at all the options in the ACA, and chose a low cost carrier (mine is now CareSource. It used to be Blue Cross), you'll see a distinct lowering of premiums. Mine went from $350 to under $100, even though the ACA had an increase at the first of the year. I just switched carriers.
  
  I'm in Ohio, and only know how it works in Ohio. But all preventative care is covered, including prescriptions, and check ups. I think I have a $1,000 deductible for hospital stays, But I've used it a few times, and everything gets paid as agreed.
  
  Are you using the ACA? Have you applied and checked your options?
  
  To you people screaming about the evils of Obamacare;
  I don't mean this personally, but so far...when I hear people yelling about the horrors of Obamacare, when I ask "Are you on it? Have you applied?" They universally tell me that they haven't. At least that's been my experience until now. They are so opposed to it because it's from Obama, that they never really check out how much they could save on it.
  
  But again, I'm in Ohio. I understand that it's different for each state.
  
  I just gave my experience.
  
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Kurt

9 years ago

Originally Posted by Claude Whitacre

I have Obamacare. And at 62, I'm paying less than $100 a month for nearly full coverage.

Before the ACA, I was paying about $1,000 a month for the same coverage.

Smart, because nobody ever gets sick or has an accident. Especially people that sit all day in their mother's basement.

Amazing, considering you have every known communicable disease and STD known to mankind, plus many that aren't known, as pre-existing conditions.

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ChristyKing

9 years ago

I think most people would go with Obamacare or through a private insurance broker if income afforded it. There are also organizations that you can join (like nase.org) as a small business, which would give you access to insurance at group/pooled rates that might be lower than a private broker.

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piney94 9 years ago

Thanks Christy -

One of the better replies on this thread.
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tagiscom

9 years ago

Originally Posted by Claude Whitacre

I have Obamacare. And at 62, I'm paying less than $100 a month for nearly full coverage.

Before the ACA, I was paying about $1,000 a month for the same coverage.

Smart, because nobody ever gets sick or has an accident. Especially people that sit all day in their mother's basement.

Gee, we are narky today, and after all of the nit-picking, and belittling l have done over the years, sigh.

I am sure insurance for someone like yourself, it is a good idea; but for someone just starting out and chained to a laptop, it is probably a better option to chance it and invest the money saved, then get it later?

Unless of course if you become too wealthy?

We don't have basements in AU, or attics, (unless the occasional rat is seen as a resident)?

Originally Posted by whateverpedia

I find that hard to believe. I can't think of any educational institution in Australia that requires you to have your own separate health insurance, or any other type of insurance coverage.

Any insurance would be taken out by the institution as an entity and the cost of it would be factored into the course fees and spread out amongst all the students.

Anyway, the OP is obviously an American and therefore requires some type of health insurance. In Australia it's not necessary to have private health insurance as everyone is covered under Medicare.

Gods bless single payer universal health systems.

It was liability, stock insurance, so it is more along the lines of having a work related accident, than hospital stay insurance.

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yukon

Banned 9 years ago

Hospitals in the US are a scam.

I was once charged $1,000 for wooden tongue depressor. No joke.

Walmart sells 100 pack of tongue depressors for $6.38, that's $0.06 a piece.

$1,000 is close enough.

Fark the hospitals and Obama.

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Hellome12

9 years ago

Yeah from what I know it's basically that you have to contact a private one and rates will supposedly be a lot higher but I'm not sure how high they actually are. It's always important to put money away for things like that and taxes.

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piney94 9 years ago

I'm a true believer in the fact that staying as healthy as you can and saving your nickels will keep you out of a nursing home someday...
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tagiscom

9 years ago

Originally Posted by piney94

"If you are chained to a Laptop all day, and are not seeing customers in person, and are reasonably healthy then don't bother!"

Yes, I agree, but you forget about conditions that we have limited control over, i.e. cancer, strokes, heart attacks.

I'm in great shape for my age, but bad stuff still happens...

True, some things can happen, so the earlier you start to create wealth the better.

As others have shown, you can p***s away considerable amounts on something you may use tomorrow but most likely won't need for 10 or 20 years.

Creating wealth and ditching the working for someone path, is a big gamble, and holding back on insurance to get ahead is also a calculated risk.

But you don't get ahead by playing it safe, or if you do it takes a lot longer.

Only a small percentage actually make a claim, otherwise insurance company's wouldn't make a profit.

Once you realize the probability of actually needing it, (unless you like skydiving or are accident prone, or an idiot, like they like to show in their advertisements) then it is probably worth the risk.

Originally Posted by piney94

I'm a true believer in the fact that staying as healthy as you can and saving your nickels will keep you out of a nursing home someday...

Hmmm, not really, investing your nickels, into creating income producing assets will do that.

Most people that put into super, (401) in AU, blow it and go on the pension, so that is clearly working, lol.

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Harry Warrick

9 years ago

Medical Sharing plans are the answer I choose. My plan is less than $50 a month and meets the requirements for the current legislation, and provides better overall cost coverage than some insurance plans.
Just like insurance not all providers and companies are alike so shop well, read a lot, and in general do your homework.

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rukhsaramjad

9 years ago

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Health Insurance...

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