Brad Mitchell

We pay for all of our employees BCBS which has dental, vision, health, no deductible.. Rates are around $1300 per employee that is married, $600 for single employees.

As the owner, I have the joy of also paying INCOME tax on the 14k yearly premiums for my family. Sucks.

Brad

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DonovanTrent

Without getting too personal, do you have some spectacular pre-existing conditions or something?

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ExtremeBank_Adam

We pay about $1200 a month for BCBS family plan.

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tony286

if you are paying income tax on that, time to get a new accountant you shouldnt be.

Relentless

I'm in New York. What region are you in?

The plan I mentioned is two adults.

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Relentless

Nope. Two healthy adults. No medical conditions of note thankfully.
That's part of the problem. The cost is based on what a carrier thinks they can get away with charging someone... not what they think it will actually cost to insure someone.

I have never had 12-15K in medical costs during any one year of my life... and their price is NOT based on any actuarial tables or predictive statistics about potential claims. It is based solely on the fact that they know people in New York will pay that rate so long as they all make sure nobody offers a lower rate.

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SifuE

Haven't had Health insurance in 13 plus years, haven't seen a doctor since either, started eating healthy and going with homeopatheic/ alternative medicine i.e. natural medicine from the earth... wake the fuck up people!
Hell watch SICKO also get a book on natural medicine to take care of yourself..

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Snake Doctor

You should double check that Brad. They fixed that several years ago. Self employed people get the same tax treatment as employees vis a vis health insurance now.

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Relentless

Homeopathic sounds good in theory, and there are benefits to many kinds of alternative medicine when used in combination with western medicine, but you are 'homeofucked' if you become seriously ill from Cancer or any other naturally occurring illness and require professional medical attention without any insurance.

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Slappin Fish

if you are injured in a car crash your eating healthy and homeopathic/alternative medicine won't help you much.

You also have to hope you are never in a coma, because if you don't wake up quickly and you have family that cares for you enough not to pull the plug, everything you own and everything they own could well be gone by the time you wake up

lazycash

I'm in Phoenix, without knowing rates in NY, I'm guessing that's at least partly why your premiums are high.

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Relentless

Yes, as mentioned earlier, private insurers regionalize their pricing because they are trying to get the maximum profit from each client... not trying to give the maximum care for the lowest price. That is why a single payer system or at least a MEANINGFUL single payer option is so important.

It would break regional pricing and aggregate the cost of insurance over 300 million people instead of the few thousand that one particular plan includes for a private carrier - resulting in downward pressure on prices overall for the first time in decades.

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BSleazy

Dam $50 co-pay for a regular visit??? My doctor only charges like $75 and only makes me pay half because I don't have insurance right now.

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MovieMaster

Sure you are just 1 big shareholder, the govt...

They use it as a revenue stream ie Tax base.

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IllTestYourGirls

Exactly the way it should be run. Doctors should be able to cut deals with the people they see.

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Relentless

Nothing in ANY health care system proposed by anyone prevents a patient from paying cash or a Doctor from accepting a lower or higher rate than the insurance value.

The best Doctors already do not take insurance of any kind. They get paid in cash at the time of each visit and some require a retainer fee of X amount per year or per month. Health care is not about preventing people from making private deals with Doctors, it's about preventing Doctors from making private deals with insurance carriers, prescription drug companies, long term care facilities and many other private for-profit business who are interested in earning more money - even if it means providing you with less care.

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HandballJim

Bottom line is you need health insurance, in NY I have http://www.hipusa.com/ just for myself through my job, and my wife has healthnet though her job as an RN. I think my boss pays about $600 a month for my insurance. When I was dating my wife she did not have health insurance and an operation she had cost her $35,000 her parents, myself, and some type of insurance she has in Japan being a citizen of Japan...covered some. It all happen fast otherwise I would have maybe married her sooner and paid my boss to put her on the plan so the operation was covered.

The best thing to do is start a company...and take out the insurance as an employee of the company. If you take out a plan as an individual you will spend a fortune on health insurance.

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IllTestYourGirls

I am assuming when you say health care you mean insurance? I guarantee you under a government plan you will see a lot less health care.

Get the government and insurance companies out of the way and health care would become much more affordable.

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nation-x

I am shopping for new insurance... I had to drop the Humana plan I had because I couldn't afford it. They raised the premium to $1350/month for my myself, wife and 2 kids. I am probably going to have to go with a high deductible hospitalization plan and pay cash for everything else. What I really need is Dental Insurance because that shit is WAY expensive.

nation-x

You can keep posting that stupid shit if you want but you have no idea what you are talking about. I can tell by what you are posting that you don't even have a clue about what they are even proposing.

IllTestYourGirls

They are proposing that if you do not have insurance when the plan goes into law you have to buy the government plan, and if you get dropped by your insurance company you have to buy the government plan. You can not change your policy with the current plan and you can not change providers once it goes into law.

Maybe you dont understand what they are proposing?

"Limitation on Enrollment" section on Page 16:
Secection 102(a)1(A)

So you better be able to afford your current plan for ever or expect to have to pay the government plan.

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HandballJim

You are right about that...but no one knows what they are proposing. Never mind transparency...obama did not say any details in his address speach when he spoke about heath care reform. Some of these bills are 10,000 pages and written in riddels. The bottom line is if your in the middle class you will get screwed either way. If your poor you get free health care now...if your rich you don't give a fuck how much it cost.

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IllTestYourGirls

This about sums it up.

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HandballJim

"you have to buy the government plan" some people in this country can't afford the roof over their heads at the moment.

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IllTestYourGirls

No shit! The states and fed government are raising taxes and fees all over the place and the now the feds want to mandate that you buy health care!

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HandballJim

Tell me about it, just to go over the bridge from the Bronx to Queens cost me 11 bucks round trip, soon they will get rid of the $1 bill, I am breaking $5 bills these days to pay for things not $1 bills anymore. I do realize I live in an expensive part of the U.S., but in a recession things here just keep going up, taxes, etc.

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nation-x

There is talk going around that the Health Care Reform Bill makes Individual Private Health Insurance illegal. I believe that IBDeditorials.com originally posted this hooey and it has circulated around the conservative talking sites like the new gospel.

Please take note of how all the articles don't tell you that the bill is online as H.R. 3200 and the line they quote is in Sec. 102 of the bill.

They quote H.R. 3200 Sec. 102 (a) (1) (A) - "IN GENERAL- Except as provided in this paragraph, the individual health insurance issuer offering such coverage does not enroll any individual in such coverage if the first effective date of coverage is on or after the first day of Y1."

Which, taken alone, could be scary and might support their claim. However, taking note that Sec. 102 (a) is "Grandfathered Health Insurance Coverage Defined", it kind of throws their whole claim right out the window of credibility.

Not tackling any other claims, merits, flaws or anything else about the Health Care Reform, the articles shouting about the bill making Private Insurance illegal are a load of crap.

:::: Further Explanation :::::

Section 102 is laying out the requirements for Grandfathered Health Care Coverage. This means that the text refers to what an Insurance Provider must comply with in order to keep current plans from falling under the Bill's requirements for Insurance.

Your current insurance will not be required to meet the Bill's policies as long as they don't enroll new people, start charging you a lot more or change any of its terms or conditions.

If for some reason you change insurance providers or re-work your insurance, the New Insurance Policy will have to comply with the policies and requirements of the Bill.

Again, "does not enroll any individual in such coverage if the first effective date of coverage is on or after the first day of Y1." refers ONLY to keeping a policy's status as "Grandfathered" or Immune to the requirements of the Bill. It does NOT apply to New Policies.

IllTestYourGirls

How many of the insurance policies comply with the bill if it becomes law? Zero %? So they in fact there is no choice and you can not keep your current plan because your current plan, by law, has to change if the insurance company wants new customers?

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Elli

Holy scary stuff, Doctor. $1800 a month? And they can drop you if you have something "Catastrophic?" What the heck are you paying for, then? Talk about a fleecing...

"Well sir, we'll insure your car for $1800 a month. That covers minor damage and half of your maintenance costs. But if you damage the car too much.... *shrug* Then that's up to you."

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nation-x

Any NEW plan will be part of the network... companies COULD force people to change plans but I doubt it. The idea is that they want to provide a service like what is provided by the govt to federal employees now. It will be much easier to find a plan because it will increase competition based on the fact that all plans will be listed and not just ones that are paying advertising dollars, etc, etc.

Mr. Billy

Those prices are so high. I am able to get it through my employer and I pay much less than that because my employer pays a lot of money for a group plan so my premiums are low.

I think many of the people who are arguing against the health plan overhaul are in the same situation as me. I doubt that they are paying the full price for their insurance, as it may be subsidized by their employer.

candyflip

You don't live in New York. We get raped.

I'm thankful my girl has some amazing coverage provided by Cornell University for the whole family.

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kane

That is exactly how it works. If you get ill and need major care they will do anything they can to figure out how not to pay for it. Here are two cases from my life:

1. About 3 years ago my mom had to have surgery. It was going to be a pretty big deal She had a 40lbs non-cancerous tumor that needed to be taken out. Long story short she had surgery about 20 years ago and this tumor was collected scar tissue and other tissue that had been building up in the 20 years since that surgery. Because of where it was she was bed ridden and was in constant pain. It took the doctors 6 months to finally get the okay from the insurance company for the operation. If it had been cancer or more life threatening she might have died in that time.

2. A friend of mine's 13 year daughter was out for a bike ride. She hit the curb with her bike, fell and fractured her skull. She had to have 2 surgeries and a lot of care and physical therapy. Luckily, she made a full recovery and today is back to normal. Her hospital bills came to just under 400K. She wasn't wearing a helmet. Her mom told her to put it on, she did, then when she was around the corner she took it off because she wanted to be cool while hanging out with her friends. The city they live in has a law that anyone under 16 must wear a helmet. The insurance company said that since she was breaking the law by not wearing a helmet they weren't liable for the bills. They are now suing the insurance company. It will probably end up costing them about 20K to sue. If they win they get off lucky with just a 20K legal bill. If not they will have to declare bankruptcy. They make a decent living, but they don't have 400K and the payment plan the hospital would want they can't do.

kane

That is a certainty. How much your employer pays is based on how many people are in the group. If you work for a big company they get a very good deal. I have asthma and I used to work of a major tech company. I got coverage that covered all my medicine and doctor visits no questions asked. I had tiny co-pays. But it was because the company had about 30,0000 employees. When I started working for myself I found out I can't get health insurance that will cover anything asthma related. So I pay for my medicine and doctors out of pocket. I have a shitty plan that will supposedly cover anything "catastrophic" but I am confident it I ever need it they will do whatever they can to try to link whatever is wrong with me to asthma or the medicine I take for it.

F-U-Jimmy

Its not free if you pay National Insurance like the rest of Great Britain

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F-U-Jimmy

Here's a thought, why not force the pharmaceutical companies to reduce their charges the same goes for Hospitals. I mean fuck it I just had to take 21 generic anti biotic's ( 21 tablets ) The non insurance charge was $398.00 ( I paid $80.00 with Insurance ). What a fucking rip off In Canada the cost for the exact same pill is $40 Canadian and in the UK a similar generic Anti biotic cost me £5.00 ( $7.30 ) After all dont Pharmaceutical companies post the largest profits of all USA companies ( apart from perhaps big oil) and thats after they take out the research monies they say is the reason for these high costs. I call BS

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Elli

Don't get too excited about the generics. Sure, it's great that generics are usually covered by the Canadian govt. But if the generics don't work for you and you need the name brand or something recent (ie: still patented) then you'll need to pull some mighty strings to get the government to cover that for you.

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tony286

nice thought but in the real world it wouldnt work like that. There is no real health insurance or government in dental and they arent giving anything away. most you call for a price on something and they tell you they cant tell you. You have a heart attack you want to pull out the phone and start shopping?

tony286

newsflash same thing happens with health insurance. When one allergy med went otc immediately we got a letter saying they would not write a prescription for any allergy medicine anymore.

F-U-Jimmy

I was just using a recent event as an example. I had some designer eye drops prescribed last year at a cost of $600 for the smallest container you have ever see. I told the USA pharmacy to keep them and within a week got the exact same thing from the UK for £25.00 including air mail. As a UK citizen living in San Diego I have an advantage, but I see drug companies charging outrageous prices and think to myself no wonder health care is so expensive here ?

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Elli

Ahh, point taken. Of course, Pfizer would gladly jump into this thread to tell you that medical research is expensive, and those costs pay for the advances that keep us alive and ticking. yada yada, etc etc.

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Elli

Really? Hm. I didn't know it worked that way down south, as well.

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F-U-Jimmy

But even with the research investments removed from their yearly costs, as I stated in my original post. They still post phenomenal profits. It would be great to see some of that go back into some form of free insurance for the lower paid citizens of the USA.

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ideaworx

sounds like the blue cross rate hike, i got mine 10 days before it went active, but next year i get fizucked

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kane

Here is a great example of the pharm companies raping US customers. I have ashtma. I take a daily medicine and use an inhaler when needed. The cheapest cash prices I can find are at Costco where the inhalers is $42 and the medicine is $315 for a 30 day supply. I can buy the exact same stuff online from an out of country pharmacy. The online price is $11 for the inhaler and $89 for the medicine. Exact same medicine, exact same amount, 66% less cost.

tony286

yep its profits,profits profits. My dad they first had him on the oldest crap cancer meds possible it wasnt until he had one foot in the grave they gave him the newest and it was too late. I cant help to believe they didnt use that one first because the new one would of been for life and very expensive. Where Paul Markem in europe gets experimental treatment that saves his life.

kane

And in most cases they are full of shit. I use an inhaler that until about 2 years ago cost $8 each. Then because of the environmental laws they had to change the propellant they use. The propellant is the same stuff they use in the canned air you can buy to blow off your computer keyboard. The price went from $8 each to $42. When I complained the pharmacist told me that they were told by the manufacturer that they had to "invest" into researching the new propellant. If that is so, why didn't air in a can quadruple in price?

F-U-Jimmy

While im on my soap box lets clear up a few misconceptions about UK health care, It isn't free, never has been. We pay National Insurance which to a large extent goes to subsidize health care, now while our doctors and nurses are great, there are not enough of them so things take time sometimes too much time and people die. My National insurance contribution 15 years ago was £689.00 a month or about $1000. I would imagine that has doubled by now, yet health care is still slow in the UK.

Now people pay $600-$1200 month in the USA and health care here is slowing down considerably. Here's an example a very good friend of mine in San Diego has been ill for sometime, he went to the Dr a number of times they could not find anything wrong with him. He is 47 and weights a whopping 150 lb. Over the last two weeks he dropped 30 lb. and all of a sudden the Dr.'s took notice, they found after a number of tests that he has multiple cancers in his liver spine and kidneys and will probably not last very long, had they found these earlier he may have had a chance. The point im trying to make is no matter where you live there are pros and cons to healthcare. It's a very complex issue and there is no simple answer. Nothing is free in life , someone has to pay for it and it sure as hell isn't going to be the Pharmaceutical companies.


Sorry for the rant

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kane

My mom takes medicine for her depression. She has tried a few different ones over the years with varying degrees of success. Her doctor got a new med in and gave her some samples to try. It worked brilliantly. It was the best thing she had ever tried. The insurance company told her and the doctor that they wouldn't pay for it until she had tried at least 3 other medicines that were on the list they provided. Of course the medicines on the list were a lot less money. Luckily, she had already tried 2 of them so she tried a third for a while and it didn't work nearly as well as the new one so she was able to switch. To me it is a clear case of the insurance company telling the doctor what to give the patient.

kane

The amount you contribute to national health care is that via taxes or is that on top of your taxes?