***300 - 250 = 50. Just sayin'. And this assumes that the system 'works for' anyone with insurance, which it doesn't.
Fine. 250 and 50. Not that important to the overall discussion. If the system doesn't work for you why pay for it?
***I love that you're anti-big-government, and probably (though I may assume too much here) pro-states-rights, but actively promoting a plan that undermines individual state sovereignty! Loves it!
So we should continue to allow insurance companies to have monopolies in their respective states so they can charge whatever they want with no competition? Alright. I'll mark you down for keeping insurance out of reach for low income people.
***This implied categorization of all or nearly all medical malpractice suits as frivolous is offensive. Ever get hurt by a doctor? Ever get hurt by one who told you that your poor surgical outcome (note: initial surgical outcome, immediately apparent) was because you were lazy, fat, and stupid, and not because he fucked up? Ever try to scrape together a few thousand dollars for a lawyer, and for medical experts to testify on your behalf, so you even have a shot at winning a case?
I made no such implication. Legitimate and non-legitimate lawsuits need to be capped, not just in the medical field, but everywhere. This is just one area that would particularly benefit. Doctors and hospitals pay more for malpractice insurance because the risk is so high it is often more than their own six figure salary. Would you think it is a problem if your insurance cost more than your paycheck? I think you would.
***Do you understand what this actually means, in practice? Go on, explain how you think this plays out in real life.
I have an HSA account for my wife and 21 month old child. I'm quite happy with it. Lord forbid one of us ever has a large medical claim, the maximum I pay for the entire year for all doctor visits, related to that claim or not is $6,000. How many people with traditional plans have tens of thousands of dollars in hospital bills they owe? And that is the family cap. The cap for single people is $3,000.
***Do you have a family doctor? If not, then no reason to read further. If you do, how did you go about finding that doctor? Did you shop around to different doctor's offices in your area to see who had the best rates, the best customer service? Did you look into where they refer their patients for testing they can't do in house? Is that place the cheapest in the area? Do the doctors at that practice believe in remedies involving life choices or prescriptions? Do they take time to explain your options to you or do you have to ask about alternatives? (you should ask anyway by the way) How willing are they to work with you on bills, treatments, etc? If you didn't find your doctor that way, you might as well be buying a used car from a discount lot without running the VIN to check its history...you have no idea what you're getting.
no subject
Fine. 250 and 50. Not that important to the overall discussion. If the system doesn't work for you why pay for it?
***I love that you're anti-big-government, and probably (though I may assume too much here) pro-states-rights, but actively promoting a plan that undermines individual state sovereignty! Loves it!
So we should continue to allow insurance companies to have monopolies in their respective states so they can charge whatever they want with no competition? Alright. I'll mark you down for keeping insurance out of reach for low income people.
***This implied categorization of all or nearly all medical malpractice suits as frivolous is offensive. Ever get hurt by a doctor? Ever get hurt by one who told you that your poor surgical outcome (note: initial surgical outcome, immediately apparent) was because you were lazy, fat, and stupid, and not because he fucked up? Ever try to scrape together a few thousand dollars for a lawyer, and for medical experts to testify on your behalf, so you even have a shot at winning a case?
I made no such implication. Legitimate and non-legitimate lawsuits need to be capped, not just in the medical field, but everywhere. This is just one area that would particularly benefit. Doctors and hospitals pay more for malpractice insurance because the risk is so high it is often more than their own six figure salary. Would you think it is a problem if your insurance cost more than your paycheck? I think you would.
***Do you understand what this actually means, in practice? Go on, explain how you think this plays out in real life.
I have an HSA account for my wife and 21 month old child. I'm quite happy with it. Lord forbid one of us ever has a large medical claim, the maximum I pay for the entire year for all doctor visits, related to that claim or not is $6,000. How many people with traditional plans have tens of thousands of dollars in hospital bills they owe? And that is the family cap. The cap for single people is $3,000.
***Do you have a family doctor? If not, then no reason to read further. If you do, how did you go about finding that doctor? Did you shop around to different doctor's offices in your area to see who had the best rates, the best customer service? Did you look into where they refer their patients for testing they can't do in house? Is that place the cheapest in the area? Do the doctors at that practice believe in remedies involving life choices or prescriptions? Do they take time to explain your options to you or do you have to ask about alternatives? (you should ask anyway by the way) How willing are they to work with you on bills, treatments, etc? If you didn't find your doctor that way, you might as well be buying a used car from a discount lot without running the VIN to check its history...you have no idea what you're getting.