At least 50 dead, 400 injured in shooting near Mandalay Bay casino, 1 suspect 'down'

[Boiler 46,121]

4 hours ago, Il Mango Dulce said:

20 Million People who now have healthcare because of the say yes

Healthcare they can not afford to use.

[Amica Nostra 4,803]

11 minutes ago, Boiler said:

Healthcare they can not afford to use.

really?  and you know this how?  

[Merrytooth 5,748]

6 minutes ago, Il Mango Dulce said:

really?  and you know this how?  

 

Very High deductible .. before anything could be covered.

 

Going to see a doctor here for a simple cold caused me a few hundred dollars while I could just pay around $50 and get a bunch of medicine in my home country (my then company would reimbursed me the $50 too!)

 

So these days I will go to office sick and spread my virus 

 

[-Trinity- 513]

20 minutes ago, Il Mango Dulce said:

really?  and you know this how?  

Well..aproximately 1000 a month is not exactly affordable...

[Amica Nostra 4,803]

4 minutes ago, Merrytooth said:

 

Very High deductible .. before anything could be covered.

 

Going to see a doctor here for a simple cold caused me a few hundred dollars while I could just pay around $50 and get a bunch of medicine in my home country (my then company would reimbursed me the $50 too!)

 

So these days I will go to office sick and spread my virus 

 

Well, the cold is a bad example.  The only thing that can be done for a head cold is staying home and washing hands: zero deductible.  There is no plan that  I know of in the US that is going to buy your Kleenex and Nyquil.  If home is Singapore for you it will be tough to compare the level of service you will get in the US.  That is no knock against Obamacare, just the reality of our system.  Flu shots and your annual exam are exempt from the deductible so there are some preventative elements. 

[Amica Nostra 4,803]

4 minutes ago, Beachlover said:

Well..aproximately 1000 a month is not exactly affordable...

If you are one of those who are older and above the income subsidy cut-off, yes it can be high.  We need to lower the Medicare age to 50 to manage that problem.  If you are young and poor you should go for the gold plan. 

 

 

"For example, when examining an individual who makes $48,000 annually (just above the $47,520 cut-off for individual premium subsidy eligibility in 2017, 60-year-olds would need to spend 22% of their income to afford that average silver plan premium while 30-year-olds would only need to spend 9%," the report said.

Obamacare plans are divided into four metal tiers — bronze, silver, gold, and platinum. Bronze plans tend to have the lowest monthly premiums and the highest deductibles. Silver plans as a rule have higher premiums than bronze plans, but lower deductibles. That pattern continues up to platinum plans, which have the highest premiums and the lowest deductibles.

Most subsidized Obamacare customers opt for a silver plan, because the subsidies can significantly reduce their premium, and because silver plans are the only type of coverage for which the out-of-pocket financial subsidies can be applied.

HealthPocket found that gold plans will see their premiums rise by an average of 22 percent. Nationally, the average 40-year-old enrolled in a gold plan would pay, before subsidies, $522.45 per month, compared to an average of $428.51 this year for the same type of plan.

For platinum plans, premiums are rising by an average of 15 percent in 2017."

[Steeleballz 7,550]

  Just get rid of the insurance model. Insurance for any thing is about taking in more money than is paid out. 

 

   Insurance companies spend a lot of time and resources to find the sweet spot. Most people pay premiums and never get anything back unless they get really sick. It's an OK model for insuring homes and cars. For people, not so much.

[Merle 458]

10 hours ago, bcking said:

What is your suggestion for how we deal with our homicide rate in the USA, which is 7 times higher than other high income countries? Homicide rate, not just gun violence.

 

A reasonable alternative would be focusing on mental health, but that gets ignored as well. Every healthcare bill attempting to repeal the ACA so far would have eliminated coverage for people, including what little mental health coverage they have. Furthermore, the proposed bills wanted to eliminate the requirements of a set minimum coverage, allowing insurance companies to strip down their plans and make coverage even worse.

 

So if not better gun control, and not mental health. What should we do to make sure these events stop happening with such frequency? We are unique in the world for this problem, so what do you see is the solution? Are we just an inherently more violent group of people?

This problem stems from the breakdown of morals and values in this country. You have to ask yourself why these kinds of crimes weren't commonplace 20, 30, 40 years ago. Guns were just as available then as they are now.  What has happened to societal values and norms since then? No more school spankings maybe? Glamorization of violence? I don't remember growing up having students cussing out the teacher in class or kids walking up and punching strangers on the street for fun. Maybe we should make people have a psychological evaluation before reproducing more idiots like themselves. Some of you talk about how the founders couldn't have envisioned the weapons we have today but I say they couldn't envision how far our society would decline down the toilet.

Edited October 5, 2017 by Merle

[Boiler 46,121]

50 minutes ago, Il Mango Dulce said:

really?  and you know this how?  

I talk to people.

[-Trinity- 513]

1 hour ago, Il Mango Dulce said:

Nationally, the average 40-year-old enrolled in a gold plan would pay, before subsidies, $522.45 per month

This is for one person?  Not for a family of four?

[-Trinity- 513]

1 hour ago, Steeleballz said:

  Just get rid of the insurance model. Insurance for any thing is about taking in more money than is paid out. 

I liked my mandatory health  insurance I had in Europe, unfortunately I had to give it up.

 

Some countries have proven that it works. I just don't understand where it went wrong in the US.

I had to buy a certain medication awhile ago, I had to pay $850... exactly the same brand would cost me €199 in the Netherlands. Something is terribly off..

[-Trinity- 513]

1 hour ago, Il Mango Dulce said:

Well, the cold is a bad example.  The only thing that can be done for a head cold is staying home and washing hands: zero deductible.  There is no plan that  I know of in the US that is going to buy your Kleenex and Nyquil.  If home is Singapore for you it will be tough to compare the level of service you will get in the US.  That is no knock against Obamacare, just the reality of our system.  Flu shots and your annual exam are exempt from the deductible so there are some preventative elements. 

It feels kinda weird to read that people in  my home country complain about the deductible being raised couple euros. I believe it's now €385 per year.

Healthcare there is excellent too.

[Voice of Reason 10,298]

16 hours ago, Boiler said:

I talk to people.

As do I.  I have a friend who has to pay almost $1300 a month in premiums, and his deductible is just over $15,000.  $30,000 a year if he gets sick, $15,600 If he remains healthy.  I believe he would be much better off with paying the penalty for no insurance, and just paying his bills as he needs medical care.

 

$15~30K per year in a 401K would be a nice investment. 

[Sonea 138]

2 hours ago, IDWAF said:

As do I.  I have a friend who has to pay almost $1300 a month in premiums, and his deductible is just over $15,000.  $30,000 a year if he gets sick, $15,600 If he remains healthy.  I believe he would be much better off with paying the penalty for no insurance, and just paying his bills as he needs medical care.

 

$15~30K per year in a 401K would be a nice investment. 

That sounds more like a maximum out of pocket.

[Dashinka 24,800]

10 hours ago, Beachlover said:

Well..aproximately 1000 a month is not exactly affordable...

Just like almost everyone except those in the elite category cannot afford armed security teams.