Exploding health care premium

[Anonymous]

I love the MAGA morons claims that GLP is driving health insurance up and not their stupid policies.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

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Anonymous wrote:For the GLP haters. I was at a public event tonight and saw two morbidly obese people. Like sooooooo seriously obese they are one step away from being gilbert grape's mom stuck at home. One had a cane. Then below that some super obese people. Of course all these people should get GLPs. I think it would be miraculous.

Just like there are people that don't want the whole world to be fed because it's not profitable (thus we have hunger even though we can feed everyone on earth) there are people who don't want to help the sick and obese because it's not profitable. It's disgusting.

I don’t think anyone begrudges actual obese people for using GLP-1.

This. I wish every obese person had free glp 1 regardless whether they are insured or not.

Now the women with a small pouch who wants to look good for the summer or the wedding coming up they should pay for it with their own money out of pocket but they don't.

GLP1 is not a miracle cure if you don't want to help yourself. It's not healthy to stay on it for the rest of your life, and without some lifestyle modifications (for the majority of people who could benefit from it's use) they won't ever be Able to stop using it.
How about we invest in affordable healthcare that includes nutritional counseling (that continues monthly and then quarterly, etc) so that people can learn how to help themselves long term

It’s a lifetime use medication for a chronic medical condition. It was literally developed for diabetes.

Do you think it’s unhealthy for me to be on Synthroid for the rest of my life for my Hashimoto’s?

it is there for chronic conditions, yes. But if you have diabetes, you should also focus on nutrition and lifestyle modification along WITH the medications.

Just like with hashimotos. I know, I have it. And I chose to make lifestyle modifications to treat it and avoid medications as long as possible (once you start them it's much more difficult to get off it). I dropped my antibodies from over 100 to about 10-15, my TSH (which is largely a pointless number) from 4.5 to 1.5, and all the other T4/T3/Frees of those/etc into Optimal range all with diet and supplements. So yes, I would not just pop meds for the rest of my life without making modifications to assist.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:For the GLP haters. I was at a public event tonight and saw two morbidly obese people. Like sooooooo seriously obese they are one step away from being gilbert grape's mom stuck at home. One had a cane. Then below that some super obese people. Of course all these people should get GLPs. I think it would be miraculous.

Just like there are people that don't want the whole world to be fed because it's not profitable (thus we have hunger even though we can feed everyone on earth) there are people who don't want to help the sick and obese because it's not profitable. It's disgusting.

I don’t think anyone begrudges actual obese people for using GLP-1.

This. I wish every obese person had free glp 1 regardless whether they are insured or not.

Now the women with a small pouch who wants to look good for the summer or the wedding coming up they should pay for it with their own money out of pocket but they don't.

Yes they pay for it out of pocket. They don’t even go through insurance at all.

The doctor prescribes it and you pay full price on whatever website you’re using.

It’s not that expensive. $304 currently for 2.5 (smallest dose) of Zepbound, which some people like to stay on to reduce side effects.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:For the GLP haters. I was at a public event tonight and saw two morbidly obese people. Like sooooooo seriously obese they are one step away from being gilbert grape's mom stuck at home. One had a cane. Then below that some super obese people. Of course all these people should get GLPs. I think it would be miraculous.

Just like there are people that don't want the whole world to be fed because it's not profitable (thus we have hunger even though we can feed everyone on earth) there are people who don't want to help the sick and obese because it's not profitable. It's disgusting.

I don’t think anyone begrudges actual obese people for using GLP-1.

This. I wish every obese person had free glp 1 regardless whether they are insured or not.

Now the women with a small pouch who wants to look good for the summer or the wedding coming up they should pay for it with their own money out of pocket but they don't.

GLP1 is not a miracle cure if you don't want to help yourself. It's not healthy to stay on it for the rest of your life, and without some lifestyle modifications (for the majority of people who could benefit from it's use) they won't ever be Able to stop using it.
How about we invest in affordable healthcare that includes nutritional counseling (that continues monthly and then quarterly, etc) so that people can learn how to help themselves long term

It’s a lifetime use medication for a chronic medical condition. It was literally developed for diabetes.

Do you think it’s unhealthy for me to be on Synthroid for the rest of my life for my Hashimoto’s?

it is there for chronic conditions, yes. But if you have diabetes, you should also focus on nutrition and lifestyle modification along WITH the medications.

Just like with hashimotos. I know, I have it. And I chose to make lifestyle modifications to treat it and avoid medications as long as possible (once you start them it's much more difficult to get off it). I dropped my antibodies from over 100 to about 10-15, my TSH (which is largely a pointless number) from 4.5 to 1.5, and all the other T4/T3/Frees of those/etc into Optimal range all with diet and supplements. So yes, I would not just pop meds for the rest of my life without making modifications to assist.

There is no evidence the lifestyle modifications can treat Hashimoto’s (though you need to take Synthroid on an empty stomach, and an anti inflammatory diet will never hurt). The only recommended treatment is Synthroid. There is no evidence that Hashimoto’s can be cured. If you make the antibody, you will continue making antibodies.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Wait until all the measles and other vaccine-preventable illnesses hit hospitals and rack up million+ dollar hospital stays. Rates are going to go up, up, up.

Yep. And we cover more and more IVF, more nicu babies, more ADHD meds and therapies. When people demand coverage for stuff where do they think the money comes from? Not the healthcare execs pocket of course.

This is dumb. Almost all policies greatly limit ivf now. Many employers offer a supplemental policy to cover that. nicu babies are not the result of ivf. And adhd is a real issue to deal with. Grow up and learn something.

[Anonymous]

Anonymous wrote:I love the MAGA morons claims that GLP is driving health insurance up and not their stupid policies.

It is neither glp-1 nor maga. Prices went up.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We are retired and pay about $5350/mo for the 4. Up from $4900 last year but down from a few years ago when it was $5500. PPO and it sucks

Wow. What percentage of your income is it as a retiree?

Now I understand why people are saying $1 million retirement is nothing.

How do people will less than a million in retirement live? Wow

They are very wealthy if they have minor kids and retired.

Yes, we are very wealthy. It’s still a lot of money but we can afford it.

But it shouldn't cost that much for healthcare in our 50s and 60s. The sheer fact that my healthcare goes from $500/month for family (employee, spouse and all the kids you want) to $3K for medical only if I want to buy a plan when I'm retired and not 65 is ridiculous (and that plan is only medical and has $8K/18K+ deductibles).

Medicare also should NOT cost $2K+ for a couple over 65 for ONLY medical just because they saved for retirement and saved. When in reality those people are the ones who have funded medicare for 1000s of people. We need a new system, one without all the insurance companies, one where people are not making 5-10M+ for managing a health care company. Do universal HC and we don't need 75-80% of those involved in health insurance now. Costs would go down, and the actual nurses and doctors could get paid more

Your healthcare was never 500 a month. Your employer paid the rest. I pay a family plan for 4 and pay both the employee and employer payments and that is 3800 a month.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I love the MAGA morons claims that GLP is driving health insurance up and not their stupid policies.

It is neither glp-1 nor maga. Prices went up.

And prices went up because hospital systems have merged, consolidated, and bought up independent practices. And private equity has bought up so much of healthcare.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I love the MAGA morons claims that GLP is driving health insurance up and not their stupid policies.

It is neither glp-1 nor maga. Prices went up.

And prices went up because hospital systems have merged, consolidated, and bought up independent practices. And private equity has bought up so much of healthcare.

Yup 100% this. My dad was supposed to have surgery at Mount Sinai in NYC but because of a dispute between Mount Sinai and Blue Cross Mount Sinai went out of network. Now he needs an entire new team and hospital.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We are retired and pay about $5350/mo for the 4. Up from $4900 last year but down from a few years ago when it was $5500. PPO and it sucks

Wow. What percentage of your income is it as a retiree?

Now I understand why people are saying $1 million retirement is nothing.

How do people will less than a million in retirement live? Wow

They are very wealthy if they have minor kids and retired.

Yes, we are very wealthy. It’s still a lot of money but we can afford it.

But it shouldn't cost that much for healthcare in our 50s and 60s. The sheer fact that my healthcare goes from $500/month for family (employee, spouse and all the kids you want) to $3K for medical only if I want to buy a plan when I'm retired and not 65 is ridiculous (and that plan is only medical and has $8K/18K+ deductibles).

Medicare also should NOT cost $2K+ for a couple over 65 for ONLY medical just because they saved for retirement and saved. When in reality those people are the ones who have funded medicare for 1000s of people. We need a new system, one without all the insurance companies, one where people are not making 5-10M+ for managing a health care company. Do universal HC and we don't need 75-80% of those involved in health insurance now. Costs would go down, and the actual nurses and doctors could get paid more

Your healthcare was never 500 a month. Your employer paid the rest. I pay a family plan for 4 and pay both the employee and employer payments and that is 3800 a month.

While we’re being precise, neither you nor your employer are paying for healthCARE. You’re paying for health INSURANCE.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We are retired and pay about $5350/mo for the 4. Up from $4900 last year but down from a few years ago when it was $5500. PPO and it sucks

Seriously? Well I think it’s completely crazy not to have health care… but there is an inflection point, and you are certainly at it.

Yes seriously. But we knew going into retirement that this was the cost if we wanted a ppo.

This is clearly an early retirement, with 2 dependents to still cover. It's a choice.

[Anonymous]

The way to solve healthcare is to eliminate the healthcare benefit subsidy for any state or govt retired worker.

They since retired and have all day to work on this will solve the problem in a matter or weeks.

[Anonymous]

Anonymous wrote:

Anonymous wrote:This discussion is why I want the right to die. I'd rather skip all the healthcare and just die when I want, rather than be forced to stay alive when I don't want to.

+1. My mom has diabetes and has to take insulin everyday. If I had diabetes, I'd rather not take insulin everyday, but I also don't want to be blind but still alive because my other functions are taking longer to die off than my eyes. I would just rather end it.

This is about the dumbest comment I can imagine. You would rather die than take insulin?

This seems like an advertisement for natural selection.

[Anonymous]

Anonymous wrote:Well someone has to pay for everyone who got glp1s off label.

No, it is because Republicans let the ACA subsidies expire.

Blame those we hired to look out for us, not the victims of this broken system!

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We are retired and pay about $5350/mo for the 4. Up from $4900 last year but down from a few years ago when it was $5500. PPO and it sucks

Wow. What percentage of your income is it as a retiree?

Now I understand why people are saying $1 million retirement is nothing.

How do people will less than a million in retirement live? Wow

They are very wealthy if they have minor kids and retired.

Yes, we are very wealthy. It’s still a lot of money but we can afford it.

But it shouldn't cost that much for healthcare in our 50s and 60s. The sheer fact that my healthcare goes from $500/month for family (employee, spouse and all the kids you want) to $3K for medical only if I want to buy a plan when I'm retired and not 65 is ridiculous (and that plan is only medical and has $8K/18K+ deductibles).

Medicare also should NOT cost $2K+ for a couple over 65 for ONLY medical just because they saved for retirement and saved. When in reality those people are the ones who have funded medicare for 1000s of people. We need a new system, one without all the insurance companies, one where people are not making 5-10M+ for managing a health care company. Do universal HC and we don't need 75-80% of those involved in health insurance now. Costs would go down, and the actual nurses and doctors could get paid more

Your healthcare was never 500 a month. Your employer paid the rest. I pay a family plan for 4 and pay both the employee and employer payments and that is 3800 a month.

I am well aware of that fact. The COBRA costs are $2400 for an entire family, with a $1.25K/$2.5K deductibles. And that includes medical, dental and Vision. Medicare is only medical.

Point is if we had a real UHC system, costs would be greatly lowered. People would get the medical care they need, before things become a real health issue. The person who is sick would pay $20 and go to urgent care, get treated a few days into the illness, versus waiting 5+ days, heading to the ER and possibly being admitted with pneumonia or something worse, when what they had was a cold/flu/bacterial infection that was easily treatable for $25 medication and we could prevent an ER visit (where costs are 3-4x) and possible hospital stay. So even overlooking the humanity of it (providing people with basic healthcare), it would save money.