Exploding health care premium

[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

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.

[Anonymous]

Anonymous wrote:

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

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.

Yeah, that's about 65K a year in premiums. Do you think your family will rack up medical bills worth of 65K every year? Even if you go out of pocket for specialists and scans/tests it would be a few grand if you start having issues. After the years you paid into it, like 10 years of being relatively healthy you are out of 650k. The only thing that can justify it is some catastrophic situation where your medical bills are in 7 figures. Otherwise, it's not even deserving to be called "insurance".

If you do not have e insurance, you get charged the full rate which can be 5-10 what is charged to insurance companies.

I imagine it depends on what you elect to do. We're a high deductible with HSA so I've shopped around and so far the difference between cash and insurance hasn't been much.

You definitely want insurance for the major crises but for a lot of everyday visits and consultations I don't think it is as much of a difference as you might think.

Have you ever looked at what the doctors charge, before the insurance company’s reduced fees?

Doctors don’t actually charge that. It’s the number they claim in order to get the number they want from the insurance “reduced” fees.

The lack of knowledge on what a f—king scam the entire healthcare industry is in this country is actually frightening.

Oh no, lots of us know. The problem is how difficult it is to change the system.

[Anonymous]

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.

[Anonymous]

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.

I agree, at some point, I don't want to live to suffer when I cannot get quality medical care.

[Anonymous]

Some illnesses are terminal regardless of quality medical care. Access to quality medical doesn’t prevent all pain, suffering, and death.

[Anonymous]

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.

[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.

+2. That we can't choose to die in a peaceful, humane way is ridiculous. I don't want to have to step in front of a bus, but I guess that's what I have to do.

[Anonymous]

Anonymous wrote:

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.

+2. That we can't choose to die in a peaceful, humane way is ridiculous. I don't want to have to step in front of a bus, but I guess that's what I have to do.

Not if you're demented. Which many elderly are. I recently watched my FIL die of hunger and thirst, completely demented, and having no quality of life for the last three years. He was positively skeletal, really hard to watch him suffer that way. He could not decide to step in front of a bus.

[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

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

That's not even the worst of it. Wait til these retirees need to pay for home health care. My parents are only able to do it because they have millions saved.

They probably die either voluntarily or due to poor help. Yep the richest country in the world. 2pac said we have money for war but not for healthcare.

Now the home healthcare business is run by greedy f**rs who are living large in Palm Beach.

Those boomers calling GenZ and everyone else lazy are raiding medicare and call everything but Medicare socialism 🤣

[Anonymous]

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.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

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

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.

Yeah, that's about 65K a year in premiums. Do you think your family will rack up medical bills worth of 65K every year? Even if you go out of pocket for specialists and scans/tests it would be a few grand if you start having issues. After the years you paid into it, like 10 years of being relatively healthy you are out of 650k. The only thing that can justify it is some catastrophic situation where your medical bills are in 7 figures. Otherwise, it's not even deserving to be called "insurance".

If you do not have e insurance, you get charged the full rate which can be 5-10 what is charged to insurance companies.

I imagine it depends on what you elect to do. We're a high deductible with HSA so I've shopped around and so far the difference between cash and insurance hasn't been much.

You definitely want insurance for the major crises but for a lot of everyday visits and consultations I don't think it is as much of a difference as you might think.

Have you ever looked at what the doctors charge, before the insurance company’s reduced fees?

Doctors don’t actually charge that. It’s the number they claim in order to get the number they want from the insurance “reduced” fees.

The lack of knowledge on what a f—king scam the entire healthcare industry is in this country is actually frightening.

Oh no, lots of us know. The problem is how difficult it is to change the system.

It's impossible to change. People often talk about the food and defense lobby as being the most powerful. The AMA they are on a different league

[Anonymous]

Anonymous wrote:

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

This is the answer. Last time it was obamacare. BCBS is honest they will tell you straight up why it went up they're honest at least.

I really believe these are health care PR bots.

I refuse to believe that people blame the use of a particular drug and not the system itself for high health care costs. It can be cheaper if you are willing to address the actual problem and if you are okay with a group of men not getting outrageously rich off the current system. Are you okay with that?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

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.

+2. That we can't choose to die in a peaceful, humane way is ridiculous. I don't want to have to step in front of a bus, but I guess that's what I have to do.

Not if you're demented. Which many elderly are. I recently watched my FIL die of hunger and thirst, completely demented, and having no quality of life for the last three years. He was positively skeletal, really hard to watch him suffer that way. He could not decide to step in front of a bus.

Me too with my MIL. It was horrific.

[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.

Diabetes is treatable and not comparable to other illnesses but people die every day from it due to lack of access to insulin and supplies. Its not a joke.

[Anonymous]

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

The problem is we normalize what should be a human right as a benefit reserved for those who have "made" it.

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.