Quote:
Originally Posted by ikestoys
no it's not. Plenty of old people are plenty rich enough to afford their own care. Plenty don't obviously but we treat them the same under Medicare. It's an important distinction you just flew through and are now shifting them posts as quickly as possible.
Quote:
Originally Posted by daveT
How much is a flu shot from Walmart again?
How much is diabetes screening? The bronze insurance would not cover diabetes treatment. I'm not slicing words here.
My goodness! I'm not a programmer. Where do these rumors start from?
Fasting test with regular blood panel is probably $100-$150. Flu Shot is probably $20-$30. Not sure about tetanus or pneumonia vaccinations.
So you pay $500-$600 a year plus copay and get two hundred dollars in those benefits alone plus anything else you would manage to address.
On top of that you continue to have coverage if something goes horribly wrong. I know people just want to have insurance kick in the day they get deathly ill but it will never work that way. Just having a proper baseline for blood pressure and weight has value in determining what a future problem might be.
I had periods where I was never really that sick, beyond a head cold. Maybe not see a doctor for years. Seems every time I went though i ended up having a lot to discuss.
The idea that there is no reason or benefit for healthy young people to have insurance is just wrong.
What if you break your arm or leg? That has little to do with being young and healthy and more to do with being young and active. X-rays, cast, change of cast, removal of cast. That is going to end up a pretty penny relative to the premiums a young person has. Obviously deductible comes into play. Ever priced out a sleep study? Even a relatively young and healthy person can have sleep apnea. Between the multiple studies and equipment you would blow any deductible throw the roof and keep on going. Could easily be 6k-10k.
At probably my peak health I got punched in the jaw. Shattered in one side and pushed it out the other. Worse i was on vacation. Not getting into the massive expenses of long term orthodontics, having to have my jaw rebroken again. What do you think it costs for emergency surgery to get my jaw wired shut for six weeks and then follow up care and treatment. I didn't need health insurance, I was healthy, super healthy. Guess how long it took the criminal who assaulted me to pay me back? Never did. I once got a check for $5.42. I sued the company overseeing the property and that case took ten years and it did not even cover my medical expenses. On top of that my insurance company wanted it.
Fact is young and healthy people have a higher risk to be stricken by severe trauma. Be it a fight, car accident or whatever. Sure there overall costs are lower and risk is lower but you act like because you are young and healthy paying insurance premiums is a complete waste of money. That is not the case.
Again I do not get the mindset where people think health insurance should be a zero sum game at WORST. I would rather be the guy who pays $600 a year in premiums and never gets ANY benefit from it then the guy paying $5000 a year in premiums and costing his insurance company $15k a month.