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Health Insurance - Page 2

post #31 of 37

OP. your lucky.

 

I was curious how much a healthcare plan would cost me and my wife. I have not had med insurance since the late 1980's since I can't afford it. Back then it cost about $75 a month for Kaiser in L.A. Although my wife has had med insurance off and on with jobs she had.

I called BlueCross Blue Shield. This was the quote I received for a husband and wife age 55.

$500 deductible. After deductible BCBS pays 80% and insured pays 20% for  doctors visits. And CO-pay for doctor visits is $25 after deductible.

Yearly premium: $15,490.84

 

 

post #32 of 37

 Wonders what percent of people under 30 years old in the Usa have no healthcare insurance. My guess is well over the 16% as a whole. There is evidence pointing towards 40~60%. Have fun with a survey asking real people instead of believing whatever the politicians and TV say. They say 16% because however bad its believable.  Reality is much worse than they let on. 

 OP I really am glad things worked out for you, its too bad the younger generations don't get decent..or any..coverage. 

post #33 of 37

I have both US and Canadian coverage, and have worked in patrol rooms in both countries.  Neither is perfect, but it sure is simpler in Canada.  A skier comes in and they get treated.  In the US, a skier comes in, and while the patrol service is free, the doctor who can give pain killers, set broken bones etc, is only for the insured.

 

I had a patient with a ruptured spleen, blood pressure way low and dropping, going into shock, who couldn't afford an ambulance ride.  He thought he could get a friend to take him down and avoid the bill. 

 

Meanwhile in Canada I had an American friend who needed complicated heart valve replacement surgery.   He was between jobs and neither his old or new insurer would cover it. His mother was Canadian, and he qualified to come up to Canada for the procedure  He could still walk and breathe, so it was considered non-emergency.

 

He only had to wait for a specialist from Calgary to get back from a conference in Europe.  The guy fixed the valve without replacement, and he was back on skis that winter.

 

If I had to choose one system to be under, I'd take the Canadian in a second.


Edited by newfydog - 1/31/11 at 4:00pm
post #34 of 37
Quote:
Originally Posted by newfydog View Post

 

If I had to choose one system to be under, I'd take the Canadian in a second.


+1

I have insurance as a government retiree, but if I had to buy my own at the full cost, I'd take the Canadian system.

Americans complain that Canadians wait for treatment, but that's what puts some cost control in the system.  The only cost control in the US system is the finite amount of time doctors can spend creating billable events.  That has to change or the US will go broke.  We'll either have to wait like Canadians, or we'll end up paying a lot more out of pocket.

If you need some exotic treatment AND you have insurance that covers it, the US is better.  If you are worried that your daughter will have some crazy expensive complicated pregnancy and she doesn't have insurance, you'll probably prefer the Canadian system.

 

BK

post #35 of 37

Canadians love their peoples, Americans hate their neighbors. I salute you Canada, truly the land of the free,home of the brave.

post #36 of 37

Canada is  a huge, thinly populated country. Just providing health care across such a vast place would seem to be difficult enough.Surely they are not as wealthy a nation as we are and yet comparable health insurance would supposedly "bankrupt" us. Why is that?

post #37 of 37
Quote:
Originally Posted by oisin View Post

Canada is  a huge, thinly populated country. Just providing health care across such a vast place would seem to be difficult enough.Surely they are not as wealthy a nation as we are and yet comparable health insurance would supposedly "bankrupt" us. Why is that?


 

I'll take " would compete with current providers thusly losing their controlled market of  providing health care " Bob for 2 dollars,please.

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