Community Chat

[NoelSeven]

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@Reba055 wrote:

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@MyGirlsMom wrote:

@NoelSeven

That's Insurance 101, I would have thought everyone knew that.  I'm glad you explained it. as simply as you did. 

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Good grief. Do y'all really not get it?

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Don't flatter yourself.

[Drythe]

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@Reba055 wrote:

This will probably get deleted but I hope everybody that drank the Koolaid is happy now!

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I'm happy.  No one offered me Koolaid though.

[nun ya]

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@NoelSeven wrote:

Also, colleges provide some healthcare, some covered by college fees paid by students.

Most young people don't require a lot of health care so it evens out.

Once again, that's how insurance works.

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 If you don't have insurance, that total amount is added to your tuiton bill. At the colllege my daughter attended, you can not live on campus without insurance. 

[NoelSeven]

I wonder if cookies come with Koolaid?

[MyGirlsMom]

I have the popcorn! 

[NoelSeven]

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@NUNYA wrote:

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@NoelSeven wrote:

Also, colleges provide some healthcare, some covered by college fees paid by students.

Most young people don't require a lot of health care so it evens out.

Once again, that's how insurance works.

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 If you don't have insurance, that total amount is added to your tuiton bill. At the colllege my daughter attended, you can not live on campus without insurance. 

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Good point.

My daughter had outside insurance on her own in grad school.  Undergrad we paid for.  

[nun ya]

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@Reba055 wrote:

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@NoelSeven wrote:

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@Reba055 wrote:

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@NoelSeven wrote:

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@Reba055 wrote:

So I guess calling someone out for implying I'm some crazy convinced the government is out to get me, while bragging about their cheap insurance supplemented by taxpayer money is unkind but all the snarky remarks directed at me are not unkind??  I'm confused. 

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You are just wrong if you assume all college healthcare is paid by the taxpayers.

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I in no way implied that.  The new law requires insurance companies to include children over 18 etc, etc., all part of the whole healthcare act, all additional cost absorbed by everyone paying into the system. That would be the taxpayers. The poster stated her insurance premium was the same for four as two. Who do YOU think is paying it?

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Others in her insurance group.  That's how insurance works.

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It's semantics, but the requirements to include previously excluded groups results in higher premiums for all. That means I'm paying more, you are paying more. Regardless of the group, it is the same across the board. We are taxpayers, paying higher insurance premiums to include those as required by the new law. 

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 One of my complaints, is the less you make, the better the plan . I am paying 10x what a relative pays. They pay $60, I pay $600 They have no deductible, no co pays and have dental.  but yet I have a 3500 deductible. 

[Reba055]

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@NoelSeven wrote:

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@Reba055 wrote:

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@NoelSeven wrote:

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@Reba055 wrote:

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@NoelSeven wrote:

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@Reba055 wrote:

So I guess calling someone out for implying I'm some crazy convinced the government is out to get me, while bragging about their cheap insurance supplemented by taxpayer money is unkind but all the snarky remarks directed at me are not unkind??  I'm confused. 

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You are just wrong if you assume all college healthcare is paid by the taxpayers.

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I in no way implied that.  The new law requires insurance companies to include children over 18 etc, etc., all part of the whole healthcare act, all additional cost absorbed by everyone paying into the system. That would be the taxpayers. The poster stated her insurance premium was the same for four as two. Who do YOU think is paying it?

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Others in her insurance group.  That's how insurance works.

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It's semantics, but the requirements to include previously excluded groups results in higher premiums for all. That means I'm paying more, you are paying more. Regardless of the group, it is the same across the board. We are taxpayers, paying higher insurance premiums to include those as required by the new law. 

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No, it most certainly is not semanics.  And in the end the insurance company makes a lot of money.  

And once again, most students require very little in the way of health care. 

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A low risk group might result in a lower premium, but there is a premium that must be absorbed by someone. You don't just add insurance coverage for a select group of individuals at no additional cost just because " they require very little in way if healthcare".  The same thing applies with pre-existing conditions, which obviously is not a low risk group. 

Just what argument are you making?  Or are you just trying to argue?  Do you not believe that the cost is covered by increased premiums across the board. I don't know what your point is. 

[Drythe]

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@NUNYA wrote:

 I liked it better when it was taken out of pre-taxed money. That does make a difference to the average working person.

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@nun ya

Did your company stop it's Health Savings Account?  Is that how you lost your pre-tax payments?

[Drythe]

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@Nicknack wrote:

Interestingly, I saw on the Today show this morning that the American Cancer Society has come out with new guidelines for mammograms.  Instead of starting them at age 40 they are now saying 45.  Also, they're recommending them every two years instead of every year.  The woman who was speaking about it said that most doctors are really upset about this.  They said it was just a guideline and you could still start at age 40 and still get mammograms every year.  They said they didn't know how insurance companies would treat this new guideline.

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@NickNack

I saw that show also.  Please note:

That was with regular screening (breast exam by a physician) the new standard is moving toward starting mammograms at 45 every other year. 

That standard is for women not on certain medications, without family history, or with other conditions.

This came from the American Cancer Society, not the Government or Insurance companies.