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Thread: The U.S healthcare fiasco

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    Quote Originally Posted by TRFjr View Post
    I want you to answer me this simple question do you ever seen health insurance adds run on TV I'm not talking about supplemental insurance but regular health insurance you would think you would you cant watch 30 min of TV with out seeing a car insurance add
    how about Hospitals how many of those adds do you see? and do they ever talk about price for their services at those hospitals in those adds?
    can you answer me why?
    Hospitals will never provide the public with their master charge sheet since they know anyone with health coverage, the health insurance company determines the real cost for those services. To prove this, all you have to do is find one of your explanation of benefits of when you received health care, look for the allowable fee and you will see it is different from what was billed.

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    i still haven't heard an answer to why health insurance companies don't sell across state lines more than they do. There is no federal mandate and state regulations is also not the main reason. Those who claim it's not a free market, i ask why? tell me which regulations are stopping health insurance companies to sell across state lines.

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    Quote Originally Posted by Mike12 View Post
    i still haven't heard an answer to why health insurance companies don't sell across state lines more than they do. There is no federal mandate and state regulations is also not the main reason. Those who claim it's not a free market, i ask why? tell me which regulations are stopping health insurance companies to sell across state lines.
    It is the health insurance companies that do not want to sell across state lines because for example: a person living in New York (higher premiums) will want the same rate as someone living in Montana (lower premiums). As I said before, premium rates are determined by your zip code.

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    Quote Originally Posted by War is Peace View Post
    Healthcare was a mess before the ACA? TOTAL BS
    Before the ACA my wife had her own plan. It cost $250 a month with a $2,000 deductible.
    When they passed ACA she lost her plan and her doctor. The cost (with the subsidy included) jumped to $460 a month with a $6,000 deductible.

    Which "mess" would you rather have?
    It was a mess for the great unwashed. You pay now for the ones who pay zero premium. It's just that simple. Socialism. Yes, it's a dirty word. As well it should be.

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    Quote Originally Posted by TRFjr View Post
    what a nonsensical basket of bull crap
    what the hell does demographics have a dam thing to do with health care? a African American with high blood pressure is the same a Hispanic with high blood pressure. Caucasian having heart attack is the same as an Asian having a heart attack health care is health care treatment doesn't change because of ones demographics

    and car insurance companies have the same type of so called networks they have networks of repair and body shops which changes from state to state town to town
    no because the treatments and requirements are the same just the amount of it change
    it is like comparing a state that has more car accidents then another
    Elections have Consequences, Trump Won -- Now You Liberals Go Sit in the Back of the Bus

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    Quote Originally Posted by lynnlynn View Post
    Hospitals will never provide the public with their master charge sheet since they know anyone with health coverage, the health insurance company determines the real cost for those services. To prove this, all you have to do is find one of your explanation of benefits of when you received health care, look for the allowable fee and you will see it is different from what was billed.
    And that can and should be changed the consumer has the right to know and it is in the governments power to make sure that happens
    Elections have Consequences, Trump Won -- Now You Liberals Go Sit in the Back of the Bus

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    Quote Originally Posted by Johnny Brady View Post
    As a Brit I don't know much about US healthcare, so can somebody explain why Don called Obamacare "a disaster"?
    Is it really as bad as that?
    It's a 'disaster' because a Democrat introduced it. If it were Republicans who did then it would have been applauded. That's the black/white, up/down reality of US political debate.

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    Quote Originally Posted by lynnlynn View Post
    It is the health insurance companies that do not want to sell across state lines because for example: a person living in New York (higher premiums) will want the same rate as someone living in Montana (lower premiums). As I said before, premium rates are determined by your zip code.
    well then it's a free market.... i keep hearing that there are some 'laws or regulations' that prevent insurance companies from selling across state lines and that it 'not a free market' but these people don't really know why they are talking about.

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    Quote Originally Posted by TRFjr View Post
    And that can and should be changed the consumer has the right to know and it is in the governments power to make sure that happens
    I completely agree with you! However, not only should those fees be public information, the public should also have the right to a copy of the fee schedule of who they are insured by. This is important because now with high deductibles, a consumer can make a decision on going ahead with a medical procedure if they know what the real cost is for that billing code.

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    Quote Originally Posted by Mike12 View Post
    well then it's a free market.... i keep hearing that there are some 'laws or regulations' that prevent insurance companies from selling across state lines and that it 'not a free market' but these people don't really know why they are talking about.
    BC/BS provides insurance in every state, Aetna, United Healthcare, Humana, and others also do business in multiple states. They are doing business across state lines however the consumer is limited to purchasing their policy in their home state since rates are determined by zip code plus the network is limited by those providers of care who contract with them in that state only.

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