Health Insurance

[Vinny1]

Quote from misterno:

How much is your monthly premiums for this type of coverage? And what is the name of the provider if you don't mind me asking?

We pay $200 per month that covers all three of us here in Georgia with Humana. It's a little less than $70 per month per person. The plan has a $7,500 deductible per person per year with a $15,000 maximum family deductible. The plan does cover annual ob-gyn visits, annual check-ups at the pediatrician and internist, and preventive mammograms for free without a deductible. It also has a prescription plan.

I figure why pay high premiums for a $0 or low deductible when I can save alot of money each year going with the high deductible.

 

[jficquette]

Quote from Vinny1:

My wife, 3 year old daughter, and I have individual health insurance, since I am self employed and my wife does not work. Our health insurance does not cover prenatal and postnatal care, nor a baby delivery at the hospital. So if we wanted to have a second child, it would cost $7,000 according to my wife's Ob-Gyn for the prenatal and postnatal care, and for a regular delivery at the hospital; it would be $9,000 total if there was a c-section. We would have to pay the entire fee at least 2 weeks before the delivery. I'm not sure if all Ob-Gyn's and hospitals are like that, but ours is. If there are complications or the baby is born premature and the baby requires to be in the hospital for more than 2 (regular delivery) or 4 (c-section) days, then the hospital charges $1,500 per day, which is outrageous.

It is so unfair that we have to pay such a high fee to have a baby, especially since many people come to this country and have their babies for free and never pay a dime. We have decided not to have any more children.

Funny. Not having a kid because it costs to much. Great value system.

 

[Thermactor]

The pitfalls of irrational reasoning are pretty obvious in the last paragraph. At what point does the OP expect the costs of having a child to taper off after childbirth is paid for? Children are expensive to keep AS WELL!

 

[TGregg]

Quote from Maverick74:

Well, it's actually over 10 years. They throw out the trillion number for dramatic effect. More like 280 billion a year. Or to put it another way, a fraction of the bullshit foreign aid we give to corrupt middle eastern dictators every year.

Curious that they never quote government spending in terms of decades like they do with "tax cuts".

 

[Vinny1]

Quote from jficquette:

Funny. Not having a kid because it costs to much. Great value system.

We have decided not to have any more children, since we would rather give all of the attention to our one child, not because the hospital and Ob-Gyn cost would be $7,000.

 

[Debaser82]

Come to Europe.

Having a baby costs like 1000$ max And the mortality rate is lower then in the US so no quality issues there.

Ofcourse, not everyone is as free market minded here then in the States you know, I could understand how that would be to big of an obstacle to overcome.

 

[tomdavis]

Let's say it costs $10k when the child is born. That's just the beginning. We easily spend more than $10k per year on each of our kids every single year. The hospital bills are where the expenses start. After that, it's food, clothes, soccer, dance lessons, piano lessons, vacations, Chistmas presents, birthday parties, school tutors, etc., etc. Kids are expensive EVERY year, not just the year that they're born.

Quote from Vinny1:

My wife, 3 year old daughter, and I have individual health insurance, since I am self employed and my wife does not work. Our health insurance does not cover prenatal and postnatal care, nor a baby delivery at the hospital. So if we wanted to have a second child, it would cost $7,000 according to my wife's Ob-Gyn for the prenatal and postnatal care, and for a regular delivery at the hospital; it would be $9,000 total if there was a c-section. We would have to pay the entire fee at least 2 weeks before the delivery. I'm not sure if all Ob-Gyn's and hospitals are like that, but ours is. If there are complications or the baby is born premature and the baby requires to be in the hospital for more than 2 (regular delivery) or 4 (c-section) days, then the hospital charges $1,500 per day, which is outrageous.

It is so unfair that we have to pay such a high fee to have a baby, especially since many people come to this country and have their babies for free and never pay a dime. We have decided not to have any more children.

 

[Artful D0dger]

Yeah but in the nations where there's "free" health care, that still happens. The emergency rooms are still flooded because people have to wait for weeks just to get to see a doctor, sometimes months. It's even worse there because any time anyone has a headache, stayed out drinking too much and doesn't want to go to work they go to the hospital because they are "sick", so they can't get fired. People go because of common colds to the e-room. People even drop off elderly parents because they want a baby sitter for them while they go out. It takes weeks to get in to see an actual doctor, and that's doing well. If you need any scans/tests, it nearly always takes at least 2 months. You have obviously never witnessed this "free" healthcare in action.

Quote from hoodooman:

On monday my blood pressure dropped to 70 over 40 and I passes out. EMT took me to wake med in raleigh. I lay there for 7.5 hours before I could see a doctor and another 4 hours before I was assigned to a cubicle.

Meanwhile, my wife was observing gobs of people who were walking into the emergency room with only minor problems and my wife noticed that they knew all about the system of getting in.

During my wait, I asked a lot of questions and found out it is against the law to turn anyone away from the emergency room and to refuse care.

The small hospitals have all gone broke and closed around here and we are left with crowded conditions in the remaining emergency rooms.

Unless the law changes, then the only solution is free medical care for everyone, so that these free loaders can go to a doctor's office.

I believe the increase in taxes would easily be worth it, particularly when you are laying there expecting to die from a lack of medical care, in the emergency room. What a joke.

If anyone has a better idea, then I would love to hear it.

Good luck and take care.

 

[Artful D0dger]

Yes, he is a traitor to the democratic party, MOST of the democratic party is a traitor to the democratic party, because it's been over run with the socialist party. Actual Democrats proper are almost extinct these days.

Quote from AK Forty Seven:

Sadly there were a few traitors known as blue dog democrats in the Senate that stopped the public option.As you know I also believe we have a traitor to the democratic party in the White House as well

 

[tomdavis]

When people have kids they can't afford the child gets slighted, the family ends up on welfare and the taxpaying public gets stuck with the bill. We have 600,000 of these families in California alone. Don't have kids if you can't afford to take care of them.

Quote from jficquette:

Funny. Not having a kid because it costs to much. Great value system.