Quote from cybtropic:
Well about the pre-existing condition and just waiting to buy insurance when you get sick:
IF you end up in the hospital without insurance, you will have to pay for all of that yourself. Even if you try to buy insurance at that point, it would be too late. You might be out $10K or more in hospital costs for that ONE illness. It would end up costing you way more than just buying insurance when you ain't sick.
Quote from stevegee58:
Oh, I dunno. Quite a few European and Asian countries have universal health care. Some would argue it's a human right, not an American one.
Quote from cybtropic:
Obama's health plan is NOT universal heatlh coverage. BUT Obama's health plan gets rid of pre-existing condition garbage.
Quote from gnome:
$10,000? I had a ruptured appendix a couple of years ago... 40 minutes in the OR... total bill... $99,000!!
Quote from MKTrader:
Did you at least have a high-deductible plan that covered most of the costs?
I briefly worked in the health insurance field. What killed me was that most people could care less about your scenario (the real reason for having at least a high-deductible plan). They were simply distraught that most self-insured plans didn't offer co-pays and they'd have to fork out $80-$100 for a routine visit.
Quote from cybtropic:
You miss the point. McCain says you can go and shop for heatlh insurance. That is a lie. You cannot go and shop if you have any pre-existing condition (majority of americans?). Try and buy a heatlh plan if you have diabetes. NO ONE WILL INSURE YOU.
There is one heatlh insurer in every state that by law HAS to insure you. That is the only insurer that any daytrader can go and buy if they have any pre-existing condition. Even in this case, they can still tell you that for x number of years, your pre-existing condition (diabetes, cancer, etc) will not be covered. Meaning you will be paying the insurer but your current illness will not be covered for set amount of years.
I am in this boat. The point is that if McCain gets his way, EVERY american will realize this as well.
And knowing that most americans are ignorant, they will still buy a plan that will not cover any of their current illness. Then when they buy it, they will realize that it doesn't cover anything. Just like the morons who bought million dollar homes making minumum wage.