Sunday, 30. May 2010
Wreck a car, pay a set deductible done. Need a rental? Your policy covers, done. Car breaks down, warranty covers, done.
Health insurance- you have a $10.00 co pay, paid, but we charge $75.00 but your insurance only pays $25.00 so you owe us $50.00 and they only cover 2 a year so you owe us $425.00
It is things like that I want changed.
I want a national healthcare. Government regulated, not ran. If per incident charges exceed $5000.00 then this policy kicks in and covers. Just like car insurance does. Clear set understandable rules.
And flex savings that don’t go away at years end to pay for glasses, dental and prescriptions, that cost us citizens the same as in Canada or on the Internet.
IT WAS GOVERNMENT THAT GOT US INTO THIS!!! THEY NEED TO GUIDE US OUT!! Employer-based coverage came about during World War II under FDR as a result of the National War Labor Board’s decision to institute wage and price freezes in an attempt to prevent production shortages due to labor unrest or inflation. The freeze was not applied to fringe benefits like health insurance, allowing employers to compete for skilled workers by offering ever-increasing health insurance coverage. Workers grew accustomed to receiving health benefits from their employers; making employer-provided health benefits became an American institution
AND YES THEY SHOULD BE TAXED,
By taxing them they are back to income not a hidden source for the wealthy to play and not pay
And when you check out of the hospital, or leave a doctors office, bill must be presented in full at time of check out or it is no longer owed. No more three-month latter you owe a or that. It wouldn’t fly at a motel or at a restaurant should not be allowed in healthcare
Posted in Answers by Prescription Savings -
Monday, 3. May 2010
“mole” in the “Whack-a-Mole” game”?
Y’all know that child’s game, where the object is to “WHACK” the “MOLE” , each time he pokes his head “above the rim” for air.
Do you think you feel a little like the “mole”, and getting “WHACKED” when,
The banks are “tanking” ?
The savings account’s are draining ?
The stock market’s “bleeding to death ?
And prices are escalating on everything,especially Food,
Rent, and
Prescription Med’s ?
WHACK , WHACK, WHACK !!!!
Now get ready for the biggest “WHACK” yet,
TAXES !!!
KERRRWHAAAACKKKKK !!!!!!!!!
What do you think should (or can) be done to avoid getting “Whacked”?
To keep it simple, this is an “honest” question, and NOT meant as a “slam” against the Democrats, OR Obama’s upcoming presidency.
We (I) have been getting “WHACKED” good and hard for a lot of years with ” George” in the drivers seat, so I guess the answer is to keep yourself in the “hole”, and don’t come out.
(And I hope you recognize it as a bit of “demented humor” to face the weekend with.)
I sure hope noone’s taking this “Q” too serious, I guess I should have “worded” it differently.
Maybe “feeling like a golf ball” ?
(Being taken for a “long, long ride, then dropped into a dark hole until ready to use the next time”)
Or, “feeling like a ping-pong ball” ?
(over the net, back and forth, over the net,,,,,,)
The examples are endless…….
Too much to think about,,,,,,
Well, They’re ALL “Best Answers”, but I better pick one before some “reports” me for “B-ing and Griping” ! have a good weekend everybody !!!!
Posted in Answers by Prescription Savings -
Sunday, 25. April 2010
Peeling off layers, like an onion, is an alternative to a Holistic All-At-One-Time Megasolution. Layering the problem down is sometimes called Disjointed Incrementalism. You do something. See what happens. See what’s left of the problem. Then do something else tailored to what’s left of the problem. When the impact of that occurs, you assess where the problem is at that point — i.e. what’s left of it. Then you hand-tailor a new hack at the problem based on how it is at that point.
The progress in incremental — it happens in pieces, or chunks.
The progress is disjointed — because the plan is “open” like in a chessgame, or a tennis match. You have to see what the effect of your last move is before you design your next move. This is called interaction with reality. It’s less hubristic than a huge plan with thousands of moving parts that you somehow imagine will “work” just because you the wonderful you say it will work.
So what’s the first layer?
It could be vouchers to subsidize some of the uninsured. These would be financial instruments that only the adressee could spend, and that could only be spent on one of the approved 85 health insurance plans offerred by companies that the government has examined and knows to be non-rip-off organizations. These 85 firms are closely monitored for their financial soundess and the integrity of their conduct and the quality of their management and governance.
Vouchers could peel back about 40% of the uninsured problem. The other 60% would not be able to get health insurance even if they had 10 handfulls of vouchers and were standing on Insurance Crossroads of the World. Why? Because they are uninsurable. Too sick. No fixed address. Extreme bad habits. Not able to be identified. Mendacious and unable to assist in their own healthcare. Just your hopeless basketcase type people. There’s at least 25 million of them loose in USA. It would be absurd to expect a voucher program to fix their problems, so let’s not.
Let’s be satified with peeling off 20 million people from the problem. These are the ones that are not too sick, that do have addresses, that don’t lie, and who are only a little dysfunctional, most of it just poverty, not twistedness.
OK — we’ve got 25 million people left — how about maybe Federal Primary Care Clinics — real close to hospital emergency room entrances. When these basketcase people show up, they can be quickly diverted away from the $1000 emergecy room visit, and to a 24/7 Primary Care Pauper’s Clinic that can provide quick medical intervention, and a prescription, and some pills, for about $75 per visit (that’s a 92.5% savings compared to what we do now).
Let’s say that takes the problem down by another 20%. So now it’s 20 million basketcases.
Why don’t I just give you levels 3, 4, 5 and 6 right now? Because I don’t know them. See that’s the whole idea of an open plan — of disjointed incrementalism — like in a chessgame or tennis match — you don’t know how the whole game will unfold when you make the first move. You have to interact with the changing problem — the remnant going forward. So, the fact that I can’t lay it out for you now, does not mean that the layered approach is not viable.
It is plainly the best approach for this type of problem.
Obama has chosen the Holistic approach (like Hillary did).
That’s a huge mistake.
His scheme will be rejected.
When they come back next year to try again, maybe they could try something different, like smart people do instead of trying the same thing that did not work over and over and over — like we have to fight 10 more Vietnam wars before we realize that our approach does not work.
Posted in Answers by Prescription Savings -
Sunday, 28. March 2010
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Save up to 50% or more.
For more details please respond to this question and I will gladly answer any unanswered questions you may have.
This plan is designed for people without any medical, dental, vision, prescription or chiropractic coverage and Remember, this is NOT INSURANCE. This is a Discount Medical Plan. You simply present your plastic card to your provider and pay up front their discounted fee.
Posted in Answers by Prescription Savings -
Tuesday, 9. March 2010
Our situation: Self-employed (husband is a contract-only self-employed software architect; I work for his business in an administrative capacity – so techinically, I am his “employee”). Two adults, two small children. All healthy.
Currently we pay for a PPOM that allows for 2 office visits/person/year + $35 co-pay. VERY LIMITED coverage (inpatient only + preventative care such as OB-GYN stuff and well care for kids). Individual deductible = $1000 per person/ $2000 per family, then 80% coverage to $15,000 (our max out of pocket); then 100% coverage. Premium totals over $5200/yr and increases about 18-21% a year (no prescription coverage, of course)
A year ago our accountant advised switching to HSA type health insurance because he said the write-offs would be much greater. Now he’s not sold on the idea. We’d like to better understand where the tax write-offs would be and what the potential savings are in switching (or not switching).
If we switch, the HSA type would cost about $900 less per year in premiums. Family deductible amount (there is no individual deductible) shoots up to $5800.
NO office visits covered. Preventative package would include “covered” services such as OB-GYN w/ mammogram; well-child care consisting only of $500 max limit for vaccinations for kids – but all out of pocket expenses, as they would fall under the deductible first.
We are a healthy family, but this past year we had some unexpected health set-backs (my husband broke his nose, and my son had a trip to the ER for something minor on a Saturday night ). I had a CT scan, which cost a bundle and turned out normal (thought I had a hernia). We spent well over $3000 ON TOP OF our premiums (this for a PPOM), and we STILL did NOT meet our $2000 family deductible!
What does and does not constitute as going toward the deductible is sometimes quite nebulous, it seems.
My question is: with the numbers in mind – should we switch? Or stick with the PPOM? And why?
Thanks to any insurance and / or accounting expert/professional who takes the time to give us some insight into this whole HSA vs. PPOM thing.
Posted in Answers by Prescription Savings -
Saturday, 27. February 2010
I can’t buy on-line prescriptions since my Blue Cross is only good at the local pharmacies, but I have co-payments of up to 50% so I need some savings!
Posted in Answers by Prescription Savings -
Monday, 22. February 2010
I don’t have prescription coverage, am under age 60, and looking for discount programs
Posted in Answers by Prescription Savings -