12-24-2020, 08:35 PM | #323 | |
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12-24-2020, 09:19 PM | #324 | |
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12-24-2020, 09:20 PM | #325 | |
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The Following User Says Thank You to Irace86.2.0 For This Useful Post: | Dadhawk (12-24-2020) |
12-24-2020, 10:01 PM | #326 | |
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Hard pass.
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The Following User Says Thank You to Tomm For This Useful Post: | Dadhawk (12-25-2020) |
12-25-2020, 12:18 AM | #327 | |
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Being retired is much easier lol
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The Following User Says Thank You to TylerLieberman For This Useful Post: | Tomm (12-25-2020) |
12-25-2020, 07:29 AM | #328 | |
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Oddly every single one of my close buddies that broke a bone on AD had to have them reset multiple times (2-3). Lol you survived. Congrats to you sir! I was done after 2nd contract.
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The Following User Says Thank You to Tomm For This Useful Post: | TylerLieberman (12-25-2020) |
12-25-2020, 11:25 AM | #329 | |
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The “drink water and take ibuprofen” stereotype is hilarious though because it’s so accurate.
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12-25-2020, 11:49 AM | #330 |
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Apparently this is the future:
https://www.metatube.com/en/videos/3...ass-Car/embed/ (Yes, this is a joke, but it's funny nonetheless) Last edited by AnalogMan; 12-25-2020 at 12:38 PM. |
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12-25-2020, 02:06 PM | #331 |
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I've never seen a "vision insurance" program that wasn't really just a discount program off list price. It's always seemed like a waste to me.
In general though, health insurance really isn't insurance, its a prepaid medical plan with a maximum payout. Basically, it's like if when you bought auto insurance it included all the standard maintenance and mechanical repairs for free along with your catastrophic loss (accident) insurance. What we have is more like a cost sharing program. Here's a good article that explains it better than I did.
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The Following User Says Thank You to Dadhawk For This Useful Post: | Tomm (12-25-2020) |
12-25-2020, 04:44 PM | #332 | |
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The Following User Says Thank You to Tomm For This Useful Post: | Dadhawk (12-26-2020) |
12-26-2020, 02:49 PM | #333 | ||
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Comparing it to my previous Kaiser plan from my previous employer, it is identical premium-wise. The only thing different is any type of subsidies you might get from Covered CA, which is based on your income. Quote:
I pay ~$300/month for my Kaiser HMO. But I also have never needed prescription drugs in my life, so I went with a Bronze plan instead of something higher. Covered CA offered me dental + vision (via VSP) for an additional ~$20/mo. The vision part essentially gives me a free checkup a year + about $100 credit towards contacts or frames. |
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12-26-2020, 07:55 PM | #334 | |
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Is this a self only plan? I agree, there are a lot of variables. My question is more geared towards how your coverage and service have been but it kind of seems like you don’t need it. lol The concept of basing insurance rates off of capability to pay is asinine to me. We can talk ab how insurance companies come up with premiums but it’s pretty widely known. So it’s progressive rates for the same service. That is another hard pass for me. To me, that’s like charging someone more for a gallon of milk because they earn more.
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12-26-2020, 08:07 PM | #335 | ||
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It's like saying "I've never been in a wreck in the last 20 years, so I don't need car insurance"... which I have not had in 20 years on a public road. But that isn't the point of insurance. Insurance is there to cover risk. Whether or not I use the insurance coverage is a moot point. To view health insurance as different from any other type of insurance is missing the big picture. Every person in their life will need health coverage at some point, whether they want to or not. Most of the coverage needed is at birth (when it's under your parents or whomever took care of you until you were an adult) or when you are dying/dead (whether it is from an illness or natural death). To assume "one can pay for their own" is ignoring the above two situations. Am I supposed to go back in time and pay my parents back for the coverage (or lack of) when I was a child, when I was born? Quote:
The fundamental concept of health insurance being subsidized is just a general concept of the fact that a healthy population costs less to maintain than an unhealthy one. So if you were to provide more coverage (overall) then you'd pay less over a period of 30-60+ years. A lot of this gets into very specific types of economic modeling for socio-economical conditions that are too difficult for a few discussion posts here, but at some point it needs to be emphasized that a healthcare subsidy is NOT the same as someone paying more for a good or service. The premium I pay ($300/month) is me, unmarried 41 year old male in California on the Kaiser Bronze plan. The only difference before/after ACA is that California offers a subsidy up to ~$300 depending on my level of income, and it goes away entirely once my income is above a certain threshold. That's all. What I pay for my healthcare does not change, what the state subsidizes changes. So it's like a gallon of milk is the same for everyone, except those that are poor can pay with food stamps from the state. |
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The Following User Says Thank You to mav1178 For This Useful Post: | Dadhawk (12-27-2020) |
12-26-2020, 08:17 PM | #336 | |
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I didn’t even challenge anything you said in your post. I just said I disagreed with progressive insurance rates based on capability. Which you have no control over. So why the hostility?
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