And if you had no insurance as a millennial in a middle class family taking out federal loans to go to college... and you had to have surgery on something... expect to be paying all that off until you're around 45.

Josh Reynolds, Chief Information Officer
SPITwSPOTS, www.spitwspots.com <http://www.spitwspots.com>

On 10/09/2014 02:22 PM, Travis Johnson via Af wrote:
It's not the routine care and occasional small health issue, it's when the $500,000 heart attack happens. Or the $300,000 kidney failure. Or even the $100,000 surgery... that's really what insurance is for.

They charge "full retail" when they have to bill insurance because it's such a pain to actually collect. I work with several medical billing offices. These are full time companies that do nothing but handle insurance billing for doctors, etc... it's THAT big of a job to actually collect from all these insurance companies (the same ones that are making billions in profits each year).

Travis

On 10/9/2014 3:45 PM, Glen Waldrop via Af wrote:
The hospital, yes. The doctor's office, no.

I was a cash patient going to a specialist. My insurance price is around $175, my cash price was $130. Same with my meds, I paid cash price at my pharmacy and one run would be $66. With insurance they bill full retail which is closer to double that and I pay a $20 co pay. The pharmacy makes more money with my insurance, but they still made a profit without. I'm good friends with my pharmacist. I ran the numbers, even dealing with Lyme disease I was spending around $2500 a year, including supplements that aren't covered by insurance. I'm paying around $4000 a year for my insurance and still paying a chunk of my doctor bill and my medications, still paying for my supplements. My total healthcare is more like $5000 to $6000 a year now.

I spent less on healthcare by paying cash.
The testing was nice to have covered by insurance, but I'd have still come out cheaper at the end of the year to pay cash for those than pay my insurance.

I will say this, my wife had a miscarriage last month. Insurance came in handy on that bill, however, paying cash for the same service would have only made our healthcare equal what I'm paying for insurance every year.

    ----- Original Message -----
    *From:* Adam Moffett via Af <mailto:af@afmug.com>
    *To:* af@afmug.com <mailto:af@afmug.com>
    *Sent:* Thursday, October 09, 2014 4:04 PM
    *Subject:* Re: [AFMUG] ObamaCare


    If you go into a Doctor's office and receive aspirin and a hug,
    you'll still get a $500 bill (or your insurance will).

    I'd love it if we could address whatever drives the costs up.

    Collin, socialized medicine or socialized anything doesn’t
    work.  What happened to the idea that Capitalism built the
    greatest country and the greatest health care in the world.  Why
    does everybody forget that and keep wanting to go back to the
    failed systems in Europe, Socialism, Communism.

    Costs go up because of attorney’s and the technology behind our
    health care.  If you want cheap health care, get rid of MRI
    machines, genome cancer treatments, laser surgeries, AiDs drugs,
    Hepatitis drug research, etc…  If all you want is an aspirin and
    a hug, you keep holding to the idea that socialized medicine is
    a great idea.

    Rory

    *From:*Af [mailto:af-boun...@afmug.com] *On Behalf Of *Bill
    Prince via Af
    *Sent:* Thursday, October 09, 2014 9:41 AM
    *To:* af@afmug.com
    *Subject:* Re: [AFMUG] ObamaCare

    Amen brother Conlin.

    The way I see it, the biggest problem is that ObamaCare didn't
    go far enough.  We really, really need to have a system that
    gets a handle on the costs.  The cost to US citizens is more
    than double the cost to other developed countries.

    Just peruse this:
    
http://www.huffingtonpost.com/2013/03/26/charts-health-care-costs-americans_n_2957266.html


    bp

    On 10/9/2014 5:12 AM, Paul Conlin via Af wrote:

What did people expect? Insurance companies are the house. They always make money. By accepting pre-existing conditions everyone else’s premiums go up. By definition. The only way health insurance can work is if it is universal
        (code for mandatory).  Can’t have people who can do math,
like Chuck, opting out. Or healthy people saying no. Everyone in. Everyone pays. Spreads out the costs.

        ObamaCare was never about controlling costs.  It was about
        increasing coverage.  More coverage costs more.  Why are
        people surprised at this?  If you want to control costs you
        have to redesign the way money flows.  Our system of
        providers and insurance companies is **designed** to
        maximize heath costs.  It is a positive feedback loop.  What
        is needed is a single payer system, like Canada, where one
        paying party can have maximum leverage to minimize costs and
        who has limited ability to raise taxes.  It is a proper
        (negative) feedback system that has inheritably more
        control. Canada, for the record, is not privatized health
        care like the VHA.  In fact it is the opposite.  The
        Government of Canada purchases all its healthcare from
        private entities, like Medicare.  A fact yet to be
        discovered by the media in the USA.

        It is hard to understand why the Republican’s hate ObamaCare
        since it was mostly their idea.  Well, other than ObamaCare
was championed by Obama and I guess that is enough reason. The basic concept to use the free market and let industry to
        its thing is normally what Republican’s want.  Not to
        mention its inherent ability to make more money for
        insurance companies and private industry.  Sure, they are
        upset that it is being used as a wealth distribution system
        that makes people with money pay more and people without pay
        less.  Ok, so that is two reasons they hate it.

        The mistake made, was not implementing a single payer system
        simultaneously with universal coverage.  The CBO calculated
        the saving from the former would pay for the later resulting
        in no increase in out-of-pocket costs.  Then the other
        benefits of such a privatized system would start to kick in
        and the open market competition for services will drive
        costs down. With health care general health would improve
        and costs would go down even more.

        Unfortunately the Government is dysfunctional and has zero
        chance of overcoming the trillions of dollars companies are
        making off of the existing out of control health care
        system.  And if they could pass the laws, would anyone trust
        our Government to run such a program? And there is the root
        problem.

        Obviously an over simplification but now back to my real job.

        PC

        Blaze Broadband

        *From:*Af [mailto:af-boun...@afmug.com] *On Behalf Of *Rory
        Conaway via Af
        *Sent:* Thursday, October 9, 2014 12:33 AM
        *To:* af@afmug.com <mailto:af@afmug.com>
        *Subject:* Re: [AFMUG] ObamaCare

        People with pre-existing conditions are one of the few
        groups benefitting from this.

        Rory

        *From:*Af [mailto:af-boun...@afmug.com] *On Behalf Of
        *Jeremy via Af
        *Sent:* Wednesday, October 08, 2014 7:32 PM
        *To:* af@afmug.com <mailto:af@afmug.com>
        *Subject:* Re: [AFMUG] ObamaCare

        We pay about the same as we did but our deductible is lower,
        our out of pocket max is lower, and they covered our
        pregnancy.  We switched during the first trimester because
        we didn't have maternity coverage (no self-insured plans in
        our state had it), and Obamacare made pregnancy not count as
        a pre-existing condition. It saved us about $7,000-$8,000
        this year.  The craziest part is that we actually stayed
        with the same provider, Select Health (IHC).  It was just
        the difference between them providing maternity and not
        providing maternity.  We have been very happy with our
        Obamacare.

        On Wed, Oct 8, 2014 at 6:50 PM, Glen Waldrop via Af
        <af@afmug.com <mailto:af@afmug.com>> wrote:

        Further the subsidies have been deemed unconstitutional, so
        they're forcing us to pay insurance with the promise of
        subsidies that they are now going to take away.

        Bait and switch.

        The whole thing has been a screwup from day one.

        It is actually cheaper for me to pay out of pocket than pay
        for this insurance, but the fines will get you either way.

            ----- Original Message -----

            *From:*Rory Conaway via Af <mailto:af@afmug.com>

            *To:*af@afmug.com <mailto:af@afmug.com>

            *Sent:*Wednesday, October 08, 2014 7:03 PM

            *Subject:*Re: [AFMUG] ObamaCare

            And so did the quality and options of your care.  I know
            that 2 of my doctors retired early and the other one
            doesn’t take Obamacare. Fortunately I don’t have to use it.

            Here is my question though, doesn’t the fact that the
            federal government wasted a couple billion dollars of
            your taxes on websites that don’t work, companies that
            are paying workers to do nothing, and companies that are
            friends with the First Lady with no bid process in place?

            Rory

            *From:*Af [mailto:af-boun...@afmug.com
            <mailto:af-boun...@afmug.com>] *On Behalf Of *Sean
            Heskett via Af
            *Sent:* Wednesday, October 08, 2014 5:00 PM
            *To:* af@afmug.com <mailto:af@afmug.com>
            *Subject:* Re: [AFMUG] ObamaCare

            Please don't forget that this whole "obamacare" thing
            was "invented" by the American Heratage Foundation which
            is a republican think tank.  And the republicans tried
            to squash "Hillarycare" with it in the 1990's.

            Be careful what you ask for because you just might get it.

            Also, so far in the states that set up their own
            exchanges medical costs and premiums have been going
            down...mine sure did :)

            2cents

            Sean

            On Wednesday, October 8, 2014, Travis Johnson via Af
            <af@afmug.com <mailto:af@afmug.com>> wrote:

            Hi...

            I'm not sure exactly how this ObamaCare thing was
            supposed to "save everyone money" and provider "better
            health care". We just received our group health
            insurance premium notice for the upcoming year, and our
            rates will go up by 10% starting 2015.

            On top of that, everyone is now paying a 3% ObamaCare
            tax on their personal income taxes. This doesn't really
            seem like much of a savings to me... :(

            Travis




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