Now I Know Why I can't Afford Blue Cross Insurnace.

Re: Now I Know Why I can't Afford Blue Cross Insurnace.

PostBy: traderfjp On: Mon Aug 18, 2008 10:50 am

Richard: I know you're kidding about the co-op but I've read many an article concerning heads of charaties that pay themselves a large percentage of what is collected. This is all perfectly legal unless teh law changed and I don't know about it. One guy had a Rollyce for evey day of the week.
traderfjp
 
Stove/Furnace Make: Alaska
Stove/Furnace Model: Channing 3

Re: Now I Know Why I can't Afford Blue Cross Insurnace.

PostBy: Richard S. On: Mon Aug 18, 2008 2:36 pm

Yes I know many charities are scams including some of the major ones IMHO opinion. All my donations go to either a local church, benefit or local charity where I know the money is being spent on people. But.. we're going of the topic here.
Richard S.
 
Stoker Coal Boiler: Van Wert VA1200
Coal Size/Type: Buckwheat/Anthracite

Re: Now I Know Why I can't Afford Blue Cross Insurnace.

PostBy: Adamiscold On: Mon Aug 18, 2008 4:49 pm

Mass health insurance is mandated. If you go here you can see what you get for health insurance for the money.
http://www.mahealthconnector.org/portal/site/connector/
This link is broken, either the page no longer exists or there is some other issue like a typo.



For two adults making more then 42K a year;

Bronze 464.00 = 5568.00 a year
Silver 607.18 = 7286.16 a year
Gold 841.34 = 10,096.08 a year

If we have a child we would have to get a family plan and payments go to;

Bronze 675.76 = 8109.12 a year
Silver 809.79 = 9717.48 a year
Gold 1,173.23 = 14,078.76 a year

If you are single making more then 32k a year;

Bronze 169.63 = 2035.56 a year
Silver 236.37 = 2836.44 a year
Gold 295.58 = 3546.96 a year

It'll cost us less money to be married and each have a single plan then it is for us to be married and share the same plan. If we were in the bottom family plan it would cost us more for health insurance then it would for us not to only heat and cool our house but to have electricity in our home for that same year.

The whole reason we started looking at this is because my wife was changing jobs (I'm self employed) and under the Massachusetts law there is only a 63-day grace period when people can be uninsured without incurring penalties. Any new job wont give you health insurance until your 90 review is up. Seems like someone is always getting paid.
Adamiscold
 
Stove/Furnace Make: Chubby Sr. Old School


Re: Now I Know Why I can't Afford Blue Cross Insurnace.

PostBy: Richard S. On: Mon Aug 18, 2008 5:29 pm

Adamiscold wrote:Mass health insurance is mandated


NOW, I have heard it all and it appears it's time to get divorced. :lol: Having said that those rates are not outrageous.
Richard S.
 
Stoker Coal Boiler: Van Wert VA1200
Coal Size/Type: Buckwheat/Anthracite

Re: Now I Know Why I can't Afford Blue Cross Insurance.

PostBy: Adamiscold On: Tue Aug 19, 2008 11:28 am

Having said that those rates are not outrageous.


If you say it really quick it doesn't, but if you only see a doctor for a physical once a year(150 a visit) and for the past 10 years it's not the most wise investment in one's life. We would be paying more for health insurance then we would be contributing to our retirement fund.
Adamiscold
 
Stove/Furnace Make: Chubby Sr. Old School

Re: Now I Know Why I can't Afford Blue Cross Insurnace.

PostBy: Yanche On: Tue Aug 19, 2008 12:30 pm

Brace yourself for what's coming next. An annual fee imposed by your primary care physician. It's called Concierge Healthcare and cost $1200 to $1800 a year. My doctor is switching to the MDVIP program see:

http://www.mdvip.com/NewCorpWebSite/index.aspx

The annual fee gets you an executive level annual physical, all your medical records on a wallet sized CD and same day appointments. The fee is above an beyond what the doctor bills your insurance company. The primary care physicians get paid too little compared to the specialist doctors. They are rushed and have to see way to many in a single day to make ends meet. I'm good friends my my doctor and see how long he works and how rushed he is. He has over 4000 patients, his overhead costs are almost 70% of his billings. High insurance, rent, staff, salaries and the lower Medicare payments have made is choice of profession seem like a poor one. He's scared to death about the choice he's made, afraid he wouldn't have enough patients that will stick with him. The MDVIP program limits doctors to 400 patients. He's got three kids and is wondering how he's going to pay for their college education. He's 57 and wondering where his retirement income is coming from. Health care in this county is broken.
Yanche
 
Stoker Coal Boiler: Alternate Heating Systems S-130
Coal Size/Type: Anthracite Pea