The US Healthcare Mass Debate

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pErvinalia
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Re: The US Healthcare Mass Debate

Post by pErvinalia » Sun Jul 21, 2019 8:32 am

Is this right? I was always of the impression from 42 and Seth that Medicare was free and comprehensive. Image
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Re: The US Healthcare Mass Debate

Post by JimC » Sun Jul 21, 2019 8:57 am

Memo to poor Americans...

Stay Healthy!

Or else!
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Re: The US Healthcare Mass Debate

Post by laklak » Sun Jul 21, 2019 2:02 pm

I don't know what basic Medicare covers. Everyone I know buys a supplemental insurance plan. Mine costs $150 a month, which while not free, is a fuck of a lot cheaper than the income tax rates I paid in the UK or what I see y'all pay in Oz. It comes out of my Social Security check so I never see it. Teh Gummint gives with one hand and takes with the other. I pay 0% deductible (called "excess" in some markets) and $0 co-payments, with no lifetime limits. So far so good, my out of pocket expenses have been 0. I'm sure there are some things I would get a bill for, but it's the best medical coverage I've ever had. I pay another $19 a month for a "Platinum Level" prescription plan, so my medications (the usual trinity of cholesterol, heart, and thyroid) are "free". Previously I was paying $45 a month.

That said it's an enormously expensive, wasteful, regulation and bureaucracy ridden program, but I'm beyond caring. As long as it takes care of me I don't give a shit, it's not like I can affect their policies anyway so I just take what's on offer.

The biggets downside is it has very limited coverage overseas, a $50,000 lifetime limit. That's a lot of medical care in Swaziland or South Africa, though, and I'll buy some sort of policy there.
Last edited by laklak on Sun Jul 21, 2019 2:04 pm, edited 2 times in total.
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Re: The US Healthcare Mass Debate

Post by Tero » Sun Jul 21, 2019 2:03 pm

pErvinalia wrote:
Sun Jul 21, 2019 8:32 am
Is this right? I was always of the impression from 42 and Seth that Medicare was free and comprehensive. Image
Yes we have the freedom here not to buy the supplement that covers those. Mine is some 100-150 a month.
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Re: The US Healthcare Mass Debate

Post by pErvinalia » Sun Jul 21, 2019 2:24 pm

Yeah that same show said 85% of Medicare users get supplemental coverage.
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Re: The US Healthcare Mass Debate

Post by Tero » Sun Jul 21, 2019 3:00 pm

Yeah but freedom! We have to have freedom not to buy insurance! Usa, Usa! Love it or leave it! Rah rah!
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Re: The US Healthcare Mass Debate

Post by Hermit » Sun Jul 21, 2019 3:09 pm

laklak wrote:
Sun Jul 21, 2019 2:02 pm
I don't know what basic Medicare covers. Everyone I know buys a supplemental insurance plan. Mine costs $150 a month, which while not free, is a fuck of a lot cheaper than the income tax rates I paid in the UK or what I see y'all pay in Oz.
What I like about the system in Oz is that medicare costs are progressive. Last time I checked the medicare levy for most tax payers is an additional 2% on their taxable income. So, someone on a taxable income of, say $22k will pay an additional $440 on their annual income tax, while someone on a taxable income of $90,000 pays an additional $1800.

That's an oversimplified picture, though. The situation is rather more complex. There also are exemptions and surcharges. People who earn $21,980 or less, (or $34,758 for seniors and pensioners entitled to the seniors and pensioners tax offset) are totally exempt from the medicare levy, while those who earn more than $90,000 get lumbered with an additional 1% unless they also have a private health insurance policy. The scales are also adjusted according to whether you are part of a family and how many children there are in that family.

Our healthcare system is nowhere even near perfect, but I very much prefer it to yours.
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Re: The US Healthcare Mass Debate

Post by Tero » Sun Jul 21, 2019 3:16 pm

The Biden plan is to cap insurance at some 8% of your income. So the top earners would pay that. It kind of skews things.
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Re: The US Healthcare Mass Debate

Post by Seabass » Sun Jul 21, 2019 3:28 pm

Bear in mind that the Medicare for All bills from Bernie and Jayapal are free and comprehensive, and also include eye and dental. They're far more than just Medicare expanded to include everyone. No copays, no deductibles, no premiums...
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Re: The US Healthcare Mass Debate

Post by laklak » Sun Jul 21, 2019 3:34 pm

If the Dems run on abolishing private insurance then it's Hail To The Donald in 2020.
Yeah well that's just, like, your opinion, man.

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Re: The US Healthcare Mass Debate

Post by Tero » Sun Jul 21, 2019 3:50 pm

In the line of "you keep your government hands off my Medicare"?
:funny:

But you are right, they have to package it right. We will end up with Medicare providing basic healthcare (including childbirth) and the emergency room. Supplements providing the rest. The employers will have an easyvtransition to these supplements for the employees. And since they too will be regulated, even small time companies (50 or so) can provide this benefit.
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Re: The US Healthcare Mass Debate

Post by Sean Hayden » Sun Jul 21, 2019 3:56 pm

I'm currently uninsured. :nervous: But it's better than paying for insurance that doesn't actually cover anything! :biggrin:
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Re: The US Healthcare Mass Debate

Post by Seabass » Sun Jul 21, 2019 3:58 pm

The Donald will win regardless. He's got the electoral college, Putin, and voter suppression on his side. Not to mention Big Fossil, Big Pesticide, Big Pharma, the arms industry, the insurance industry, the Jesus freaks, etc...
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Re: The US Healthcare Mass Debate

Post by Sean Hayden » Sun Jul 21, 2019 4:00 pm

Chin up Seabass! He lost the popular vote last time and he hasn't done anything for the people that gave him the win.
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Re: The US Healthcare Mass Debate

Post by Tero » Sun Jul 21, 2019 4:05 pm

Seabass wrote:
Sun Jul 21, 2019 3:58 pm
The Donald will win regardless. He's got the electoral college, Putin, and voter suppression on his side. Not to mention Big Fossil, Big Pesticide, Big Pharma, the arms industry, the insurance industry, the Jesus freaks, etc...
Only if he gets 45% and Dems 48%. A 44/49 does not win the election.
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