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Health Insurance, is it that bad?

Health Insurance, is it that bad?

Old Sep 7th 2016, 12:28 am
  #16  
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Default Re: Health Insurance, is it that bad?

Ontario isn't as bad as some other provinces, JG. The in-laws in Quebec live on the reservation, Kanhawake, but go into Montreal for their doctors and will only use the "Jewish" hospital (my sister-in-law's name for it) and not the "Catholic" hospital. Apparently they speak both English and French in the Jewish hospital (they don't speak French) and not so in the Catholic one

Yes, b-I-l has waited a few weeks for tests but never more than 8 weeks and then the tests were not urgency required.

My stepson in Halifax has to pay for meds and vision because Halifax insurance does not cover those. We had to transfer funds many times to his bank account to pay for our grandson's medicine and glasses when stepson was out of work.
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Old Sep 7th 2016, 12:31 am
  #17  
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Default Re: Health Insurance, is it that bad?

Originally Posted by Rete View Post
Ontario isn't as bad as some other provinces, JG. The in-laws in Quebec live on the reservation, Kanhawake, but go into Montreal for their doctors and will only use the "Jewish" hospital (my sister-in-law's name for it) and not the "Catholic" hospital. Apparently they speak both English and French in the Jewish hospital (they don't speak French) and not so in the Catholic one

Yes, b-I-l has waited a few weeks for tests but never more than 8 weeks and then the tests were not urgency required.

My stepson in Halifax has to pay for meds and vision because Halifax insurance does not cover those. We had to transfer funds many times to his bank account to pay for our grandson's medicine and glasses when stepson was out of work.
Yes I realise each province has different healthcare systems...but I have only experienced Ontario.
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Old Sep 7th 2016, 1:49 am
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Default Re: Health Insurance, is it that bad?

Originally Posted by Pulaski View Post
As I understand it, Canada does not allow private insurance/private practice to supplement state coverage, so in that sense it is even worse than the UK, and explains why Canadians with money come over the border into the US to pay for treatment that they are prohibited from paying for in Canada.
Pretty much correct. There is a lawsuit going to court this week over private healthcare in BC, will be interesting to see how the courts rule.

B.C. lawsuit set to reignite debate about private health care - The Globe and Mail

In BC, I would rate the system for non-emergencies a 5/10 due to potentially long waits and lack of doctors making it difficult to access care since pretty much all medical care starts with your GP which are in general in short supply.

As I said earlier as an example, wife has been waiting months to see a specialist, by the time of her appointment, it will have been a total of like 10 months, and this is not all that unusual, I waited 9 months or so, and she had waited close to a year for another specialist.
The few emergencies I have had everything was fine, waits minimal.

Last edited by Jsmth321; Sep 7th 2016 at 1:55 am.
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Old Sep 7th 2016, 1:51 am
  #19  
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Default Re: Health Insurance, is it that bad?

I have heard so many horror stories I do not know where to start.

I think the people who post on this forum are not a normal cross section.

I was half party to a conservation yesterday, somebody I know has serious issues and somebody else I know is a recently retired surgeon.

The topic was Managed Care, which he more accurately described as Managed Cost.

The issue is not so much now, bad enough, but the future seems totally scary to say the least. No way the demand can be met or the costs contained.

A lot of that of course goes for many other Countries.
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Old Sep 7th 2016, 2:11 am
  #20  
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Default Re: Health Insurance, is it that bad?

Originally Posted by Rete View Post
For the OP, my medicare is $109 a month out of my SS check and my supplemental is $650 a year. Don't know where you come up with the tens of thousands of dollars for medical when you retire at age 65 on Medicare.
Some of those high costs might include the deductible and out of pocket costs and copays for drugs, so what are those for your supplemental insurance.
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Old Sep 7th 2016, 2:27 am
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Default Re: Health Insurance, is it that bad?

I was thinking back when I first started work and people in their late 20's looked old, I remember a few retirements but not very many.

Now the age profile has changed, and I always wondered what percentage of the population is actually capable of effectively working to 65 plus, assuming they have that opportunity.

Now Colorado has its share of for example the obese, not so many where I am, they would not survive the lack of oxygen, but Colorado is down the bottom end of the BMI index. How are they going to work unto 70 when they seem having difficulty walking at 50?

There was an article somewhere about a seriously teckie guy who retired from Apple at 56, some year later, bored and wanting to do something he applied for a job at the Genius Bar, this guy wrote the book, never heard anything.
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Old Sep 7th 2016, 3:06 am
  #22  
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Default Re: Health Insurance, is it that bad?

Originally Posted by Rete View Post
There are people like us, Rene, who are geared to retirement at age 65. Never wanted to myself but fate took that decision out of my hands. Frankly, I hate being retired. Would rather work until I dropped.

For the OP, my medicare is $109 a month out of my SS check and my supplemental is $650 a year. Don't know where you come up with the tens of thousands of dollars for medical when you retire at age 65 on Medicare.
Well, there's a difference between what our costs have been so far, and prudent lifetime forecasts of what out of pocket healthcare costs should be planned for over the remainder of a typical lifetime.

I'm in my second year of Medicare. My total expense has been $104.90 a month! Why? Because I haven't been to the doctor at all.

But I have a high deductible type Medicare Advantage plan - my total out of pocket could be $6,500 per annum. Assuming a life expectancy of twenty years in retirement, I assume that's where the scary sounding figure of "hundreds of thousands" comes in. Of course, it's not scary at all, so long as you've budgeted for it. But I can see how it's a bit of an alien thought for folks coming from the UK.
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Old Sep 7th 2016, 3:19 am
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Default Re: Health Insurance, is it that bad?

Originally Posted by robin1234 View Post

But I have a high deductible type Medicare Advantage plan - my total out of pocket could be $6,500 per annum. Assuming a life expectancy of twenty years in retirement, I assume that's where the scary sounding figure of "hundreds of thousands" comes in. Of course, it's not scary at all, so long as you've budgeted for it. But I can see how it's a bit of an alien thought for folks coming from the UK.
So you are funding a deductible at current cost for a program that is effectively insolvent now?

I think the official date for insolvency due to some iffy accounting is 2029.
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Old Sep 7th 2016, 3:28 am
  #24  
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Default Re: Health Insurance, is it that bad?

With medicare part B & part D, plus dental and supplemental (AARP/United Healthcare), my wife and I pay $820/month total for the two of us. When I was working the cost was minimal.
When I first came to the US healthcare costs were paid in total by my employers, but year by year the cost to employees increased, but far below what I now pay. However I must say I get excellent care with no deductibles no waiting, no referrals and minimal prescription drug costs.
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Old Sep 7th 2016, 3:48 am
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Default Re: Health Insurance, is it that bad?

the worst part of the insurance for me so far is the brain numbing complicatedness and random rules that just make your life a misery. every single doctors appt i take my kids to - while i know we are generally 'covered' - i pay a random amount which is sometimes too much, sometimes too little and typically requires correction (further bill or refund) later. its absolutely impossible to get a firm quote for any procedure as its entirely depends on the vaguary of the billing person that day, the random charges they incur because that dr (unlike all the others) was actually out of network on the day as he helped despite you checking the facility and main doc WAS in network etc etc. The rules change and the terminolgu nchanges and its like speaking a different language. so the amount of the bill is only partially the problems - its understanding how to work the system thats a whole pain in the rear on its own.
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Old Sep 7th 2016, 6:33 am
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Default Re: Health Insurance, is it that bad?

I've had to spend as much time as a part-time job trying to sort out our health insurance.
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Old Sep 7th 2016, 12:19 pm
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Default Re: Health Insurance, is it that bad?

Originally Posted by Boiler View Post
So you are funding a deductible at current cost for a program that is effectively insolvent now?

I think the official date for insolvency due to some iffy accounting is 2029.
"Funding a deductible"? I have no idea what that phrase means in this context. My monthly premium for Medicare advantage is $0. I pay $104.90 per month for Medicare Part B, and as you know, paying for Part B is a sine qua non for any Medicare services (except Part A itself.)

As for insolvency, that's up to the voters and taxpayers.
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Old Sep 7th 2016, 12:25 pm
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Default Re: Health Insurance, is it that bad?

Originally Posted by Asg123 View Post
I've had to spend as much time as a part-time job trying to sort out our health insurance.
In terms of Medicare, 18 months before age 65 I bought a copy of Medicare for Dummies but Patricia Barry, AARP's Medicare expert. The book is over 360 pages long and does a good job of explaining the various options. But the truth is, healthcare options get a whole lot more complex after age 65 than they were during the years of being covered by an employers plan.
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Old Sep 7th 2016, 12:59 pm
  #29  
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Default Re: Health Insurance, is it that bad?

Originally Posted by robin1234 View Post
"Funding a deductible"? I have no idea what that phrase means in this context. .....
I think he means that with your very large deductible you are effectively "paying as you go", which is masking the "fact" that the underlying insurance scheme is insolvent. ..... The above mentioned "fact" is still in dispute, rightly or wrongly, but for now at least it is still paying out on claims.
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Old Sep 7th 2016, 1:28 pm
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Default Re: Health Insurance, is it that bad?

Originally Posted by Pulaski View Post
I think he means that with your very large deductible you are effectively "paying as you go", which is masking the "fact" that the underlying insurance scheme is insolvent. ..... The above mentioned "fact" is still in dispute, rightly or wrongly, but for now at least it is still paying out on claims.
But still saving hundreds or thousands a year, if I I don't need medical services that year. So the same high deductible calculation that folks make when they are of working age....

(Teaching grandmother to suck eggs...)

But yeah, I thought that was what he was getting at ....
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