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Thread: Theoretical Question

  1. #16
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    Re: Theoretical Question

    Quote Originally Posted by Guisslapp View Post
    Are public roads socialism? What about the US Armed forces?

    Do you think either of those programs are run particularly well from a financial perspective? How about the VA, medicare/medicaid, and social security? If you are a corporation running a pension plan, you have to have it funded at a set percentage and send out statements saying you are in compliance to all of your beneficiaries...what would such a statement from the social security program say?

    Given what we know about over zealous government surveillance and unmasking, the politicization of government bureaucracies like the IRS and the justice department, do you really want that organization handling everyone's health records. I know all that was fine with you when "your guy" was in office, but as you can see your guy is not always in office.

  2. #17
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    Re: Theoretical Question

    Quote Originally Posted by PawDawg View Post
    The individual mandate has NOTHING to do with the success or failure of Obamacare. It did not get harder to pay for. That is a socialist-liberal talking point that you've gone sheeple on. Getting rid of the mandate was another unconstitutional part of Obamacare that, if important to success/failure, would have been part of the legislation.



    I told you in another thread what your next option is if you decided to become self employed.
    But it seems like a waste of money to pay of the insurance if I can just get it when I need it.

  3. #18
    Dawg Adamant Argument Czar Guisslapp has a reputation beyond reputeGuisslapp has a reputation beyond reputeGuisslapp has a reputation beyond reputeGuisslapp has a reputation beyond reputeGuisslapp has a reputation beyond reputeGuisslapp has a reputation beyond reputeGuisslapp has a reputation beyond reputeGuisslapp has a reputation beyond reputeGuisslapp has a reputation beyond reputeGuisslapp has a reputation beyond reputeGuisslapp has a reputation beyond repute Guisslapp's Avatar
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    Re: Theoretical Question

    Quote Originally Posted by DawgyNWindow View Post
    Do you think either of those programs are run particularly well from a financial perspective? How about the VA, medicare/medicaid, and social security? If you are a corporation running a pension plan, you have to have it funded at a set percentage and send out statements saying you are in compliance to all of your beneficiaries...what would such a statement from the social security program say?

    Given what we know about over zealous government surveillance and unmasking, the politicization of government bureaucracies like the IRS and the justice department, do you really want that organization handling everyone's health records. I know all that was fine with you when "your guy" was in office, but as you can see your guy is not always in office.
    The person I have voted for has never been POTUS. I voted against Obama twice too.

  4. #19
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    Re: Theoretical Question

    Quote Originally Posted by Guisslapp View Post
    But it seems like a waste of money to pay of the insurance if I can just get it when I need it.
    Well, I am certainly not an insurance expert (I do pay the horrid "affordable" health care fees because my company decided to drop retiree medical after the ACA was signed), but I do think there is a window where you have to sign up for insurance unless you have an event in your life that causes you to alter your coverage like having a child or losing insurance you already have. So, having a major health issue outside of the sign up period might just completely break you and leave you bankrupt or in debt for life.

    Grabbing coverage during the next sign up period after racking up millions in health care costs won't help. Of course, that is assuming you survive the government run health care you're going to get while waiting for the next sign up period.

  5. #20
    Super Moderator PawDawg has a reputation beyond reputePawDawg has a reputation beyond reputePawDawg has a reputation beyond reputePawDawg has a reputation beyond reputePawDawg has a reputation beyond reputePawDawg has a reputation beyond reputePawDawg has a reputation beyond reputePawDawg has a reputation beyond reputePawDawg has a reputation beyond reputePawDawg has a reputation beyond reputePawDawg has a reputation beyond repute PawDawg's Avatar
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    Re: Theoretical Question

    Quote Originally Posted by Guisslapp View Post
    But it seems like a waste of money to pay of the insurance if I can just get it when I need it.
    If you mean Obamacare. You can't do that outside of the enrollment period unless you meet on the of the exemptions.

    If you mean a group plan, they were not able to decline coverage for pre-ex long before Obamacare came along.
    HCSH cumulative point differential by quarter:

    231 522 654 -54

  6. #21
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    Re: Theoretical Question

    Quote Originally Posted by PawDawg View Post
    You can't do that outside of the enrollment period unless you meet on the of the exemptions.
    Took me two paragraphs to say that!

  7. #22
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    Re: Theoretical Question

    Quote Originally Posted by PawDawg View Post
    You can't do that outside of the enrollment period unless you meet on the of the exemptions.
    Gotcha, so as DNW was saying, you are rolling the dice that you wonít incur substantial medical expenses during the enrollment windows. Getting diabetes wonít break you, but needing cancer treatment or having to stay in a hospital due to serious medical condition could cost you big,

  8. #23
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    Re: Theoretical Question

    Quote Originally Posted by Guisslapp View Post
    Gotcha, so as DNW was saying, you are rolling the dice that you won’t incur substantial medical expenses during the enrollment windows. Getting diabetes won’t break you, but needing cancer treatment or having to stay in a hospital due to serious medical condition could cost you big,
    You can go the charity route. They won't decline you health care. They will bill you for the services though.
    HCSH cumulative point differential by quarter:

    231 522 654 -54

  9. #24
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    Re: Theoretical Question

    Quote Originally Posted by Guisslapp View Post
    Gotcha, so as DNW was saying, you are rolling the dice that you won’t incur substantial medical expenses during the enrollment windows. Getting diabetes won’t break you, but needing cancer treatment or having to stay in a hospital due to serious medical condition could cost you big,
    Depending on the type of diabetes and the severity, yes, getting diabetes could very well break you. A vial of insulin costs roughly $300. I have a prescription for three vials per month. That's $900 per month, or $10,800 per year. (I pay $55 per month with my insurance.) That's not counting the costs of testing supplies and pump supplies, etc. Without my insurance, I would be broken pretty quickly as a diabetic.
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  10. #25
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    Re: Theoretical Question

    Quote Originally Posted by PawDawg View Post
    The individual mandate has NOTHING to do with the success or failure of Obamacare. It did not get harder to pay for. That is a socialist-liberal talking point that you've gone sheeple on. Getting rid of the mandate was another unconstitutional part of Obamacare that, if important to success/failure, would have been part of the legislation.
    i think you misunderstand me. obamacare was doomed to failure from the outset, and i agree that the mandate is unconstitutional. but if the mandate goes away and everything else stays intact, it just makes the "affordable care act" even less affordable than it was to start with.

  11. #26
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    Re: Theoretical Question

    Quote Originally Posted by theprofessor View Post
    Depending on the type of diabetes and the severity, yes, getting diabetes could very well break you. A vial of insulin costs roughly $300. I have a prescription for three vials per month. That's $900 per month, or $10,800 per year. (I pay $55 per month with my insurance.) That's not counting the costs of testing supplies and pump supplies, etc. Without my insurance, I would be broken pretty quickly as a diabetic.
    But if I got a diabetes, I could sign up in less than a year whenever the new enrollment period begins. I know diabetes is expensive to treat, but itís expense adds up because it is long term. That is why I used it as an example. If there could be denial of coverage for pre-existing diabetes, well, that could be catastrophic.

  12. #27
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    Re: Theoretical Question

    Quote Originally Posted by arkansasbob View Post
    but if the mandate goes away and everything else stays intact, it just makes the "affordable care act" even less affordable than it was to start with.
    No the rates have never been based on actuarial tables, because this was never insurance. Logic can't be applied to anything regarding Obamacare.
    HCSH cumulative point differential by quarter:

    231 522 654 -54

  13. #28
    Super Moderator PawDawg has a reputation beyond reputePawDawg has a reputation beyond reputePawDawg has a reputation beyond reputePawDawg has a reputation beyond reputePawDawg has a reputation beyond reputePawDawg has a reputation beyond reputePawDawg has a reputation beyond reputePawDawg has a reputation beyond reputePawDawg has a reputation beyond reputePawDawg has a reputation beyond reputePawDawg has a reputation beyond repute PawDawg's Avatar
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    Re: Theoretical Question

    Quote Originally Posted by theprofessor View Post
    Depending on the type of diabetes and the severity, yes, getting diabetes could very well break you. A vial of insulin costs roughly $300. I have a prescription for three vials per month. That's $900 per month, or $10,800 per year. (I pay $55 per month with my insurance.) That's not counting the costs of testing supplies and pump supplies, etc. Without my insurance, I would be broken pretty quickly as a diabetic.
    Not insurance.
    HCSH cumulative point differential by quarter:

    231 522 654 -54

  14. #29
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    Re: Theoretical Question

    Quote Originally Posted by PawDawg View Post
    Not insurance.
    OK, now I am intrigued.

    I guess "insurance" is protection from unknown future losses, so maintenance health care cost reimbursement is really not insurance. So would you call this pooled cost sharing?

    Do you not think this should be part of an insurance program?

  15. #30
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    Re: Theoretical Question

    Quote Originally Posted by PawDawg View Post
    No the rates have never been based on actuarial tables, because this was never insurance. Logic can't be applied to anything regarding Obamacare.
    doesn't have anything to do with actuarial tables. if the people who aren't using it stop paying for it, everyone else has to pay more.

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