Private Health Insurance Plans - Feel Free To Spam Me

Actually your advice not to get insurance is terrible! IF something major happens, you can say goodbye to your CASH.
Subigo said he can't get it, so he may have a pre-existing condition which deals him out. Insurers don't want you, or will deny treatment for the most vague and bizarre reasons. Whatever they can get away with.

I'm getting off my couch today, and going to a health care rally at a politician's office about 30 miles away to advance reform.
 


So what is your plan of action when your doctor tells you that you have cancer?

The same plan of action that millions of Americans have. Don't let the Michael Moore's of this world scare you. 99% of the time you see some bleeding heart on TV yacking about how "I'm dying and they won't pay" the procedure is not gonna cure/help them anyway.

There are gov't (state and fed) programs that come into play when folks can't afford lifesaving treatment. Don't be so socialist.

I have full coverage for my entire family, but I still negotiate the fuck out of doctors/providers.

Got a dentist bill down from $160 to $45 just last week. What did I say when I booked the appt?? "I'd love to keep coming here but Dr. so-and-so has the same services for $40 cash upfront, can you match that?". Done deal.
 
On the subject of cash vs. insurance, while you may be able to bargain fees down with your doctor, if you ever need outpatient care or services like blood tests, x-rays, etc. or you end up in the hospital, not only will you be paying for everything yourself, but also you will be paying much more than an insurance company would because you don't have any collective bargaining power.
 
Thanks for all responses. It's a little involved 'cause I want to change to something that has better "international emergency" options. There's also the tax consequences which I am trying to way.

eInsurance was a nice site - tx!
 
On the subject of cash vs. insurance, while you may be able to bargain fees down with your doctor, if you ever need outpatient care or services like blood tests, x-rays, etc. or you end up in the hospital, not only will you be paying for everything yourself, but also you will be paying much more than an insurance company would because you don't have any collective bargaining power.


Not sure if that's the case or not in the US, but it's not in the UK (probably because we have the option of free healthcare) - I did some work once for a private medical company, and they had one rate for insured, and one rate for someone paying out of their own pocket. The insured rate was 50% higher.
 
PUNKED

Bad advice, an average doctors visit could end up costing you $2k and if god forbid you have a bad accident and have to stay in the hospital your looking at $75k+.

Dude 2k a visit were the fuck are you from? It costs me like $120 max before money back! I think your doctor is punking you, how does it feel?
 
When I said $2k I didn't mean just a regular check up, I was referring to when you have a check up and the doctor requests you to get some x-rays, blood work, and something like an MRI which happens a lot if they find something that concerns them. I actually had a friend who went into his doctor and didn't have insurance and had these tests because the doctor thought he was having kidney problems. His bill came up to just a little less than $2k and they gave him a clean bill of health.
 
For those who are interested in how a health care system *could* run, Ron Paul gives a real-life example in his book "The Revolution: A Manifesto" (pp. 89-90).

The gist...

A doctor in Tennessee doesn't accept any insurance from patients. No Medicaid, Medicare, or private insurance. His clinic accepts cash. Only cash.

The result? Low prices; they're usually lower than co-payments paid by the insured for routine visits elsewhere. Plus, his clinic sees everybody on the same day without appointments. That includes a lot of low-income folks. Less worry about billing and collecting, and more time spent seeing patients.

That's not an argument for completely eschewing insurance. Catastrophic coverage definitely has a place (and prices should reflect demand). But, Paul makes a great case for how the landscape of health care *could* look - and at one time not so long ago, did.

Cash plus catastrophic coverage. Makes sense to me.
 
Thanks for all responses. It's a little involved 'cause I want to change to something that has better "international emergency" options. There's also the tax consequences which I am trying to way.

eInsurance was a nice site - tx!

Whatever you choose riddarhusegal, look into Health Savings Accounts if you are income eligible. They are an excellent tax shelter since you pay for pretty much anything with pre-tax money.
 
That CNN article was a bunch of nonsense.

It's very easy to see a specialist in Canada. All you've got to do is say these simple words, "Can you call me if there's a cancellation?".

My wife got an Endocrinologist in 24hrs and a CT scan in 12 hours.

Since Canadians get free healthcare, we're notorious for missing appointments as we know we'll always have insurance and there's rarely ever a penalty if we don't show up.

Because we have socialized medicine, people need to be a little flexible here and there, but at least I never had to pay for the tests, specialists and surgery we had to go through that would have easily been over $100K.
 
That CNN article was a bunch of nonsense.

It's very easy to see a specialist in Canada. All you've got to do is say these simple words, "Can you call me if there's a cancellation?".

My wife got an Endocrinologist in 24hrs and a CT scan in 12 hours.

Since Canadians get free healthcare, we're notorious for missing appointments as we know we'll always have insurance and there's rarely ever a penalty if we don't show up.

Because we have socialized medicine, people need to be a little flexible here and there, but at least I never had to pay for the tests, specialists and surgery we had to go through that would have easily been over $100K.

I admit, CNN does put out laughably bad stuff. And I apologize for seeming to build a case around one of their articles. A lack of time is no excuse, but there it is.

That said, if were truly as easy for every person to see a specialist as you personally experienced, would this woman not have done so? Am I overly cynical to suspect your experience is not true across the whole of Canada?

My larger issue - and I apologize again for what will be a poor effort in making my case - is that the central state cannot be as efficient as the free market. There is no evidence to suggest otherwise with regard to health care. Instead, there is already immense waste being proposed.*

Source: Cafferty File: Tell Jack how you really feel Blog Archive - Should health care legislation contain billions for parks, walking paths and farmers markets? - Blogs from CNN.com

And it will not stop. In a recent article, Peter Schiff mentions that Medicare was started in 1966. At the time, the program cost $3 billion to maintain. It was estimated the program would cost $12 billion by 1990. Instead, by 1990, it cost $107 billion.*

Source: Double Whammy by Peter Schiff

This is what I expect of our central state with regard to health care. They will never get it right. They cannot get it right. Instead, they will make bad estimates, waste resources, and further push us into an economic calamity. Meanwhile, I fear people will put more trust into the machine without realizing the long-term economic cost.

Imagine the folks behind Amtrak, the DMV, VA hospitals (good example there), and other inefficient enterprises making decisions about who gets what procedure and when.

I'm very glad to hear that your wife received the help she needed as quickly as she did. That is a fantastic experience. However, I fear it will not be the experience of most U.S. citizens.
 
In Canada no one gets health care that's on par with the US, no one. That's a nationwide problem that can't be solved with free health care.

LOL, jump the shark much?

The above is patently untrue, but you've clearly got all the evidence you need outside of, ya know, actual firsthand experience.
 
Ron Paul of course will never get elected president but I think many should take his ideas because he seems to have a lot of good ones. I think universal health-care done right can be good and if its done in a stupid way that our government is accustomed to it could be a disaster.
 
It dosn't matter how much it cost you when it comes to health matters... as long as your healthy it is ok to spend money, am I right?
 
All rep points given out - promptly researched suggestions not just on providers but tax issues as well. This was a nice practical thread not really interested in politics this time around :P
 
LOL, jump the shark much?

The above is patently untrue, but you've clearly got all the evidence you need outside of, ya know, actual firsthand experience.

Well umm, ya know, I guess being Canadian and with first hand experience isn't enough for you?

Maybe it's different in Ontario but Quebec is a mess.