Golden opportunity
- Thread starter WesleyRocks
- Start date
barmpot
LOTSW Fanatic
Just glad that we have the NHS still free at point fo need although the original concepts of totallly free (back in 1948) have long gone with charges for prescriptions, dental and eye care coming in within a very shortr space of time.
Of course the original concept was that when everyone was made as well as they could be the demand would slacken off. It did not for two reasons.
The amount of health care needs was woefully underestimated - an example is spectacles. Many people struggled with poor sight but did nothing about it as they could not afford to, and many jobs did not require the ability to read in those days. When free spectacles were available then the rush was so great that charges were very soon introduced.
The second reason was that in the early 1950s big advances were being made in medicine and so many more people could be treated which drove up demand.
Of course the original concept was that when everyone was made as well as they could be the demand would slacken off. It did not for two reasons.
The amount of health care needs was woefully underestimated - an example is spectacles. Many people struggled with poor sight but did nothing about it as they could not afford to, and many jobs did not require the ability to read in those days. When free spectacles were available then the rush was so great that charges were very soon introduced.
The second reason was that in the early 1950s big advances were being made in medicine and so many more people could be treated which drove up demand.
WesleyRocks
Dedicated Member
My wife took the job she has now because of healthcare. We'd just had our first child and she lost her job(downsizing), she took a huge pay cut but we had free (except the co-pay) healthcare.
It has been good, she started at ground level and has moved up in the company and now is sort' of a big wig. She loves helping people and the company and very personable. Not the Evil
HMO's you hear about on the TV.
They are consistently one of the top healthcare organizations in the country and with very low overhead.
Her boss was asked to meet with Barack about how they have been so successful and such, something to do with setting up our healthcare system?????
If I had to pay for healthcare through the company I work for we would be done for. It would be close $900.00 a month to cover a family of 4.
I'm very thankful for what I have, and all the long hours she puts in to make them successful.
Although,,, I do use up some healthcare as much as I get hurt :me:
It has been good, she started at ground level and has moved up in the company and now is sort' of a big wig. She loves helping people and the company and very personable. Not the Evil
HMO's you hear about on the TV. They are consistently one of the top healthcare organizations in the country and with very low overhead.
Her boss was asked to meet with Barack about how they have been so successful and such, something to do with setting up our healthcare system?????
If I had to pay for healthcare through the company I work for we would be done for. It would be close $900.00 a month to cover a family of 4.
I'm very thankful for what I have, and all the long hours she puts in to make them successful.
Although,,, I do use up some healthcare as much as I get hurt :me:
My wife took the job she has now because of healthcare. We'd just had our first child and she lost her job(downsizing), she took a huge pay cut but we had free (except the co-pay) healthcare.
It has been good, she started at ground level and has moved up in the company and now is sort' of a big wig. She loves helping people and the company and very personable. Not the Evil
They are consistently one of the top healthcare organizations in the country and with very low overhead.
Her boss was asked to meet with Barack about how they have been so successful and such, something to do with setting up our healthcare system?????
If I had to pay for healthcare through the company I work for we would be done for. It would be close $900.00 a month to cover a family of 4.
I'm very thankful for what I have, and all the long hours she puts in to make them successful.
Although,,, I do use up some healthcare as much as I get hurt :me:
Blimey thats over £500 a month!!
WesleyRocks
Dedicated Member
Exactly,
Most people,here at my work, simply go without insurance and hope they don't get sick. If they do, then they go to a "walk-in clinic" and just pay cash for the services.
Doctor's visit runs about $150-$300 and then if you need a prescription that would be extra. Some pharmacies here in Florida, (if it is an antibiotic) have generic and it is like $7.
I read things like that and thank you Universe for the NHS, it must be scary when you have kids and no insurance. My girls were always banging their heads and having stitches I shudder to think what would have happened if we didn't have the money to get them treated.
WesleyRocks
Dedicated Member
Yes, I have it good, many don't.
About 2 months ago ( which I didn't tell you all, sorry) I knocked my head. I was working in my shop and I guess I raised up too quick and walloped my head.
I don't remember what happened, in fact, I don't remember anything that happened for about 20 minutes before and about 10 minutes after.My wife was in the pool and heard a loud bang follow by a curse word and then she found me with my shirt over my head and covered in blood. Not sure why my shirt was over my head??
My wife had a good giggle when I told her I hit my head on the bug zapper. I put that up for them about 20 minutes before hitting my head. It was the last thing I remembered. I also walked to my neighbor's house (because I knew she was a retired nurse) and told her a bunch of stuff that I don't remember. (my wife went in to call the doc and change from her bathing suit) I guess I just wondered off waiting for her?
I ended up with only 8 stiches (they wanted to do staples and I said no way) and a very nice concussion. I have had them in the past but never lost memory. Lost consciousness before,but not memory. Felt very nauseous for a couple days.
Got a nice scar, "girls dig scars!!!" hehe :respect:
Anyway! off on a story, sorry.
The cost was $25.
If I didn't have insurance it would have been in the hundreds maybe even close to $1000.
It is sad really and I wish this new system was better than it is. From what I hear, you still have to pay and there is a market place where insurance companies compete over your business. My wife's company is not in the "market place" yet, they want to wait till the bugs are worked out first, then possibly join.
Another thing is that if you don't choose an insurance company the IRS will fine you personally. If folks can't afford insurance, they can't afford insurance, I'm not sure how fining them is going to help?? I think they will just ignore the fine and they get fines on top of fines, which make their situation worse.
? Don't know the answer. Sad really
__________________
Compo: Why is he trying to whip me with that stick Norm?
Clegg: Cause he hasn't anything heavier?
Yes, I have it good, many don't.
About 2 months ago ( which I didn't tell you all, sorry) I knocked my head. I was working in my shop and I guess I raised up too quick and walloped my head.
I don't remember what happened, in fact, I don't remember anything that happened for about 20 minutes before and about 10 minutes after.My wife was in the pool and heard a loud bang follow by a curse word and then she found me with my shirt over my head and covered in blood. Not sure why my shirt was over my head??
My wife had a good giggle when I told her I hit my head on the bug zapper. I put that up for them about 20 minutes before hitting my head. It was the last thing I remembered. I also walked to my neighbor's house (because I knew she was a retired nurse) and told her a bunch of stuff that I don't remember. (my wife went in to call the doc and change from her bathing suit) I guess I just wondered off waiting for her?
I ended up with only 8 stiches (they wanted to do staples and I said no way) and a very nice concussion. I have had them in the past but never lost memory. Lost consciousness before,but not memory. Felt very nauseous for a couple days.
Got a nice scar, "girls dig scars!!!" hehe :respect:
Anyway! off on a story, sorry.
The cost was $25.
If I didn't have insurance it would have been in the hundreds maybe even close to $1000.
It is sad really and I wish this new system was better than it is. From what I hear, you still have to pay and there is a market place where insurance companies compete over your business. My wife's company is not in the "market place" yet, they want to wait till the bugs are worked out first, then possibly join.
Another thing is that if you don't choose an insurance company the IRS will fine you personally. If folks can't afford insurance, they can't afford insurance, I'm not sure how fining them is going to help?? I think they will just ignore the fine and they get fines on top of fines, which make their situation worse.
? Don't know the answer. Sad really
__________________
Compo: Why is he trying to whip me with that stick Norm?
Clegg: Cause he hasn't anything heavier?
So if you don't have money for health insurance you get fined?? Wow.. Isn't that a fine for being poor?
PS That sounds like a nasty concussion, glad you're ok now and mind your head in future
You don't need to bang your brains out old age will take of that ;D;D
Marianna
Dedicated Member
In theory, people who can't afford insurance premiums, and who apply for the subsidy to cover them, are supposed to get the subsidy. That covers most or all of the premiums, depending on income and other factors, and one is insured, so there's no fine. To my knowledge, I don't know anyone who is eligible for a subsidy, so I have no idea how well that part of the law is working.
Marianna
brendalovescompo
Dedicated Member
You guys have Publix down there don't you Wesley? I think they give specific antibiotics for free. Not all of them, just the basic, but I got a script once and didn't have to pay.
brendalovescompo
Dedicated Member
My sister and her husband do not have health care, but because they are low income, you can get medicaid for the kids. So all of them have had coverage since birth. The only problem is finding a Dr. that will take them. When she had #3 (the accident, her tubes were tied!! OOPS)
, I was calling around to find a pediatrician for her and she had to drive 35 miles.
brendalovescompo
Dedicated Member
Another thing is that if you don't choose an insurance company the IRS will fine you personally. If folks can't afford insurance, they can't afford insurance, I'm not sure how fining them is going to help?? I think they will just ignore the fine and they get fines on top of fines, which make their situation worse.
? Don't know the answer. Sad really
__________________
Compo: Why is he trying to whip me with that stick Norm?
Clegg: Cause he hasn't anything heavier?
It is not going to help them you are right, but if you have a refund coming to you , forget it because the government will take it. I wonder if they will go as far as garnishing wages to get their money? I hope not. It is a sad situation.
WesleyRocks
Dedicated Member
Yes we do and you are correct. It is a nice service they provide.
WesleyRocks
Dedicated Member
My father needed a triple bypass heart surgery when I was 17, at that time 1990, he went in and did the stress test , failed it, and then had the surgery.
The total cost out of our pocket was $5,
Now, co-pays have went way up.
On our insurance, to go to the ER, it is $250. specialist $40, and the regular doc is $15, unless it is after hours then it is $25.
What I hate is if you have a surgery, say, what I need right now, knee surgery, it is $15 to have the surgery. But what kills me is, to go to the physical therapist you have to pay $40 each time(specialist). With my shoulder surgery, they wanted to see me twice a week. So $80 bucks a week, too much, I did it to get better with the shoulder, but I think I'll hobble around for a while before getting the knee done.
The total cost out of our pocket was $5,
Now, co-pays have went way up.
On our insurance, to go to the ER, it is $250. specialist $40, and the regular doc is $15, unless it is after hours then it is $25.
What I hate is if you have a surgery, say, what I need right now, knee surgery, it is $15 to have the surgery. But what kills me is, to go to the physical therapist you have to pay $40 each time(specialist). With my shoulder surgery, they wanted to see me twice a week. So $80 bucks a week, too much, I did it to get better with the shoulder, but I think I'll hobble around for a while before getting the knee done.
Beth
Dedicated Member
I remember those low co-pays. Now I have a $2,500 deductible. I might as well not have insurance. I have hospital bills that will be paid in low monthly payments for the next 5 years more than likely. Ridiculous!
Marianna
Dedicated Member
If the knee surgery is a joint replacement, and if you start 'prehab' exercise a year or more in advance, you'll substantially shorten the post-op physical therapy. I did that when I had a hip joint replaced and needed very little PT afterward. Found the exercises on the internet.
Marianna
brendalovescompo
Dedicated Member
WOW, That is a lot. My husband had his shoulder replaced. He had therapy 3 days a week. Thank God they pay 100% of therapy, though they only gave him 26 visits and had to wait until Jan to have the rest. He was almost finished anyway. They said he would be 100% in about a year. Lets try 3. He is going on year 4 and hasn't really complained in about a year. They want to do the other one he said "%#$@ NO".