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Question for Americans: does medical insurance tied to employment still seem like a good idea?  

IVFalternative 53M
244 posts
4/4/2020 9:35 pm
Question for Americans: does medical insurance tied to employment still seem like a good idea?

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Following my advice may cause injury, insanity, financial loss, hemorrhoids, death and superpowers


IVFalternative 53M
630 posts
4/4/2020 9:36 pm

It has always seemed to me that being dependent on your employer for medical care served no other purpose than to inrease the power your corporations have over you.

Now with mass unemployment during a pandemic do you finally see how phenomenally stupid this idea is?

Following my advice may cause injury, insanity, financial loss, hemorrhoids, death and superpowers


IVFalternative 53M
630 posts
4/4/2020 10:57 pm

    Quoting  :

That's what guillotines are for.

Following my advice may cause injury, insanity, financial loss, hemorrhoids, death and superpowers


ltrskr 75M

4/5/2020 12:00 am

Purchasing healthcare on ur own is very expensive! It has been years since I had to do that but is was 3 times company insurance!
I think most corporations require to buy theirs.
The whole system is a rip off, Obama Care was supposed be cheap "NOPE" and it never worked. The Democraps want it because they will take most of the money and nobody will have insurance..........


SeeksCams 61M

4/5/2020 12:07 am

I'm in Australia, but a former Shift Manager of mine worked for a few years in Omaha. She took a few days off for annual leave and went to New York. While there, she slipped in the hotel bathroom and fractured some vertebrae.

She rang HR and asked if she was covered. They told her that because she was out-of-state she was only covered for her time in Emergency. Not being flush with money, she took herself back by plane to Omaha, and then went to get treated. She still has a limp after some 10 years.

To paraphrase Lou Reed in "The Dirty Boulevarde"..."somewhere a health fund executive is laughing till he wets his pants".


IVFalternative replies on 4/5/2020 12:16 am:
Yeah I'm Aussie too. Health care in the US always sounds like a nightmare to me.

IVFalternative 53M
630 posts
4/5/2020 12:13 am

    Quoting ltrskr:
    Purchasing healthcare on ur own is very expensive! It has been years since I had to do that but is was 3 times company insurance!
    I think most corporations require to buy theirs.
    The whole system is a rip off, Obama Care was supposed be cheap "NOPE" and it never worked. The Democraps want it because they will take most of the money and nobody will have insurance..........
I live in Australia. Medicare for all citizens here. It isn't the disaster your frre market scaremongers would have you believe, it takes the insurance company middlemen out of the picture and simplifies the system.

People don't overwhelm the health system because it's free, we mostly hate going to the doctor. The government actually has advertising campaigns to convince people to have common problems dealt with early, which is cheaper than waiting until the problem becomes bad enough for people to go to the doctor of their own accord.

Following my advice may cause injury, insanity, financial loss, hemorrhoids, death and superpowers


ltrskr 75M

4/5/2020 1:36 am

You live in Australia why r u even asking about our insurance? Things r a lot different here than in Australia, not saying one is good or bad, apples to oranges......DUH!


IVFalternative 53M
630 posts
4/5/2020 5:06 am

    Quoting ltrskr:
    You live in Australia why r u even asking about our insurance? Things r a lot different here than in Australia, not saying one is good or bad, apples to oranges......DUH!
People sometimes comment on things outside their local area. Deal with it.

Things are indeed a lot different, that's my point. They don't have to be though, you could also have a reasonably priced universal health care system. All you have to do is choose reason and logic over political party loyalty.

The fact that even in the middle of a pandemic with mass unemployment you still can't bring yourself to admit how flawed your system is doesn't bode well.

Following my advice may cause injury, insanity, financial loss, hemorrhoids, death and superpowers


redrockrascal 65M
23580 posts
4/5/2020 6:36 am

IMO insurance, as it is currently run, is a scam supported by politicians who get paid by insurance companies. We give our money to be held by the company and have to nearly die to pay med bills. Meanwhile the insurance execs get paid millions to "lobby" politicians.

When the going gets weird, the weird turn pro.

The only thing we have to fear is fear itself.


IVFalternative replies on 4/5/2020 12:39 pm:
Guillotines, Red, guillotines.

positively4you 74F  
4605 posts
4/5/2020 7:16 am

My employer insurance since I was 18 has been wonderful. Inexpensive, good doctors and healthcare, convenience and timeliness and good outcome. And I know not everyone can get that here. Government insurance may be the answer for some, but I would like to have that choice. Private insurance or govt run insurance. The all or nothing is not appealing to everyone.


IVFalternative 53M
630 posts
4/5/2020 1:00 pm

    Quoting positively4you:
    My employer insurance since I was 18 has been wonderful. Inexpensive, good doctors and healthcare, convenience and timeliness and good outcome. And I know not everyone can get that here. Government insurance may be the answer for some, but I would like to have that choice. Private insurance or govt run insurance. The all or nothing is not appealing to everyone.
In the face of a pandemic "I've got mine" doesn't cut it.

There are still private medical practices, private hospitals and private insurance here but the private system is in addition to the public system, not a replacement. Anybody can get treated at a hospital, if you want a room to yourself you go private, for example.

If you choose private cover you don't have to pay twice, medicare still pays for the treatment, extras are paid by your private insurance.

A few years ago here on the blogs an American man blogged about his heart condition, how he had delayed treatment because he couldn't afford it, only to find out later he was covered by Obamacare but didn't realise it because your system is so confusing.

Us Australians are appalled when we hear stories like that from the US. If he was Aussie he would have just gone to the doctor. Your system belongs in a dystopian horror film, not a civilized country.

Following my advice may cause injury, insanity, financial loss, hemorrhoids, death and superpowers


positively4you 74F  
4605 posts
4/5/2020 5:37 pm

In addition to public system is what I mean. Here it seems to be either or.
All govt run with no choices is the scary part for most of us. And negligence, delays and mistreatment do occur with any system.


IVFalternative 53M
630 posts
4/5/2020 9:22 pm

    Quoting positively4you:
    In addition to public system is what I mean. Here it seems to be either or.
    All govt run with no choices is the scary part for most of us. And negligence, delays and mistreatment do occur with any system.
Yes I've seen enough government screw ups and corruption to also be wary, yet healthcare is something that the government does better than the private sector IMO. Still I wouldn't want it to be my only option either.

I remember when medicare was brought in here my father opposed it on the basis that if health care was free the system would be overwhelmed by people going to the doctor for frivolous reasons. It turns out in hindsight that he was wrong.

As I said in another reply we have advertising campaigns to convince people to get early diagnosis and treatment for common ailments. Most people don't like going to the doctor, but in medicine as with many things a stitch in time saves nine. Every obstacle that delays people going to get treatment increases the cost of health care.

Following my advice may cause injury, insanity, financial loss, hemorrhoids, death and superpowers


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