How Many States Alreday Offer Insurance for Pre X
- Thread starter bpenn9
- Start date
- 11,997
You're really just being thick about this. What you seem to either be missing or intentionally disregarding is that there are literally millions of americans who do not have access to healthcare simply because it's not affordable. I agree with you completely about a high deductible plan vs copay plan, but that's not what we're talking about. The point that's being brought up is that if someone doesn't have health insurance because they can't afford it, the cost of a doctors visit can easily be as much as have a months premium or more, especially if they run any diagnostics or get any drugs. We're talking about folks making less than $30k/year or less than $40k/year with a family. Incomes can even be higher than that, but we're talking about folks that would be choosing between grocery money and paying health insurance premiums. According to the most recent numbers this accounts for approximately 43% of this country. Household income in the United States - Wikipedia, the free encyclopedia.
REPOST
I'll show you 100 or 1,000. When do you want to come up to NY? There are plenty of other places it's exactly the same. ****When are you going to take me up on this? There are TONS of americans that are the working poor that do not have access to a taxpayer or charity funded clinic or medicaid. You're making it too easy on me to say minimum wage, I can do much better than that. Just because you want to shoot of your mouth and say it doesn't exist doesn't mean you're right. Again, there are literally millions of americans who can barely afford to pay basic bills, let alone pay for health insurance. You're living in a fantasy world if you think anyone who wants to work can find a job and anyone who can find a job and live within reason can afford to pay for health insurance and the "network negotiated rate" at their doctors office.
Last edited:
- 2,024
Tennessee has CoverKids, CoverTN (employer or self employ based and currently closed enrollment), and AccessTN (risk pool have to have 2 denial letters to qualify). Our programs here are pretty decent really, as long as you make about 25k a year, which is near our state's median income.
And I can show you a lot of people in Tennessee with no access to Medicaid. Minimum wage is enough income to knock you off it here. Actually right now if you're above 18, do not have breast or cervical cancer, are not disabled, they kicked everyone off the program for lack of funding. I've looked for charity and government assisted care for low income students that accidentally got pregnant, until last month they had enrollment for that from the state closed. I've sent people the info for SSD disability qualification because they were uninsurable but could not afford the risk pool because they were disabled but at the same time could not qualify for medicaid here (tenncare) because they made minimum wage.
Its a really ignorant generalization that all low income have access to affordable care. They absolutely do not in my state. A lot of people here that I personally know would have their situation improved by not working at all and collecting food stamps, families first, and tenncare.
IMO the current system punishes people for trying, and that is stupid.
I've been moving a ton of people that were medicaid, a lot of them full SSD disabled under 65s into MA plans because they got dropped into basic medicare and they cannot buy a med supp here in Tennessee. I'm secretly hoping that the MA policies get canceled this year and I can move them into a SEP enrollment Med Supp and skirt the age rule because of cancellation of plan making them GI.
And I can show you a lot of people in Tennessee with no access to Medicaid. Minimum wage is enough income to knock you off it here. Actually right now if you're above 18, do not have breast or cervical cancer, are not disabled, they kicked everyone off the program for lack of funding. I've looked for charity and government assisted care for low income students that accidentally got pregnant, until last month they had enrollment for that from the state closed. I've sent people the info for SSD disability qualification because they were uninsurable but could not afford the risk pool because they were disabled but at the same time could not qualify for medicaid here (tenncare) because they made minimum wage.
Its a really ignorant generalization that all low income have access to affordable care. They absolutely do not in my state. A lot of people here that I personally know would have their situation improved by not working at all and collecting food stamps, families first, and tenncare.
IMO the current system punishes people for trying, and that is stupid.
I've been moving a ton of people that were medicaid, a lot of them full SSD disabled under 65s into MA plans because they got dropped into basic medicare and they cannot buy a med supp here in Tennessee. I'm secretly hoping that the MA policies get canceled this year and I can move them into a SEP enrollment Med Supp and skirt the age rule because of cancellation of plan making them GI.
- 10,830
Whats that??
_________________________________
One time I messed up and had a gap in health insurance because of a mess up with the company I worked at. I didnt realize it until after the fact, and never could get it worked out.
My kid had a routine doctors appointment during that time and had immunization shots and lab work.
When the insurance was declined I got a bill for $1000 for the visit.
Thankfully I was in a position to pay it off over a couple of months. But that would be more than half of most low income families monthly paycheck, thats just unrealistic to pay if they did not have health insurance.
A lot of families in that position would simply not pay and let it hit their credit report, continuing the credit problems of us americans.
Routine office visits run less than $60 for those with insurance (an no copay). If you have no insurance you can go to a doc in the box for about the same price, or negotiate with your doc for a cash payment that will probably be in the $80 range.
No reason to expect a health insurance agent to know that information.
If you live in Grainger county TN you might have to drive closer to Knoxville to find a doc in the box or CVS with an onsite primary care office.
For those who want to help out the uninsured, here is an entire page of resources.
No reason to expect a health insurance agent to know that information.
If you live in Grainger county TN you might have to drive closer to Knoxville to find a doc in the box or CVS with an onsite primary care office.
For those who want to help out the uninsured, here is an entire page of resources.
- 10,830
If you have a kid or two you can count on more than just the two routine wellness visits that are subsidized by your insurance plan. Then your looking at bills well over $100 per visit. Plus prescriptions, time off of work, regular health insurance premiums, etc. etc. etc. Thats a lot to lower income families.
Dont get me wrong, health insurance works great for many people. Especially if they have a moderate income and are in moderate health.
If the health insurance markets where reduced to individual policies only with no government interference, they would work for people in moderate health with even lower incomes.
But there is a large part of our population that its not feasible for, this is why Obama wants to give tax money to these people to buy insurance with $3k or more deductibles that the people will never be able to afford to meet...
I would rather expand medicaid to the low middle class and people who are uninsurable than go ahead with what is proposed. Then we could have a true free market with health insurance.
- - - - - - - - - - - - - - - - - -
Also there is a greater point that most people in this country agree with.
In a country as culturally, financially, technologically sophisticated as ours; there should not be a need for website link such as the one you posted. We should be able to provide affordable health care to anyone and everyone that is truly sick or hurt, and health care includes prescriptions.
Dont get me wrong, health insurance works great for many people. Especially if they have a moderate income and are in moderate health.
If the health insurance markets where reduced to individual policies only with no government interference, they would work for people in moderate health with even lower incomes.
But there is a large part of our population that its not feasible for, this is why Obama wants to give tax money to these people to buy insurance with $3k or more deductibles that the people will never be able to afford to meet...
I would rather expand medicaid to the low middle class and people who are uninsurable than go ahead with what is proposed. Then we could have a true free market with health insurance.
- - - - - - - - - - - - - - - - - -
Also there is a greater point that most people in this country agree with.
In a country as culturally, financially, technologically sophisticated as ours; there should not be a need for website link such as the one you posted. We should be able to provide affordable health care to anyone and everyone that is truly sick or hurt, and health care includes prescriptions.
Last edited:
- 244
You know what this whole "fix" reminds me of taking a page from the 1970's?
Can you spell HMO?
Can you spell HMO?
