User Panel
Quoted: Honestly it's the one thing I agree with democrats about at this point We neither have the votes nor the balls in the GOP to undo to last 50+ years of government interference in healthcare. There is zero chance we will every reduce health insurance or premium costs in any reasonable way with the government controlled insurance system. It's just a fact at this point that m4a is a better deal for everyone. The taxes would be cheaper than premiums. You'd no longer be held hostage at a job you hate because you have good insurance. You could demand raises in place of what your premiums were which would be more than the tax you'd pay for m4a. Yes care is rationed sometimes but never for serious issues in places where they have it. Plus it's already rationed to some extent because people can't fucking afford it by the millions and we have been driven Into high deductible plans that still make us come out of pocket thousands of dollars on top of the thousands we spend for premiums We lost the fight on affordable free market healthcare a long time ago and there's no going back to it. For sure it would be better than m4a but it's never gonna fucking happen and m4a is better than the shit show we have now. A larger number of people realize this every year as premiums keep rising and plans get shittier. M4a will happen within a decade or two. When you see it coming be a part of making it responsible otherwise the democrats will write all the rules of it and it won't be as good as it could be View Quote Yeah no thanks. I pay zero premiums and have a $600.00 deductible. Then it goes to 90/10 coverage with a max out of pocket of $3500.00 a year. |
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Quoted: Expecting a toothless Federal government because you think that states should dominate the political marketplace is not realistic. It has nothing to do with big brother government. It has to do with government having the resources and funding it needs to function to perform the tasks that society expects it to perform. A Federal government chopped down in size by 80% would not be able to perform its taskings. You might not like a lot of what the Feds do, or any level of government for that matter, but society as a whole has said that they expect government to fulfill certain functions. View Quote "Society" expects the Federal Government to keep us safe from foreign enemies and engaged in the global marketplace. They never gave the Federal Government a blank check to run healthcare. That function should be reserved for the States. What you describe as societal expectations have been usurped by the Federal Government beyond what the Constitution allows when strictly interpreted. Americans have plenty of evidence that Federal Government involvement in domestic affairs (education, healthcare, housing, welfare) makes things worse in the longterm. |
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Quoted: I think a lot people who lean towards are people who have had a bad experience being burdened with medical bills. I'll give a recent example . I had to go and get the series of rabies vaccines . I have health insurance but I can imagine if you had a poor plan or none at all . The total bill for the shots and ER visit because that's the only place in a hospital they do it was $13, 545 .00 My insurance paid something like $12,400.00 but you receive separate bills in the mail. ER, lab, room fee which I was in for 30 minutes Then doctor fee . It was a bunch You think the billing is done then every week you receive another bill in the mail . I have no clue how much receiving a rabies vaccine should cost but I googled what is used in it and it's pretty close to the same one my dog gets for $80 dollars View Quote What is fair market value for getting treatment for prevention of a viral illness with almost 100% mortality? Is it worth as much as an F-150 truck with all the trimmings? |
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Quoted: That first post nails it thing. That I get charged 10k but my insurance pays 400 dollars because of an under the table agreement is absolute and total bullshit. View Quote View All Quotes View All Quotes Quoted: Quoted: Well, health insurance companies are a scam, in collusion with the .gov and the hospitals and pharmas. That first post nails it thing. That I get charged 10k but my insurance pays 400 dollars because of an under the table agreement is absolute and total bullshit. You have no clue how insurance works and the games hospitals play. |
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Quoted: Yeah no thanks. I pay zero premiums and have a $600.00 deductible. Then it goes to 90/10 coverage with a max out of pocket of $3500.00 a year. View Quote Then you are being paid less in exchange for your employer paying what is likely >$1000/mo for that kind of coverage. The cheapest, shittiest coverage you can get these days is like $300/mo. The whole problem is that insurance has come to rule the marketplace, and no longer is actual insurance. That is, real insurance is meant for covering rare, often unexpected, and potentially expensive events. But you can no longer even purchase such plans in the heath sector, except on a limited short-term basis (which you are not allowed to continue indefinitely). The absurd expectation now is for insurance to pay for everything, which is exactly why we find ourselves in the mess we're in. Moving even further into that model makes things worse, not better. Unfortunately, without a major societal shift, the necessary changes will likely never be made - the return to just paying for routine work and having insurance for the big things. People have been so convinced by propaganda that they refuse to acknowledge that they are actually paying more - either directly, or indirectly in the form of lower wages - than they would if going back to that type of model. |
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Quoted: You have no clue how insurance works and the games hospitals play. View Quote There are dedicated specialized positions just for billing in healthcare. Not AR/AP. Billing. I know of no other industry where their billing is so fucked up that they have specialized employees just to deal with it. |
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Quoted: Quoted: Quoted: Well, health insurance companies are a scam, in collusion with the .gov and the hospitals and pharmas. I dunno, I've never had issues with mine. I pay more for my car insurance and co-pays are all $20, which are rare anyway. Who pays the rest of your healthcare? My employer. Which brings up another question. Do people not take into account their employers health insurance when applying for jobs? |
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Some of you guys need a new employer, when looking at wages don't forget to look at overall compensation (benefits). Also seeing some socialists up in here.
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Quoted: People who are pushing the socialist healthcare bullshit? Apparently health insurance companies are all a scam. Medicare will save everyone with no downsides. I could roll my eyes so hard my neck would break. View Quote I say "yes I would like to biggie-size my fries, thanks!" |
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Quoted: Simple. Going to the doctor should be exactly like going to the DMV. And if you have any ability to pay, you get to pay for three or four other people. That's socialized medicine. There was some notable Canadian provincial minister that was put on a 6 month waitlist for heart surgery. He flew to Miami and waited only 4 days before they operated on him. View Quote That is not at all a notable or newsworthy event. In Canada, when someone has had been determined they need a bypass, The wait tends to range from three to nine months. Average is about six. Some have waited over a year. Many have literally, as in literally, for real, died of heart disease while waiting. I had a relative do exactly this in the 80s, and if you or someone you know is working a a northern medical center you see a lot of Canadians come down and get paid for by themselves procedures. I have relatives that have gone to Dartmouth, Burlington, and I can’t remember the name of the update New York Hospital. This is not like Americans going to get a cut rate liposuction, Brazil butt lift, etc. in a third world country, to save money on elective stuff. This is getting the CABG or hip replacement or MRI stuff you need, but are waiting months for. |
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Quoted: "Society" expects the Federal Government to keep us safe from foreign enemies and engaged in the global marketplace. They never gave the Federal Government a blank check to run healthcare. That function should be reserved for the States. What you describe as societal expectations have been usurped by the Federal Government beyond what the Constitution allows when strictly interpreted. Americans have plenty of evidence that Federal Government involvement in domestic affairs (education, healthcare, housing, welfare) makes things worse in the longterm. View Quote A cut of 80,% of the federal government would impact far more of government operations than just the various agencies you personally object to |
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Ask if they think the monopsony of the military industrial complex is getting good value for the people without waste and abuse? A process in which they think they have a voice or are valued?
Medicare for all is simply submitting yourself to the herd managers for them to do with as they please "for the greater good" |
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Quoted: Yup. Competition and limitations on liability would go a long way towards reducing costs. View Quote View All Quotes View All Quotes Quoted: Quoted: I'd say that, collectively, Americans are paying more for health care in-total than any nation on the planet but we still have a shitton of Americans who can't afford health care. I'd say that if we just spent the money we already spend on health care, but did it intelligently, we could provide health care to all, no problem. I'd say our failure to provide health care to all is costing all of us a huge amount of money in increased premiums, lost productivity and an generally inefficient, ineffective health care system. I'd say the ONLY people who support our ridiculous system are the people getting rich on it. That's what I would say. Yup. Competition and limitations on liability would go a long way towards reducing costs. Yeah, but not really. Insurance is already capped at making 20% That is a lot of money, but by the time you account for all the care to non-citizens, uninsured citizens, government insured patients, etc. 20% of private insurance is not a game changer. Tort reform is a minor percentage as well. We have unmentionable issues that will never be dealt with. Non-citizens not paying for their care here illegally and legally. 13% of the population accounting for 40% of the dialysis, HIV, and ever larger percentages of overall costs and trauma care. A significant non functioning population of people too fragile psychologically and cognitively eating a ton of care. Massive expenditures on addicts’ medical complications. Insane, futile, massive costs end of life care, end stage non survivable disease patients, and severe neonatal issues that no other country in the world goes full court press on. And the fact shootings, stabbing, assaults, motor vehicle trauma, overdoses, toxic exposures, burns, accidental ingestions, morbid obesity, non-compliance, and a ton of issues related to medical costs happen with way more frequency on the dumb side of the intelligence curve and way less frequently on the high side. This is the real foundation these massive costs are built on. |
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Generally, I change the subject.
It's not a conversation I'm eager to have in person. |
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I'm fine with this as long as you give me back the 45 years of SS I've already paid and the next 10-15 I will pay in (if I live that long).
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Quoted: I am a 70yr old boomer and see a crowd of young people drawing disability for things like sore elbows. It ain't about just boomers drawing off a toooo liberal system. Been paying into this system for 55yrs and most whiners I see are only in their 20's. Yes it needs a fix but if you take a good look around there is bigger fish to fry. View Quote Yeah, for under retirement age people, we have a massive population of SSDI/MC that have inflicted severe medical issues upon themselves eating a ton a care. We also have a large population of bullshit SSDI.Medicare. For retirement age people, We have sort of reached a tipping point. For decades, the recipients of Social Security, on average, received more than they ever paid in. You are right about at the age where people starting SS now, will, on average end up receiving less in SS payments than they paid in. But the real money issue is that, on average - people will have far, far, more money spent on them by Medicare than they ever paid in. |
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They tried to roll out Healthcare for 23 million and failed, ask any Medicare user,!they cannot even do that right and middleman are making a Lion share.
Really piss them off, say how about anyone without healthcare get a job and the employer can cover them. |
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Quoted: I'm fine with this as long as you give me back the 45 years of SS I've already paid and the next 10-15 I will pay in (if I live that long). View Quote View All Quotes View All Quotes Quoted: I'm fine with this as long as you give me back the 45 years of SS I've already paid and the next 10-15 I will pay in (if I live that long). You Should have voted harder. |
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Half the problem with the price of healthcare is the jury’s that give millions to the people and families of things that the Dr or hospital had nothing to do with the death. Ie women die in childbirth, or walk into hospital and drop dead, the hospital is at fault but never laid a finger on the person, but it is win the lottery time.
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The admins in the medical community along with the health insurance companies killed the goose that laid the golden egg.
If prices were reasonable; there would be no clamor for single payer. |
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Quoted: Wouldn’t need much of a VA if we didn’t send our young men & women to fight For profit wars. View Quote View All Quotes View All Quotes Quoted: Quoted: Quoted: These questions. Have they seen the VA ? How will you pay for it ? There is no right to healthcare. This. Untuck the VA first. Wouldn’t need much of a VA if we didn’t send our young men & women to fight For profit wars. This is an extreme minor area of expenditures. The bulk of the cost is on peoples’ strokes, heart attacks, heart failure, diabetes, dialysis, obesity, hypertension, COPD, liver failure, etc. that have somehow been “service connected.” |
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Quoted: Then you are being paid less in exchange for your employer paying what is likely >$1000/mo for that kind of coverage. The cheapest, shittiest coverage you can get these days is like $300/mo. The whole problem is that insurance has come to rule the marketplace, and no longer is actual insurance. That is, real insurance is meant for covering rare, often unexpected, and potentially expensive events. But you can no longer even purchase such plans in the heath sector, except on a limited short-term basis (which you are not allowed to continue indefinitely). The absurd expectation now is for insurance to pay for everything, which is exactly why we find ourselves in the mess we're in. Moving even further into that model makes things worse, not better. Unfortunately, without a major societal shift, the necessary changes will likely never be made - the return to just paying for routine work and having insurance for the big things. People have been so convinced by propaganda that they refuse to acknowledge that they are actually paying more - either directly, or indirectly in the form of lower wages - than they would if going back to that type of model. View Quote View All Quotes View All Quotes Quoted: Quoted: Yeah no thanks. I pay zero premiums and have a $600.00 deductible. Then it goes to 90/10 coverage with a max out of pocket of $3500.00 a year. Then you are being paid less in exchange for your employer paying what is likely >$1000/mo for that kind of coverage. The cheapest, shittiest coverage you can get these days is like $300/mo. The whole problem is that insurance has come to rule the marketplace, and no longer is actual insurance. That is, real insurance is meant for covering rare, often unexpected, and potentially expensive events. But you can no longer even purchase such plans in the heath sector, except on a limited short-term basis (which you are not allowed to continue indefinitely). The absurd expectation now is for insurance to pay for everything, which is exactly why we find ourselves in the mess we're in. Moving even further into that model makes things worse, not better. Unfortunately, without a major societal shift, the necessary changes will likely never be made - the return to just paying for routine work and having insurance for the big things. People have been so convinced by propaganda that they refuse to acknowledge that they are actually paying more - either directly, or indirectly in the form of lower wages - than they would if going back to that type of model. I make six figures working straight 40 hour weeks. |
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I think a lot of you don't realize how lucky you are to have a good plan or enough income to afford these ridiculous premium prices and still be able to save and invest for anything.
Enjoy your plans while you have them because you are becoming the minority in this country. Every year more and more people get priced out of quality care and coverage and we absolutely will have some form of single payer before long. You guys with a sweet deal just don't understand how fucked the current system is for millions of others and the GOP will never have the numbers or the balls to do anything to make it better. A plan for a family of four without an employer paying for it costs about 30 percent of the median income of this country. How long do you think you have before a majority votes for a ten percent tax in place of that outrageous price? Some of you will be upset you lost your "cheap plan" only because you won't be smart enough to demand a raise at work equal to what they were paying for your premiums. |
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Quoted: I make six figures working straight 40 hour weeks. View Quote View All Quotes View All Quotes Quoted: Quoted: Quoted: Yeah no thanks. I pay zero premiums and have a $600.00 deductible. Then it goes to 90/10 coverage with a max out of pocket of $3500.00 a year. Then you are being paid less in exchange for your employer paying what is likely >$1000/mo for that kind of coverage. The cheapest, shittiest coverage you can get these days is like $300/mo. The whole problem is that insurance has come to rule the marketplace, and no longer is actual insurance. That is, real insurance is meant for covering rare, often unexpected, and potentially expensive events. But you can no longer even purchase such plans in the heath sector, except on a limited short-term basis (which you are not allowed to continue indefinitely). The absurd expectation now is for insurance to pay for everything, which is exactly why we find ourselves in the mess we're in. Moving even further into that model makes things worse, not better. Unfortunately, without a major societal shift, the necessary changes will likely never be made - the return to just paying for routine work and having insurance for the big things. People have been so convinced by propaganda that they refuse to acknowledge that they are actually paying more - either directly, or indirectly in the form of lower wages - than they would if going back to that type of model. I make six figures working straight 40 hour weeks. |
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Quoted: I would have expected you know what total compensation means then View Quote View All Quotes View All Quotes Quoted: Quoted: Quoted: Quoted: Yeah no thanks. I pay zero premiums and have a $600.00 deductible. Then it goes to 90/10 coverage with a max out of pocket of $3500.00 a year. Then you are being paid less in exchange for your employer paying what is likely >$1000/mo for that kind of coverage. The cheapest, shittiest coverage you can get these days is like $300/mo. The whole problem is that insurance has come to rule the marketplace, and no longer is actual insurance. That is, real insurance is meant for covering rare, often unexpected, and potentially expensive events. But you can no longer even purchase such plans in the heath sector, except on a limited short-term basis (which you are not allowed to continue indefinitely). The absurd expectation now is for insurance to pay for everything, which is exactly why we find ourselves in the mess we're in. Moving even further into that model makes things worse, not better. Unfortunately, without a major societal shift, the necessary changes will likely never be made - the return to just paying for routine work and having insurance for the big things. People have been so convinced by propaganda that they refuse to acknowledge that they are actually paying more - either directly, or indirectly in the form of lower wages - than they would if going back to that type of model. I make six figures working straight 40 hour weeks. Yes I understand that. |
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I tell anyone pushing government healthcare to go into a VA hospital.
Complete shithole. I have been to a bunch and not a single one that i have walked into wasnt a complete shithole full of laziness and waste. |
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Tell them between Medicare, Medicaid, Tricare almost 40% of the U.S. population is covered by "government" ran health insurance, and look how bad of a job the government is doing with it. Only a fool would want that number to increase.
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These threads are always hilarious, with all the "...then maybe it wouldn't cost 600 for two aspirin!" or "...and they said the procedure was going to be $20,000 but then my insurance dropped it to $1,500" bullshit. 87% of you have no damn idea how costly the doctors, nurses, specialists, etc. are to employ at a hospital. Just an ED doc alone is earning $300k/yr base salary on average in the U.S., and the cost for the rest of the docs (specialists, surgeons, anesthesiologists, etc.) just skyrockets from there. Your average RN in a metro area is raking in around $120k/year. And the medical devices and equipment, oh lordy the price tags on that equipment is insane with MRI machine, cat scans, etc. running in the millions. And most everything other than scanning equipment and instruments is one-time use.
Why does healthcare cost a ton? It's not some super secret squirrel collusion between big pharma, or private healthcare insurers and the feds, it's because staff, equipment, and supplies are expensive. |
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Quoted: Then you are being paid less in exchange for your employer paying what is likely >$1000/mo for that kind of coverage. The cheapest, shittiest coverage you can get these days is like $300/mo. The whole problem is that insurance has come to rule the marketplace, and no longer is actual insurance. That is, real insurance is meant for covering rare, often unexpected, and potentially expensive events. But you can no longer even purchase such plans in the heath sector, except on a limited short-term basis (which you are not allowed to continue indefinitely). The absurd expectation now is for insurance to pay for everything, which is exactly why we find ourselves in the mess we're in. Moving even further into that model makes things worse, not better. Unfortunately, without a major societal shift, the necessary changes will likely never be made - the return to just paying for routine work and having insurance for the big things. People have been so convinced by propaganda that they refuse to acknowledge that they are actually paying more - either directly, or indirectly in the form of lower wages - than they would if going back to that type of model. View Quote The many layers and confusion are useful for concealing all the added costs. We are strongly considering going to pay-as-you-go doctors, even though it isn't what you would call cheap. And try to figure out a catastrophic coverage insurance. |
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Quoted: Damn dude. I'd gladly let those cocksuckers keep all my social security money if it meant my kids won't have to pay for it. Same goes with any broken government system. We need to fix it somehow. ETA: I guess I shouldn't say gladly. I'd be real fucking pissed. I just want to see it gone. View Quote That ship has sailed long ago. Nobody's kids, grand kids, great grand kids... |
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Quoted: Does this argument work for all the other taxes I pay as well? View Quote It should, if the government has billions of dollars to give to foreign countries, they're taking altogether too much money from taxpayers. We'll spend American life and treasure to defend other countries borders, but they flat out refuse to secure our own. Shits fucked up, and needs fixing. |
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Quoted: That first post nails it thing. That I get charged 10k but my insurance pays 400 dollars because of an under the table agreement is absolute and total bullshit. View Quote View All Quotes View All Quotes Quoted: Quoted: Well, health insurance companies are a scam, in collusion with the .gov and the hospitals and pharmas. That first post nails it thing. That I get charged 10k but my insurance pays 400 dollars because of an under the table agreement is absolute and total bullshit. This is part of the problem. For a market to work, the people in it need to know the price and their options. This is pretty much never the case. |
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Quoted: Why does healthcare cost a ton? It's not some super secret squirrel collusion between big pharma, or private healthcare insurers and the feds, it's because staff, equipment, and supplies are expensive. View Quote Right. It has nothing to do with the cost of multiple layers of hucksters, bureaucrats, paper pushers, bill jugglers and insurance (avoidance) minions who have absolutely nothing to do with the delivery of health care, but serve solely to determine who or who isn't paying the bill. |
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I tell people its a state's rights issue. Fed Gov should only be involved in defence of the country and a few other things.
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Ask them to imagine their last visit to the DMV, only this time waiting treatment with a compound fracture.
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I'm not entrusting my healthcare to the country equivalent of Enron. Being dependent on an ineptly managed institution that is $30 trillion in debt, running multi-trillion dollar annual budget deficits, and is an interest rate hike away from being forced into severe austerity is not going to end well. The reason healthcare is so screwed up in this country is because of too much govt. Anyone who is banking on entitlements like Medicare or Social Security is going to be absolutely screwed when the bills from decades of financial excesses finally come due.
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VA hospitals are socialized medical
It is like the DMV running a hospital If you have an emergency OK If you have something wrong but not an emergency, it can take a while or months to get appointments and scans to figure it out, if cancer then it maybe too late to treatment |
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The next time you get a bad cut that needs stitched up, before you see a doctor:
Go get your passport renewed, Apply for a permit to add a room to your house, and Go mail a registered letter. Then go get your wound stitched. THEN tell me how much you want government running MORE or healthcare. |
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Quoted: I believe it because when you walk into a hospital everyone has their hand out . Pay ME! Imagine if going to get your car fixed was like that. Here's your bill , you're like okay you pay it then another person walks over ,Hey I operated the lift here's your bill , then another person walks over I brought the lift done here's a bill for that and so on. That's a hospital visit View Quote View All Quotes View All Quotes Quoted: Quoted: My niece got bit by a monkey while traveling somewhere in southeast Asia (no, she really did, and I don't remember what country). She had to get a series of rabies shots. She got all but one of the shots overseas but had to come home before she was scheduled for the last shot. I don't recall the exact details, but I remember her saying the cost difference between the first shots and the one she got in the United States was unreal. I'm making the numbers up but it seemed like she said the first three or four shots (or however many there were) cost her like $100 each, but the one shot shot she got in the U.S. was in the thousands. Again, I don't remember the details but I clearly remember her describing a HUGE price difference. I believe it because when you walk into a hospital everyone has their hand out . Pay ME! Imagine if going to get your car fixed was like that. Here's your bill , you're like okay you pay it then another person walks over ,Hey I operated the lift here's your bill , then another person walks over I brought the lift done here's a bill for that and so on. That's a hospital visit And then a drug addict and an illegal alien walk in and they get their car fixed for free. |
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Ha ha, sounds like a good idea until you remember that when you are working you and your employer are paying into Medicare for when you reach a certain age and normally live for a few years afterwards.
WTF do you think the payroll taxes would be for "Medicare for all"? I could not imagine the additional costs to cover medical costs from say age 18 to age 62? |
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Quoted: Ha ha, sounds like a good idea until you remember that when you are working you and your employer are paying into Medicare for when you reach a certain age and normally live for a few years afterwards. WTF do you think the payroll taxes would be for "Medicare for all"? I could not imagine the additional costs to cover medical costs from say age 18 to age 62? View Quote Total labor income is $8.9T. Total healthcare spending is $4T. The math is pretty easy from there. |
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