I have a heath care question. How much do you pay for coverage?

@BCRMike (279)
Vanderhoof, British Columbia
June 6, 2010 10:01am CST
I have American friends who think that UNIVERSAL GOVERNMENT RUN HEALTH CARE is the worst possible thing ever. When I suggested that MS was a pre-existing condition that would exclude me, she3 said she doubted I wouldn't be able to get insurance there. So here's what I pay and here's what I get for that money. $100 for a FAMILY- No limits. No deductibles. No co-pays. No lifetime limits. You choose your doctor. See you doctor as often as you need to. Hospital stays- covered. You can pay for a private room though if you want. Prescriptions- $2500 family deductible. I pay $0 because my families income is less that $30,000. So how much do you pay for heath coverage and what do you get? I am curious to know.
2 people like this
4 responses
@xfahctor (14130)
• Lancaster, New Hampshire
6 Jun 10
I get mine through a privately funded program through a hospital in my area. I pay nothing for it. It covers everything. The fund was established a long time ago by a wealthy and well known family in the area, one of the founding families of the area in fact. The same program continues today through other private donations and interest accrued on investments the original family made back in the day. Under the new bill passed in the U.S. this same program is now in jeopardy. It would not be considered "acceptable" health care coverage as will be mandated as of 2014 for every U.S. citizen and I will then have to go and seek coverage elsewhere that will likely NOT cover as much as the one I currently use does now. Things like THIS is why many of us are opposed to what has been done to the health care system in this country. What most of us are opposed to is the way they are going about "fixing" the system. 99% of us are all for revamping and reforming the system. I don't think I have ever talked to anyone who believed things were perfect the way they are or that didn't see the need to fix things. But, everything this government touches becomes a bloated, expensive, ineffective crippling bureaucracy that dwarfs the expensive, crippling ineffective bureaucracy of the health insurance companies. If we are going to have our government involved in our health care, we need to get them out of a lot of other things. Any system works well when it only has a few specific functions that it does efficiently. It's when you start adding all those other components to it that it begins to slow down, become less effective and dysfunctional.
@BCRMike (279)
• Vanderhoof, British Columbia
6 Jun 10
So who pays for it? Or is it self sustaining?
@xfahctor (14130)
• Lancaster, New Hampshire
6 Jun 10
it is self sustaining. A number of investments made by the family are giving returns that keep adding to the fund and a number of donations that continue to come in supplement it.
@BCRMike (279)
• Vanderhoof, British Columbia
6 Jun 10
I think, if I understand X's response, this is a planned financing option that was generated by the family in the distant past, and because of wise administration, is paying the freight for the insurance. Kind of like a heath savings account on steroids... But I still want to know how much is paid for them to the insurer. Since it is a private plan, it sounds like an exception more than the rule.
@urbandekay (18312)
6 Jun 10
Here in UK health care is free for all, the mark of a civilised country all the best urban
@urbandekay (18312)
7 Jun 10
Free at the point of contact, I mean. Health care in UK is provided at a fraction of the cost like for like of the same in USA, as much money there goes to your exploitative insurance companies. So, yes everyone contributes through a national insurance scheme but it is very cheap fixed cost all the best urban
@BCRMike (279)
• Vanderhoof, British Columbia
8 Jun 10
And still way way cheaper than privately run health care. And taxes would appear to be less in the UK than they are in the US. At least they are in Canada.
@Hatley (164469)
• Garden Grove, California
6 Jun 10
hi bcrMike I am 83 on medicare and gap insurance Evercare through Secure Horizons. I pay nothing for my hmo and have a few copay, ambulance was free last year this year my copay is 150 dollars which in my situation here where almost all of my social security and SsI checks go to pay monthy rent and board it might as well be one thousand fifty. so I have to make small payments until its paid off. my copay for the twelve meds I take each day are one dollar and ten cents per prescription and for name brands it is five dollars per prescriptions. Ihave a very good gap insurance as its specially for elderly poor retirees. But we need Universal health care for allwho are not elderly and are not yet old enough for medicare.I have to go to the doctors and specialists they endorse but have found they were excellent doctors so I am okay for one 83 years old.
@BCRMike (279)
• Vanderhoof, British Columbia
6 Jun 10
Good for you. Ambulances are covered but for the first $240 which you pay a percentage of until you max out at the $240. Universal health care is the thing. Once you have that, there is no need for medicare, medicaid and the like.
@gtargirl (5385)
• United States
12 Jun 10
$300 for a family of five. Free for my son until he leaves school. The Healthy Families program in California is low cost insurance or FREE. No copayment, I paid $10 to have two kids, one with problems, so he stayed an extra two days in the hospital. I got that $10 back. My mom had a pre-existing condition and was able to get coverage. That's CA though. MediCal picked up her medical costs. Of course, we won't have MediCal anymore in four years. Or we shall see. Having said that, we do need Insurance overhaul but this gov bill has a lot of buried sub-bills. We now have Student Loans buried within the health care bill and our 1099's are also a part of it which gives the IRS free reign to spy on our finances just in case we don't want government health care.