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Health coverage until 26

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  • #16
    Re: Health coverage until 26

    Originally posted by ToUtahNow View Post
    It is no longer a matter of need now that it is mandated. Their policies are now needed to help absorb some of the risk.

    Mark
    Bad move not seeing a doctor or having health insurance at a young age. Just one event such as gallbladder can break you or your family. Sure when you are young and healthy you think you are invincible, but spend some time in an E.R. and see how wrong you can be. The risk for a health emergency is always present even when we are young and strong.

    Comment


    • #17
      Re: Health coverage until 26

      Originally posted by Frankiarmz View Post
      A person making minimum wage where in live in CT would have to work twenty four hours a day, seven days a week and still not afford rent, food and a car. The economy is bad and employers can choose from folks with college degrees and work experience over new grads. Things are getting worse. Can you imagine making eight or ten dollars an hour and paying a thousand dollars a month for rent, a thousand for health insurance and food, and , and , and?
      With all due respect, this equation hasn't changed much in hundreds of years and many societies.

      You can hit me with every obstacle your mind can generate, but if I have reasonable health, I will overcome and prevail. Others will too.

      J.C.

      Comment


      • #18
        Re: Health coverage until 26

        Originally posted by tailgunner View Post
        You would be suprised. For people in that pre-30's range, they really just need preventative care, like innoculations, annual checkup's, and catastrouphic plans, in the event of a serious injury.

        I'll use myself as an example, I has to twice go to a clinic to remove debris from my eye, BEFORE damage was done, AND once more for an ear infection, a painful one at that, to get a prescription. Not to mention the occasional stitches.

        Also, in the last two years, my biological father came down with not only colon cancer, but liver cancer, and in the last week, been diagnosed with Type II diabeties, all three with a excellent chance of being hereditary. God knows how many other time bombs I have been heir too.


        Tell me again why people my age don't need health insurance?
        Your biological father is older than 30. Wear Safety glasses!!!!

        Workplace accidents are covered by workmans comp.
        Auto insurance for car wrecks. My point is it is uncommon for younger men to need health care. The price for insurance compared to the benefit does not seem worth it to me.
        The doctor can't make a person eat right and exercise. They can't make us not drink smoke or do drugs.

        Comment


        • #19
          Re: Health coverage until 26

          Originally posted by Frankiarmz View Post
          Bad move not seeing a doctor or having health insurance at a young age. Just one event such as gallbladder can break you or your family. Sure when you are young and healthy you think you are invincible, but spend some time in an E.R. and see how wrong you can be. The risk for a health emergency is always present even when we are young and strong.
          A state supported hospital will accept payments for emergency surgeries that are much less than an insurance premium.

          J.C.

          Comment


          • #20
            Re: Health coverage until 26

            Originally posted by Frankiarmz View Post
            Bad move not seeing a doctor or having health insurance at a young age. Just one event such as gallbladder can break you or your family. Sure when you are young and healthy you think you are invincible, but spend some time in an E.R. and see how wrong you can be. The risk for a health emergency is always present even when we are young and strong.

            Insurance is a game of statistics young peole get lower rates because the don't make as many claims and when the do they are cheaper. Keep you weight down and gall bladder issues will also be limited.

            Comment


            • #21
              Re: Health coverage until 26

              Originally posted by Frankiarmz View Post
              A person making minimum wage where in live in CT would have to work twenty four hours a day, seven days a week and still not afford rent, food and a car. The economy is bad and employers can choose from folks with college degrees and work experience over new grads. Things are getting worse. Can you imagine making eight or ten dollars an hour and paying a thousand dollars a month for rent, a thousand for health insurance and food, and , and , and?
              To add to this post, there is a novel titled Nickel and Dimed: On (Not) Getting By in America by Barbara Ehrenreich over the issue of living off of minimum wage.

              Amasingly enough, at a tavern a thousnad feet away that I frequent, I met all sorts of people. One person in particular is a marketer with contracts for "big box" stores like Home Depot for developing displays and such. He told me that the people he meets for a job interview over an entry level position, with the qualifications these people have, they should be making htree times what the marketing company is offering.

              Even my little brother (19 Y/old) has a hard time finding work. Both my stepfather and a cousin of mine (Both managers) inform him that the choice between hiring a teenager (Even as late as 19) or a 30+ year old with a work history is a no brainer. They will go to the adult instantly without thought or hesitation. It's mideviel out there.
              Last edited by tailgunner; 03-30-2010, 09:28 PM.

              Comment


              • #22
                Re: Health coverage until 26

                Originally posted by JCsPlumbing View Post
                What's been the estimated cost of your health needs thus far?

                And for the record, last I read insurance companies LOVE having men 20-30 years old 'cause they get the best premium to claim % of any other demographic.

                J.C.
                Would this be a bad time to mention that my insurance premiums only cost me $49.51 a month? And my employer helps cover the cost of half of that so he can tell the state he does his part to cover his employees?

                Comment


                • #23
                  Re: Health coverage until 26

                  Originally posted by tailgunner View Post
                  Would this be a bad time to mention that my insurance premiums only cost me $49.51 a month?
                  No. Not at all. I am very glad for you if that's the case.

                  J.C.

                  Comment


                  • #24
                    Re: Health coverage until 26

                    Originally posted by JCsPlumbing View Post
                    No. Not at all. I am very glad for you if that's the case.

                    J.C.

                    I'm sorry. I really must apologise here. What I have posted is indeed the truth, but not the whole truth. I have a good buzz going on right now.

                    Yes, my premiums are what I stated, but that is due to being able to enroll in a Tricare program through the military, since I am still enlisted. (13 years and counting, and re-upped for 6 more last Febuary). So, I like to believe it more to be a trade than a payment.

                    Comment


                    • #25
                      Re: Health coverage until 26

                      Originally posted by Frankiarmz View Post
                      Bad move not seeing a doctor or having health insurance at a young age. Just one event such as gallbladder can break you or your family. Sure when you are young and healthy you think you are invincible, but spend some time in an E.R. and see how wrong you can be. The risk for a health emergency is always present even when we are young and strong.
                      I was not condoning it, I was merely stating the reason the Administration gave the insurance company. Insurance use to be automatic for my employees until the Government got involved with Cobra. After that I had a 90-day probation prior to coverage. If I had any question as to whether he would last I would either give him $2 an hour instead of insurance or let him go rather than mess with COBRA. More than once I paid for an ex-employees COBRA on a promise and was never reimbursed.

                      Mark
                      "Somewhere a Village is Missing Twelve Idiots!" - Casey Anthony

                      I never lost a cent on the jobs I didn't get!

                      Comment


                      • #26
                        Re: Health coverage until 26

                        Originally posted by EasyEman View Post
                        Insurance is a game of statistics young peole get lower rates because the don't make as many claims and when the do they are cheaper. Keep you weight down and gall bladder issues will also be limited.
                        Keeping your weight down is a good thing to do throughout life, but it does not guarantee good health. I had gallbladder surgery when I was seven years old! Good health can tumble like dominos from just one event.

                        You are hiiking or playing a game of ball and break your ankle, you ignore the pain so you don't have to pay for the E.R. visit. Do you know what happens when bone marrow gets in your blood stream?

                        You are in a bar fight and someone gets a good punch to your midsection, ruptures your spleen.

                        You cut your hand working on your car and get blood poisoning.

                        The worst thing you can do in my opinion is assume you are not going to need coverage, better to have it and not use it, than need it and not have it.

                        The only reason I have this attitude is the life threatening and life altering events from my childhood. They gave me a different understanding and appreciation for good health and proper medical care. By the way, the gallbladder problem I had at seven years of age arose from impurities from blood transfusions. If you can't imagine the need for health insurance it's because you don't know enough about the problems that can arise without it.

                        Comment


                        • #27
                          Re: Health coverage until 26

                          Originally posted by tailgunner View Post
                          Tell me again why people my age don't need health insurance?
                          Because instead of paying premiums, you could have paid the two emergency room bills for the eyes, and a doctors bill for an ear infection.

                          If you had lower premiums and a high deductible policy, it is probably the best kind of thing for someone in their 20s. For things that would throw you for a real financial loop you're protected; for the rest of it you just fork it out.

                          Having everything cheap is one of the reasons healthcare is so expensive. I've probably got psoriasis on my knee. It doesn't bother me, but I'm sure I could go get a $700 cream like my wife has after spending $150 on a dermatologist. If I didn't have to pay for it, I might. I've definitely got a thyroid condition, it also doesn't bother me. If I wasn't lazy I might get it checked out, and spend money on Synthroid. There are lots of people who would have just listened to the first doctor and done that, spending $30 a month on it. I went to an endocrinologist who told me if it doesn't bother me, then I'm not gonna keel over and die (of course spending $200 of my insurance's money to figure that out).

                          If people had to think of the true cost-benefit analysis when getting medical care, then I think it wouldn't be 1/6 of our economy.

                          Comment


                          • #28
                            Re: Health coverage until 26

                            Originally posted by Frankiarmz View Post
                            The worst thing you can do in my opinion is assume you are not going to need coverage, better to have it and not use it, than need it and not have it.

                            The only reason I have this attitude is the life threatening and life altering events from my childhood. They gave me a different understanding and appreciation for good health and proper medical care. By the way, the gallbladder problem I had at seven years of age arose from impurities from blood transfusions. If you can't imagine the need for health insurance it's because you don't know enough about the problems that can arise without it.
                            Having insurance for something catastrophic makes sense, but what bothers me is now everyone expects little things to be covered. Most of us would want collision on a brand new car, that doesn't mean we want to pay for a warranty that will cover all of our oil changes.

                            Comment


                            • #29
                              Re: Health coverage until 26

                              Originally posted by cpw View Post
                              Having insurance for something catastrophic makes sense, but what bothers me is now everyone expects little things to be covered. Most of us would want collision on a brand new car, that doesn't mean we want to pay for a warranty that will cover all of our oil changes.
                              That's one of the things that's making insurance companies kind of push people & businesses toward HDHP's. Forcing them to consider whether the sprained ankle really needs to be seen at an emergency room, a specialist, and a physical therapist.

                              J.C.

                              Comment


                              • #30
                                Re: Health coverage until 26

                                Originally posted by cpw View Post
                                Having insurance for something catastrophic makes sense, but what bothers me is now everyone expects little things to be covered. Most of us would want collision on a brand new car, that doesn't mean we want to pay for a warranty that will cover all of our oil changes.

                                It's the little things that kill us! Changing out the oil or fuel filter in your car is one things, changing out a heart, kidney, or liver, is, well, a bit more expensive!

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