Cadillac med plan = more income

[pauldun170]

Originally Posted by LeeNetworX

I don't use FSA myself but on a related topic my out of pocket cost to provide health insurance to my family is going up 44% in 2013.

We are gong to a "consumer directed" plan which means when someone shows up with the bill, they direct them to the consumer.

All wellness visits are now free. Everything else (after hitting a the new mega deductible) is 80\20 split.

So, if you are healthy and only go to the doctor to catch up on how each others families are doing then your cost get chopped in half.
If you do something silly like get hurt or sick, I can see bankruptcy in your future.

As a result, I'm going from the FSA I had last year to an HSA.

[Tmall]

Sure is complicated to get sick down there.

[Homeslice]

Still don't really get it. So the gov't is taxing insurers if someone buys a premium plan? For the purpose of subsidizing Obamacare, right?

All that's going to do is make those premium plans more and more expensive, because the insurers will pass on the costs. Then fewer people will buy them, so you're back to square one.

Nice, so now if I want a plan with lower deductibles & copayments, I have to pay more for it, cuz the gov't wants to subsidize losers who work part-time at KFC and have 3 kids.

[goof2]

Originally Posted by Homeslice

Still don't really get it. So the gov't is taxing insurers if someone buys a premium plan? For the purpose of subsidizing Obamacare, right?

All that's going to do is make those premium plans more and more expensive, because the insurers will pass on the costs. Then fewer people will buy them, so you're back to square one.

Nice, so now if I want a plan with lower deductibles & copayments, I have to pay more for it, cuz the gov't wants to subsidize losers who work part-time at KFC and have 3 kids.

Maybe they will only pass on the additional cost to those more expensive plans. Since the insurance companies will still want their customers buying those more expensive plans for top execs my guess is they will pass that cost increase along through all their plans though.

[Apoc]

Originally Posted by Homeslice

Nice, so now if I want a plan with lower deductibles & copayments, I have to pay more for it, cuz the gov't wants to subsidize losers who work part-time at KFC and have 3 kids.

I'd rather pay taxes for someone else's free healthcare, than not have free healthcare for myself when I need it. I go to a hospital, it costs me zero dollars. Doesn't matter if im there six minutes, or six months, I walk out with the same bill. Maybe its one more reason were just better people than you, we don't dont mind making sure that very few people are hungry and sick. It makes for a better, nicer, and friendlier country. One where we don't need handguns to protect ourselves, or lawsuits to get ahead. Its nice.

[Homeslice]

Originally Posted by Apoc

I'd rather pay taxes for someone else's free healthcare, than not have free healthcare for myself when I need it. I go to a hospital, it costs me zero dollars. Doesn't matter if im there six minutes, or six months, I walk out with the same bill. Maybe its one more reason were just better people than you, we don't dont mind making sure that very few people are hungry and sick. It makes for a better, nicer, and friendlier country. One where we don't need handguns to protect ourselves, or lawsuits to get ahead. Its nice.

People resort to crime for mostly 2 reasons --- Money, and emotion ........And while free healthcare might lessen #1, it's not going to do much about #2. I doubt your country is magically less emotional, hate-filled, or resentful about past relationships/whatever that you're going to get less rape or spouse abuse, for example.

[Apoc]

Originally Posted by Homeslice

People resort to crime for mostly 2 reasons --- Money, and emotion ........And while free healthcare might lessen #1, it's not going to do much about #2. I doubt your country is magically less emotional, hate-filled, or resentful about past relationships/whatever that you're going to get less rape or spouse abuse, for example.

There is no doubt involved. Our crime rates per capita are far, far lower than yours, and total murders across the country per year are probably less than some single states in your wonderful USA. Believe what you want, we are a far more peaceful and friendly country than you seem to be able to understand. Most of the crime we see up here is petty. Theft, Simple Assault, stuff like that. Murders are not an everyday thing up here in Canada. Don't know why that is so hard for you to understand. A single murder in the whole province of New Brunswick (about 800k people), is a shocking event. If we have 5-6/year, that is about it.

[njchopper87]

Originally Posted by Apoc

I'd rather pay taxes for someone else's free healthcare, than not have free healthcare for myself when I need it. I go to a hospital, it costs me zero dollars. Doesn't matter if im there six minutes, or six months, I walk out with the same bill. Maybe its one more reason were just better people than you, we don't dont mind making sure that very few people are hungry and sick. It makes for a better, nicer, and friendlier country. One where we don't need handguns to protect ourselves, or lawsuits to get ahead. Its nice.

I only skimmed this thread, but after my mom had to pay $1500 just for sitting in a waiting room at the ER your post makes me angry.

[Tmall]

Originally Posted by njchopper87

I only skimmed this thread, but after my mom had to pay $1500 just for sitting in a waiting room at the ER your post makes me angry.

I just dropped my mother off at the walk-in clinic. I'll pick her up in an hour or so and all it will cost is the gas money for the trip.

Like I said, sure is complicated to get sick down there..

[askmrjesus]

Originally Posted by Apoc

I'd rather pay taxes for someone else's free healthcare, than not have free healthcare for myself when I need it. I go to a hospital, it costs me zero dollars. Doesn't matter if im there six minutes, or six months, I walk out with the same bill. Maybe its one more reason were just better people than you, we don't dont mind making sure that very few people are hungry and sick. It makes for a better, nicer, and friendlier country. One where we don't need handguns to protect ourselves, or lawsuits to get ahead. Its nice.

Yeah well, blah blah blah.

Would a Canadian Fire department open your front door if you locked yourself out?

Didn't think so.

America, FUCK YEAH!

JC