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Old 06-17-2012, 07:55 AM   #15
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The number one reason health insurance premiums go up at such an alarming rate is cause the cost of health care goes up faster. Whether it's the cost of regulations, doctor fees, costs of meds or equipment it all goes up and we expect insurance to cover the costs.

Similar to Steve & Sal, I needed some (two) stents last year to open up some bypass grafts. The Dr. would not do both in the same session saying it was too risky to do two when they were not close together. So two trips to the hospital, two procedures (lasting only about 30 minutes each), two nights in the hospital. Total bill was over $120,000 and all but about $3,000 covered by insurance.

To be fair, I did have 24 hr care, plenty of people checking on me, feeding me, and so on. There are LOTS of people one has to pay for when your in a hospital. Same with the Dr. office. Just look around and see how many people are in the office that you don't interact with. Legal filings, insurance filings, receptionists, lab workers, cleaning crew, all have to be paid for.

So I agree that health insurance is expensive and in 14 months I won't have any when my COBRA coverage. But the high cost of health insurance is a SYMPTOM of a much bigger PROBLEM. When I was in school I was told to identify symptoms but solve the underlying problem.
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Old 06-17-2012, 08:00 AM   #16
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the last 2 years before I went on medicare plus a supplemental policy my premium with BCBS went to over $1,200 a month for a healthy female. I changed to a $10,000 deduct ($275. a month) and did not go to the doctor.

edit for: No politics to it, this was before O care. The cost will continue to go up as you age. We have always been self employed with no group ins so saw the difference every year.
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Old 06-17-2012, 08:10 AM   #17
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the last 2 years before I went on medicare plus a supplemental policy my premium with BCBS went to over $1,200 a month for a healthy female. I changed to a $10,000 deduct ($275. a month) and did not go to the doctor.
That's a lot. When I first retired (actually just plain quit) I had to go into a state insurance pool (After COBRA ran out) due to heart issues. It started out at $400 a month for just me and over the next 5 years ramped up to $1,100. Good coverage just pricey. New wife was still working and got on her policy. Well now she has retired and back on COBRA. $850 a month for the both of us.

Fun fact (not really humorous) is that the $850 monthly premium is cheap compared to what we would have to pay out of pocket for the drugs we take. We take full advantage of the Walmart $4 drugs when we can and other generics when we can, but there are some that are still ultra pricey.
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Old 06-17-2012, 08:21 AM   #18
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At this point I'm not sure healthcare can be fixed. We have drug companies spending massive amounts of money to promote their products. New hospitals that look like 5 star hotels. Hospitals spending money to advertise like they are General Motors. Hospitals too heavy on the administrative side with staff and salaries. Courts clogged with frivolous lawsuits and outrageous awards. The problem with healthcare is that the entire system has got too far away from the basic concept of making sick people healthy.
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Old 06-17-2012, 08:30 AM   #19
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I see several people say costs have increased due to regulations. Can someone tell me what regulations have done this? I am one that believes profits are all companies care about. The higher the better!! and if there is no one regulating the profits or costs allowed, then companies will do what they want to do. If I had a business I would want to make a huge profit too. But when certain business's, health care, fuel, food, electricity etc... affect so many people then maybe some form of profit or costs allowed should be controlled. We are at their mercy. No one should have to do without health care, but costs are limiting those that can afford it.
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Old 06-17-2012, 08:33 AM   #20
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My DH is retired so health insurance come thru him. He is a diabetic and uninsurable any where else We pay 1300.00 a month that has gone up from 350 a month in2003 Now half his pension goes to health insurance. So we still work out of my home to make ends meet. What will insurance cost in the future??? I can not imagine what Medicare will cost us in 5 years. I know Obama care is NOT the answer. I work with insurance companies in finding health insurance for the companies I do the administration functions for. (accounting human resources etc). All of them say the increases we see now is nothing compared to the increases that will come with that. The answer is some where in the middle I have had a medical issue that took started in November of last yr and was diagnostic last month!! The cost was unbelievable. Glad I had that insurance.
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Old 06-17-2012, 08:34 AM   #21
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I see several people say costs have increased due to regulations. Can someone tell me what regulations have done this? I am one that believes profits are all companies care about. The higher the better!! and if there is no one regulating the profits or costs allowed, then companies will do what they want to do. If I had a business I would want to make a huge profit too. But when certain business's, health care, fuel, food, electricity etc... affect so many people then maybe some form of profit or costs allowed should be controlled. We are at their mercy. No one should have to do without health care, but costs are limiting those that can afford it.
I would be banned from this board if I posted what I think about you. Nuf said!
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Old 06-17-2012, 08:39 AM   #22
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What really torques me off is almost all of the legislation being spewed out of DC is written by paid lobbyists, whose PACs support the candidates they need to pass the legislation. And if you want to oppose the legislation, you have to pay a lobbyist to schmooze the politicians into looking at your side of the story. By the people, for the people, corporations are people too.... right.
I have always paid my 100% of my employee's health care premiums, and my family is in the same group with them. But my competition hacked and slashed their benefits until the hourly employee's get better coverage through Medicaid. They're making a profit, I'm digging my own grave.
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Old 06-17-2012, 08:48 AM   #23
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I've been in business for over 14 years and it's getting hard every day with all the new crap they are putting on us. My workmen's comp insurance is $9.13 per hundred pay roll that's about $4.00 more then it was 4 years ago and never had a claim. Last year our wonderful Gov changed SS where we paid half and the employe paid half now I pay 8.2% and they pay 4.2% to make it easier on the working people. How about make it easier on small business to stay in business. When things go up on business we have to raise our prices it's never ending.
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Old 06-17-2012, 08:48 AM   #24
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Yes you hit the nail on he head. Small companies can not afford to do health insurance any longer for their employees. We use to do 75 /25 on total cost Now it is 50/50 for employees potion and zero for the dependents!!! that is almost as much as we paid the 75/25 a month cost us for all. You are doing a great service to them I hope the employees appreciate it!!
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Old 06-17-2012, 08:56 AM   #25
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I would be banned from this board if I posted what I think about you. Nuf said!
Thanks for being honest. It is okay to disagree with what people say. I think people take everything to serious where it's their way or no way. Everyone needs to be opened minded and get along in this world. What worries me more than costs of health care etc.. is the hatred/dislike for others in this world. But that is another discussion.
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Old 06-17-2012, 09:05 AM   #26
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Yes you hit the nail on he head. Small companies can not afford to do health insurance any longer for their employees. We use to do 75 /25 on total cost Now it is 50/50 for employees potion and zero for the dependents!!! that is almost as much as we paid the 75/25 a month cost us for all. You are doing a great service to them I hope the employees appreciate it!!
You reach a point where you have to decide if driving yourself out of business is doing such a great service for your employees. The problem is too many businesses struggling to survive are pushing more and more people into the social safety net, however that expenditure is only a fraction of the total entitlements paid out. But it's time to break camp and pack up for the drive home, tomorrow is another day of swimming upstream with one hand tied behind my back.
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Old 06-17-2012, 10:11 AM   #27
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I see several people say costs have increased due to regulations. Can someone tell me what regulations have done this?.
HIPAA for one ( Do a google search on HIPAA or HITECH ). A friend of mine who worked for BCBS of SC (which processes millions of claims every year ) in their IT dept said they spent millions (as in several) updating thier software to comply with the new reporting requirements.

My GP's office added several staff members to review files, update files, create and manage new forms. And to make sure every year I have to fill out new forms stating basically nothing has changed and that my spouse and/or son can indeed be contacted if something happens to me.

Lesser known is HITECH which further adds costs to the DR.'s office staff to comply with technology requirements.

None of these changes made the care I get from my Dr any better.

I'm not saying these regulations are bad, just that everytime you add more requirements that add more people or technology to the process will add to your bill.
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Old 06-17-2012, 10:34 AM   #28
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At this point I'm not sure healthcare can be fixed.
I tend to agree but not for all the reasons you gave but are by themselves valid.

We the people have become accustomed to ready access to a Dr. We expect insurance to pay for everything and many folks go to the Dr. for a cold or headache. We expect that the hospital in our towns have a MRI or CAT scan machine. We complain that the hospital or Dr. run so many tests that seem needless yet will turn around and sue them if something happens and they didn't.

We do a lot of "elective procedures" and expect insurance to pay for it, and expect to have them done today. Knee hurt? Pain go away if you take an Aspirin? Sure but I want it replaced but don't want to pay for it.

Have ED? Viagra help? Sure but we want insurance to pay for it.

Several years ago my wife and I were on a cruise and she had a mild stroke so they dumped us off in Peru. The hospital didn't have MRI/CAT machines. On day one they wanted an MRI so the shuttled us to a central site used by all for the MRI. Next day, the Dr. wanted a CAT scan so the shuttled us off again. The room at the hosp was bare bones, no tv, shower looked neglected, noisey, and poor if any AC. How many of us would want this kind of service in the US?

It is a big issue with no good simple solution.
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