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I have not ever needed it. I don't want it. Unlike everyone I know that has health insurance, I am unusually healthy. They're all fat and take prescriptions as if its candy. I'm pissed that we're all to be coerced into paying for this in the USA. I don't want to burn $300 per month for it.
You could get hit by something, fall down stairs, get mugged, wake up in a house fire, drop a glass cup on your foot...
Health insurance isn't just about fat you know, but if you don't want it then don't pay for it. When you get hurt can't pay for it and end up on the street Imma laugh.
LOL, the majority of people I see with insurance are fat lardo heifers that don't do squat to help themselves remain as disease free as possible.
But, your point is taken.
I have auto insurance. Never use it. That seems like a waste too.
You can't insure everything in life. Life was never intended to be a safe and peachy trip. Its a luxury, if you can get it. Yeah, healthcare access is a good resource. But, if you go too often, the Dr. will find SOMETHING wrong with you in order to give you a FREE SAMPLE which leads to a prescription.
Funny thing about health insurance. You never need it until you need it, and when you need it you usually need it pretty bad.
Unless you live in a cocoon, shit happens. A fucking piano can fall on you, for fuck's sake. It isn't all about illness.
Not all plans cost $300. I'm glad you never get sick, but you are naive to think you will never need it. People who think this way are the ones who end up with 20 pound tumors in their belly. And those are not cheap to remove.
Not at all naive. I know plenty about what can happen. I'm living with this risk. Risk? You realize we're all going to die anyways?
If I get something, I would rather pay in cash. Paying in full is cheaper. Insurance jacks the prices up through the roof.
Ha! You have never paid a hospital bill, have you? Cash payment will offer a discount. But an original fee of 30k at half price is still a lot of money. The good news is that hospitals can't charge interest on debt.
And so what if you are going to die anyway, does that mean you should forgo treatment for anything?
yes, I have been in the ER three times. I'm not saying my choices here are perfect, but healthcare is still ridiculously unaffordable thus unobtainable.
As long as you only have a 30k hospital bill every 9 years you still come out ahead.
I dont pay that much for health care because I have a job that pays it for me. I'm not saying that healthcare is reasonable and affordable it is much more complicated than that.
People who rely on the ER for preventable illnesses are taxing the system and make the prices go up. Also, I have no desire to be in debt for 10 years because i got a bad case of the flu. Hospitals will send you to collections.
If you're wondering, my ER trips were minor and I paid in cash.
Those people relying on the ER are likely too poor to afford health insurance, much less anything else. Healthcare is still a luxury service in the USA for a lot of people. Then, there's those I see with health insurance, that are obese frequent buffet visitors. Those people ought to pay way more. I thought health "insurance" was for freak accidents and illness, not chronic truly preventable and reversible conditions.
Absolutely mate, in Canada we have "free" healthcare. What a joke, all the test we do on medical centers come back as a fail.... why because its free? Many people die every day in waiting rooms, and many surgeries are not covered as they're "cosmetic". And the ones covered under insurance or OHIP they just do a piss poor job, unless you shell for some luxurious plan. I'd rather just pay for it all out of pocket, pick out my doctor and move on. Cause even now I still have to pay to be properly tested every year as it is not covered to have proper check ups.
I was a lot like you. I was unusually healthy (still am), I am physically fit and usually the only person ever in my circle that doesn't get sick when bugs get passed around. And then I got appendicitis. Yep. Glad I got health insurance, otherwise, I could have been given Tylenol and turned away. Most people with appendicitis only have pain in their right side. I had pain in my entire body, I was throwing up at least twice per MINUTE, dry heaving for an hour straight, I had a horrific fever, I was in so much pain that I couldn't move. They thought that I was on drugs and in withdrawal or overdose or something. My symptoms were different because, according to the doctor, my organs are very tightly wound together which is what caused their confusion and took them so long to treat me but they treated me.
Had I not had health insurance and gone into a regular clinic for this, like I said, I'd have probably been turned away or not even given a scan because I appeared to be on some serious fucking drugs due to having appendicitis. I'd have probably been waiting in the Emergency room for a long time and possibly could have also suffered from a ruptured appendix. This kind of shit happens to the uninsured all. of. the. time. And a lot of people who are uninsured are people just like you and me.
Take the risk and don't pay for it. I'm not saying you will 10/10 be corrected by the universe or any bullshit like that but dude... it happens to the best of us and trust me, when it happens, you'll be happy to have it there.
Yeah, I'm glad you had ins. for that too. :-) That little appendix thingy, what is its purpose for, other than to net you a surgery, lol. I think its either just a vestigial organ or its meant to repopulate your gut with healthy bacteria. Its not a difficult surgery now. They yank it out using laparoscopic techniques.
You could have got an appendectomy at a far lesser price outside the US. The prices here are jacked up and they vary all over the place, even in the same city. Once everyone has insurance, prices will have no reason to be kept in check unless regulations make it so. Just my initial theory. If I'm wrong? Great!
Used that appendectomy pricing as an example. You could get a fast flight abroad to have it done within hours, but that's probably not a good idea, lol.
Still, you should see the price differences of various medical treatments in the USA vs. the rest of the world. Higher pricing doesn't mean that you get better care either. Medical tourism is big now.
Health Costs: How the U.S. Compares With Other Countries
<a href="http://www.pbs.org/newshour/rundown/health-costs-how-the-us-compares-with-other-countries/" rel="nofollow">http://www.pbs.org/newshour/rundown/health-cost...</a>
Why U.S. Health Care Is Obscenely Expensive, In 12 Charts
<a href="http://www.huffingtonpost.com/2013/10/03/health-care-costs-_n_3998425.html" rel="nofollow">http://www.huffingtonpost.com/2013/10/03/health...</a>
An appendix removal can cost between $1.500 to $180,000 depending on where you take the surgery
<a href="http://www.nydailynews.com/life-style/health/study-hospitals-billings-shocks-researchers-appendix-removal-cost-1-500-180-000-depending-surgery-article-1.1066207" rel="nofollow">http://www.nydailynews.com/life-style/health/st...</a>
If anyone goes to an ER, they have to be fairly treated no matter their ability to pay. That's why you see crazy stories like a useless meth lab douche getting their third degree burns treated as if that person was the King of Siam. I'm sure hospitals use creative accounting to absorb the cost.
The only good thing about my choice is that I know there are two different price lists. There's the one for the insured crowd (price is no object), and there's the cash price list which looks reasonable by comparison. I do use medical sometimes, and I ask about paying in cash. Doctors seem to like it. They don't have to deal with any paper work, and they get paid up front.
If I can get a ridiculous cheapo plan that doesn't have an insane high deductible, I would take it. I do annual checks which I pay in CASH. So far, nothing bad. Even my Dr's will tell me, don't worry about not having health insurance. Sure, I could keel over. I could eat the tainted cilantro at the salad bar and end up in the ICU.
Not having to spend $300 per month means I sleep more soundly which keeps me OUT of the Dr's office. Lack of bills is peaceful. Don't you all know that stress is what kills Americans?
Nah, don't need it. I have had accidents and crap. Whatever policy I can afford won't be good enough. I think its a waste of money. My parents insurance? Never used it. Thats a waste of money. Insurance is great for those who can pay for it. I see it as a $300 per month money drain much like paying for a car, or gas, or phones. I learned how to be cheap.