Religion, Politics and World Events They make great dinner conversation, don't you think? plus Political Film

Middle class healthcare. The real donut hole.

Old 10-27-07, 11:27 PM
  #1  
DVD Talk Legend
Thread Starter
 
Join Date: Oct 1999
Location: in Bush territory!
Posts: 11,613
Middle class healthcare. The real donut hole.

It seems a fair majority of members have expressed opposition against federal sanctioned healthcare.....for some legitimate reasons. I'm just curious if anyone else (besides me) has noticed the recent trends in health coverage? Mainly, the growing gap in coverage amongst the middle class working adults. Many are getting dropped or paying a greater portion out of pocket nowadays.

The affluent either possess coverage or have the resources to pay for adequate healthcare. Many poor are often covered by state sponsored health programs for the needy such as MassHealth, MediCal, Medicaid (via federal) etc. Children, retirees, and the disabled have their own programs. It seems unfair to insure only low-income individuals simply due to unaffordability, when those who are slightly better off cannot afford insurance either. At what point do you think this problem will get addressed? The clock is ticking.
wabio is offline  
Old 10-28-07, 11:31 AM
  #2  
Admin-Thanos
 
VinVega's Avatar
 
Join Date: Nov 2000
Location: Caught between the moon and NYC
Posts: 31,015
My health insurance plan for me and my wife through my company would be nearly $400 a month. Luckily my wife is a state employee and gets the same Blue Cross and Blue Shield coverage for $180 a month. Yay government subsidized healthcare!
VinVega is offline  
Old 10-28-07, 11:43 AM
  #3  
DVD Talk Hero
 
Th0r S1mpson's Avatar
 
Join Date: Apr 1999
Location: Seattle, WA
Posts: 36,443
We just moved to Colorado and it sucks finding healthcare for our entire 3-person family. Mucho $$$. It looks now like we won't have maternity coverage either when we have our next kid, which is a bit scary. They treat it like a pre-existing condition, which means if we <i>get</i> pregnant within the next 9 months (not already pregnant) then the maternity rider (which we are already paying for) is cancelled. It's stupid and I might cancel it altogether. I don't want to plan our family based on when our insurance company thinks we should have a kid.
Th0r S1mpson is offline  
Old 10-28-07, 11:49 AM
  #4  
DVD Talk Hero
 
Join Date: Sep 2003
Location: Portland, OR
Posts: 25,062
My premium is paid for by my employer and I just have to pay copays, so no. But I'm single and not popping out kids.

That reminds me, I need to start doing research for what second HDTV to buy.
Tracer Bullet is offline  
Old 10-28-07, 01:31 PM
  #5  
Senior Member
 
Join Date: Aug 2001
Posts: 620
I am a union electrician so no worries for my health insurance, at least right now. Just copays for my wife, son and myself.
sjrab16 is offline  
Old 10-28-07, 07:37 PM
  #6  
DVD Talk Special Edition
 
Join Date: Nov 1999
Location: Waterford, MI
Posts: 1,112
I just switched jobs. My old job was giving me blue care network and subsidizing part of the cost so that it only cost me about $220/month for HMO coverage. My new job manages their own health care and I can either have a PP for $380/month or a "HIGH Deductible" plan for $200/month. These prices are for me and my wife, no kids. I'm pretty much having to go with the high deductible plan ($2500/year deductible) just because I really can't afford to be paying about $400/month on health care. It's ridiculous.

Michael
fiver is offline  
Old 10-28-07, 09:54 PM
  #7  
DVD Talk Special Edition
 
girlnextdoor's Avatar
 
Join Date: Dec 2003
Location: Geaux LSU
Posts: 1,418
I just switched jobs and my portion of my insurance more than doubled. I had talked with the HR representative at my new employer before I accepted the job, but I misunderstood exactly how the insurance worked except that I am preganat and the new insurance will cover it. I have a $3000 deductible for each calander year and will not have this baby until Feb. I will pay $6000 for this child birth.
girlnextdoor is offline  
Old 10-28-07, 10:09 PM
  #8  
X
Administrator
 
X's Avatar
 
Join Date: Oct 1987
Location: AA-
Posts: 10,676
Originally Posted by girlnextdoor
I just switched jobs and my portion of my insurance more than doubled. I had talked with the HR representative at my new employer before I accepted the job, but I misunderstood exactly how the insurance worked except that I am preganat and the new insurance will cover it. I have a $3000 deductible for each calander year and will not have this baby until Feb. I will pay $6000 for this child birth.
Who do you think should be paying for it?
X is offline  
Old 10-28-07, 11:18 PM
  #9  
DVD Talk God
 
kvrdave's Avatar
 
Join Date: Aug 1999
Location: Pacific NW
Posts: 86,200
This is a tough one. Insurance for my family is throgh my wife's work as a school teacher. The total cost of the plan is about $1200 a month and the state kicks in about half of that. So we pay about $600 a month. That is higher than most pay that have posted on the topic and have a job that covers some, but it still seems like a great deal to me. If they didn't pay $600, we would be paying $1200 instead. Seems like a good deal.

For a single teacher, the amount the state kicks in covers everything, including dental and vision (we don't get those). Why should I expect that my spouses employer would care about MY coverage?
kvrdave is offline  
Old 10-29-07, 06:42 AM
  #10  
DVD Talk Hero
 
Join Date: Sep 2003
Location: Portland, OR
Posts: 25,062
Originally Posted by kvrdave
For a single teacher, the amount the state kicks in covers everything, including dental and vision (we don't get those). Why should I expect that my spouses employer would care about MY coverage?
Good question. If I were your spouse's employer I wouldn't care about you either.
Tracer Bullet is offline  
Old 10-29-07, 07:42 AM
  #11  
DVD Talk Hero
 
Join Date: Aug 2001
Location: in da cloud
Posts: 26,196
add up the cost of care you get and compare it to your premium
al_bundy is offline  
Old 10-29-07, 07:56 AM
  #12  
Moderator
 
wendersfan's Avatar
 
Join Date: Jun 2002
Location: Nuova Repubblica di SalÚ
Posts: 32,272
Originally Posted by shadowhawk2020
Fixed
<i>Mod note: Please read <a href = "http://forum.dvdtalk.com/showthread.php?t=448146">the forum rules</a>. There is no "fixing" of posts in the Politics forum. Thank you.</i>
wendersfan is offline  
Old 10-29-07, 08:09 AM
  #13  
DVD Talk God
 
Join Date: Feb 2000
Location: Directionally Challenged (for DirecTV)
Posts: 122,482
My coverage (which is high-end) is $75/mo. The regular coverage would be $60/mo.
Red Dog is offline  
Old 10-29-07, 08:37 AM
  #14  
DVD Talk Legend
 
Michael T Hudson's Avatar
 
Join Date: Dec 1999
Location: Formerly known as "BigDaddy"/Austin, TX
Posts: 11,359
Originally Posted by kvrdave
This is a tough one. Insurance for my family is throgh my wife's work as a school teacher. The total cost of the plan is about $1200 a month and the state kicks in about half of that. So we pay about $600 a month. That is higher than most pay that have posted on the topic and have a job that covers some, but it still seems like a great deal to me. If they didn't pay $600, we would be paying $1200 instead. Seems like a good deal.

For a single teacher, the amount the state kicks in covers everything, including dental and vision (we don't get those). Why should I expect that my spouses employer would care about MY coverage?

That is the same in Texas for my wife. She is on her plan and I am on my works plan. The family cost is even more than you pay right now.
Michael T Hudson is offline  
Old 10-29-07, 09:05 AM
  #15  
DVD Talk Legend
 
Join Date: Jan 2000
Posts: 16,173
Originally Posted by Red Dog
My coverage (which is high-end) is $75/mo. The regular coverage would be $60/mo.
You are single, no kids When that was me, I paid $16/month and had a $1000 deductable + $15-$25 copays with Aetna

Now with family coverage, I pay $200/month for Kaiser, + $15 copays (for the most part)

Had I stuck with Aetna, I would pay $400/month, and have $20-$35 copays.


The majority of the copays seemed to be the $35 ones with Aetna It's the subtle things that get you. My daughter was on asthma meds all year, Aetna would only fill 30 days for $35 for 3 meds each. Kaiser will fill 90 days for $15. HUGE difference at the end of the year.

But, yes, I agree, health care costs are getting higher for family coverage for the average worker.

Kids cost a fortune for medical these days.

I have looked at other employers where my part of the monthly payment would be $600-$800 and consider it a pay cut

We also have flexcomp accounts to help a little.
4KRG is offline  
Old 10-29-07, 09:09 AM
  #16  
DVD Talk God
 
Join Date: Jun 1999
Posts: 68,522
I'm on my own plan - BCBS - Federal Employee Retired

I'm on my own plan - Medicare Part A

I'm on my wife's plan - Health Choice - State of Oklahoma Employees

I'm going to need them all in a couple of months.
classicman2 is offline  
Old 10-29-07, 09:41 AM
  #17  
DVD Talk God
 
Join Date: Feb 2000
Location: Directionally Challenged (for DirecTV)
Posts: 122,482
If you have kids, you should pay a lot more. Plus under family coverages (at least from the companies I've worked for), it doesn't matter whether you have 1 kid or 10 kids, so people like me end up subsidizing the heavy breeders.

The high end family coverage for me would be $300. Standard is $200.

Last edited by Red Dog; 10-29-07 at 09:45 AM.
Red Dog is offline  
Old 10-29-07, 09:48 AM
  #18  
DVD Talk God
 
Join Date: Jun 1999
Posts: 68,522
And non-skiers in Colorado are subsidizing skiers in states like Colorado.
classicman2 is offline  
Old 10-29-07, 09:49 AM
  #19  
DVD Talk Limited Edition
 
Join Date: Aug 2000
Location: DVDTalk's Surgeon General
Posts: 5,507
Originally Posted by wendersfan
<i>Mod note: Please read <a href = "http://forum.dvdtalk.com/showthread.php?t=448146">the forum rules</a>. There is no "fixing" of posts in the Politics forum. Thank you.</i>

Deleted. Sorry
shadowhawk2020 is offline  
Old 10-29-07, 09:56 AM
  #20  
DVD Talk Legend
 
Join Date: Jan 2000
Posts: 16,173
Originally Posted by Red Dog
so people like me end up subsidizing the heavy breeders.
- yeah, your $75 is a HUGE subsidy - not even one Dr visit at full cost (which is about $120-$130)
4KRG is offline  
Old 10-29-07, 09:57 AM
  #21  
DVD Talk Legend
 
Join Date: Jan 2000
Posts: 16,173
Originally Posted by classicman2
I'm going to need them all in a couple of months.
Do any of those include mental health coverage? Just ask'in
4KRG is offline  
Old 10-29-07, 10:39 AM
  #22  
DVD Talk God
 
Join Date: Feb 2000
Location: Directionally Challenged (for DirecTV)
Posts: 122,482
Originally Posted by 4KRG
- yeah, your $75 is a HUGE subsidy - not even one Dr visit at full cost (which is about $120-$130)

Add all the single folks together and it is huge - particularly for the Brady Bunch families.
Red Dog is offline  
Old 10-29-07, 10:45 AM
  #23  
DVD Talk Legend
 
Join Date: Jan 2000
Posts: 16,173
Originally Posted by Red Dog
Add all the single folks together and it is huge - particularly for the Brady Bunch families.
I am not sure now many single people vs married people pay in, so you could be correct.

brady bunch families are not common anymore. Having 3 kids is a lot these days, most familes only having one

The trend is to start having kids in your late 30's and early 40's, there isn't enough time to have 5 kids anymore
4KRG is offline  
Old 10-29-07, 10:59 AM
  #24  
DVD Talk God
 
kvrdave's Avatar
 
Join Date: Aug 1999
Location: Pacific NW
Posts: 86,200
Originally Posted by Tracer Bullet
Good question. If I were your spouse's employer I wouldn't care about you either.
But since you aren't my wife's employer, that means you care about me.

kvrdave is offline  
Old 10-29-07, 11:21 AM
  #25  
DVD Talk Hero
 
Join Date: Sep 2003
Location: Portland, OR
Posts: 25,062
Originally Posted by kvrdave
But since you aren't my wife's employer, that means you care about me.

Damnit!
Tracer Bullet is offline  

Thread Tools
Search this Thread

Archive Advertising Cookie Policy Privacy Statement Terms of Service

Copyright © 2018 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.