Palin pick?

iVillage Member
Registered: 10-06-2004
Palin pick?
204
Wed, 09-03-2008 - 2:02pm

Palin pick?



  • Always planned on voting for McCain
  • Now voting for McCain because of pick
  • Now voting for Obama because of pick
  • Always planned on voting for Obama


You will be able to change your vote.


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iVillage Member
Registered: 03-26-2003
In reply to: schimzoegirl
Fri, 09-19-2008 - 7:07am

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I disagree with you, but I'm pretty sure

iVillage Member
Registered: 05-14-2008
In reply to: schimzoegirl
Fri, 09-19-2008 - 9:37am

You do realize though that they system is responsible for much of the high costs in the first place?

Unfortunately we don't pay true value for the care we received.

This is a large part of the problem. It shouldn't cost $150 to walk into the doctor's office so he can look in your ear and write you a prescription for some antibiotics. Maybe half that amount.....

Had a kid with a slight ankle fracture who had a cast put on it for several weeks. When I received the bill it was $1500. Why? Doctor assumed I had insurance. Well I did, but I have to pay the first $10,000 out of pocket.

So I wrote a letter and explained that my insurance company was not covering any of this "cost". Result: bill reduced to actual cost of service for a cash paying customer. If I recall it was $350 and no further charges to remove the cast at a later date.

Now it is very likely had my "insurance" covered the procedure I wouldn't have negotiated anything nor questioned the charges. Afterall isn't that what I'm paying so much in insurance for?

I firmly believe it's because consumers are so isolated from the costs that they've not shown more outrage at the charges--can't be outraged at what is so transparent. People should be responsible for their own costs and only then will they come down. Insurance should be for catastrophic situations only--i.e. once the individual has paid so much out of pocket the catastrophic coverage would cover the rest.

I'm all for paying my own way--for the fair price of care, but to expect the consumer to pay prices that are blown way out of proportion--that's not reasonable. I'd sooner leave the country if I required extensive care.

iVillage Member
Registered: 10-26-2003
In reply to: schimzoegirl
Fri, 09-19-2008 - 9:50am

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on the one hand, if they don't need it, then it shouldn't cost the government much.

on the other hand, from the perspective of a Family Practitioner/Pediatrician, yes your child needs an annual check-up so they do need to be covered for the unexpected chronic illness that develop. Many conditions can appear past the age of 4 when most immunizations are complete - plus there are several new guidelines about boosters in later childhood.

healthcare should be about prevention but ultimately healthcare is about the unexpected illness or accident, and children are not immune from either.

Bea

iVillage Member
Registered: 12-10-2007
In reply to: schimzoegirl
Fri, 09-19-2008 - 9:53am

<<They have found a way to get some companies to provide the state minimum for car insurance for high risk drivers.

iVillage Member
Registered: 10-26-2003
In reply to: schimzoegirl
Fri, 09-19-2008 - 10:05am

wow. i have some physician friends who would like to educate you on the cost of their medical education, the cost of running a practice, the difficulty of reimbursement, the outlay for vaccines, the cost of malpractice insurance, the cost of tests and labs. oh, and continuing education. if they see 40 patients a day, you are expecting them to cover all that for $3000 a day. your doctor did you a huge favor by reducing your bill - and passed the cost to someone like me who is insured.

had your insurance covered the procedure, they would have told him/her what to expect as reimbursement in advance, based on negotiations to keep their costs down. don't worry that they are getting hoodwinked.

Bea

iVillage Member
Registered: 08-30-2004
In reply to: schimzoegirl
Fri, 09-19-2008 - 10:07am

"I think EMC had an excellent point - there are already government programs in place for families who can't afford coverage. And while I don't agree they are the best - low income families DO have that option. I'm honestly not sure how there is anyone without healthcare coverage, especially children. I've seen firsthand that these programs ARE offered for low income families...but, as EMC pointed out, you DON'T get very good treatment. Why expand a program that, while it is available, doesn't provide very good care? On the other hand - it is better than no healthcare a tall."


I'm not sure what coverage you're talking about where you don't get good treatment??

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iVillage Member
Registered: 12-10-2007
In reply to: schimzoegirl
Fri, 09-19-2008 - 10:12am

As I stated, I'm talking about Medicaid.


Nor am I saying this happens in all incidences - but in MY personal experience, my son and I did NOT get the same care that I have received being on private insurance.

iVillage Member
Registered: 08-30-2004
In reply to: schimzoegirl
Fri, 09-19-2008 - 12:19pm

"But actually you're wrong. It's wrong to force a business to borrow money to pay taxes in a certain quarter when the bulk of their revenue is earned in another quarter. The payments are supposed to be spread equally--they don't really care that you may have earned nothing in the second quarter and 50% of your profits in the 4th. If you pay too little in the second quarter, you're penalized. It matters not if you made up for it later."


I'm only "wrong" for YOUR particular business.

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iVillage Member
Registered: 08-30-2004
In reply to: schimzoegirl
Fri, 09-19-2008 - 12:39pm

"It is not working for many reasons however one of the largest is the lack of reimburesment providers receive from governmental programs.

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iVillage Member
Registered: 08-30-2004
In reply to: schimzoegirl
Fri, 09-19-2008 - 12:42pm

"I'm sure I'm missing something, but is it a legal requirement that all companies provide insurance to their employees, or is it a perk we as Americans have come to expect?"


No, it's not required.

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