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Old 03-04-2010, 01:11 PM   #81
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Hang in there and good luck.
Thanks, Surreal. Best of luck to you, too.

In talking to advisers, voc. counselors, etc., I keep hearing about how good the pay in my field will be. I've already been living poor for so long, I don't even care about the money. All I care about is the insurance. Not eventually buying a house or a nice car, but just being able to go to the doctor.

By the time I graduate, with my field being in demand not just in the US, I may look at moving north and changing my citizenship. Whatever is best in the long run for myself and my family. I would rather be a healthy Canadian than a dead American.
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Old 03-04-2010, 01:19 PM   #82
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I really want someone to explain to me why a voucher system wouldn't work. It would encourage competition and would ensure that even the poorest people can get the most basic health coverage. People who don't want the government option don't have to take it, and everyone who wants it can. Why is this option not on the table?
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Old 03-04-2010, 01:21 PM   #83
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I really want someone to explain to me why a voucher system wouldn't work. It would encourage competition and would ensure that even the poorest people can get the most basic health coverage. People who don't want the government option don't have to take it, and everyone who wants it can. Why is this option not on the table?
Because insurance companies own lots of legislators.
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Old 03-04-2010, 01:25 PM   #84
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While I don't wish joblessness on anyone (lord knows I'm seeing how it effects so many around me), I don't see how keeping one industry employed is a reason for keeping a failed system that effects the country as a whole.
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Old 03-04-2010, 01:43 PM   #85
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I really want someone to explain to me why a voucher system wouldn't work. It would encourage competition and would ensure that even the poorest people can get the most basic health coverage. People who don't want the government option don't have to take it, and everyone who wants it can. Why is this option not on the table?
A two tiered system would bring a whole new set of problems... thats why people are against it in canada.
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Old 03-04-2010, 02:01 PM   #86
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To me $100 would be a wonderful premium to pay. I was paying $660 a month and this year it would have gone up to $750 a month. I could make a house payment with that amount. I got lucky though and am now on Medicare so my monthly payment is only $286 a month. That is still a freaking amount of money to pay every month. I don't think that the $100 monthly premium is what you are having a problem with. I believe it is the fact that the school you are going to requires you to have health insurance. I am sure you have already checked into grants and spoken with your advisors regarding this. I would do my bitching at the school, they are the only ones that can do anything about it. Regardless of the amount of my premium, many things I went with out to have it, I am glad I had it. My last hospital bill was $35,000. Without insurance I would probably have lost my house.
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Old 03-04-2010, 02:14 PM   #87
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To me $100 would be a wonderful premium to pay. I was paying $660 a month and this year it would have gone up to $750 a month. I could make a house payment with that amount. I got lucky though and am now on Medicare so my monthly payment is only $286 a month. That is still a freaking amount of money to pay every month. I don't think that the $100 monthly premium is what you are having a problem with. I believe it is the fact that the school you are going to requires you to have health insurance. I am sure you have already checked into grants and spoken with your advisors regarding this. I would do my bitching at the school, they are the only ones that can do anything about it. Regardless of the amount of my premium, many things I went with out to have it, I am glad I had it. My last hospital bill was $35,000. Without insurance I would probably have lost my house.
Well the last time I needed insurance my bill ran close to 200K and I did lose my house because my insurance was tied to my job. Most of that I paid out of pocket.

I think you missed my point that the coverage is essentially useless. With a 10K deductable and 30% copay, any problem serious enough to use it would ruin me anyway. For example, the 200K bill would be 130K. The 70K the insurance would pay wouldn't make a bit of difference.

I'm in the Nursing program. It makes absolute sense that I have medical coverage since my clinical rotations will be in hospitals with sick people.

What doesn't make sense is living in supposedly the leader of the free world, yet we don't have universal health care.
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Old 03-04-2010, 02:18 PM   #88
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We have the most expensive health care in the world because of $15 tongue depressors and $1000/day hospital stays just to have blood pressure taken and pills administered.

But no one is bitching about or trying to reign in those costs.

Go figure.
People are concerned about other people wasted medical costs. Not their own.
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Old 03-04-2010, 04:28 PM   #89
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Got back from a dental place earlier today. To fix my teeth....52,206$.

We're unamused.
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Old 03-04-2010, 05:14 PM   #90
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Got back from a dental place earlier today. To fix my teeth....52,206$.

We're unamused.
That's like buying a fucking house.
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Old 03-04-2010, 06:00 PM   #91
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Holy SHIT, Dan.

Maybe cross the border? Mexico frequently offers really good dental for much, much less than we charge here...

(It's going to be a few thou for mine. Ow.)
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Old 03-04-2010, 06:14 PM   #92
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Got back from a dental place earlier today. To fix my teeth....52,206$.

We're unamused.
What the fuck are you having done, solid gold implants?



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Old 03-04-2010, 06:16 PM   #93
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Got back from a dental place earlier today. To fix my teeth....52,206$.

We're unamused.

Come to Canada for the work... its much cheaper, especially if you tell the dentist your paying in cash.
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Old 03-04-2010, 06:17 PM   #94
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A root canal and filling cost me $10 here in calgary a couple of years ago.
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Old 03-04-2010, 06:27 PM   #95
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The absolute best price I could find was $100/month with a $10,000 deductable, 30% coinsurance and no coverage for anything like office visits, preventative care. In other words, pretty much useless since 10K + 30% of anything serious is enough to break you. And honestly... I don't know if I can swing this.
All the other stuff you said, all I can do is nod.

As for this: have you tried calling your local Chamber of Commerce? I ask because the one thing the Chamber I managed did right was to provide a group plan for DBAs that allowed local contractors to afford health insurance without going broke.
Caveat: you had to join the Chamber [$200/ year].
If you can set up a DBA [free, online], and your local Chamber is cheap enough, and their DBA-group plan is cheap enough, you might be able to beat the numbers above. Please to check it out.

AND:
http://www.student-health-insurance-...c=39&adv=1&kw=[student+health+insurance+plans]&tk=Z29vZ2xlLGRvbWFpbnNfMSxTVFVERU5ULUhFQUxUSC1JTl NVUkFOQ0UtUkFURVMuQ09NLHN0dWRlbnQgaGVhbHRoIGluc3Vy YW5jZSBwbGFucyxbc3R1ZGVudCBoZWFsdGggaW5zdXJhbmNlIH BsYW5zXQ%3d%3d&gclid=CIuurYOfoKACFQk65QodeC46aw&us ck=1
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Old 03-04-2010, 06:32 PM   #96
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Got back from a dental place earlier today. To fix my teeth....52,206$.

We're unamused.
Sounds like titanium implants? I've heard they can run $10-15,000 per.

Or a typo.

Wow that's alot. A root canal ran me around $1200 for one molar.
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Old 03-04-2010, 06:33 PM   #97
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What the fuck are you having done, solid gold implants?

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No. Regular implants. I've thought about Mexico. And I've thought about Canadia. I am still figuring it out.
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Old 03-04-2010, 06:44 PM   #98
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Sounds like titanium implants? I've heard they can run $10-15,000 per.
Well it's more one piece on top and one on the bottom. Titanium screws. I have to use the titanium as I am allergic to nickel so Surgical steel is out
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Old 03-04-2010, 10:00 PM   #99
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at 52k get a bridge or nice partial instead
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Old 03-04-2010, 10:05 PM   #100
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at 52k get a bridge or nice partial instead
I will carve you a really nice set out of wood for half that price !!
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Old 03-04-2010, 10:17 PM   #101
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Geezus, I'd rather just stick with gums and soup for the rest of my life than pay that for teeth.
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Old 03-04-2010, 10:17 PM   #102
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I will carve you a really nice set out of wood for half that price !!
It was good enough for George Washington.

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Old 03-04-2010, 10:34 PM   #103
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at 52k get a bridge or nice partial instead
Good idea except I pretty much need all of them replaced.
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Old 03-05-2010, 01:44 AM   #104
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Got back from a dental place earlier today. To fix my teeth....52,206$.

We're unamused.
Holy shit!

Coyote's suggestion is a good one. I've had my teeth worked on my Mexico-trained dentists and except for not having all the bells & whistles in equipment, the work was fine.

You need to do a little leg work first. Make sure they autoclave their tools and if you're getting fillings and bridge work, investigate the materials, but at that price, sounds worth it.

Example of the price difference. I had a wisdom tooth out for $25.
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Old 03-05-2010, 01:47 AM   #105
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Good idea except I pretty much need all of them replaced.
I hear you. I had good friend whose teeth were rotting away at the gum lines - nothing to do with hygiene, something else. She ended up in Costa Rica (as I recall).
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Old 03-05-2010, 02:22 AM   #106
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One thing we don't have is dental. My kids teeth are great and looked after. Mine are a sad and sorry state. Meh.
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Old 03-05-2010, 04:28 AM   #107
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With dental insurance, I have one hell of a bill still from my middle daughter that I'm sure we will still be paying on even after those teeth fall out.
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Old 03-05-2010, 08:18 AM   #108
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Costa Rica is a good place for dental vacationing, even better than Mexico. And if you're going to pay 52k for implants here, any alternative makes sense.

(I've spoken to a friend who is planning on moving to Costa Rica, in part because of the dental situation - frequently American expat dentists move down there and have high-quality dental machines. Plus, the place he's planning to use, there's a luxury hotel across the street - that costs less than a La Quinta...)
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Old 03-05-2010, 09:22 AM   #109
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Mmm Costa Rica. I like Costa Rica. It's nicer than Mexico. Beaches are better too.

*begins searching online*
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Old 03-05-2010, 09:38 AM   #110
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I confess I laugh my ass off when I hear people talking about how the US has the best health care in the world. I know at least a dozen people who have traveled abroad to get something they could afford.

Medical Vacations: The Retiree Health-Care Solution?
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In the Western Hemisphere, Costa Rica is currently the "in" destination for travelers, especially for dental and cosmetic surgery needs.
And not only can you save money, but you can up your chance of not dying.

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According to 2005 statistics from the University of Delaware, Escorts Heart Institute in Delhi and Faridabad, India, performs nearly 15,000 heart operations every year, and the death rate among patients during surgery is only 0.8 percent -- less than half that of most major hospitals in the United States.
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Old 03-05-2010, 09:50 AM   #111
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I just found out I'll have to pay an extra $1000/semester for health insurance if I wanna go. Now I have to nag the college to find out exactly what that covers and if my stuff will be included. If not I have to go shopping and I still don't completely understand what's going on with it all so if that happens I'm stuck.

Surreal.

At least at home I know I can go see my doctor, get emergency treatment without worrying. Blood tests, xrays, scan etc all on the NHS. Only thing I have to pay for is prescriptions, and that's only £7 per item...bargain - though I could get that free if I could be bothered filling forms out.
I can see me delaying any issues till I can get home and see my own doctor.

I really don't see the issues with a health service for everyone. The NHS is probably the best thing we've got going for us here, I'd much rather be able to know I can go to A&E without stressing that I might lose my house or whatever. The stress of money issues isn't exactly conducive to getting over illness.
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Old 03-05-2010, 12:20 PM   #112
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Holy crap! I misread your post. I thought the 5 was a $ and it was 2k not 52k. That's ludicrous! Time for a Costa Rico vacation my friend.
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Old 03-06-2010, 08:39 AM   #113
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Old 03-06-2010, 12:48 PM   #114
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I'm not crazy about public health care paying $52,000 for dental work.

Everyone in this thread is outraged by it too.

I'm 100% for public healthcare, but if you think prices are outrageous now, put a government agency between you and your checkbook. I worked in an insurance claims dept before and I saw the outrageous bills come in. People weren't interested in how much the bill was for, they were interested in getting their insurance company to pay for it. All the company did was raise rates in response and the spiral continues to this day.

Whatever reform gets done needs to ratchet down prices. A vitamin that sells for 50 cents at the grocery store is not, nor shall it ever be worth $20.00 at a hospital. (True story).

Another thing. Eliminate malpractice suits in favor of license loss and prison.

Last edited by Fatz; 03-06-2010 at 12:50 PM.
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Old 03-06-2010, 12:54 PM   #115
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I'm not crazy about public health care paying $52,000 for dental work.
When people have dental insurance, especially those that cover cleanings and exams, they tend to identify and fix small problems before they get huge.
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Old 03-06-2010, 01:21 PM   #116
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I'm not crazy about public health care paying $52,000 for dental work.
They can just take it out of the 40k I put in this year to taxes and I can pay the rest.


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I'm 100% for public healthcare, but if you think prices are outrageous now, put a government agency between you and your checkbook. I worked in an insurance claims dept before and I saw the outrageous bills come in. People weren't interested in how much the bill was for, they were interested in getting their insurance company to pay for it. All the company did was raise rates in response and the spiral continues to this day.
I worked for Uncle Sam. And sadly it's true. When working with the government the quickest way from Point A to Point B is straight through Z.

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Whatever reform gets done needs to ratchet down prices. A vitamin that sells for 50 cents at the grocery store is not, nor shall it ever be worth $20.00 at a hospital. (True story).
Agree 100%. They also need to stop charging around 197USD to take your temp and blood pressure in the emergency room.


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Another thing. Eliminate malpractice suits in favor of license loss and prison.
I agree in the case of criminal malpractice. Suspensions for the lesser offenses though.

The other thing they need to do is to ban drug commercials. Prices shot up once they were allowed to make as many commercials as they wanted about how your pecker needs to be up all the time and you might have the latest bout of depression coupled with having to take a leak all the time.
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Old 03-06-2010, 01:22 PM   #117
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When people have dental insurance, especially those that cover cleanings and exams, they tend to identify and fix small problems before they get huge.
To be honest, part of it was my own damn fault for going "Hey meth is an awesome idea". The other is just shitty genetics. My mom and dad both have fake teeth before 35.
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Old 03-06-2010, 01:25 PM   #118
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Originally Posted by Fatz View Post
Whatever reform gets done needs to ratchet down prices. A vitamin that sells for 50 cents at the grocery store is not, nor shall it ever be worth $20.00 at a hospital. (True story)..
Yeah, but they have to pay someone to open the bottle and walk it in to you.
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Old 03-06-2010, 01:44 PM   #119
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When people have dental insurance, especially those that cover cleanings and exams, they tend to identify and fix small problems before they get huge.
That's true, but it still doesnt change the fact that they're charging Dancien $52,000 for something you can get in another country (without a broken health care system) for a fraction of the price.
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Old 03-06-2010, 01:47 PM   #120
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The other thing they need to do is to ban drug commercials. Prices shot up once they were allowed to make as many commercials as they wanted about how your pecker needs to be up all the time and you might have the latest bout of depression coupled with having to take a leak all the time.
The strange thing about the "ask your doctor" campaign (the name for TV drug commercials) is that they actually work for the consumer. Much to everyone's surprise the "consumer outcomes" actually got better after drug companies we allowed to advertise. Patients asked more questions about medications from their doctors. Doctors became better educated about the choice of drugs and their efficacy.

I agree they are annoying as hell. I'm not sure if the rise in prices is directly related to an advertising budget though. More money was spent over the last couple decades flying doctors to fancy "conferences" and thing like that, which fortunately has been seriously curtailed.
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