Ferrari Mailing List: Re: Catastrohic Insurance Vs High Deductible - what's the diference?

[LarryT (l02turner]

The politicians also seem to believe that if someone doesn't have insurance 
(or a govt option) they will skip out on paying the bills.   If someone goes 
to the doc for a cold and doen;t have insurance, they pay the doc's $100 
visit fee, o to the drug store and buy the prescription.  Insurance doesn't 
come into play.  People can and many *do* operate this way.

The problem comes if surgery is needed - a knee replacement is around $80K 
and an appendectomy is $30k iirc - even those can be paid without insurance 
over time - but nit's not realistic.

This is where catastrophic insurance should come in.

Those who say catastrophic insurance may know something I don't but I looked 
at $5000 and $10000 deductibles.  Wouldn't that be considered catastrophic 
coverage?  I'm no expert - just asking the question.  I didn't buy it, but I 
bought a traditional policy when I worked as a outside contractor.

LarryT
74 911


OilAnalysis Time?
Looking for Weber Parts or Porsche Posters?
www.youroil.net



--------------------------------------------------
From: "Ken Rentiers" <rentiers [at] me.com>
Sent: Saturday, November 14, 2009 1:13 AM
To: "Larry Turner" <l02turner [at] comcast.net>
Cc: "The FerrariList" <ferrari [at] ferrarilist.com>
Subject: Re: [Ferrari] Politics - Not List Material

> If routine dr visits were cash on the barrelhead, no coding, no
> submitting claims, no third party insurer, I guarantee you costs would
> drop by two- thirds overnight.
>
> The kenverine
> Been there
> Done that
>
> Sent from my iPhone
>
> On Nov 13, 2009, at 11:54 PM, Todd Walke <racertod [at] racertodd.com> wrote:
>
> > Michael wrote:
> >
> > > Good for them - the rest of us get rationed healthcare today based
> > > on our
> > > income and job status.
> >
> >         Guess what?  Everything in life is rationed by income.
> >         I'd like to drive a Ferrari.  Can't, don't have the income.
> > I'd
> > like to live in a 50-room mansion in the Hamptons.  Can't, don't
> > have the
> > income.  I'd like to wear a $10,000 Armani suit.  Can't, don't have
> > the
> > income.  I'd like to eat filet mignon, caviar and French truffles
> > everyday.  Can't, don't have the income.
> >         Do I whine and demand that my fellow citizens provide all
> > this for
> > me?  No.  I drive a Golf, rent a place, wear Dockers and eat cheap
> > steak.
> >         Why should a service like heath care be any different?
> >         Want to cut health care costs?  Get the government out of
> > it.  Our
> > state, like every other, requires every heath care policy to cover
> > 50-60
> > different procedures.  Want to sell me a cheap policy that only covers
> > catastrophic care?  Can't - it's illegal.  All that regulation
> > increases
> > the cost of the policy.  Cut regulations, let companies sell
> > policies in
> > any state, kill the lawsuits with tort reform.  What do you know,
> > that's
> > the GOP alternative plan: http://www.gop.gov/solutions/healthcare
> >         Private business is dying to sell me the health care I need
> > at a
> > price point I can afford, if only the power of the free market is
> > unleashed.  Just as they are dying to sell me the cars, clothing,
> > food and
> > everything else I need at a price point I can afford.
> >         Viva Capitalism!  Viva Freedom!  Viva Individualism!  Screw
> > the
> > Soviet Socialist "Progressives" that took over the Democrat Party!
> >
> >
> > Todd
> > Seattle,WA
> > '86 GTI, Red of course. (exciting racey car) 270,000 miles
> > '01 Golf TDI, silver.   (new work car)       223,000 miles
> > '87 Golf, Polar Silver. (retired work car)   654,000 miles <- Gone
> > to a new
> > home :(
> > http://www.pureluckdesign.com <-Ferrari & VW stuff
> >
> >
> > _________________________________________________________________
> > To unsubscribe or modify your subscription options, please visit:
> > http://lists.ferrarilist.com/mailman/options/ferrari/rentiers%40mail.com
> >
> > Sponsored by BooyahMedia.com
> > and F1 Headlines
> > http://www.F1Headlines.com/
> _________________________________________________________________
> To unsubscribe or modify your subscription options, please visit:
> http://lists.ferrarilist.com/mailman/options/ferrari/l02turner%40comcast.net
>
> Sponsored by BooyahMedia.com
> and F1 Headlines
> http://www.F1Headlines.com/