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

[JAshburne (JAshburne]

You guys are right.
 
John
 
 
In a message dated 11/14/2009 8:20:30 A.M. Eastern Standard Time,  
l02turner [at] comcast.net writes:

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


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--------------------------------------------------
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
>>
>>
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