$280,000 Health Costs After Medicare Over Couple"s Lifetime

Lethe200 said:
Having known someone who died because they WERE NOT wearing their seat belt and were thrown through the windshield, I'm not in agreement with you, sorry.

Like having to wear helmets when riding motorcycles and bikes, someone's right to be "unencumbered" needs to end at my having to pay their medical bills for Emergency and Medicaid care just because they figured they were too healthy and/or young to need to buy any medical insurance.

I sincerely hope none of the folks here ever have the need for long-term Skilled Nursing care. Because there is no "big brother" to pay for it for you, and what Medicaid safety net exists is rapidly being emasculated. The Medicaid-only nursing facilities are mostly a disgrace in this country.

And it's always been ridiculous to call the ACA "Obamacare" since it's actually "Romneycare", a modified version of the universal healthcare that Richard Nixon was a firm believer in.
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I never said it was a good idea to go without seat belts or a helmet. Only that it's not the job of the guberment to force people to use them. And as far as Obamacare, even Obama proudly called the ACA by that name.

Freedom is not being compelled to do what's right. It's the freedom to do what is stupid.

While I'm sure you will disagree with me (I'm a libertarian and obviously you're quite a bit to the left), I can't find where the Constitution allows the feds to do most of what they do.

Rick
 

i am not in favor of so much gov't regulation of things , but you can't fix stupid and sometimes it takes laws to TRY to keep people from themselves . many times their actions effect others
 
mathjak107 said:
i am not in favor of so much gov't regulation of things , but you can't fix stupid and sometimes it takes laws to TRY to keep people from themselves . many times their actions effect others
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Why is it up to the government to protect us from ourselves? Who's job is it to "fix stupid."

Laws should ONLY be to protect people from the action of others. And perhaps get back to what the Constitution allows.

Sorry for the political post. I'll lay off this stuff.

Rick
 

GreenSky said:
Why is it up to the government to protect us from ourselves? Who's job is it to "fix stupid."

Laws should ONLY be to protect people from the action of others. And perhaps get back to what the Constitution allows.

Sorry for the political post. I'll lay off this stuff.

Rick
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exactly what i said . when someone does not wear a seat belt or texts while driving and crashes both our insurance rates and health insurance are effected because it is us who has to pay for them . insurance is pooled risk where we all pay as a group for what happens to others in the pool . while they may get a rate rise themselves for it collectively we all do to because their increase does not cover the consequences.
 
mathjak107 said:
exactly what i said . when someone does not wear a seat belt or texts while driving and crashes both our insurance rates and health insurance are effected because it is us who has to pay for them . insurance is pooled risk where we all pay as a group for what happens to others in the pool . while they may get a rate rise themselves for it collectively we all do to because their increase does not cover the consequences.
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Then let's get rid of all fast food, candy, cookies, fatty meat, etc. All these add to the possibility of heart attack and stroke. That raises the cost of insurance, doesn't it? In fact, living in cold climates adds to the risk. How about moving people out of hurricane zones, earthquake zones, etc. Small cars are more dangerous that large cars. That adds to the cost of health insurance doesn't it?

Not to mention people using modern health care to live longer. That is really the biggest driver of health care costs.

You can't pick your freedoms.

When is too much government enough for you?

Rick
 
Lara said:
I didn't know Medicare covers 100 days of skilled nursing so I called Medicare for particulars. You have to be in a hospital for 3 days to qualify and there is a deductible of $1,340. There is also a co-pay of of $164 per day after the first 20 days. Medicare Supplement PlanN pays that deductible and and I think the co-pay for a certain amount of days...but i would verify that. You have to pay over $100 a month to add PlanN. It's complicated.
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More specifically, you must be admitted to the hospital for those 3 full days to qualify. Your date of discharge is not considered as part of the 3 days. Many people are not aware that very often, particularly in emergency care, the hospital is keeping the patient "for observation."

If you are "under observation" that is not considered admittance. Thus, it will not qualify for Medicare reimbursement.

Also, Medicare does not automatically give you 100 days of full payment. It's a complex system depending on a number of factors. There is a difference, for example, between Skilled Nursing Facility care and Custodial Care. Medicare pays for one, but not the other.

Anyone with Medicare questions should start first with the Medicare website. It's really well-designed and an excellent source of "plain English" booklets.

Here's the one you want to read about Skilled Nursing Facility reimbursements/coinsurance:
https://www.medicare.gov/Pubs/pdf/10153.pdf
 

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