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negusm
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Post by negusm »

ProTouringASC wrote:
negusm wrote:I hear you. I wouldn't mind an insurance plan that has a $20k deductable as a safety net. Sure $20k would hurt but at least I could dig myself out if I needed too. I could pay for the routine visits...

The problem again is prevention. We would need a system of carrots and sticks to make sure that people go see the doctor on a regular basis. Major medical alone simply won't curb the high cost the poor are putting on the hospitals that pass the ER costs on to us.
The problem is, you can't take away a person's right to be just plain stupid. If I smoke 6 packs of cigarettes a day, never get check ups, drink a 5th a night, and never bother to purchase insurance of any type, is it really societies responsibility to take care of me when I get sick?

I believe I have a right to reap what I sow, and if I sow well, I reap well, and if I sow poorly or not at all, I starve. Now do not think I am being callous here. If you do something stupid and reap the consequences of that stupidity, I feel for you. I also, where I can, want to help you if you are now trying to grow beyond your former stupidity, but I don't think society in general should have to pay for that.

Just so you'll know, I sure have enjoyed chatting about this with you. You have made your points well, and respectfully, and I hope I have done the same in return. I'm in Frederick, MD now, but we will soon be moving to the Oak Ridge/Knoxville, TN area. One day we'll have to meet up for a beer as this is just one aspect of a system that needs a complete overhaul. From taxes to jails, our system is broken, and I bet we could knock back a few while setting forth plans for its overhaul! Hmmm... they probably wouldn't listen to us though...

Shiny Side Up!
Bill
Yes, that is one good thing about this country. At least we can still debate each other respectfully.

-Mike
1985 ascMcLaren Coupe - Midnight Blue
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Kentennis
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$20,000.00 deductible

Post by Kentennis »

Is that $20,000.00 deductible per year? Or lifetime? It would make a great deal of difference to a person with a lingering, lengthy illness. An annual deductible for a 10 year treatment plan would be $200,000.00.
We could afford it, and undoubtedly you sure can, but can everyone else in here?

Just more food for thought.
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negusm
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Re: $20,000.00 deductible

Post by negusm »

Kentennis wrote:Is that $20,000.00 deductible per year? Or lifetime? It would make a great deal of difference to a person with a lingering, lengthy illness. An annual deductible for a 10 year treatment plan would be $200,000.00.
We could afford it, and undoubtedly you sure can, but can everyone else in here?

Just more food for thought.
Per year would hurt. I could barely manage something like that year after year.

I know some people can't afford $5k per year. I would tier it based on income. Make $100k...$20k deductable (tax free). Make $50k, $10k....etc

-Mike
1985 ascMcLaren Coupe - Midnight Blue
Under Restoration
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