Oh, and from the other end ... just try to find a doctor who will even accept one of those cheapo plans. Lots of them won't even accept Medicare anymore. Nobody even wants to get into primary
care anymore because 75% of what they do is fight with ins companies trying to even get paid
(it's the stall as long as you can tactic), and because lots of them are going broke before they even
get their med school bills paid off. They don't have much time left over for actual medicine. So everyone wants to be a referral specialist for a good reason. The ins companies would make their lives hell otherwise. The way it's going, nearly all our new primary physicians are coming from other
countries, and even with that, there aren't enough of them. It's getting to be a tough field.
Where did I ever claim to make a living shooting film? I am a rank amateur!
Originally Posted by brianmquinn
I'm pretty familiar with PPO's, HMO's, and even other options because I've been enlisted in all the
above and currently have a choice of any of em here at the company. We're currently on the Kaiser
which is fairly unique (self-insured hospitals, generally state-of-the-art, now that they've finally
got control of the significant ins fraud incidents which bled their profits in past decades). Pros and
cons all around, depending on where you live. I some rural areas health is more affordable simply
because land is cheaper for clinics, cost of living for doctors themselves, etc. We know all kinds of
doctors - some are going broke, a few are getting slimy rich (sometimes with a little ins and Medicare
fraud on the side), and others have opted out of conventional practice and chosen careers in
medical research or teaching, just to avoid the ratrace. Some are working over a hundred hours a
week and effectively making $16 an hour by the time they pay their malpractice premiums.
Finally a post from you that we can all agree on.
Originally Posted by RattyMouse
Now since you admit to being an amateur stop acting like you are smarter than everyone else on APUG.
Also please stick to the subject of analog photography.
Like I said previously, people, individuals, generally do not pay for health insurance. Normally, the company pays or, you go without. Very, very few individuals actually have any idea what it costs.
Originally Posted by Steve Smith
People also do not realize the tremendous financial burden the uninsured and medicare patients are upon hospitals that accept these patients. Medicare typically only pays providers 20% of the provider's actual cost. (yes, cost not price).
Exactly correct. People outside of the health care industry do not ever see or think about this but, you've got it spot on.
Originally Posted by DREW WILEY
Well I am lucky. Here we have an excellent union negotiator. Even though I'm non-union myself, and
previously was on a limted mgt plan, the current union contract is win/win. Instead of having a fight
or strike over maintaining health benefits, the got the union to allow non-union employees into the
same plan, hence increasing their own buying power while potentially allowing even the company owners to get a better health plan themselves. It's the kind of thing that can happen when people
work together to solve problems rather than resorting to ideological extremes like we are witnessing
in Congress these days.
And PS ... why the hell aren't there insurance pools for pro photographers? There once was (a feeble attempt to keep this on topic, but a relevant one).
Sorry Brian. This was my doing that sent this post so off track. If it makes you feel better it is loosely related to photography through the Kodak link originally posted by RattyMouse, but of course you probably knew that. There are a whole lot of posts on this site that are much more directly related to analogue photography so, if it makes you feel better, feel free to ignore this one and go read the others.
Originally Posted by brianmquinn
Everyone have a great weekend. :)