View Poll Results: do you have healthcare
yes
200
83.68%
no
39
16.32%
Voters: 239. You may not vote on this poll
do you have healthcare ?
03-04-10, 05:45 PM
#1
Lost
Thread Starter
do you have healthcare ?
lets face it, riding around the roads on 16 lbs of carbon and aluminum has its risks. healthcare is such a prominent news topic as of late that it got me thinking on the drive home. how many of you have healthcare provided, and how many are just "rolling the dice"
this is primarily aimed at US citizens, but if you live in another country, and would like to briefly explain healthcare coverage i would also be very interested.
this is primarily aimed at US citizens, but if you live in another country, and would like to briefly explain healthcare coverage i would also be very interested.
03-04-10, 05:46 PM
#2
¯\_(ツ)_/¯
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lets face it, riding around the roads on 16 lbs of carbon and aluminum has its risks. healthcare is such a prominent news topic as of late that it got me thinking on the drive home. how many of you have healthcare provided, and how many are just "rolling the dice"
this is primarily aimed at US citizens, but if you live in another country, and would like to briefly explain healthcare coverage i would also be very interested.
this is primarily aimed at US citizens, but if you live in another country, and would like to briefly explain healthcare coverage i would also be very interested.
****!
03-04-10, 05:52 PM
#3
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I think I have excellent healthcare, auto, property/casualty and life....well I guess you only find out when it comes to collecting.
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03-04-10, 05:55 PM
#4
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As a cyclist moving to the US shortly (NY), could any one recommend an emergency-only insurance option? I retain my native health care and doctor, but dread the bill from a serious bike-related accident in the US. Any thoughts are GREATLY appreciated!
03-04-10, 05:57 PM
#5
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I buy my own via blue cross. the insurance option from my wife's company is too expensive. It sure paid off with the hernia surgery I had 2 weeks ago.
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Some sort of pithy irrelevant one-liner should go here.
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Some sort of pithy irrelevant one-liner should go here.
03-04-10, 06:06 PM
#6
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03-04-10, 06:17 PM
#7
Despite all my rage, I am
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I believe what you are talking about would be called catastrophic insurance. It is basically 100% insurance with a $5000 deductable. My job offers it and it is my understanding that you can purchase it as an individual as well.
03-04-10, 06:25 PM
#8
Hills hurt.. Couches kill
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Yes, I do have healthcare. Very good health care at that. I'd like to keep it.
03-04-10, 06:26 PM
#9
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Both the wife and I are covered, as I'm currently laid-off from the motorcycle shop, thank ghod for COBRA. The wife has Progressive Supraneuclear Palsey (PSP), so being uncovered in our place is not an option.
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Syke
“No one in this world, so far as I know — and I have searched the records for years, and employed agents to help me — has ever lost money by underestimating the intelligence of the great masses of the plain people. Nor has anyone ever lost public office thereby.”
H.L. Mencken, (1926)
Syke
“No one in this world, so far as I know — and I have searched the records for years, and employed agents to help me — has ever lost money by underestimating the intelligence of the great masses of the plain people. Nor has anyone ever lost public office thereby.”
H.L. Mencken, (1926)
03-04-10, 06:29 PM
#10
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Yes I live in Canada, sometime it's slow and you can't always get in right away to your own family doctor but you can always go to the walk in clinic, plus my work covers semi private room with phone and T.V. One thing many don't understand is the doctors care is free but not the medication and I'm damn happy myself and wife have coverage for this, plus dental from work or I'd be a very poor man.
03-04-10, 06:33 PM
#11
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The one nice thing about working in public education is the excellent health benefits. Right now, we have 0 deductible, 0 copay (although this looks like it's going to change)full health coverage and generous dental and vision coverage. My wife is an accident prone type 1 diabetic on an insulin pump, so good coverage is crucial.
03-04-10, 06:57 PM
#13
Sucking Wheel at the back
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Maybe some should sell the bike drop the cell phone bill and buy insurance if you don't have it.
03-04-10, 06:59 PM
#14
Sucking Wheel at the back
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The one nice thing about working in public education is the excellent health benefits. Right now, we have 0 deductible, 0 copay (although this looks like it's going to change)full health coverage and generous dental and vision coverage. My wife is an accident prone type 1 diabetic on an insulin pump, so good coverage is crucial.
You are truly lucky with the 0 deduct and 0 copay in this day.
What would really help us all if they let insurance companies compete across state lines and do a little TORT reform.
03-04-10, 07:07 PM
#15
Medicinal Cyclist
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My employer pays the whole bill, but the plan does have a $1,000 deductible and copays. Paid off for me bigtime last year when I was diagnosed and successfully treated for cancer. Lots of expensive surgery, lots of expensive radiation and chemo.
03-04-10, 07:16 PM
#16
You blink and it's gone.
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Yes I live in Canada, sometime it's slow and you can't always get in right away to your own family doctor but you can always go to the walk in clinic, plus my work covers semi private room with phone and T.V. One thing many don't understand is the doctors care is free but not the medication and I'm damn happy myself and wife have coverage for this, plus dental from work or I'd be a very poor man.
Also have extended benefits through work that covers dental, prescription drugs, physio, chiro, etc...Short term and long term disability is also in there so I'm pretty well covered...
03-04-10, 07:19 PM
#17
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Employer-financed, $20 co-pay and $10 for meds, 50% dental, accidents 100% covered, ER and hospitalizations 100% covered. I pay 20% of the total premium every month. Pretty good plan but will soon be replaced by high-deductable ($1500 per year) HSA-type plan with all preventative covered at 100%. Not so good plan. My employer is crying poverty and cutting corners (at our expense, of course). What happened to Universal Health Care? That's what I thought I was voting for two Novembers ago...
03-04-10, 07:23 PM
#18
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I was dropped from my mom's insurance when I turned 25 and I went a year without it. I told myself that I wouldn't start racing until I got some kind of insurance for emergencies. I got insurance about 4 months ago and I feel a lot better now. It's very reassuring when I'm racing knowing if something were to happen I am covered.
03-04-10, 08:00 PM
#20
pan y agua
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Employer-financed, $20 co-pay and $10 for meds, 50% dental, accidents 100% covered, ER and hospitalizations 100% covered. I pay 20% of the total premium every month. Pretty good plan but will soon be replaced by high-deductable ($1500 per year) HSA-type plan with all preventative covered at 100%. Not so good plan. My employer is crying poverty and cutting corners (at our expense, of course). What happened to Universal Health Care? That's what I thought I was voting for two Novembers ago...
And if everyone had one, then consumers would actually be paying a portion of their health care costs, and would make rational utilization decisions, thereby controlling costs.
As long as people have health care plans with $20 co pays and $10 prescription drugs, then everyone wants everything, and there's no prayer of controlling costs.
Pretty sure this should be enough to get this to P&R.
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You could fall off a cliff and die.
You could get lost and die.
You could hit a tree and die.
OR YOU COULD STAY HOME AND FALL OFF THE COUCH AND DIE.
You could fall off a cliff and die.
You could get lost and die.
You could hit a tree and die.
OR YOU COULD STAY HOME AND FALL OFF THE COUCH AND DIE.
03-04-10, 08:05 PM
#21
pan y agua
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The one nice thing about working in public education is the excellent health benefits. Right now, we have 0 deductible, 0 copay (although this looks like it's going to change)full health coverage and generous dental and vision coverage. My wife is an accident prone type 1 diabetic on an insulin pump, so good coverage is crucial.
As long as its all free, people will consume more of it, at a greater societal cost, than is warranted.
Why not go ask your doc for the lasted designer drug you saw advertised on TV as long as it's free?
__________________
You could fall off a cliff and die.
You could get lost and die.
You could hit a tree and die.
OR YOU COULD STAY HOME AND FALL OFF THE COUCH AND DIE.
You could fall off a cliff and die.
You could get lost and die.
You could hit a tree and die.
OR YOU COULD STAY HOME AND FALL OFF THE COUCH AND DIE.
03-04-10, 08:06 PM
#22
Wildflower Century
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I have a self-insured group plan through my employer. They are fairly large, so we get very good coverage at low rate. $15 co-pays, $5-10 prescriptions, $500 deductible for anything over $5,000. Anything below that there is literally no charge. BUT, we do pay out of our checks about $200 per month.
03-04-10, 08:10 PM
#23
Faster than yesterday
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I have insurance, but can only afford he one that would leave me with a lot out of pocket. I wouldn't say that qualifies as "having healthcare."
03-04-10, 08:18 PM
#24
juneeaa memba!
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I am covered under my retirement policy, until I am 65, and then medicare will be subsidized by the policy. It is far better than any packages I am seeing lately (and I'm covered under my current employer as well, so it should be about 100% coverage for me, at least). I have two children still covered under my insurance, and Patti is covered under her own employer. The picture is not as rosy for my older children...
BTW, while I was racing, I visited the ER 9 times, and each time was expensive (as Patti likes to remind me). One crash (at the 1991 Park City World Cup) involved helicopter extraction and visits to 3 ERs until the freaking ambulance driver could find someone to deal with a head injury...my cost for that little fiasco was about $3000 (and there was no medical procedure other than scrubbing the road rash).
Apply 20 years inflation to that number, and understand that if you race you face these kinds of bills.
BTW, while I was racing, I visited the ER 9 times, and each time was expensive (as Patti likes to remind me). One crash (at the 1991 Park City World Cup) involved helicopter extraction and visits to 3 ERs until the freaking ambulance driver could find someone to deal with a head injury...my cost for that little fiasco was about $3000 (and there was no medical procedure other than scrubbing the road rash).
Apply 20 years inflation to that number, and understand that if you race you face these kinds of bills.
03-04-10, 08:51 PM
#25
your god hates me
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Um... wait, do you really mean "healtcare" or do you mean Health Insurance?
I've got Health Insurance.
Whether that counts as "healthcare" is debateable.
I've got Health Insurance.
Whether that counts as "healthcare" is debateable.