Are Americans ignorant about health insurance?

I hang out in a chat program called PalTalk. And I am usually hanging out in the politics rooms.

We have been talking about insurance lately, and of course the big topic is health care.. But that too is a big subject that I will write about later..

There is a big difference between health care, and health insurance. And it amazes me what people think  health insurance is for.  As expected, the people in these chat rooms tend to take sides according to their preferred to political party. Democrats V Republicans. As an independent conservative, who is NOT a member of any party, I am amazed at the apparent ignorance, or misunderstanding of what insurance is for. Insurance is a business and it is there to make a profit.

Also because of these peoples apparent lack of understanding of how business works, contributes to their overall ignorance of insurance.

Insurance is not a "buy 1 get 2 free" program. It is not a "members only discount" program.
It is not a way for you go and get 800 dollars worth of medical care, and be required to pay for only 200 dollars worth of it, leaving the rest to be paid for by other people; that is a parasitical attitude that many of these people seem to have.

Insurance is for catastrophic situations. Not for paying for everyday needs or everyday occurrences, that you can pay for out of your own pocket, even if it might require you to go on a budget for a while.

So you go to the pharmacy and want to get a drug. You have a prescription.  Out of pocket this item costs 80 dollars for a 7 day supply.

Too many of the chatters said they would use their insurance cards, because that way it would only cost them their co-pay, usually around 20 dollars. The insurance company would cover the rest.
Now if their weekly insurance costs (taken out of their paycheck) and IF their company also contributes to it, total costs do not cover the other 60 dollars, this person then is expecting someone else to pick up the tab for the other 60 dollars of cost. And that is a parasitical attitude. It is someone who is looking for a freebee, someone who does not want to have to pay for their own wants or needs.

These people do not understand how business works. The insurance company gets all of its money from premiums it charges to its customers. It has a cost of doing business, and that cost, comes out of those premiums. So if a person pays 100 dollars a month for insurance, and the cost of doing the paperwork and what not is 5 dollars for that month, the company has 95 to use to cover expenses (charges) made by the insured person. 

When a person goes to the pharmacy, this creates paperwork that needs to be done by the insurance company. This paperwork is the over head, or cost of doing business.  The insured person has to pay the cost of the drug plus the cost of the insurance companies paperwork (service fee), thus costing them more than if they just went to the pharmacy and paid for the drug out of pocket.

They go to the pharmacy and pay cash out pocket - cost 80 dollars plus tax.
They go to the pharmacy and use their insurance card, the cost is 85 dollars plus tax. And for each drug they get the 4 dollar service fee.

So again, lets say they need 5 different prescriptions. Each one costing the same 80 dollars. Their co pay is 20 dollars. They get all 5 prescriptions for 100 dollars plus tax right? WRONG. They get them for 340 dollars. 100 dollars paid directly out of pocket, and 240 dollars paid out of their pay checks (again, out of pocket, but not at the same time).

What is the real difference here? The real difference is when they pay for it, and the fact that they are paying a company (insurance company) for something they don't need to be paying for. They would save money by paying it themselves, completely.

But to those who think its ok to pay 100 dollars a month for insurance and get 800 dollars worth of services, I say its time to stop feeding the parasites. They are selfish.

And when government forces people like us to subside people like them, it makes us angry.  And that is exactly what the Federal so called Affordable Care Act is all about. Forcing other people to subsidies parasites. And that, is just plain wrong.

This is why our disabled people and veterans only get 1200 a month SS Disablity.

Why Has Illegal Alien With 7 Kids Gotten Food Stamps, Housing And Social Security For Decades?

 

Find out for yourself how much this parasite takes from your pocket every day. 

 

  This parasite, with 7 kids, gets food stamps, Housing, Social security, and all kinds of government programs, and has encouraged others to do the same criminal actions, when she knows by law she is not entitled to any of it. 

 

THIS IS WHY our wounded warriors, our disabled people our Fellow americans who are in need, cannot get help. Because our government is too damm busy helping these criminals, instead of people like YOU AND I, who paid the Goddamm bills for this country.