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re: OT: Alabama Coronavirus Thread (see link in OP for case numbers and death totals in AL)
Posted on 5/15/20 at 11:05 am to TideWarrior
Posted on 5/15/20 at 11:05 am to TideWarrior
quote:
I may misunderstand what you are saying here but you can still get catastrophic health insurance plans. Now you have to meet certain requirements. Either under the age of 30 or in need due to financial hardship. But low monthly premium with high deductible.
I'm talking about plans that only covered emergencies. They don't have the same type plans they had before. You can't get a plan that only covers emergencies anymore. The plans I used to get (because I didn't need preventive coverage) no longer exist.
LINK
This post was edited on 5/15/20 at 11:08 am
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Posted on 5/15/20 at 11:08 am to TideCPA
quote:
Back to the topic, seems like daily cases are leveling off in the 250-300 range per day, with about 25 deaths/day. Still only 12 total deaths in the under 50 population.
Have you seen the "Bama Tracker" website? It was all over the news here last week. The guy makes all kinds of Alabama-specific coronavirus graphs.
LINK
ETA: Nevermind, I just realized the second link in the OP is the same thing.
This post was edited on 5/15/20 at 11:10 am
Posted on 5/15/20 at 11:10 am to TideCPA
quote:
That's an interesting choice of metaphor because, by your own logic, inmates are the freest people in the US by virtue of not having to worry about paying for or choosing healthcare providers, shelter, clothing, or sustenance.
At no point did I equate not needing to make choices with freedom. You implied that all choice equates to freedom, which is absurd. False choices do not leave you free to do anything. They only present you with the illusion that you have some degree of control over the situation. It's like when I tell my 5 year old he can pick between broccoli and green beans.
It's all about billing. Right now the way healthcare professionals bill affects your access to doctors because certain providers don't accept certain insurance. You may want to go to doctor A but she isn't in your plan. If there was one plan that covered all doctors then you truly do get to choose your provider.
Posted on 5/15/20 at 11:11 am to biclops
Their is a rise in people who think these immunizations are not needed and cause health problems, like ADD.
Posted on 5/15/20 at 11:11 am to imjustafatkid
quote:
I'm talking about plans that only covered emergencies. They don't have the same type plans they had before. You can't get a plan that only covers emergencies anymore. The plans I used to get (because I didn't need preventive coverage) no longer exist.
Actually they do and this is from the same link. I think what may have changed is the under 30 and financial hardship being the only way to get that plan now.
quote:
Catastrophic Health Plan
Catastrophic health insurance plans have low monthly premiums and very high deductibles. They may be an affordable way to protect yourself from worst-case scenarios, like getting seriously sick or injured. But you pay most routine medical expenses yourself and you must be under 30 years old OR get a "hardship exemption" because the Marketplace determined that you’re unable to afford health coverage.
LINK
quote:
Catastrophic health insurance is a type of medical coverage under the Affordable Care Act. This is a type of high-deductible health plan for people under 30 or those who qualify for a "hardship exemption." Catastrophic plans are designed to protect you in a worst-case scenario; for example, if you get into a medical emergency and your medical costs total thousands of dollars. Monthly plan premiums tend to be lower, but you'll generally need to pay for all health-care costs out of pocket until you reach the plan's annual deductible, which is usually at least a couple thousand dollars.
It appears with the exception of the meeting the requirements now under the ACA it is the same as before.
Posted on 5/15/20 at 11:12 am to Robot Santa
quote:
If there was one plan that covered all doctors then you truly do get to choose your provider.
This will never exist in a free society.
Posted on 5/15/20 at 11:13 am to TideWarrior
quote:
It appears with the exception of the meeting the requirements now under the ACA it is the same as before.
This sentence is a contradiction of your conclusion. Plans cannot "meet the requirements now under the ACA" and still be "the same as before."
Posted on 5/15/20 at 11:17 am to Robot Santa
quote:
At no point did I equate not needing to make choices with freedom. You implied that all choice equates to freedom, which is absurd. False choices do not leave you free to do anything. They only present you with the illusion that you have some degree of control over the situation. It's like when I tell my 5 year old he can pick between broccoli and green beans.
Except freedom doesn't guarantee perfect choices, just the existence of them. A more accurate metaphor would be telling the 5-year-old he can pick anything he wants out of the fridge, but there only happens to be broccoli and green beans inside. But instead of stocking the fridge with other options, we want to replace everything with cauliflower.
Posted on 5/15/20 at 11:18 am to imjustafatkid
quote:
Obviously, bankruptcy due to healthcare costs is even more rare.
According to a Harvard Business SChool study, medical costs was the key contributor to individual bankruptcy. I want to say it was around 2/3 of all bankruptcies cited medical costs as the key contributor. In many of those cases though, there were other contributing factors - loss of job, credit card debt, etc.
ACA didn't have any impact on those numbers though.
Posted on 5/15/20 at 11:24 am to IB4bama
quote:
Their is a rise in people who think these immunizations are not needed and cause health problems, like ADD.
There are some who have issues concerning the medical implications or fallout from it. But the two main reasons I have seen people mostly that are against immunizations stem from not trusting big pharma which I can truly understand as their goal is to make as much money as possible and no real concern for the people. If they invest half the money they do into managing illnesses and diseases into finding a cure we would be better off. But if you cure everyone they would go broke.
Second the majority due not want the government telling them what to do. They feel it is their right and their decision.
The second one I find the most interesting. We have people refusing to immunize them and their children because they argue their freedom to decide but yet many of the people that have an issue with them, being anti-vaxx group, are arguing the same thing as their right to go back to work and end the lock down. One side says you need to vaccinate your children because they are a danger to others so it is not your choice when it affects others but yet it is alright to reopen even though our choice to get back out may harm others and that is our choice.
Posted on 5/15/20 at 11:25 am to imjustafatkid
quote:
This sentence is a contradiction of your conclusion. Plans cannot "meet the requirements now under the ACA" and still be "the same as before."
You would argue with a rock.
Posted on 5/15/20 at 11:29 am to The Spleen
quote:
ACA didn't have any impact on those numbers though.
In many ways it did I would wager. Many businesses including corporations moved employees under the thresholds so not to receive company paid insurance. The ACA left to many loopholes for companies to determine how to make an employee not a qualifier which in turn caused many people to no longer have coverage and have to pay out of pocket.
Posted on 5/15/20 at 12:23 pm to TideCPA
quote:
Back to the topic, seems like daily cases are leveling off in the 250-300 range per day, with about 25 deaths/day. Still only 12 total deaths in the under 50 population.
I just saw that there were 401 confirmed cases yesterday and liked to this site. The numbers on this site don't match the dashboard on your link, but for most days not a huge disparity. The APR link cites the ADPH numbers. Weird.
APR
I can't find anywhere on the APR site where he is pulling his numbers from. Obviously I trust the ADPH's numbers over APR's, but just trying to figure out where he's pulling his numbers from, because they're different on every single day I compared.
ETA - Foudn his explanation, but I need to dig more to to better understand. The ADPH site revises their previous day number frequently as more hospitals report numbers. He claims his is more real-time, and cites hospitalizaion numbers from 5/13 being revised yesterday from 400-something initially reported to 668 that is now on the ADPH dashboard. He also points out that not every hospital reports their numbers everyday. Hus cumulative and the ADPH's cumulative are off by 215 cases, with ADPH reporting more than he is.
This post was edited on 5/15/20 at 12:34 pm
Posted on 5/15/20 at 1:06 pm to The Spleen
Not to derail the topic but MS cases have been increasing lately
Posted on 5/15/20 at 3:38 pm to The Spleen
quote:
According to a Harvard Business SChool study, medical costs was the key contributor to individual bankruptcy. I want to say it was around 2/3 of all bankruptcies cited medical costs as the key contributor. In many of those cases though, there were other contributing factors - loss of job, credit card debt, etc.
This aligns completely with my statement that you quoted. I guess we agree?
quote:
ACA didn't have any impact on those numbers though.
I hope people didn't think it actually would.
This post was edited on 5/15/20 at 3:42 pm
Posted on 5/15/20 at 3:40 pm to TideWarrior
quote:
You would argue with a rock.
I'm just curious what you think is wrong with my statement. The reality is that high deductible emergency only plans are no longer able to only cover emergencies. That is a fundamental change that completely destroyed the reason those plans were affordable.
Posted on 5/15/20 at 3:48 pm to TideWarrior
quote:
But the two main reasons I have seen people mostly that are against immunizations stem from not trusting big pharma which I can truly understand as their goal is to make as much money as possible and no real concern for the people. If they invest half the money they do into managing illnesses and diseases into finding a cure we would be better off. But if you cure everyone they would go broke.
Come on now. How many viruses have been cured in the history of mankind? Let's not pretend big pharma should be able to do the impossible.
quote:
One side says you need to vaccinate your children because they are a danger to others so it is not your choice when it affects others but yet it is alright to reopen even though our choice to get back out may harm others and that is our choice.
It is possible to believe people have a right not to vaccinate their children and the government should not be allowed to force them to do so, and still also hold the opinion that those people are nuts and should stay away from my kids.
I would go so far as to say that people who don't vaccinate their kids should not be allowed to put their children in public school, but we seem to have a fundamental problem against kicking kids out of public schools in this country so that probably won't happen.
Posted on 5/15/20 at 4:11 pm to imjustafatkid
quote:
I would go so far as to say that people who don't vaccinate their kids should not be allowed to put their children in public school
Why? To protect all of the vaccinated kids? If the vaccine works, how is an unvaccinated kid going to cause vaccinated kids to become infected?
This post was edited on 5/15/20 at 4:19 pm
Posted on 5/15/20 at 4:21 pm to TidalSurge1
Shocking the colloidal silver is a miracle drug guy doesn’t understand how vaccines work.
Posted on 5/15/20 at 4:25 pm to Fleurs
quote:
Shocking the colloidal silver is a miracle drug guy doesn’t understand how vaccines work.
I never claimed it's a miracle drug. It's not a miracle nor a drug. Since you've also convinced yourself that I don't understand how vaccines work, Dr. Fleurs, why don't you educate me on how they work?
This post was edited on 5/15/20 at 5:25 pm
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