BMW M3 Forum (E90 E92)

BMW Garage BMW Meets Register Search Today's Posts Mark Forums Read


Go Back   M3Post - BMW M3 Forum > BIMMERPOST Universal Forums > Off-Topic Discussions Board
 
GetBMWParts
Post Reply
 
Thread Tools Search this Thread
      05-21-2011, 03:49 PM   #1
D_o_S
LCI'd
53
Rep
811
Posts

 
Drives: 335i LCI
Join Date: Feb 2008
Location: Home

iTrader: (1)

Health insurance - who pays for the uninsured

Hi,

I'm doing a project for school about health insurance in the States, preferably California, but others will do.

I'm interested in care for the uninsured. Who pays for this? I assume the state does, but how does it actually work? You go to hospital, and are uninsured - they take care of you - you leave, say you have no $$$ - the state pays? You have some debt with the state or not?

Any explanation, insight or links to stuff on how it works greatly appreciated.
Appreciate 0
      05-21-2011, 04:04 PM   #2
KGB7
Crazy Russian Bastard
KGB7's Avatar
United_States
13
Rep
824
Posts

 
Drives: 01 740i sport
Join Date: Apr 2011
Location: Siberian Prison

iTrader: (0)

It becomes your dept and ruins your credit if you dont pay it off. Later on it will be sold of many times over to other debt collecting agencies.
__________________
B
M
W
Appreciate 0
      05-21-2011, 04:08 PM   #3
CollinsE90
Where my bitches
CollinsE90's Avatar
United_States
226
Rep
1,927
Posts

 
Drives: Cadillac coupe deville
Join Date: Mar 2009
Location: street corner checking profits

iTrader: (0)

inb4Canadia posters
__________________
Appreciate 0
      05-21-2011, 04:22 PM   #4
Cptn Mo 703
Lieutenant Colonel
Cptn Mo 703's Avatar
United_States
31
Rep
1,605
Posts

 
Drives: my feet
Join Date: May 2009
Location: NoVa

iTrader: (15)

Garage List
Quote:
Originally Posted by KGB7 View Post
It becomes your dept and ruins your credit if you dont pay it off. Later on it will be sold of many times over to other debt collecting agencies.
what he said!! I know the hospitals here will treat you no matter what, but few months later you get mailed a pretty nice bill if you dont have insurance. My friend actually ended up going to court for it.
__________________
2008 Alpine White e93 335i- Sold
2009 Black Sap. Met. e93 335i- Sold
2010 Melbourne Red e92 M3- Sold
Appreciate 0
      05-21-2011, 09:28 PM   #5
miiipilot
Captain
miiipilot's Avatar
United_States
12
Rep
800
Posts

 
Drives: 2011 TiAg 135i 6mt M-Sport
Join Date: Jun 2010
Location: Cleveland, OH

iTrader: (0)

Quote:
Originally Posted by KGB7 View Post
It becomes your dept and ruins your credit if you dont pay it off. Later on it will be sold of many times over to other debt collecting agencies.
True. Plus it becomes everyone's problem. The hospitals have to charge more and more for services because they are not reimbursed 100% for treating the uninsured, which also causes the people who are insured to pay more. We pay higher costs to make up for some of costs associated with people that cant pay.

miiipilot
__________________
miiipilot 2011 135i TiAg w/Black Boston 6mt M-Sport, Premium Pkg, Value Pkg
Appreciate 0
      05-22-2011, 12:41 AM   #6
DarkRider23
Lieutenant
10
Rep
444
Posts

 
Drives: 2006 325xi
Join Date: Apr 2009
Location: New Jersey

iTrader: (0)

The insured pay for it with higher premiums. There you go.
Appreciate 0
      05-22-2011, 04:00 AM   #7
D_o_S
LCI'd
53
Rep
811
Posts

 
Drives: 335i LCI
Join Date: Feb 2008
Location: Home

iTrader: (1)

Thanks guys, I found some statistics that say the state pays for it... does this mean the state pays for the care you received, and then you pay back the state?
Appreciate 0
      05-22-2011, 07:57 AM   #8
sg///M3
Lieutenant
sg///M3's Avatar
United_States
4
Rep
438
Posts

 
Drives: 2008 M3 DCT
Join Date: May 2008
Location: Charlotte, NC

iTrader: (0)

Quote:
Originally Posted by DarkRider23 View Post
The insured pay for it with higher premiums. There you go.
and higher taxes.
Appreciate 0
      05-22-2011, 11:15 AM   #9
bosstones
Major
48
Rep
1,076
Posts

 
Drives: o_0
Join Date: Mar 2008
Location: Suburbia

iTrader: (0)

Quote:
Originally Posted by DarkRider23 View Post
The insured pay for it with higher premiums. There you go.
Quote:
Originally Posted by sg///M3 View Post
and higher taxes.
yup.

Quote:
Originally Posted by D_o_S View Post
Thanks guys, I found some statistics that say the state pays for it... does this mean the state pays for the care you received, and then you pay back the state?
No, that's what insurance companies and co-pays are for.
__________________
Appreciate 0
      05-22-2011, 12:13 PM   #10
KGB7
Crazy Russian Bastard
KGB7's Avatar
United_States
13
Rep
824
Posts

 
Drives: 01 740i sport
Join Date: Apr 2011
Location: Siberian Prison

iTrader: (0)

Quote:
Originally Posted by D_o_S View Post
Thanks guys, I found some statistics that say the state pays for it... does this mean the state pays for the care you received, and then you pay back the state?
Link?


If the State paid for it, why would anyone need health insurance then?
__________________
B
M
W
Appreciate 0
      05-22-2011, 12:30 PM   #11
O-cha
Brigadier General
O-cha's Avatar
81
Rep
4,729
Posts

 
Drives: Mcoupe
Join Date: Oct 2007
Location: In front of you

iTrader: (2)

Send a message via AIM to O-cha
Quote:
Originally Posted by DarkRider23 View Post
The insured pay for it with higher premiums. There you go.
Quote:
Originally Posted by D_o_S View Post
Thanks guys, I found some statistics that say the state pays for it... does this mean the state pays for the care you received, and then you pay back the state?
Quote:
Originally Posted by sg///M3 View Post
and higher taxes.
Wtf are you guys smoking? It has nothing to do with taxes or health insurance premiums.... Hospital bills you, you don't pay, you are no debted to the hospital and they try to collect it and then send your ass to collections. The state doesn't pay for the uninsured health care needs, and neither do taxes.

What it might do is increase the cost of the hospital doing business, but fact is most people ARE insured and it doesn't have too profound of an affect.


Now if you want to talk about what DOES have an affect it's people going to the hospital WITH insurance
, because insurance does not pay the hospital what they ask for, they pay them far less than what their standard rates are. But they are forced to accept this low price for services because so many people have insurance and to say no you HAVE to pay our normal price to the insurance companies means the insurance companies say fine, our insured wont use your hospital, and then they just don't have any customers.

So if you want to point your fingers at people, point them to the private insurance corporations that do everything in their power to make money, from the above described, to making it hard as hell to make any sort of serious claim and denying them repeatedly.


What you all don't understand is if you just saved your damn money instead of spending it on ipods and bluray players you wouldn't need insurance to cover your medical expenses because you would have saved for them.

Here's an obvious fact for most of you (that somehow flys above peoples heads), far more then the majority of people pay more in insurance premiums then they would in medical expenses. Really all insurance is is a payment plan where they charge you extra to stop your dumb asses from spending all your money and not being left enough to pay for your bills.

And for the occasional lucky, unlucky few who get deathly ill, actually an insurance of health, that is if you can manage to fight the insurance company to actually cover your cancer or other horribly expensive disease instead of denying it for some obscure reason that you agreed to when you signed your policy.


Also insurance paying less then hospitals regular pricing causes hospitals to raise their "standard" pricing above what they really need it to be (if it were payed) in order to try and get more money from the insurance companies, of course all this does is royally screw the people who go in without insurance because they get charged prices that are far above what they should be, is it a wonder that uninsured people don't pay their bills when they get charged $1500 for a few stitches?
__________________
Appreciate 0
      05-22-2011, 02:15 PM   #12
rs6655
Second Lieutenant
rs6655's Avatar
3
Rep
211
Posts

 
Drives: 2009 X3 (MT)
Join Date: Jun 2009
Location: Florida

iTrader: (0)

Quote:
Originally Posted by D_o_S View Post
Hi,

I'm doing a project for school about health insurance in the States, preferably California, but others will do.

I'm interested in care for the uninsured. Who pays for this? I assume the state does, but how does it actually work? You go to hospital, and are uninsured - they take care of you - you leave, say you have no $$$ - the state pays? You have some debt with the state or not?

Any explanation, insight or links to stuff on how it works greatly appreciated.
The insured..... EMTALA says they can't be turned away so they get treated and the insured get their bills padded.

http://www.familiesusa.org/resources...a-premium.html
Appreciate 0
      05-22-2011, 02:20 PM   #13
rs6655
Second Lieutenant
rs6655's Avatar
3
Rep
211
Posts

 
Drives: 2009 X3 (MT)
Join Date: Jun 2009
Location: Florida

iTrader: (0)

Quote:
Originally Posted by D_o_S View Post
Thanks guys, I found some statistics that say the state pays for it... does this mean the state pays for the care you received, and then you pay back the state?
That's called medicaid: https://www.cms.gov/MedicaidEligibility/

Technically they are insured. It's just taxpayer funded.
Appreciate 0
      05-22-2011, 11:11 PM   #14
ideliver
Major
ideliver's Avatar
48
Rep
1,232
Posts

 
Drives: 08 E60 M5 & 08 Infiniti QX56
Join Date: Feb 2008
Location: At the gas station

iTrader: (0)

Garage List
2006 MB S430 SOLD  [0.00]
2003 E46 M3  [0.00]
Quote:
Originally Posted by miiipilot View Post
Quote:
Originally Posted by KGB7 View Post
It becomes your dept and ruins your credit if you dont pay it off. Later on it will be sold of many times over to other debt collecting agencies.
True. Plus it becomes everyone's problem. The hospitals have to charge more and more for services because they are not reimbursed 100% for treating the uninsured, which also causes the people who are insured to pay more. We pay higher costs to make up for some of costs associated with people that cant pay.

miiipilot
Charges don't matter. Only the contractual agreement that I have with the insurance company.

I could charge $1,000,000 for a delivery, I am still only going to get my contractual amount.

It is a complete fallacy that cost shifting to the insured occurs. The hospitals do get some federal money (called h-cap) but private physicians get only what the patient decides to pay.
__________________
Cars I've owned '76 Chevelle 350 RIP '82 Monte Carlo 350 RIP '82 Mustang 302 RIP '88 Honda CRX RIP '88 Olds Toronado sold '94 Toyota Tercel sold '99 Acura TL sold 2002 Porsche 911 sold 2003 E46 M3 Blk/gr 2006 MB S430 sold Current: 2008 Infiniti QX56 & 2008 E60 M5

Appreciate 0
Post Reply

Bookmarks

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump


All times are GMT -5. The time now is 07:27 AM.




m3post
Powered by vBulletin® Version 3.7.0
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
1Addicts.com, BIMMERPOST.com, E90Post.com, F30Post.com, M3Post.com, ZPost.com, 5Post.com, 6Post.com, 7Post.com, XBimmers.com logo and trademark are properties of BIMMERPOST