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In Hawaii we‘re pretty limited on our insurance options. There is HMSA and Kaiser that I know of and have used both. Every year they go up. We started with kaiser and changed to HMSA because Kaiser would not give me the asthma medication that works best for me. I was tired of fighting with them about that. And, with the economy hit very hard, people can’t afford to live here anymore and we’ve lost a lot of residents, including many in our medical industry. So, Kaiser was losing doctors right and left.

HMSA was ok for awhile but the costs have skyrocketed. My husband convinced me to go back to Kaiser. So far, so good.

As I listen to the news and all the talk about health care, one of the polls says that 68% of americans with health insurance are happy with it. That’s a lot of people. If we go to a government run policy, is it really more to provide for those with no health insurance? Is it going to be used for non citizens as well? Are the 68% who have insurance and are happy with it as it is expected to pay for this through increased costs and more taxes?

What are your insurance concerns and how do you feel about the government proposed plans?



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Member Comments

    • 0 votes vote up vote up

      Cynthia Schmidt wrote Aug 7, 2009
    • I can’t believe I published this with the typos! I mean 68% not 6 or 68. Egad!



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    • 0 votes vote up vote up

      UK Girl wrote Aug 7, 2009
    • Cynthia this whole healthcare issue has shocked me and my friends I was showing them all the posts –we take for granted our free health service and I suppose to an extent abuse it my caretaker goes to the doctors for a chipped nail (not literally) but we feel it's our right to have exemplary service with the right care free.



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    • 0 votes vote up vote up

      Janet Wooley wrote Aug 7, 2009
    • This question will be totally different depending on who you ask, I am unemployed and have NO insurance so anything sounds good to me. 10% of the population is in the same situation as I am



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    • 0 votes vote up vote up

      Janet Wooley wrote Aug 7, 2009
    • Making them compete for business is not a bad idea. And I too shutter at the thought of Government running EVERYTHING but aren’t they essentially doing that now?



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    • 0 votes vote up vote up

      Tuliplady wrote Aug 7, 2009
    • Our federal government is not capable of running anything competently.  I can’t imagine the nightmare if they get their hands on health care.

      I have BC/BS as well.  I’m sort of happy with it.  It’s certainly better than nothing.  They’ve been excellent about paying on hubby’s medical bills.  I go the alternative medicine route for the most part and they don’t cover anything on that.  Not enough coverage for preventative medicine.

      Unfortunately I had to get married to get health insurance.  It’s not offered anywhere that I work, and I don’t make enough money to just go out and get my own policy.

      I don’t think there’s so much wrong with the health insurance industry.  I think health care costs just need to be gotten under control.



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    • 0 votes vote up vote up

      Marilyn09 wrote Aug 7, 2009
    • When you think about it. Everything is sooo expensive. Even just going to the doctor for a cold.  I think the whole medical system needs to be looked in to. Medicine, cost of medical equipment, how much it costs to have a healthy baby, everyone has there hand in the insurance companies pockets. And it is insane.
      How do you set a cost on a buffet line where the food runs anywhere from $50.- $1m?
      Just crazy-
      I know I would not want that job.tongue out



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    • 0 votes vote up vote up

      Lazylola wrote Aug 7, 2009
    • I also have BCBS and so far it looks like I will be paying less than I thought, but I am still going to have to fork over a very large sum....it takes from my household budget, my kids will have to go without more than they already do....



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    • 0 votes vote up vote up

      UK Girl wrote Aug 8, 2009
    • Ladies - our Government looks after our healthcare - its free and no we don’t wait months / weeks to see a doctor plus we don’t have an issue with privacy ........

      Ours is free.....just think if you didn’t have to budget in healthcare every month how much better of you would be ?

      Just another point of view - I have cancer and I need treatment pronto and I get it and in world leading hospitals for free .... plus we pay a flat rate for prescritptions its around $7 thats it and if your poor and on benefits it’s free.



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    • 0 votes vote up vote up

      Kmarie wrote Aug 8, 2009
    • My health insurance has now passed my mortgage and I have no major medical issues. I do agree it is how you experence but anything to lower cost sounds great to me.



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    • 0 votes vote up vote up

      Vikki Hall wrote Aug 8, 2009
    • I can’t complain about my insurance since I use it only for yearly checkups. I do have BC/BS PPO and probably have had that for the last 15 yrs.
      The company I had worked for offers BC/BS PPO to it’s employees. Which is great! But my 20 yr old works full time for them at 9.50 per hour and can’t afford the $150 per paycheck. Good Insurance but very costly.
      Is it BC/BS or is it the employer that makes it so much? I suspect it’s both and if the gov’t wants to be involved they should be looking at how to make it more affordable for those that have a chance to get it... possbibly offer them incentives as well to offer to non employed at a low cost. Even if they offered lower cost insurance for the short term to those without. If the focus was more on preventative than there would be less need for so much costs IMHO.



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    • 0 votes vote up vote up

      Mztracy wrote Aug 8, 2009
    • If you‘re healthy, you‘re lucky as you have not had to deal with your insurance company when needing something.

      We have United Healthcare one of the leading companies. The CEO is worth 750 million dollars and stock options!!! REALLY!! They make you jump through hoops to get anything. They deny you everything once sometimes twice hoping you will give up. And that is not just them. My previous did the same thing.  

      God help you if you have a pre-existing condition...you may as well just shoot yourself in the head!!!!!

      I have some friends and some of their children who work their butts off and have no health insurance. They are given just under the min hours allowed for full time or work part time. They CANNOT afford healthcare. They‘re not homeless they‘re not lazy. Is it fair the do not have health care?

      Most likely the sweet 20 something helping you at your high end boutique has no healthcare. The nice young waiter who you love at your fav restaurant has no ins.

      This issue pisses me off. Our healthcare is not good, it is not fair!!! Isn’t this the United States of America...the richest Country in the world??!! Oh wait, it is those with good ins and those upper middles and uber rich that oppose all getting healthcare.  

      I’m sorry but i have had to deal with health ins, really deal with it.  

      Chemo for my sister who is a covered RN, almost put her in the poor house and 2 ins companies said it was ‘experimental‘.

      Do you understand that ins companies are not regulated thanks to our last admin??  

      Maybe if medicare offered all of us healthcare at a good cost, based on our income then the ins companies might charge realistic rates!!

      The guy that was on survivor has over 20,000 dollars in bills for his chemo that he has to pay. And he has ins.!! WTF

      Vicki (UK) I am on my way with my family to the UK, where people are taken care of....



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    • 0 votes vote up vote up

      Vikki Hall wrote Aug 8, 2009
    • MzT I hear you..... we had to deal alot with medicare and united health for my mom. Unbelievable!

      And the cost of medication alone will put you in the poor house.

      Would they (whoever they are) allow people who have no insurance or money just let people die? What would have happened to my mom who had lung cancer if she had not had insurance AND money in the bank?

      That’s what scares me the ones who have NOTHING and are SICK....frown



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    • 0 votes vote up vote up

      Kmarie wrote Aug 8, 2009
    • I basically used mine for check ups too, mine has incrased to over $1500 per month or 18,000 per year w/ 1,500 deductible. they really need to get it under control



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    • 0 votes vote up vote up

      Cynthia Schmidt wrote Aug 8, 2009
    • I can’t believe how much medication costs. My mother has medicare and a supplement. She was already enrolled in the drug plan before the changes were made to medicare but she still has to pay a lot for her medication. The plan only approves some meds but not all that an 80 year old may need. So many people in her age bracket have to decide between medication and food. It’s criminal.



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    • 0 votes vote up vote up

      Mztracy wrote Aug 8, 2009
    • We need a healthcare plan for all.  

      Those you have private will still be able to have private insurance.

      I would much rather pay extra taxes to help someone get healthcare then line the pockets of the politicians.  

      loves ya ladies!!!!



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    • 0 votes vote up vote up

      Janet Wooley wrote Aug 8, 2009
    • What I do not get is this
      Reg. Dr visit $75.00
      Medicare pays $16.00 for Reg Dr. visit
      Why in the heck does a Dr acept 16.00 from the government and that is ok, and someone who has no insurance must pay 75.00 to see the Dr. come on now. The Dr. is forced to accept 16.00 from the government because that is all they will pay, what is fair and reasonable? This does not make since to me al all.
      If someone does not have insurance then the Dr. should accept from the non insured person the amount the Government pays them.
      Don’t get me started on pre existing conditions I am like Mz T it ticks me so off I just don’t get it at all.



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    • 0 votes vote up vote up

      Linni wrote Aug 8, 2009
    • Tracy, im right there with you! OH MY WORD! the cost of just one of my moms perscriptions is outragious! almost $400 for a 30 day supply! its just not right, and it makes my stomach churn when i think of it!
      Ukgirl.. buy a big house, a REAL big house! we are all on the way! LOL



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    • 0 votes vote up vote up

      Vikki Hall wrote Aug 8, 2009
    • Right Tracy! You would think they could come up with a pay plan that costs less for the insurance companies for people like me who use it rarely so others who need it and use it more can have it at a better cost....

      It just seems that more could be done as usual.



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    • 0 votes vote up vote up

      Shopgirl1960 wrote Aug 9, 2009
    • Interesting thread Cynthia.



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    • 0 votes vote up vote up

      UK Girl wrote Aug 9, 2009
    • Art_counsel is right in the UK working as a doctor is not seen as a get rich scheme its seen as a vocation.

      We do have private health in the UK which companies pay for as a perk - but actually when it comes to the wire and you have a serious illness they are rubbish - they don’t have specialist high tech chemo equipment - the only reason people have private is that if they want a knee operation at 3pm on a Friday so not to interfer with a work schedule then they can ..

      Also how can normal average working folk / or retired for folk pay going rate for drugs to keep them alive - if you have a condition that requires drugs to keep you alive or well then you should get them ....

      It’s really suprised me this healthcare issue how much you pay and then supplement with your own purse.



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    • 0 votes vote up vote up

      Mz. Queen wrote Aug 12, 2009
    • I like my insurance that comes with my job. I’m a turtle with my head in the ground. I’m not going to worry about what I can’t see just yet.



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    • 0 votes vote up vote up

      Tamra wrote Aug 12, 2009
    • Peeper and Annie bring up excellent points, all of which are fueling the town hall debates we are seeing.

      I, personally, would prefer to leave our current system intact with continued gov’t regulation to address the exact problems in the system rather than overhaul the enitre system.  

      I strongly oppose a gov’t option that, subsized by taxpayer funds, will undercut private companies, and ultimately eliminate competition, which is the most effective way to reduce costs.  (Yes, insurance cos, like financial institutions and utility companies, are regulated by gov’t.)  As a result, we will see the type of coverage we have now under BC/BS, Humana and others skyrocket in price, and then fade away entirely, once they have to compete with the gov’t subsidized plan because of the millions predicted to move over to that plan.  Frankly, I don’t want someone the likes of an IRS employee, making my health care decisions.  

      A couple of points in the Obama plan that I do agree with are the end of life counseling provision and the requirement that all of us obtain coverage.  

      Few decisions in life are more important than our choice for end of life circumstances.  Yet all too often it is not addressed by our physicians and we as patients avoid the subject.  I support legislation that encourages us to address our wishes for our end of life care.

      Additionally, if all of us paid for health care coverage, the cost of coverage to us individually would decrease.  The risk accepted by the insurance cos. would be spread more thinly across a larger population.  Furthermore, gov’t required coverage is nothing new.  It is a concept that already applies to our autos for liability coverage.

      I think there are places we can improve the system, but I think it is immoral to harm a majority of the people in an effort to assist the minority.  There are much better routes to take than the current House bill allows.



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    • 0 votes vote up vote up

      Tamra wrote Aug 12, 2009
    • Yes, Annie, that’s exactly how I feel.  Fix what’s broke, but leave the working parts alone.



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    • 0 votes vote up vote up

      Tamra wrote Aug 12, 2009
    • Medicare? I can personally give you a failure story about Medicare happening right now in my own family.  My mother is currently at the mercy of Medicare after having suffered a stroke in February.  It is NOT providing what she needs, and is threatening to cut her off from the rehab that has been giving her much improvement.  Not to mention it’s lack of concern for her sleep apnea which led to the arythmia that caused the stroke.  I’m sorry, but I disagree.  Medicare is definately not without problems.



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    • 0 votes vote up vote up

      Tamra wrote Aug 12, 2009
    • Annie, I think he may have been trying to make a more important point.  There is much concern that private insurance will disappear if a gov’t subsidized public option for coverage is made available.  However, Obama can point to the mail system to prove that private companies do not go out of business even when there is a gov’t managed and subsidized counterpart.  They can operate side by side as evidenced by UPS and Fed Ex alongside the USPS.



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    • 0 votes vote up vote up

      UK Girl wrote Aug 12, 2009
    • Right ladies something from the UK press about our health service and your government taking pot shots at it ...

      [Link Removed]

      "Stephen Hawking: I would not be alive without the NHS
      Professor Stephen Hawking defended the National Health Service from attacks by the American Right, claiming that he would not be alive without it. "  

      I had no idea Obama has been taking pot shots at our health service and can I say where he got his information from was very wrong and at best scare mongering ......

      Just my opinion


      Ukgirl, Your links have been removed, please consider upgrading to premium membership.



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    • 0 votes vote up vote up

      UK Girl wrote Aug 12, 2009
    • I have to add this ......

      [Link Removed]

      The piece about cancer & access to an oncologist is pure bullshit I have always seen the very best in fact my oncologist is a world leader and pioneer in treatment and give demos all over the world .......and I pay nothing


      Ukgirl, Your links have been removed, please consider upgrading to premium membership.



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    • 0 votes vote up vote up

      Faye43 wrote Sep 2, 2009
    • If the government could find a way to increase the health of our economy more people would have jobs and therefore health insurance. I have no job, and no health insurance but I rarely go to the doctor. I go about once every 3 to 5 years.



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