2020 Election Thread

sameoldlama
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Re: 2020 Election Thread

Postby sameoldlama » Tue Jan 29, 2019 12:48 pm

I think the article linked by Crow was insightful - as posters here have noted many people went into the last POTUS election holding their nose and casting more of an opposition vote to DT or HRC more than a supportive vote. If you go back to that election and give Schultz the benefit of the doubt and say - at most - he is only the third worst person in the country - well he could have won the last election.

What I see with the Ds is what we saw with Rs last cycle - a crowded field with some people taking the opportunity to run a national campaign that has no expectations of going anywhere - but should allow them and some cronies to line their pockets. But also they are going to have to out left each other for the campaign to get legs - and that may work in the primary but will polarize a good deal of the population.

If an independent isn't driven into extremist positions to get through a primary he won't instantly be a hated asshole to half the country.

So if he comes out with some common sense policy proposals and provides the prospect of avoiding 4 more years of tweetstorms or 4 years hipster socialism let's hear him out.
Wendall : That's very linear Sheriff
Ed Tom : Age will flatten a man Wendall

LioninVa
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Re: 2020 Election Thread

Postby LioninVa » Wed Jan 30, 2019 6:09 pm

I am intrigued by Schultz. I have said many times that I believe most of us, regardless to which political party we identify with, agree an most of the same things except for some polarizing hot button issues. This guy seems to subscribe to that opinion. I look forward to seeing what his positions are, and how that compare or contrast with others. It is still early, but the concern Democrat’s have is he will take votes away from them and help re-elect Trump. It is too early to say, but there is some merit to that (see Ross Perot). Time will tell.

Blue&White
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Re: 2020 Election Thread

Postby Blue&White » Fri Feb 01, 2019 8:36 am

Corey Booker announced he's officially running for President. So, for those of you who were worried we may not get Hillary in this election, we at least have one of her acolytes.
Baseball season!!!!

Blue&White
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Re: 2020 Election Thread

Postby Blue&White » Fri Feb 01, 2019 1:18 pm

And Jeff Flake won't be challenging for the Republican nomination.
Baseball season!!!!

PSUgrower
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Re: 2020 Election Thread

Postby PSUgrower » Fri Feb 01, 2019 4:50 pm

I am not trying to throw this thread off but insurance was brought up earlier. My district just went to a Qualified High Deductible Health Plan (QHDHP). They basically give us a credit card and 2,000 in Jan and 2,000 for a grand total of $4000 this year. Next year we only get 3000 for the year. The other option is a PPO plan that costs the district a ton more money. The PPO plan was going to skyrocket in price the next few years so almost everyone has changed over to the QHDHP. We are encouraged to shop around. If you need to get your blood drawn, get a prescription from the doc and shop around to get the cheapest price. One of the reasons insurance is so high is because there is zero competition for the most part. I think we will start to see a shift in pricing once people can start to shop around.

Blue&White
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Re: 2020 Election Thread

Postby Blue&White » Fri Feb 01, 2019 6:19 pm

I'm curious what you mean by "competition". Do you mean opening it up so you can buy across the different states? Or, do you mean so you can shop different carriers? Ultimately, it doesn't matter because all the evidence is that neither of those options are going to drive costs down, but I was curious as to what you meant.

Our insurance system is a freaking mess. It's fundamental structure is the problem. The idea that there is a for-profit 3rd party in the middle of every single transaction involving health care - no matter how large or small - is the starting point of the issue. And, that's before you get into the cost of all the paper work and the fee-for-service model. All the different "fixes" are just the equivalent of rearranging the deck chairs on the Titanic. And, Trump basically eliminating the individual mandate and requirement that everyone carry insurance while insisting they continue to cover preexisting conditions is going to drive premiums into orbit.
Baseball season!!!!

PSUgrower
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Re: 2020 Election Thread

Postby PSUgrower » Fri Feb 01, 2019 9:14 pm

I can go wherever I want to get my medical attention. It is literally a credit card (keep all receipts) that you can use for anything medical related, Tylenol is not considered medical related and Tums because you drank a bunch of beer isn't considered medical related wither. They give us the money up front and really push us to shop around for the best prices. I am able to keep the doctor I have had for the last 10 years because he isn't much more than someone else at this point.

Another great benefit is that our eye insurance isn't great but my wife is as blind as a bat without glasses or contact. Because it is considered medical, whatever our eye insurance does NOT cover is paid for with this credit card.

IMO, it is a completely different way to look at our insurance. We are educated consumers making educated decisions. That is the thought process behind it. We've had a bunch of inservice hours dedicated to teaching us about the new insurance.

Quick example- I am using fictitious numbers. Say you need to get a colonoscopy completed (I have no clue how much they cost but I am sure Dad can give you an exact figure). Get s script from the doctor and shop around. I can get on a website and see all the places that give a colonoscopy within 50 miles. Say medical A gives exam for $3000 and B gives it for $1500. The insurance company will send you a check for X amount because you saved them money.

Blue&White
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Re: 2020 Election Thread

Postby Blue&White » Fri Feb 01, 2019 9:30 pm

Colonoscopy is a bad example because they are considered preventative and are covered. But, that aside, I understand the point you are making. I just think it skirts the problem.

Generally speaking, your rates are negotaited in advance by your provider. You have "in network" and "out of network" fees. Even with a high deductable plan, that's the way it works. I suppose you can try to negotiate different rates, but my experience is the providers generally respond with "we charge the rates your provider negotiated". So, in theory, it shouldn't matter where you go. It should all be the same rate. If you are getting told something different, well, you've got a different type of plan vs. what I have. Or have heard of. But, maybe they are trying something new. I still find it tough to believe an individual is able to shop around and get a better rate on anything than what the providers have put in place, but who knows.

Btw, I had the choice of the PPO and High Deductable plan too. For years, I went with the PPO and only recently switched last year to the HD plan and the HSA. I would have done it earlier, but I had a specific issue that prevented me from making the switch. My issue is one of my son's needed a very specific medicine. And, it was prohibitively expensive. It would have cost me ~$2,500 every 28 days. My out-of-pocked wasn't covered utnil I hit $11,000. So, I would have had to blow through $11,000 in costs for this one drug before I could start to collecet even a penny from insurance. And, then they were gonig to charge me 40% of the cost, or $1,000 every 28 days. So, when I did the math, I found that the high deductable plan had me shelling out a minimum of ~$20,000 just on medication for one kid. I went for the PPO. But, I had that option. I have no idea what people who didn't have that option did. I guess they went bankrupt. Or, they didn't give their kids the drugs. Which is what has happened with things like eppy pens and a few other drugs where the prices went through the roof.

I'm glad you find the insurance is working out for you, but that I don't think that is the norm. I think a lot of people on these high deductable plans find themselves in fairly desperate straights if they have real medical issues.
Baseball season!!!!

PSUgrower
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Re: 2020 Election Thread

Postby PSUgrower » Fri Feb 01, 2019 9:43 pm

Blue&White wrote:Colonoscopy is a bad example because they are considered preventative and are covered. But, that aside, I understand the point you are making. I just think it skirts the problem.

I knew you would pull that out of your ass, but I didn't feel like thinking about another procedure ;)

Blue&White
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Re: 2020 Election Thread

Postby Blue&White » Fri Feb 01, 2019 9:48 pm

Nice. :lol:

I get your point. It's just my experience it doesn't work that way. Maybe your policy is different. I'd like the ability to negotiate rates myself.
Baseball season!!!!