Forgot your password?

Comment: Re:Lies and statistics... (Score 1) 565

by Shakrai (#47568823) Attached to: 35% of American Adults Have Debt 'In Collections'

Pre-existing condition exclusions are required because of adverse selection. Flood insurance works the same way; you've got no coverage at all until the policy has been in effect for 30 days. If your house washes away on Day 29 you're SOL.

In any case, I didn't share my story to indict the insurance companies. It was more of an indictment of the healthcare system in general. There was one unavoidable expense: the $4,500 immunoglobulin shot. Why then did the total bill come to nearly $7,000? It came to that much because treatment was routed through the most expensive delivery system (the ER) available in our healthcare system. Why is that? The rabies series is not time sensitive, waiting a few days causes no ill effects. The taxpayers ostensibly pay for it anyway so why not just have it at the County Health Department Monday through Friday?

I try to route my healthcare through my PCP, because 1) I like him, 2) It's cheaper (both for me and society) than the alternatives. Of course, we're killing the PCP providers, they're barely paid cost as it is (less than cost for medicare patients) and there's no incentives for med students to pursue primary/family medicine as a specialty. The ACA didn't do anything to address this either, a fat lot of good having insurance for the first time is going to do you when you can't find an MD that's taking new patients.

Comment: Re:Lies and statistics... (Score 1) 565

by Shakrai (#47566549) Attached to: 35% of American Adults Have Debt 'In Collections'

That's a valid point but you kind of missed the bigger picture. With my history and health status they shouldn't be on the hook for more than $300-$500 annually. That's the cost of an annual physical and standard blood/urine lab work. All it took was one incident to largely wipe out their earnings on me and in this case the costs really weren't inflated all that much. Despite what the other poster thinks, the immunoglobulin really is that expensive. It has a very short shelf life, production is a bitch, and there's little economy of scale because it's so rarely needed. Socialized medicine won't fix any of that....

Comment: Re:Lies and statistics... (Score 5, Insightful) 565

by Shakrai (#47562169) Attached to: 35% of American Adults Have Debt 'In Collections'

Yes, since the bills would be covered by insurance.

After the deductibles and co-pays. I have a "platinum" plan through my employer; better insurance than anyone else I know and the co-pays still total up to a considerable amount. No deductibles for in-network on my plan, which makes me extremely fortunate. As a single guy I can afford the co-pays even with my modest salary but I can see how quickly they would bankrupt someone with a family, particularly if said family had one or more members with a chronic illness.

Incidentally, I was just exposed to rabies a few months ago:

Strike One: The only place to get the immunoglobulin is the ER, because it's very expensive (>$4,500) and has a short shelf-life. ER co-pay: $150
Strike Two: There's a set schedule for the vaccine, Days 0, 3, 7, and 14. You can get the vaccine from your primary, in theory, but of course my primary has a months long waiting list because we're driving PCPs out of business. Bottom line, I can't get appointments with them for Days 3 or 7, so that's two more trips to the ER. Additional co-pay total: $300
Strike Three: New York State ostensibly has a fund to pay for out of pocket expenses related to rabies exposures, but they only reimburse for the rabies vaccine and immunoglobulin. Since the ER decided to give me a tetanus shot on Day 0 NYS won't reimburse me, even though my out of pocket would have been $150 with or without this extra shot. Hooray for bureaucracy!

Totaling all this up, that stupid bat that found its way into my apartment has personally cost me $465 ($450 of ER co-pays, $15 of PCP co-pay) while my insurance company is on the hook for close to $7,000. My annual premium is about $6,000. So this one incident wiped out every penny they made on me and then some. I'm an otherwise healthy 32 year old marathon runner that ought to be subsidizing those who are less fortunate. Now imagine a family of four that were all exposed to the same scenario I was.....

Comment: Re:Eisenhower was right (Score 1) 511

When you have a hammer, everything starts to look like a nail.

When you're surrounded by nails, and standing around holding a hammer, people will wonder why you're not hammering. As long as you're not Jewish. In that case they'll try to convince you that you're surrounded by petunias and daffodils.

Comment: Re:maybe (Score 1) 511

They aren't part of Israel (so the inhabitants don't get any rights as citizens) and they aren't allowed to become a separate state (if they try they get bombed and 'settled' some more).

The problem seems to be that every time Palestine gets some degree of freedom, it results in more rockets and shells falling on Israel. Not exactly an encouraging trend if you're considering giving them more freedom.

It might also help if the government of Palestine didn't have "destroy those Jews over there whom we won't even call Israel because we don't recognize the existence of such a state" as a major part of it's official policy.

Comment: Re:maybe (Score 0) 511

It is quite similar to what the Nazis wanted to do. Not the Holocaust, but Lebensraum - they wanted to remove the 'inferior' Slavs from the land they wanted to occupy. Just like what Israel is trying to do now to the Palestinians

You really have to be a complete fucking idiot to say something that ignorant. Yeah, Israel wants the "inferiors" gone so badly that they let them immigrate, give them citizenship, and let them hold elected office. They provide them with more rights in Israel than they would enjoy in Muslim-run countries. Meanwhile they continue to endure constant attacks while providing electricity, fuel, food, and medical help for the population which is attacking them.

Seriously, you're either mentally handicapped or you're intentionally lying. There's no halfway point here.

Comment: Re:maybe (Score 1) 511

Didn't your mother teach you that two wrongs don't make a right?

If you're basing foreign policy on things you learned from your mother, you're doing it wrong.

I disagree with Hamas methods and I do not in any way support them. But I disagree with Israel's methods as well. Hamas hiding weapons in a school does not justify shelling that school when it is full of children.

Yes, it absolutely does. Israel makes every reasonable effort to avoid hitting civilians, but when Hamas encourages people to sit on top of known targets it's completely fucking impossible to avoid killing them. The South Park Movie has a satirical bit where the US Military uses a tactic called "Operation Hide Behind The Darkies", which involves having their white soldiers hide behind all the black troops. They also tie black soldiers to their tanks and airplanes. Humorous at the time, but that's essentially what Hamas is now doing in Palestine, except with women and children.

"You can't blow up our rocket launcher, look at all the kids we duct-taped to it!"

And people like you just lap it up.

Comment: Re:Occams Scalpel (Score 1) 962

by c6gunner (#47540175) Attached to: The Daily Harassment of Women In the Game Industry

There is a disparity here that we need to take into account.

You haven't demonstrated a disparity. Assault is assault regardless of whether some guy thinks it should be taken seriously or not.

It's also easier to sexually assault a woman with a grab, as grabbing her boobs counts and grabbing my chest doesn't.


Comment: Re:One trillion becquerels (Score 0) 190

Have you seen the videos from Fuckushima? Or read about what happened in Chernobyl? Or almost happened in TMI? Apparently not.

Yep! Which is why I know that you're full of shit.

Then again, the fact that you used the words "nuclear apologists" in the very first sentence of your very first comment was also a dead giveaway; after that, even someone who isn't intimately familiar with those incidents would still know you're full of shit. You realize you're on Slashdot, right? Not NaturalNews?

Comment: Re:Super-collider (Score 1) 218

by c6gunner (#47518019) Attached to: China Plans Particle Colliders That Would Dwarf CERN's LHC

Will they have to buy a new one every year?

No, but the first one will turn out to be a cheap knockoff with out of date hardware that only gets a tenth of the advertised resolution and fails to work when it's cloudy outside.

Also the user manual will be so bad, they won't figure out how to use it until 2045.

The F-15 Eagle: If it's up, we'll shoot it down. If it's down, we'll blow it up. -- A McDonnel-Douglas ad from a few years ago