Comments on: Why I’m Not Buying the McCain Health Plan

By: David White

David White — Tue, 14 Oct 2008 01:18:28 +0000

Somebody explain to me how McCains health insurance plans would affect my company. My company is self insured. All the company does is mail a check to Blue Cross after it is billed by the doctor/hospital.
We have a yearly deductible, an admission deductible, and a standard 80/20 major medical coverage. We pay no premiums, and the company pays Blue Cross an administrative fee to adjudicate the payments according to the plan. So there is no “policy” premium cost as such for us. What part of my health insurance would become taxable?

By: josephine ector

josephine ector — Thu, 05 Jun 2008 04:30:48 +0000

let it be a shared program, half job half government

By: tom davis

tom davis — Tue, 27 May 2008 15:26:15 +0000

My company currently pays $14k per year for my family’s health insurance. Under McCain’s plan, my employer no longer has an incentive to offer health insurance because it won’t be tax deductible. McCain will give me $5k in tax credits to buy my insurance. That means I will have to come up with $9k every year to buy my health insurance. If McCain is in office for eight years, I will have to pay $72k for health health insurance. I will NOT be voting for John McCain becaue I don’t have $72k. His health insurance program will bankrupt me and my family. No thanks.

By: harishk

harishk — Thu, 15 May 2008 06:17:49 +0000

hi hiiiiiiiiiiiiiiiiii

By: Jana

Jana — Fri, 09 May 2008 17:02:00 +0000

I was laid off Monday and will lose my company insurance plan on May 31st. Before my full-time employment, I had private insurance for my family. One of the big differences between the two is that the company insurance is spelled out and I never had a claim questioned or denied. With the private insurance, they questioned everything and actually denied a claim that I knew my policy covered. I had to file a complaint with the state to force them to pay it. The private insurance companies set up lots of hoops to jump through hoping that people will just give up, which happens much of the time.

If Big Business wants to dump the cost of company insurance plans then they need to raise our pay to compensate for the loss. Then our govenment needs to regulate the ridiculous pricing in the medical industry. Fair market won’t drive prices down when you are dealing with medical procedures and medicines that people have to have. Then our government needs to force the medical industry to make their pricing, billing, and treatment protocol information transparent and user-friendly to the general population.

Finally, every govenment employee in the USA needs to lose their health benefits right along with the rest of us. The very people who are deciding that we, the American workers, can be left on our own to shoulder our medical costs have their medical coverage paid for by us, the American workers.

By: Jana

Jana — Fri, 09 May 2008 17:00:12 +0000

By: Ginnie

Ginnie — Thu, 08 May 2008 23:34:02 +0000

I don’t think Mr. McCain’s plan is the answer but neither do I think a national health plan as proposed by Mr. Obama or Mrs. Clinton is the answer. That will only encourage private employers to drop their coverage for employees and dump the responsibility onto the government(as was the case with the prescription drug plan). I absolutely agree with Robyn.

Our government will go bankrupt in short order if they must provide health care for every single citizen. Someone needs to come up with a plan that focuses on American citizens that WANT healthcare insurance but truly cannot afford it. The people that will not purchase insurance (but truly have the means to) and think they are owed healthcare insurance because they’re an American need to take a realistic look at some of the countries that have socialized medicine. It ain’t pretty. Everyone needs to do their fair share and not put it on the backs of the government or other people. While many people can’t, most people could afford to pay their fair share. The ones that can’t are the ones we should help.

By: Robyn Howell

Robyn Howell — Thu, 08 May 2008 14:52:37 +0000

The problem is not necessarily the people WITH health insurance….it the people WITHOUT health insurance that puts the burden on everyone. Why doesn’t McCain put this plan into action for those who DO not have any (including Medicaid/Medicare) insurance? Leave the people who have a job and have health insurance through their company alone.

We have a son who had open heart surgery in 2004 that went bad and left him paralysis from the waist down and it has been one thing after another for him since. Without our health plan insurance through my husband’s company we would not have been able to provide adequate care for our son.

I ask this question because I have pondered over it for the last few years with everything that has happened to our family……my parents taught me to be honest, not greedy, and respectful of myself and others. My question is does this matter to anyone anymore? My husband and I are very honest (that is why our son doesn’t qualify for SSI even though he is 19 years old), we are not greedy…..let us save that program for someone else less fortunate than us, and we respect ourselves (we actually go to work everyday and work hard….we DO NOT live off the system like many others and we respect others…..and offer prayer, help, and money when we can for those less fortunate.

I feel like the Americans who do support theirselves and their families the old fashioned, honest way by working……end up getting ate up by the government and society. Does anyone agree with me?

By: Linda

Linda — Wed, 07 May 2008 21:54:55 +0000

Amen to Amy O’Connners email regarding the self-insured. My husband is self-employed and I work part-time so we purchase our own health insurance. We seldom go to the dr. and have not had any of the preventive tests run ie: colonoscopy, mamamogram, pap smear, prostrate, etc. because if we added the costs of these tests which would not be covered under our plan and the monthly premium we pay, we would have to sell our home! I recently went to a dermatologist to have some skin cancers removed and it cost out of pocket $1,000. I choose not to have one spot surgically removed because of the cost and am trying to heal it with medicine which is also costly. Every year when our premium goes higher (this year approx. 12%)I consider cancelling our policy, but am afraid if we had a serious disease and had to be hospitalized we would loose everything we have worked for. We are not wealthy and half of what I make goes to pay the insurance premiums. Is there anyone else out there that can identify? I am 58 and my husband is 59. We do not plan on retiring anytime soon, maybe never!