#they also said that if you don't have the money you should get on medicaid/social security

[petpetpinixy]

saw someone saying that trans people who haven't/won't medically transition are a danger to the community. never heard that one before

[brazenautomaton]

America's health care is uniquely bad. Other countries that have more socialized medicine pay much less. Other countries that have less socialized and more profit-focused medicine, like Singapore, also pay much less. The overhead administration costs of medicine in the US are a huge waste, but they're not only found in the insurers: the insurers and the hospitals alike have massive administration costs. Insurance companies didn't decide to have that happen.

Overall, the population of the US spent 4.3 trillion dollars on health care in 2021. The government spent $689 billion on paying out Medicare benefits that same year, and a similar amount in Medicaid, ACA, and CHIP payments. Medicare accounted for 10% of the federal budget, those other health programs were another 10%, and Medicare itself was responsible for 20% of national healthcare dollars spent.

(source)

Medicare is not for-profit medicine (the expenditure number is the net spending after it gets insurance premiums). If the government paid for all our health care with similar programs to what it has now, it would nearly double the federal budget and the country would collapse. This is not something you can say "oh, if only the rich paid their fair share!" -- if you violently claimed the assets of all American billionaires, you wouldn't have enough to run this for a year.

For-profit medicine isn't the problem and socialized medicine isn't the problem. The cost is the problem, and the cost is not due to insurance companies. A lot, a LOT of that administrative overhead is compliance with regulations that do not make anyone safer and do nothing but waste money. The ways that health care providers keep costs down, notably things like "not paying for extremely expensive experimental procedures that have a low chance of working," are illegal. Malpractice case law has led to the practice of "defensive medicine," where people are given huge batteries of expensive tests that they don't need because if there is the slightest hint of some other condition that they miss -- a hint that over 99% of the time means nothing-- they will have the skin sued off of them. Like if a patient says they're sad about something, then it's time for a full battery of psychiatric tests, because one time a patient said they were sad and killed themselves later and the jury said "you should have known that he was going to kill himself because he said he was sad, now pay out a shitload of money."

The government won't provide universal health care and ALSO won't let anyone do any of the things that make health care not expensive. Medical bankruptcy is a new thing! Insurance companies existed long before the 1970s, but back then people could actually pay for treatment! The thing that changed in the intervening time wasn't that insurers suddenly became profit-driven for the first time!

Abolish for-profit health care insurance.

[whimsically-ominously-auspice]

Alright so a lady said she called the insurance company and they said they wont cover a thing.

This is true. Many insurance companies do not covet flood damage. This is because insurance companies are greedy.

American Modern, my insurance company and one I use personally does.

Now if you dont want to change your entire insurance that is understandable. However everyone should have flood insurance which is sold seperate.

Googling flood insurance is more help than this website when PURCHASING but it explains flood insurance like the 30 day waiting period that covers

So people in Michigan like this lady are sold out of luck.

Flood insurance is usually $100 or less per year.

We have designed a flood insurance policy that will cost $1000 for 2020 IF you have been flooded already such as Houston and such as this lady. Then it will go down to $29 per year. Tree will post the link and more information after i post. First i will ramble on.

In New Mexico it is the law if we are in a flood zone we must have flood insurance if we have a mortgage. Some banks require it in other states. I live within a miles of the Rio Grande River and thus I am required flood insurance and every year when my insurance updated, i would get a letter from Wells Fargo who is dumb and they would say that i needed flood insurance. Because they didn't read the premium notification that it is included in American Modern. The first year i called myself. The second i called the local insurance office I got the insurance from, went in and explained the problem. She said she would cuss them out. Next year same again. So i called and she said "again?!" She gets really mad. And whatever she said worked because they never sent me another letter.

So I know about having it...

Now y'all check your insurance and see if you have flood covered I'll pay every one $5 regarding insurance today.

Renters should have insurance also and Tree has a website for y'all for $5 - 79 per year.

Yes per year. I pay $1000 about and nothing happens! So why charge so much?!!? Lets not be so greedy!! I only cover $92,000 on my house. Not millions. It's a trailer in town on a small plot of land. I paid $82k and now it's worth as a regular home because Facebook moved to town $160k but because it's mine and celebrity ststus it's worth, $800k substantially. So i don't cover all that but i do have other insurance policies up to $1M that i don't pay the policy for they in the CIA database and because i own the insurance company that i use, i get $1M of free coverage per home I cover with that company. Which then harms our pocket book when things happen and I have to use the policy and make a claim.

So now, the point is. Y'all need insurance for now in case something should occur. For emergency areas or disaster areas where people were uncovered we will be proactive and use our hundreds of Billions of dollars collected on insurance premiums to help Y'all out for this year. The website will list who will be covered retroactively. Meaning you didn't have,insurance but pay a high premium and we will,pay whatever it is to restore your home or buy you a new one.

Premium will be $1000 to $5000 for what is labeled as flood insurance. So a little house like mine to a big mansion.

It is high but if my house was damaged it would cost 20k to repair or at least $5k So i would save $4k and we will include damage already done like plumbing and electrical. So if you had damage to those prior to flooding we will repair. Floors will probably be covered on flood damage I do assume. Furniture replacements of low average cost so about $1500 for a couch, loveseat and chair. $200 for TV. And so on.

If you have proof you had a monster of a TV then you can post pictures and get 100% replacement value. Otherwise you'll get the $200 which can buy a 47" LED non smart on sale.

Reciepts of furniture and so on will give you full replacement cost. Otherwise its average low cost... Good quality still. Talking like a discount furniture store. Or online furniture purchase.

So talking receipts because "but Sabrina! Its a flood and you're telling me to save paper and the ink fades!"

No, baby, take a photo of your receipt and upload it to the cloud in s special labeled folder titled "receipts" then you'll always have them.

So say you pay $5000 for a TV 10 years ago. So,that T.V. today will may be cost about $1500 so you get the replacement cost. Not the $5000 you paid but what it cost to replace it. So you'll get the same exact thing at the store. But say it was plasma. And they don't sell that any more. So its the same size and smart capable and LED which is better than what you had but cheaper. So don't freak out. You'll get enough money to buy again what you bought.

Insurance can be kind of confusing but it's today's prices for yesteryear's items

They keep up to date on prices. There's teams dedicated to knowing,exactly what items,cost. They would,win killings on the Price is Right. In fact they're banned from participating.

So get y'all $5 to LOOK at your current premiums and how much they are and what it covers.

If you have insurance and you need flood $5 to get that ASAP.

$5 for renters to check out insurance and $5 to buy.

Same for homeowners without insurance.

American Home and Geico will now offer 15% less automatically to what they usually charge. So it's on an auto 15% less for the next year no coupon or announcements. So until May 20, 2021 the charge will be 15% less than They would usually charge. For your safety and convenience.

American Home doesn't do commercials so its already cheaper. Lower overhead cost. Just by $10 - 200 per year.

Also for the retroactive flood. We will do payment arrangements. So like me i don't have $1000. So you pay $50 until you get to $1000 (Or $5k whatever it is) but we won't work on your house or give you money until your premium is full. Except when on EBT AND Medicaid. Show proof of income. We will check with social security to see if you've lied and if not we can omit your premium and deductible from your pay out. So say its a $2000 premium with $500 deductible and you're out of work. Social security can tell us that and then we can give you the $1,500,000 MINUS 2500.

People marked on SMS:BrightGady and their homes will be rejected for insurance coverage on retroactive. Find the ass hole idiot that damaged your home on purpose and collect from them.

We are only covering INNOCENT HUMANS. So if you got DNA4U to prove that you are, you KNOW you can get the retroactive coverage. If you don't have DNA4U then you can try and see.

There is no hotline available to call and whine you're an alien or terrorist that can't get coverage

After a person is approved, obviously of course, phone numbers will be available.

As for the flood -- PREVIOUS damage about a year ago was done to the dams. But this overage and failure was due to simply too much rain water.

So I apologize on the behalf of myself and tree. And we will do this insurance for y'all although it is not our fault, we just apologize that there's inconsiderate ass holes that have not died of COVID yet. And this occurred.

Hopefully family heirlooms or special items to the heart which are not replaceable are magically protected by love. And you'll be able to find them to be in a good condition, surviving the floods.

Im sorry for the pain of the floods..

Chicago and Houston and some other places globally. And also Australia and the Amazon Rain Forest Fire Victims can apply for retroactive insurance.

[whatelsecanwedonow]

you really don't like sanders? where do you stand on the 'big' issues? if you don't mind talking about it.

Fell asleep last night, whoops. I don’t mind the Senator, really. If he had won the nomination I would have been riding the Bern-train, it’s not like anyone on the right could have been better. He’s a good Senator, but I don’t think he’d make for an effective President in the current climate. This ended up getting long so it’s under a cut.

I guess where I stand, differently than him… well. Bernie is a good agent to nudge the Democratic Party to continue progressing as… progressives, he is a good voice for the worker, and human rights, I like his work on promoting the importance of labor unions, for example - forgotten by too many blue-collar workers. However some of his proposals as a candidate were 150% DOA in a general election. 1500%. 15000%. His single payer health-care system for example, and the tax increases to pay for it. Do I think we want to end up with a system like that? Absolutely, I think moving in that direction as a step beyond the ACA as it exists now would help Americans immensely. But you can’t climb Everest in a day - the reason Obamacare could be considered a type of halfway step in the process towards true universal healthcare is because in America change is typically strange and slow. If you see the opportunity you can take it, but we’re very entrenched in our positions and conservatives don’t just want to stand pat, they want to regress. You have to bring them along, you have to appeal to broader visions and then prove your policies out and take the next step. Hopefully - at this point facts mean so little who knows. But years ago now, ACA is what got through a Democratic House, Senate and White House, lol. And it BARELY made it, go read up on that. If anyone near the center-right/center heard how much he wanted to increase taxes, to “try and make us like Canada” or take care of “all those freeloaders who won’t even pay in” to MANDATE PEOPLE AT BIRTH to be a part of this thing (whatever they’ll say) he would have been done. Literally cooked and served. On taxes Americans couldn’t even allow the temporary Bush tax cuts to expire and Obama and the Democrats had to finagle portions of that into permanence. And that’s on one issue. Obama couldn’t have sold that to the people and he’s undoubtedly the best communicator of this political generation. Hillary had a plan for tweaking and improving Obamacare, a public option and expanding Medicaid, and I thought that was a great idea. Fix what we have now, improve it, try to compromise and get results there that can help people.

Anyway…big issues, idk…with Bernie, he pulled Clinton over on the TPP, but I was with President Obama in supporting the measure. The globalization of the economy helps the American people and the world, and I think as a country we have a responsibility to both. It would have helped wage growth and the GDP more in the other partner nations like Vietnam than here, but I don’t think that’s awful when it does still help us grow our GDP and create some jobs at the same time. Plus forging partnerships with countries in the Pacific Rim helps to stem the influence of China, that’s important. We have to transform (Obama talked about this in at least two SOTU addresses) the American worker, the education system, prepare people for new jobs and a changing economy. Technical jobs, high skills, computer science, whatever. That makes this a duel-pronged issue but still, I like that.

Now of course, a bunch of people here in Appalachia and other depressed rural areas think Trump is going to bring back all their factory and coal mining jobs with great wages and benefits. And those countries in the Pacific Rim will now have incentive to grow closer economically and otherwise with China. Which in his Inaugural Speech, Trump essentially said was fine. Great.

Ehhh… I’m not a fan of the inconsistency President Obama showed in foreign policy, specifically in Libya and then Syria, but overall I’m there with him too. Pretty traditional on it. I believe the United States is vital to maintaining the known order of the world and having a military capable of backing that goal is key. Not that we can do it recklessly; Syria, for example, I agree with Obama that we should not have interfered with regular ground forces because the only way we could have made a difference was to occupy the country as we had Iraq, and that really went well, national building, AWESOME IDEA. But I don’t like that he kind of committed us with that “red line�� statement and when Assad crossed it we didn’t stop him. No-win at that point, despite the fact that we lead the effort to remove all chemical weapons from the battlefield (smaller, if still very significant win). Anyway point is - strong American foreign policy, leadership, support diplomatically and militarily, to allies and alliances like NATO, it’s vital. I’m not sure we did enough to project strength against Russia when they took Crimea either, and started (and continue to fight) a barely secret war in eastern Ukraine. We have begun doing much more to project strength and protect NATO countries but now with Trump!! Everyone in Europe is shitting their pants except those in the old Eastern Bloc who want to return to it.

Anyway…those feel like some points of division, but I’m as liberal as anyone on social issues. Human rights, women’s rights abortion, racial equality and criminal justice reform, police reforms, environmental issues. Labor rights, on gun rights I was pretty much right in line with what was on Hillary’s platform, I also liked Hillary’s plan for paying for college more than Bernie’s. Campaign finance reform, I think every one wants to get so much money out of the process.

It might seem like I’m suction cupped to Obama’s ass on a lot of issues but I just really believe in the ~Obama Doctrine~ both at home and abroad. That’s my guy.

[raimagnolia]

For the one with "concrete suggestions" Anti-maskers and anti-vaxxers are also anti-covid relief. You guys know that, right? They believe it's socialism. There was a strong stigmatization of everyone who stayed inside during lockdown and didn't physically go to work. And it's still here, and very present, in both Republican and Democratic states.

They're the ones straight up assaulting anyone telling them to do the very basic shit of covering their mouths and getting a FREE vaccine.

If you want a free covid test, there are steps to take, but yeah, unfortunately it does depend on which city you live in and the store you buy from, as well as if you're a student or not.

"Schrier said in the spring that test prices were high because "big companies are buying up all the supplies." In addition, "their profit is far higher making 1,000 $30 tests than 30,000 $1 tests" — in other words, they can make the same amount of money for many fewer tests." Biden has tried different methods in lowering the prices, and people with Medicaid can get it for free, but general market prices are no where near what they are in Germany & India. But like the person above said, that does not stop conspiracy theorists or assholes who think that their rights are violated when asked to take a covid test before entering the labor ward of a hospital.

I think you guys should spend more time reading from people on the front lines or reading the posts by anti-vaxx people.

It's not losing one's compassion; anti-maskers/vaxxers lost their compassion for everyone else because of their beliefs that are quite literally based in eugenics. Like, straight up Nazism. I'm sorry but you can't really convince people, especially disabled people, to do whatever they can to save those people's lives. When people anti-mask/vaxx/lockdowns are so hell-bent on ruining other people's lives. It's a nice thought... But not quite a realistic one. Because even while the vaccines were free in areas across the nation, what they began saying is that there was something suspicious about them being free. And that's why they should be avoided at all costs.

And then you even bring up mandates!

Did you forget about the armed mobs that were outside of offices of politicians? That the police itself did not break up, even when they entered a capital building, despite the fact that they were not following the state laws of lockdowns or wearing masks?

Guys, that was MAY.

Of 2020.

They did that shit from the start.

And it has. not. stopped.

And talking about vaccine mandates means that you're going to be treated like this:

And that's in places where OF COURSE YOU NEED TO BE VACCINATED IF YOU'RE GONNA WORK AT A HOSPITAL WITH A COVID WARD.

That's as much their protection as it is everyone elses, goddamn it! But they JUST don't see it that way!!

And what's worst off is that politicians themselves, are actively spreading misinformation about the effectiveness of mandates. And honey, what's your solution for that? You want to fire them? Publicly elected officials? You can't just point at them and say "you're fired!" You can't. That's neither how that works nor would it make anything better by turning them into "martyrs for the cause". Honestly, they're treated as martyrs even if they die from the disease, too.

(Edit: [and one more thing! lol] In order for mandates to be effective.... You need enforcement... Who are you going to make enforce these laws when the police in America are also not following the mandates?)

I would argue that just like for other deadly diseases, we should actually start arresting people who are are part of super-spreaders. We would have to start treating people who purposefully cough in someone's face, during a pandemic, as assault. Because hospitals are getting overwhelmed, we either need to build separate, federally owned, covid hospitals (like other nations have done); or we need to set a limitation for how many covid patients can enter a hospital so they stop overwhelming the hospitals.

So, about that recent White House statement on COVID....