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How am I giving you only partial info? "High deductible" plans, on their own, are very unaffordable relative to only a few years ago. Your link illustrates th
by mgkimsal 10y ago
How am I giving you only partial info?
"High deductible" plans, on their own, are very unaffordable relative to only a few years ago.
Your link illustrates this even more. HSA funds can't be used for DPC monthly fees - those are out of pocket costs. You can pay service fees (for services over and above what's provided by regular DPC services) with HSA. However, you can't get money IN TO an HSA without also having a high-deductible insurance plan.
You can say the HD plan is for catastrophic situations, with DPC being day to day, but for most folks I know, especially with families, the HD plan on its own has extremely high costs, and saying "let's also subscribe to a DPC service to keep our costs down!" makes 0 sense for almost all of them.
DPC alone won't deal with "crap, I just got cancer and need $180k of treatment". "regular" insurance can deal with that, but it's still extremely expensive.
Maybe I'm missing something in what you're trying to say.
- Mz 10y agoOkay, that's valid. Here is the thing: Catastrophic health events are not determined by some random number generator that says "Tag! You're it! We decided to fuck with you today!" Study after study after study shows that diet, lifestyle and preventive care (or lack thereof) correlate strongly with whether or not someone winds up with a catastrophic health event. This includes cancer. One of the ways DPC lowers costs is by helping patients stay on top of health maintenance so health problems do not escalate. For example, patients with well managed diabetes can live long, healthy lives with few complications. Patients with poorly managed diabetes see high rates of blindess, foot amputations and other horrifying, expense, life altering health complications due to diabetes. Does that make any more sense?
- JoeAltmaier 10y agoOnly about 40% of cancer can be controlled by our behavior. The rest are indeed random and unpredictable. Its healthy to see ourselves in control of our lives. But at some point it becomes unrealistic, or victim-blaming, or just denial.
- Mz 10y agoI am the wrong person to tell that to. But, you know, the masses will agree with you and when I try tell my true story of overcoming a medical death sentence by changing my diet and lifestyle, every asshole within three million miles piles on to kick the shit out of me and accuse me of being insane, often while mods in various forums largely side with the lynch mob, say it is my fault I am having the shit kicked out of me and turn a deaf ear to the idea that "no personal attacks" should apply equally as much to me as it does to any other member. So, since I am absolutely sure this is not a discussion that can be had in good faith at all, you just keep on believing whatever you want to believe. Don't let me confuse you with the facts.
- JoeAltmaier 10y agoI'm happy for you. But a personal story is not data. And the persecution complex is probably not working out very well I imagine.
- Mz 10y agoI don't have a persecution complex. Thanks so very much for hypocritically victim blaming right after telling me it is a bad thing to do to other people. Your reply is dismissive and totally in line with every shitty thing ever said to me on the subject and in no way makes good faith discussion a viable option.
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- tsomctl 10y agoThere are different kinds of catastrophic health events. A heart attack or stroke is preventable. Dropping an engine on my arm or breaking an ankle while hiking is very much determined by a random number generator, unless if I spend my whole life sitting in front of a computer. In which case I'm going to die from a heart attack or stroke from lack of exercise.
- Mz 10y agoI paid accident claims for over five years. The absolutely "Fuck you, you were in the wrong place at the wrong time" totally random stuff was a shockingly tiny proportion of the claims I paid. The vast majority were either 1) accident waiting to happen because people are irresponsible asshats or 2) people who knew how to work the system and wanted to milk their insurance for all it was worth. And the thing I found hardest to swallow about that job was that many of the totally random, shit happens claims from good people not milking their policy for money got damn little money out of us. It seemed incredibly, horribly unjust to me.