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flawless12
Why is health insurance so expensive? It seems as though on an average people are paying close to $375 a month for it and when it comes time to getting a procedure done or any kid of testing, you end up paying more. What do you guys think?
Answer
Inflation affects insurance companies as well as hospitals, Doctors too. Hospital wages, equiptment, electric, gas, food, etc, etc, takes the price billed to the insurance companies up and so it is passed down to the consumer (you and me). The hospital I use just took up the cost of everything, rooms, testing, and I imagine everything they could.. So, I know I will soon be seeing an increase in the insurance premiums. If my hospital is raising prices they won't be the only ones to do it. Things like people not paying what they owe, defrauding insurance companies, like the guy on YQA who wants to pull a bump and run with his car to defraud the car insurance. These things will bring up the premiums we all pay. As far as I am concerned Insurance Companies are a Scab on the face of the Earth!!!!! They are a rip off, if their profits are not in the billions and billions they will keep raising the premiums and always have a good excuse for doing so. God forbid you are really sick and have to use your insurance, say Cancer, eventually your insurance is cancelled or you can't afford it anylonger. Once your insurance is cancelled, you are Cancer free and try to get insurance once again......NOT.....they ask you the question have you ever had Cancer? Answer yes, you are flatly refused or given a rate for the insurance which is so high you can't afford it. Answer No, be lieing and get caught you will have to pay everything and anything back they have paid or go to jail for insurance fraud. What we need in the United States is Nationalized Medical Care like they have in Canada and several other countries. The lobbyist for the insurance companies will never let that happen, their industry lives in Washington DC giving perks to every Congressman and Senator they can. The pharmacutical companies have done the samething. They were able to get a bill passed that effectively made it so they can continue to raise ther prices as they deem necessary. Medicare, now gets no deals from the drug companies in order to keep the prices down to the consumers. I know for sure that the VA is still getting deals, they wouldn't go along with them. There were quite a few others that are affected as well. However the bill was worded I can't say, but the one thing I do know is that it screws the consumer and keeps the drug companies with ridiculously high profits. At the same time there were many Congressmen and Senators who retired after this bill was passed, and were hired by the drug companies as lobbyist, at least 12 of them retired. These are politicians who pushed hard and called in favors from all the collegues to get the bill passed. It smells a little fishy to me.....like a conflict of interest....especially if these politicians knew they were going to be hired as lobbyists. Old GWB said afterwards that if he realized what was going on he would have done something to stop it. Why doesn't he have a 10 million dollar investigation that will go nowhere!!!!!!!!!!!!!!!
Inflation affects insurance companies as well as hospitals, Doctors too. Hospital wages, equiptment, electric, gas, food, etc, etc, takes the price billed to the insurance companies up and so it is passed down to the consumer (you and me). The hospital I use just took up the cost of everything, rooms, testing, and I imagine everything they could.. So, I know I will soon be seeing an increase in the insurance premiums. If my hospital is raising prices they won't be the only ones to do it. Things like people not paying what they owe, defrauding insurance companies, like the guy on YQA who wants to pull a bump and run with his car to defraud the car insurance. These things will bring up the premiums we all pay. As far as I am concerned Insurance Companies are a Scab on the face of the Earth!!!!! They are a rip off, if their profits are not in the billions and billions they will keep raising the premiums and always have a good excuse for doing so. God forbid you are really sick and have to use your insurance, say Cancer, eventually your insurance is cancelled or you can't afford it anylonger. Once your insurance is cancelled, you are Cancer free and try to get insurance once again......NOT.....they ask you the question have you ever had Cancer? Answer yes, you are flatly refused or given a rate for the insurance which is so high you can't afford it. Answer No, be lieing and get caught you will have to pay everything and anything back they have paid or go to jail for insurance fraud. What we need in the United States is Nationalized Medical Care like they have in Canada and several other countries. The lobbyist for the insurance companies will never let that happen, their industry lives in Washington DC giving perks to every Congressman and Senator they can. The pharmacutical companies have done the samething. They were able to get a bill passed that effectively made it so they can continue to raise ther prices as they deem necessary. Medicare, now gets no deals from the drug companies in order to keep the prices down to the consumers. I know for sure that the VA is still getting deals, they wouldn't go along with them. There were quite a few others that are affected as well. However the bill was worded I can't say, but the one thing I do know is that it screws the consumer and keeps the drug companies with ridiculously high profits. At the same time there were many Congressmen and Senators who retired after this bill was passed, and were hired by the drug companies as lobbyist, at least 12 of them retired. These are politicians who pushed hard and called in favors from all the collegues to get the bill passed. It smells a little fishy to me.....like a conflict of interest....especially if these politicians knew they were going to be hired as lobbyists. Old GWB said afterwards that if he realized what was going on he would have done something to stop it. Why doesn't he have a 10 million dollar investigation that will go nowhere!!!!!!!!!!!!!!!
Holiday to Canada - what is there to do and see on holiday?
Dreamer
Toronto - 3 days
Niagara Falls - 2 days
Deerhurst Resort - 5 days
Pembroke - 2 days
Ottawa - 2 days
What can we do in these places?
I'm from Ireland and have never been there before, we want to make the most of it!
Answer
What you do will depend on your preferences.
Toronto....live theatres abound, small and large, and movie/cinema theatres are everywhere and Toronto is frequently where major movies are first released for viewing by the public, even ahead of all USA cities.
Bars and Clubs for after-hours fun are readily available as well, and Toronto has major-league sports teams in baseball, football, soccer, basketball and hockey, depending on the season.
The CN Tower is a major tourist attraction, being the highest structure in the commonwealth, and from which you can walk onto an enclosed platform that lets you see most of Toronto from a height of 1200 feet. It also has a restaurant that revolves around the tower once per hour. Food quality and service there can sometimes be very good, but more often varies from good down to poor. Immediately south is a series of islands, linked by small bridges and accessible by a ferry that runs across the harbour, a distance of almost one mile , depending on destination chosen. The west end of the island chain is an airport, and it is accessible also by ferry
but there the distance from shore is only a hundred yards.
This can be a quiet and relaxing way to spend a day, or get away from the noise of the city for a picnic. Food and entertainment for kids is available, bicycles can be rented and swimming is usually open.
Across Toronto shopping is readily available, the area of Bloor and Yonge being the most expensive, but malls, both open and indoors, are all around the city. The Eaton Centre is the main shopping attraction, located right next to City Hall at Yonge and Queen Streets.
Underground shopping and entertainment is also right there, as underground passages that run from north of the Eaton Centre to Union Station (over half a mile) provide many underground stores, conveniences, restaurants and entertainment, plus access to above-ground things such as hotels, banks and theatres.
Transportation type varies, but is available all day and night in downtown areas, less in suburbs. Depending on your location, you can travel by bus, streetcar (electric cars that run on rails and use spring-loaded trolleys to connect to overhead wires) and subway. Taxis, of course, are everywhere, at all times.
Food choices are open to your imagination, as Toronto probably has the most choices of any large city, with restaurants representing the foods of every nation on hand. Most of it is even reasonable in price and fairly good.
Larges ethnic areas exist. In the east is Greek, then Indian/Pakistani, mid-downtown is Chinese and Viet Namese, plus Korean. Slightly west of that is Portugese, mid-north is the Jewish district and in between is Little Italy.
Toronto even has its own real castle, Casa Loma. It does not have the history of British castles, but it does have its own character and panache. Three is a large and well-renowned zoo on the east of the city, where the animals have freedom and YOU are caged....or it seems that way.
Bear in mind that Toronto is a LARGE city, so if there is a particular attraction that you want to see, check a map and/or ask for assistance before venturing out: travelling from the airport (north-west) to the zoo (east) is more than forty miles along the highway. That highway (called 401) is an adventure if you are unaccustomed to heavy traffic. Across Toronto it has up to 16 lanes of traffic....8 in each direction.
Niagara Falls.....a highly entertaining area. Scenery is nothing less than spectacular. There is an eclectic area on Stanley Street that provides the aura of a carnival, with a lot of things available, from adult and children's rides to a Canadian Madame Tussaud's Wax Museum. You can go to the Casino, as well, where you can spend money and/or watch the live entertainers, usually middle-to-upper class ones.
The Falls themselves are spectacular. They are the division between USA and Canada, and both sides offer their own views, but all visitors will agree they are best seen from the Canadian side. At night they are illuminated by coloured lights, and this is worth seeing.
You can take a brief (and expensive ) helicopter ride over the falls, or buy a ticket for the Maid of the Mist boat tour that runs all day, and takes you close to the bottom of the falls. They supply the rain gear......you WILL get wet anyway, but it is great fun for kids and adults.
Make hotel arrangements in advance, because summer visits are high season and some will raise the prices daily if demand will support it.
Deerhurst is in a comparatively remote area , approximately 100 miles (160km) from Toronto. It is largely self-contained. You get to relax there, enjoy the food, (which is usually quite good) play golf, and they have some entertainment in the evenings.
You could rent a car and drive around the area for a day and this would be highly recommended as some of the scenery is spectacular. (You drive on the RIGHT side of the road).
A little more distance and you can visit Algonquin Park, where a highway runs through the southern portion of the park and you very often see wild animals roaming free.
Fishing is plentiful in the area, mostly pickerel, pike and bass.
Pembroke....relax and enjoy. It is a small city, not that far from Ottawa. If relaxation does not appeal to you after Deerhurst, try white water rafting. Depending on the outfitter you choose, (OWL is the largest,) and the date of your visit, this can be demanding on your oarsmanship or you can go by power raft (early spring only) . This is because water levels and scenery change through the summer and some outfitters operate on less demanding waterway sections of the Ottawa River. A raft trip usually takes most of a day, meals are included, and no matter which time you choose, you are virtually guaranteed that it will be truly GREAT fun!
Ottawa.....Parliament city. Seat of the Federal Government of Canada.
Government buildings abound, and most are open to visitors, from the historical Archives to current items at the Art Gallery.
The Ottawa River runs around the city and the Rideau Canal runs through it. There are many parks and all have beautiful spots for picnics or just to watch the birds and other small wild-life. My favourite place is by Bank Street and Riverside. It is in downtown, but there are a lot of geese, ducks, gulls and an occasional groundhog or raccoon along the water edge and on a tiny island that you can walk out to. (the water is not more than waist-deep, but the bottom is covered with a few large rocks and many small rocks which can move under your feet. ) Excepting the gulls, they will come right up to you and take food from your hand. This week chicks, ducklings, and goslings are all around.
Be cautious with the parents, especially geese, as they are protective of their young. They like bread and Dollarama is the best place to buy bread....one dollar a loaf, which is often less than half what other stores charge.
What you do will depend on your preferences.
Toronto....live theatres abound, small and large, and movie/cinema theatres are everywhere and Toronto is frequently where major movies are first released for viewing by the public, even ahead of all USA cities.
Bars and Clubs for after-hours fun are readily available as well, and Toronto has major-league sports teams in baseball, football, soccer, basketball and hockey, depending on the season.
The CN Tower is a major tourist attraction, being the highest structure in the commonwealth, and from which you can walk onto an enclosed platform that lets you see most of Toronto from a height of 1200 feet. It also has a restaurant that revolves around the tower once per hour. Food quality and service there can sometimes be very good, but more often varies from good down to poor. Immediately south is a series of islands, linked by small bridges and accessible by a ferry that runs across the harbour, a distance of almost one mile , depending on destination chosen. The west end of the island chain is an airport, and it is accessible also by ferry
but there the distance from shore is only a hundred yards.
This can be a quiet and relaxing way to spend a day, or get away from the noise of the city for a picnic. Food and entertainment for kids is available, bicycles can be rented and swimming is usually open.
Across Toronto shopping is readily available, the area of Bloor and Yonge being the most expensive, but malls, both open and indoors, are all around the city. The Eaton Centre is the main shopping attraction, located right next to City Hall at Yonge and Queen Streets.
Underground shopping and entertainment is also right there, as underground passages that run from north of the Eaton Centre to Union Station (over half a mile) provide many underground stores, conveniences, restaurants and entertainment, plus access to above-ground things such as hotels, banks and theatres.
Transportation type varies, but is available all day and night in downtown areas, less in suburbs. Depending on your location, you can travel by bus, streetcar (electric cars that run on rails and use spring-loaded trolleys to connect to overhead wires) and subway. Taxis, of course, are everywhere, at all times.
Food choices are open to your imagination, as Toronto probably has the most choices of any large city, with restaurants representing the foods of every nation on hand. Most of it is even reasonable in price and fairly good.
Larges ethnic areas exist. In the east is Greek, then Indian/Pakistani, mid-downtown is Chinese and Viet Namese, plus Korean. Slightly west of that is Portugese, mid-north is the Jewish district and in between is Little Italy.
Toronto even has its own real castle, Casa Loma. It does not have the history of British castles, but it does have its own character and panache. Three is a large and well-renowned zoo on the east of the city, where the animals have freedom and YOU are caged....or it seems that way.
Bear in mind that Toronto is a LARGE city, so if there is a particular attraction that you want to see, check a map and/or ask for assistance before venturing out: travelling from the airport (north-west) to the zoo (east) is more than forty miles along the highway. That highway (called 401) is an adventure if you are unaccustomed to heavy traffic. Across Toronto it has up to 16 lanes of traffic....8 in each direction.
Niagara Falls.....a highly entertaining area. Scenery is nothing less than spectacular. There is an eclectic area on Stanley Street that provides the aura of a carnival, with a lot of things available, from adult and children's rides to a Canadian Madame Tussaud's Wax Museum. You can go to the Casino, as well, where you can spend money and/or watch the live entertainers, usually middle-to-upper class ones.
The Falls themselves are spectacular. They are the division between USA and Canada, and both sides offer their own views, but all visitors will agree they are best seen from the Canadian side. At night they are illuminated by coloured lights, and this is worth seeing.
You can take a brief (and expensive ) helicopter ride over the falls, or buy a ticket for the Maid of the Mist boat tour that runs all day, and takes you close to the bottom of the falls. They supply the rain gear......you WILL get wet anyway, but it is great fun for kids and adults.
Make hotel arrangements in advance, because summer visits are high season and some will raise the prices daily if demand will support it.
Deerhurst is in a comparatively remote area , approximately 100 miles (160km) from Toronto. It is largely self-contained. You get to relax there, enjoy the food, (which is usually quite good) play golf, and they have some entertainment in the evenings.
You could rent a car and drive around the area for a day and this would be highly recommended as some of the scenery is spectacular. (You drive on the RIGHT side of the road).
A little more distance and you can visit Algonquin Park, where a highway runs through the southern portion of the park and you very often see wild animals roaming free.
Fishing is plentiful in the area, mostly pickerel, pike and bass.
Pembroke....relax and enjoy. It is a small city, not that far from Ottawa. If relaxation does not appeal to you after Deerhurst, try white water rafting. Depending on the outfitter you choose, (OWL is the largest,) and the date of your visit, this can be demanding on your oarsmanship or you can go by power raft (early spring only) . This is because water levels and scenery change through the summer and some outfitters operate on less demanding waterway sections of the Ottawa River. A raft trip usually takes most of a day, meals are included, and no matter which time you choose, you are virtually guaranteed that it will be truly GREAT fun!
Ottawa.....Parliament city. Seat of the Federal Government of Canada.
Government buildings abound, and most are open to visitors, from the historical Archives to current items at the Art Gallery.
The Ottawa River runs around the city and the Rideau Canal runs through it. There are many parks and all have beautiful spots for picnics or just to watch the birds and other small wild-life. My favourite place is by Bank Street and Riverside. It is in downtown, but there are a lot of geese, ducks, gulls and an occasional groundhog or raccoon along the water edge and on a tiny island that you can walk out to. (the water is not more than waist-deep, but the bottom is covered with a few large rocks and many small rocks which can move under your feet. ) Excepting the gulls, they will come right up to you and take food from your hand. This week chicks, ducklings, and goslings are all around.
Be cautious with the parents, especially geese, as they are protective of their young. They like bread and Dollarama is the best place to buy bread....one dollar a loaf, which is often less than half what other stores charge.
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Title Post: Why is health insurance so expensive?
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