@mstefanik: I hear you but you have options. Comcast competes with Hughes satellite (and Elon Musk might have more to say here in future) and competes with Verizon and att. When you compete it allows artificial barriers to go away. Trucks pay more than cars to use the toll ways. Netflix should pay to use bandwidth. The government needs to stay out of it or maybe local governments create local ISP's with no affiliations to other companies.(just access). No feds here.
@ScanIAm: For now I would oppose net neutrality because it would stifle competition and innovation. In the US, nothing killed innovation more than regulating phone lines. Same old analog phone lines everywhere. There is still last mile local ISP competition happening with wireless (att and Verizon) , cable guys (Comcast , Timewarner), and wireless point to multipoint guys (independents). Lets give it 5 more years and see where the chips fall.
That's kinda what net neutrality does. It stops the last mile monopolies (eg. Comcast) from interfering with the backend providers (eg. Netflix). In theory there is little Netflix can do to stop you from creating a competing service, so they do not require regulation. A last mile provider CAN stop you from creating a competing service and even stop you from creating backend service that would interfere with their business interests, with no real way to "out compete" them. They are quite literally, the gatekeepers to the Internet.
This is true. I also don't want Netflix choking my internet access on my local ISP. I like my local ISP to limit packets from Netflix. They can then be innovative like Amazon and start buffering the videos or they pay the local ISP money so the local ISP can use that money to fatten the local pipe. Also I have seen local ISP's with fiber connections still only offering 10mbits downloads (more for tv etc)
Oct 31, 2014 at 12:58 PM
I think that is TexasToast's insurance. HSA are basically catastrophic insurances. But you still gain the collective bargaining advantage of the insurance company. I don't remember ever paying a doctor directly, my insurance would be the one that billed me for everything. It was a lot higher then standard insurance, but you aren't going to be paying $300 for a doctor's visit with a HSA.
Your right it was a 280 office visit lowered to $190 by insurance company. I pay clinic because my deductible not hit but I pay the $190 amount. It is a nice clinic with receptionists and good parking( that must be the extra $140 bucks more for me)
Oct 31, 2014 at 12:55 PM
You are right on last point. I am getting bamboozled along with a lot of other people. Some have it even worse with 10k deductibles.
Oct 31, 2014 at 12:49 PM
@Bass:You don't think you could take a picture of your injury, put it up on ebay and ask for quotes to fix it? You can shop for flu shots why not tetanus shots? I think prices have to be made public before healthcare costs come down.
Oct 31, 2014 at 12:45 PM
I was seeing a doctor, but he called the nurse in to give me the shot while I was there. Not included in the visit, the shot was $150 bucks extra on top of the 280 dollar office visit. I did have office visit covered before in past insurances but the future is now having a high deductible HSA type plan.. I think obamacare is similar but I don't know.
Oct 31, 2014 at 12:35 PM
Also if prices were listed, and I knew of a clinic that was $10 bucks for tetanus (an app would be great too to get the price within 10 miles) I would leave and save some money.
Oct 31, 2014 at 12:33 PM
My insurance is in your future. I hate nurse practitioner because my first visit was with one and the antibiotic did not work so then second visit with a doctor. Trying something that does not work costs me money and makes them money.
Oct 31, 2014 at 12:23 PM
I agree with most of what is said except insurance companies and cost. I recently had an infected cut on my leg. Took 3 visits at 280 dollars each (lowerd to 199 by such a wonderful insurance company) to fix it and not too great at that. Plus a tetanus shot for a mere 150 bucks on top of that. All goes to the deductible of 3000 dollars which I pay. I want a menu where when I walk into a clinic or hospital all charges are itemized so I know beforehand what I pay. When we all see prices things will change.