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Post by hoyawatcher on Apr 4, 2012 11:45:57 GMT -5
Actually Georgetown does "cover" the vaccine. Note the $135 reimbursement. It is not a convenient coverage due to the provider network but it is "covered".
If I am Georgetown I would focus my health care resources on my employees rather than students. Employees are a long term asset I need to maintain while students are short term, mostly healthy and in reality are mostly going to use other plans anyway. From a cold logic I understand having better health care plans for employees over students.
And to address TBird's last comment, the core of the healthcare debate is about who is going to make the necessary rationing decisions to bring health care costs under control. Will it be the government or private health care insurance? But it will be some "skilled decision maker". Given the evidence we have from European, Canadian and US models I would take the private insurance side in this despite some politely called "idiosyncrasies".
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DanMcQ
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Post by DanMcQ on Apr 4, 2012 12:00:04 GMT -5
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Post by strummer8526 on Apr 4, 2012 12:20:44 GMT -5
Actually Georgetown does "cover" the vaccine. Note the $135 reimbursement. It is not a convenient coverage due to the provider network but it is "covered". If I am Georgetown I would focus my health care resources on my employees rather than students. Employees are a long term asset I need to maintain while students are short term, mostly healthy and in reality are mostly going to use other plans anyway. From a cold logic I understand having better health care plans for employees over students.And to address TBird's last comment, the core of the healthcare debate is about who is going to make the necessary rationing decisions to bring health care costs under control. Will it be the government or private health care insurance? But it will be some "skilled decision maker". Given the evidence we have from European, Canadian and US models I would take the private insurance side in this despite some politely called "idiosyncrasies". Students are short term and therefore can receive second-rate treatment. Sounds like a Georgetown approach to me.
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Post by hoyawatcher on Apr 4, 2012 12:36:08 GMT -5
Students are generally young and healthy. You see younger Americans make the choice for lesser coverage all the time with their own money. That is distinct from "second rate treatment" which they shouldn't get. As a general rule I wouldn't give the same coverage to a 22 year old student that I would to a 45 year old professor with 4 kids. (Assuming you can afford 4 kids in downtown DC ).
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Post by LizziebethHoya on Apr 4, 2012 20:43:04 GMT -5
You all make extremely valid points. But the point is, as a student, I have no choice. I HAVE to have this health insurance, and it is not adequate. It covers far less than other comparable (yes, even in price) student plans. It covers far less than all of the employee plan choices (and some of those plans are comparable, if not less, in cost). And my tuition dollars subsidize those choices.
I don't know all of the exact reasons for this. I just don't think its right. So when (getting back to the point of the thread) female students are unhappy that their health insurance doesn't cover birth control - its not an issue of JUST birth control. It's the bureaucratic process you have to go through to get the right female care. Its having to pay a LOT more (once you count out of pocket expenses) for female-related care than other plans, even if you don't use birth control. You can't get more student loans to cover these costs, nor should you be able to. I just thank God every day that I haven't been sick, because I simply don't know how I would be able to afford the extra expense.
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DanMcQ
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Post by DanMcQ on Apr 4, 2012 20:47:04 GMT -5
Lizzie: again, valid points. You should make them directly to Georgetown.
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kchoya
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Post by kchoya on Apr 4, 2012 20:59:03 GMT -5
You all make extremely valid points. But the point is, as a student, I have no choice. I HAVE to have this health insurance, and it is not adequate. It covers far less than other comparable (yes, even in price) student plans. It covers far less than all of the employee plan choices (and some of those plans are comparable, if not less, in cost). And my tuition dollars subsidize those choices. I don't know all of the exact reasons for this. I just don't think its right. So when (getting back to the point of the thread) female students are unhappy that their health insurance doesn't cover birth control - its not an issue of JUST birth control. It's the bureaucratic process you have to go through to get the right female care. Its having to pay a LOT more (once you count out of pocket expenses) for female-related care than other plans, even if you don't use birth control. You can't get more student loans to cover these costs, nor should you be able to. I just thank God every day that I haven't been sick, because I simply don't know how I would be able to afford the extra expense. Why do you have to have this health insurance? There are other options.
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Post by LizziebethHoya on Apr 4, 2012 21:02:46 GMT -5
Lizzie: again, valid points. You should make them directly to Georgetown. I have, don't you worry. But, remember, I'm a second-class citizen.
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Post by LizziebethHoya on Apr 4, 2012 21:07:40 GMT -5
You all make extremely valid points. But the point is, as a student, I have no choice. I HAVE to have this health insurance, and it is not adequate. It covers far less than other comparable (yes, even in price) student plans. It covers far less than all of the employee plan choices (and some of those plans are comparable, if not less, in cost). And my tuition dollars subsidize those choices. I don't know all of the exact reasons for this. I just don't think its right. So when (getting back to the point of the thread) female students are unhappy that their health insurance doesn't cover birth control - its not an issue of JUST birth control. It's the bureaucratic process you have to go through to get the right female care. Its having to pay a LOT more (once you count out of pocket expenses) for female-related care than other plans, even if you don't use birth control. You can't get more student loans to cover these costs, nor should you be able to. I just thank God every day that I haven't been sick, because I simply don't know how I would be able to afford the extra expense. Why do you have to have this health insurance? There are other options. I have to have this health insurance as a condition of my enrollment. There are no other options. I can't be on my parents, I'm not married so I can't get on a spouse's, and trying to get insurance on my own would be around $4-6k/year. I can only get loans for $2k worth of health insurance
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hoya9797
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Post by hoya9797 on Apr 5, 2012 9:26:50 GMT -5
I find it very hard to believe that insurance for a young and presumably healthy woman would be that expensive. In my previous job, I decided to purchase my own insurance and, for a family of four including two young children, I paid a little over $10K per year. And, I went with a fairly low deductible plan. I had taken on more of the risk, I would have paid less. We had a lot of young single men in our company who purchased their own policies and they were all paying just a couple hundred dollars per month. I don't know the details of their plans but I do know that as recently as 18 months ago, it was possible to get insurance for a lot less than $4-6K per year.
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hoya4ever
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Post by hoya4ever on Apr 9, 2012 11:50:17 GMT -5
Women between a certain age (read 18-35) are also prone to having babies. Babies, and the process of having them, are expensive. That is how the insurance company I used between jobs explained it to me. That is why we get higher health premiums even when our car insurance is lower.
Three years ago I had to get insurance on my own and it was about 120 a month. Times 12 that is 1,440 a year. It covered nothing but I didn't want a lapse so I just paid it. I also remember before that, when I was in school that Georgetown had stipulations on what your other insurance had to cover if you were not getting Georgetown's insurance. That did not include dental or vision. As for reproductive coverage, I think their coverage included the annual Well Woman exam.
On edit: I don't know how many Georgetown students have babies as undergrads or otherwise, but I cannot imagine that number is so humongous that it cannot be financially dealt with. That doesn't mean that everyone else should have to pay for them.
Also question for Dan: You said in the first post of this page that since YA don't use their policies much, the premiums are lower for participation so they don't cover much. Isn't that a bit stretched (not your thinking, their thinking)?
YA don't use coverage much so it can be lower without messing up services because YA don't use them much to begin with. You don't have to cut services/coverage to save money with YA since they don't use them much.
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TC
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Post by TC on Apr 9, 2012 13:57:46 GMT -5
On edit: I don't know how many Georgetown students have babies as undergrads or otherwise, but I cannot imagine that number is so humongous that it cannot be financially dealt with. That doesn't mean that everyone else should have to pay for them. Yes, it does. I don't think you grasp the concept of modern medical insurance.
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hoya4ever
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Post by hoya4ever on Apr 9, 2012 19:14:27 GMT -5
OK then, how does it? And this might also show that I don't understand, but how does natural business competition not handle this?
Would Obamacare affect the above? And since Gtown oursources their insurance, would they be considered an insurance provider?
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DanMcQ
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Post by DanMcQ on Apr 10, 2012 13:38:03 GMT -5
Also question for Dan: You said in the first post of this page that since YA don't use their policies much, the premiums are lower for participation so they don't cover much. Isn't that a bit stretched (not your thinking, their thinking)? I'm not an actuary, although one of my Hoya classmates is one who actually works for a big insurance company (but I digress), but I'm not sure I explained myself correctly. Not being in the insurance industry so take it with a grain of salt, the actuarial incidence of really expensive illness / use of health insurance by YA is less so policies can be offered for lower premiums (because the likelihood that the YA will cost the insurance company A LOT is less). By extension, those policies may COVER less and either allow you to make up for that by having deductibles, higher copays, etc. In any policy, more comprehensive coverage will cost more. Fewer employers and schools are willing to cover the majority of that cost, leading to higher costs for the customers.
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kchoya
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Post by kchoya on Jun 14, 2012 16:58:32 GMT -5
Since I know so many of you have been waiting on this announcement: www.politico.com/news/stories/0612/77434.htmlSandra Fluke, the former Georgetown Law School student whom Rush Limbaugh famously called a “slut,” has endorsed the man who came to her defense: President Barack Obama. “Obama is committed to rebuilding our economy upon the values of fairness and opportunity and the belief that all Americans, both men and women, must have the rights they deserve,” she wrote in an op-ed, “Why this election is so personal,” published Thursday on CNN’s website. “That’s why I’m proud to endorse his re-election.”
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Elvado
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Post by Elvado on Jun 16, 2012 9:29:46 GMT -5
Shocking that a left wing plant would come out for a left wing plant.
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quickplay
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Post by quickplay on Jun 16, 2012 13:34:08 GMT -5
Shocking that a left wing plant would come out for a left wing plant. *Yawn*
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kchoya
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Post by kchoya on Jun 16, 2012 14:20:53 GMT -5
Shocking that a left wing plant would come out for a left wing plant. *Yawn* Shocking that quickplay would post a reflexive response to Elvado.
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quickplay
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Post by quickplay on Jun 17, 2012 22:18:48 GMT -5
Shocking that quickplay would post a reflexive response to Elvado. Uhhh....what?
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Post by strummer8526 on Jun 18, 2012 11:48:51 GMT -5
Shocking that quickplay would post a reflexive response to Elvado. Shocking that kc would post a snarky comment about quickplay's reflexive response to Elvado.
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