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-   -   UHC Cut Off Walgreens (https://www.airlinepilotforums.com/delta/119186-uhc-cut-off-walgreens.html)

gzsg 01-10-2019 01:21 PM

UHC Cut Off Walgreens
 
Just a heads up, our prescription coverage was cut off by UHC at Walgreens January 1st.

9650 locations was just too convenient.

Death by 1000 medical coverage cuts.

UnitedHealth's CEO makes 298 times more than its median employee. UnitedHealth Group CEO David Wichmann earned nearly $17.4 million in 2017, which is 298 times more than the company's median employee, according to UnitedHealth's 2018 proxy statement.

Trip7 01-10-2019 01:23 PM

Go to CVS

Sent from my SM-N950U using Tapatalk

Jaww 01-10-2019 01:44 PM

How dare somebody make money.

This is old news had you paid attention during open enrollment. Though I agree it’s lame, you seem to have an agenda.

badflaps 01-10-2019 01:48 PM

Or like me, you can go to Planned Parenthood. When I walk through the door they laugh their ***** off.:(

gzsg 01-10-2019 02:02 PM


Originally Posted by Jaww (Post 2740522)
How dare somebody make money.

This is old news had you paid attention during open enrollment. Though I agree it’s lame, you seem to have an agenda.

No agenda.

Our executives return $4 Biliion annually to the shareholders.

Our medical should cost zero and we should be able to go anywhere we choose.

Stock buy backs are simply lighting billions of dollars on fire.

m3113n1a1 01-10-2019 02:30 PM


Originally Posted by gzsg (Post 2740544)
No agenda.

Our executives return $4 Biliion annually to the shareholders.

Our medical should cost zero and we should be able to go anywhere we choose.

Stock buy backs are simply lighting billions of dollars on fire.

That's your agenda.

I'm as liberal as they come, but if business owners aka shareholders can't make money off their investments, then companies ( Delta) wouldn't exist and you wouldn't even have a job.

Scooter432 01-10-2019 02:56 PM

Walgreen's here is horrible! good riddance..I'm using Publix which has been phenomenal. CVS is great as well.

gzsg 01-10-2019 03:12 PM


Originally Posted by Scooter432 (Post 2740582)
Walgreen's here is horrible! good riddance..I'm using Publix which has been phenomenal. CVS is great as well.

I think you are missing the point.

What if they cut off Publix and CVS next?

gzsg 01-10-2019 03:14 PM


Originally Posted by m3113n1a1 (Post 2740566)
That's your agenda.

I'm as liberal as they come, but if business owners aka shareholders can't make money off their investments, then companies ( Delta) wouldn't exist and you wouldn't even have a job.

I love that they make money. I just think a better use of the $4 Billion in excess being lit on fire (worthless stock buy backs) was put to use on the Delta employees medical coverage. Zero premium and zero deductible. Doctors and hospitals of our own choice.

Scoop 01-10-2019 05:16 PM


Originally Posted by gzsg (Post 2740504)
Just a heads up, our prescription coverage was cut off by UHC at Walgreens January 1st.

9650 locations was just too convenient.

Death by 1000 medical coverage cuts.

UnitedHealth's CEO makes 298 times more than its median employee. UnitedHealth Group CEO David Wichmann earned nearly $17.4 million in 2017, which is 298 times more than the company's median employee, according to UnitedHealth's 2018 proxy statement.

As was posted this is old news. On the bigger point that our health insurance is lacking - you are 100% correct. For the most part we have substandard coverage.

Scoop

Scooter432 01-10-2019 06:21 PM


Originally Posted by Scoop (Post 2740694)
As was posted this is old news. On the bigger point that our health insurance is lacking - you are 100% correct. For the most part we have substandard coverage.

Scoop

Absolutely correct. We need major improvements to health care this contract.

atpcliff 01-10-2019 07:46 PM

This is one example that shows that Our Health is too important to be left in the hands of people desiring more money.

My first choice is Sweden's Health Care system (#1 in the world), my second choice is Canada's (much better than ours), and my third preference is Medicare For All. Medicare is currently the most efficient Health Care System in the US.
Note: The new Amazon/Warren Buffet companies/Morgan Stanley Health Care system may prove to be a viable candidate to the above...

Toyota was putting in a new factory: Ontario or Arizona were the finalists. They choice Ontario for two reasons:
1-Toyota didn't have to mess with Health Care...all of their employees would be in OHIP (Ontario Health Insurance Plan).
2-Ontario residents were more highly educated and trained than Arizona residents, because Ontario spent more money on education than Arizona did, so it would cost less for Toyota to get them up to speed.

Planetrain 01-10-2019 08:16 PM


Originally Posted by atpcliff (Post 2740783)
This is one example that shows that Our Health is too important to be left in the hands of people desiring more money.

My first choice is Sweden's Health Care system (#1 in the world), my second choice is Canada's (much better than ours), and my third preference is Medicare For All. Medicare is currently the most efficient Health Care System in the US.
Note: The new Amazon/Warren Buffet companies/Morgan Stanley Health Care system may prove to be a viable candidate to the above...

Toyota was putting in a new factory: Ontario or Arizona were the finalists. They choice Ontario for two reasons:
1-Toyota didn't have to mess with Health Care...all of their employees would be in OHIP (Ontario Health Insurance Plan).
2-Ontario residents were more highly educated and trained than Arizona residents, because Ontario spent more money on education than Arizona did, so it would cost less for Toyota to get them up to speed.

Sweden federal income tax is 62%
Canadian federal income tax is 33% on income above $210,000CAD.

We can get better healthcare, you just have to pay for it.
(If you hate paying the high deductible off the HSA plans just get DPMP and bite the bullet on premiums. It’s cheaper than European taxes)

Planetrain 01-10-2019 08:19 PM


Originally Posted by gzsg (Post 2740544)
No agenda.

Our executives return $4 Biliion annually to the shareholders.

Our medical should cost zero and we should be able to go anywhere we choose.

Stock buy backs are simply lighting billions of dollars on fire.

Go put this on skyhub under the good-idea forum. See if you get the 75 likes.

symbian simian 01-10-2019 08:33 PM


Originally Posted by Planetrain (Post 2740797)
Sweden federal income tax is 62%
Canadian federal income tax is 33% on income above $210,000CAD.

We can get better healthcare, you just have to pay for it.
(If you hate paying the high deductible off the HSA plans just get DPMP and bite the bullet on premiums. It’s cheaper than European taxes)

Sweden’s highest rate is 56%. I think everything above 50% is wrong by definition, if you get more than half my money, you go do the job, but it isn’t 62%.

tennisguru 01-10-2019 09:09 PM

Sweden also has only 10 million residents. We have over 300 million. Much more difficult to manage that.

I know several Canadians, and their health care has major issues. Yes, if you get diagnosed you will get excellent treatment, but it can be extremely hard to get that first appointment. One of my friends mom had some issues but it took her 2 years to get seen. Turned out to be cancer which by that point was stage 4 and beyond curing. I had another friend who had to make several 24 hour waits in the ER to get basic antibiotics because she couldn't get in to see a primary care physician to write a prescription. Care is rationed in Canada by the government limiting how many people can attend med school each year. Limiting the number of doctors lengthens the wait time and lowers cost for the program.

TED74 01-11-2019 02:31 AM


Originally Posted by tennisguru (Post 2740813)
Sweden also has only 10 million residents. We have over 300 million.

We also have 44 million on Medicare. Medicare in the US has the highest rate of customer satisfaction of health care "providers;" users prefer it over private insurance.

Our DOD budget dwarfs all other nations, yet many folks on the left and right think it should be larger. Why is the size of our population so prohibitive WRT universal health care, but the size of military contracts and the number of military contractors isn't similarly restrictive of military expenditure? (Hint: lobbyists know how to turn policy and representatives against the best interests of their constituents).


Originally Posted by tennisguru (Post 2740813)
I know several Canadians, and their health care has major issues.

Honest question... do you think health care in the US has major issues too? The perfect is the enemy of the good. Anecdotes are fun (the Canadians I know well enough to have meaningful health care discussions with think our system is a disaster in comparison), but if you look at actual studies and polling, satisfaction, results and cost are almost universally better abroad.



Originally Posted by tennisguru (Post 2740813)
One of my friends mom had some issues but it took her 2 years to get seen. Turned out to be cancer which by that point was stage 4 and beyond curing.

I know two Americans who discovered stage 4 cancer too late to treat. My hunch is that you don't have the whole story with regards to a 2 year wait to even be seen, by that certainly sucks in any case.



Originally Posted by tennisguru (Post 2740813)
Care is rationed in Canada by the government limiting how many people can attend med school each year. Limiting the number of doctors lengthens the wait time and lowers cost for the program.

This is not a good talking point. We effectively do the same thing, and limit the number of (tax payer-funded) residencies. If you want to advocate for more slots, I'd be all for it. We're particularly short on primary care physicians.

As long as health care is all completely about profitability for corporations and individuals, it's going to suck (or maybe be great if you're willing to pay out your a55 or get your employer to). From the forums, it seems people aren't willing to pay out their a55es. You get what you pay for. If you don't want everyone to chip in like they do with western European tax rates, you'll individually pay quite a bit more for equivalent care.

TED74 01-11-2019 03:25 AM

https://www.amjmed.com/article/S0002-9343(18)30509-6/fulltext

42 percent of new cancer patients deplete their life savings in the first two years after diagnosis. Ouch.

sailingfun 01-11-2019 03:40 AM


Originally Posted by atpcliff (Post 2740783)
This is one example that shows that Our Health is too important to be left in the hands of people desiring more money.

My first choice is Sweden's Health Care system (#1 in the world), my second choice is Canada's (much better than ours), and my third preference is Medicare For All. Medicare is currently the most efficient Health Care System in the US.
Note: The new Amazon/Warren Buffet companies/Morgan Stanley Health Care system may prove to be a viable candidate to the above...

Toyota was putting in a new factory: Ontario or Arizona were the finalists. They choice Ontario for two reasons:
1-Toyota didn't have to mess with Health Care...all of their employees would be in OHIP (Ontario Health Insurance Plan).
2-Ontario residents were more highly educated and trained than Arizona residents, because Ontario spent more money on education than Arizona did, so it would cost less for Toyota to get them up to speed.

Why do so many Canadians come to the US for healthcare?

GogglesPisano 01-11-2019 03:59 AM


Originally Posted by sailingfun (Post 2740878)
Why do so many Canadians come to the US for healthcare?

Why do we rank near the top on healthcare costs, but in the middle in quality and results?

hockeypilot44 01-11-2019 04:09 AM

Canada's healthcare is terribble. There aren't enough facilities. I know Canadians that moved to the US so they could treat a disease. The alternative was dying in Canada while waiting for an appointment.

Planetrain 01-11-2019 04:36 AM


Originally Posted by symbian simian (Post 2740803)
Sweden’s highest rate is 56%. I think everything above 50% is wrong by definition, if you get more than half my money, you go do the job, but it isn’t 62%.

https://tradingeconomics.com/sweden/personal-income-tax-rate

MJP27 01-11-2019 05:12 AM

https://www.google.com/amp/s/www.huffpost.com/entry/canadian-medical-tourism_n_5949b405e4b0db570d3778ff/amp

https://www.fraserinstitute.org/studies/waiting-your-turn-wait-times-for-health-care-in-canada-2017

tennisguru 01-11-2019 06:28 AM


Originally Posted by TED74 (Post 2740860)

Honest question... do you think health care in the US has major issues too? The perfect is the enemy of the good. Anecdotes are fun (the Canadians I know well enough to have meaningful health care discussions with think our system is a disaster in comparison), but if you look at actual studies and polling, satisfaction, results and cost are almost universally better abroad.

I never said there wasn’t room for improvement. But as a whole it functions fine for millions of Americans.


I know two Americans who discovered stage 4 cancer too late to treat. My hunch is that you don't have the whole story with regards to a 2 year wait to even be seen, by that certainly sucks in any case.

Yes I do have the story. She was having some form of symptoms that required testing to determine the cause. It took 2 years of waiting to get that test. Would she be guaranteed to be alive had they caught it right away, well no of course not, but it’s safe to say that her chances would have been much higher. Yes people here discover stage 4 cancer all the time, but that’s either because they are not showing symptoms or are ignoring the symptoms. As soon as they decide to see a doctor or an ER they get seen.


This is not a good talking point. We effectively do the same thing, and limit the number of (tax payer-funded) residencies. If you want to advocate for more slots, I'd be all for it. We're particularly short on primary care physicians.

Your case is not true government rationing. In the US if you want to be a doctor, no one in the government is going to say no, which does happen in Canada.

As long as health care is all completely about profitability for corporations and individuals, it's going to suck (or maybe be great if you're willing to pay out your a55 or get your employer to). From the forums, it seems people aren't willing to pay out their a55es. You get what you pay for. If you don't want everyone to chip in like they do with western European tax rates, you'll individually pay quite a bit more for equivalent care.

I’d be interested to see the numbers on what tax rates here would have to be in order to support a universal health system. Basically either way we’re going to pay for healthcare because there is no free lunch.

TED74 01-11-2019 06:53 AM

Tennisguru... talk to any of the thousands of US medical school graduates who go unmatched for residency every year (8,000 or so this year, or roughly 6% of seniors in medical school). Many of them go abroad to complete less competitive residencies elsewhere or even end their pursuit of employment as a physician altogether.

Just because you want to be a doctor doesn't mean you will be a doctor. Governments meter this in different ways, because much of a physician's education is taxpayer funded or subsidized. The US doesn't need a million dermatologists, and I therefore don't want to fund creating that many. Canada is not some significant outlier in this way. Personally, if I were not competitive to be a physician at the end-state, I'd rather find out before 4 years of medical school (and associated loans/costs), and not after. If Canada is keeping a Canadian citizen from becoming a doctor, they can always come here, right?

https://www.google.com/amp/s/www.studentdoctor.net/2018/03/06/didnt-match-now/amp/

VictorAW 01-11-2019 07:41 AM

call around for best prices
 
Walgreens is one of the most expensive pharmacys around. I stopped using them years ago. When you have a profit motive in the medical industry, this is what happens. Many insurers have greatly limited the pharmacys that can be used.
I have saved some money by calling around to pharmacies and getting price quotes on different meds my family needs. It is common to have a very large price difference between pharmacies. In some states it is actually illegal for the pharmacist to voluntarily tell you that there may be a cheaper alternative to the drug you were prescribed.
Consumer Reports had a great article on this several months ago.

badflaps 01-11-2019 08:19 AM

I am a melonoma farm. One of my skin salves went from $35 to $1600 last year. (Walgreens) UHC told me to punt. I am better off at Planned Parenthood even though they snicker.

gzsg 01-11-2019 08:39 AM


Originally Posted by VictorAW (Post 2741014)
Walgreens is one of the most expensive pharmacys around. I stopped using them years ago. When you have a profit motive in the medical industry, this is what happens. Many insurers have greatly limited the pharmacys that can be used.
I have saved some money by calling around to pharmacies and getting price quotes on different meds my family needs. It is common to have a very large price difference between pharmacies. In some states it is actually illegal for the pharmacist to voluntarily tell you that there may be a cheaper alternative to the drug you were prescribed.
Consumer Reports had a great article on this several months ago.

No one goes to Walgreens for low prices.

They go there for convenience. It is a “convenience” store.

atpcliff 01-11-2019 10:04 PM


Originally Posted by Planetrain (Post 2740797)
Sweden federal income tax is 62%
Canadian federal income tax is 33% on income above $210,000CAD.

We can get better healthcare, you just have to pay for it.
(If you hate paying the high deductible off the HSA plans just get DPMP and bite the bullet on premiums. It’s cheaper than European taxes)

Sweden's Health Care system costs LESS than the US...50% less than the US system. Canada's system costs even less.

US has the highest cost Health Care system (with the 34th best system, in terms of patient outcomes). Sweden's system is THE BEST, and has the second-highest cost, and it is at 50% of the US cost. Canada's is a lower cost than the Swedish system...

atpcliff 01-11-2019 10:10 PM


Originally Posted by sailingfun (Post 2740878)
Why do so many Canadians come to the US for healthcare?

Ontario has a HUGE problem: Americans crossing the border to get into the OHIP program and use their system without paying for it.

I'm sure that VERY RICH Canadians are coming to the US for care. The US system is FANTASTIC if you can pay cash for ALL your health care needs.

Why do so many US citizens go to Mexico or Thailand for treatment? Why is Malaysia the #4 retirement destination?...partly because of their fantastic Health Care System.

atpcliff 01-11-2019 10:18 PM


Originally Posted by tennisguru (Post 2740969)
I’d be interested to see the numbers on what tax rates here would have to be in order to support a universal health system. Basically either way we’re going to pay for healthcare because there is no free lunch.

In the Canadian system, which is NOT the best, they pay 4% of their total health care dollars for administrative costs.
In the US system, which is THE most expensive, we pay 17% of our total health care dollars for administrative costs.

In 2017 we spend $3.5 Trillion on Health Care.

13% of 3.5 trillion = $455 BILLION dollars we WASTED last year...that is the amount we would have saved by using Canada's administrative system...$455B...

Han Solo 01-12-2019 05:08 AM


Originally Posted by atpcliff (Post 2741449)
In the US system, which is THE most expensive, we pay 17% of our total health care dollars for administrative costs.

And 99% of those administrative costs are postage on denial letters :D

Vincent Chase 01-14-2019 10:14 AM


Originally Posted by atpcliff (Post 2740783)
This is one example that shows that Our Health is too important to be left in the hands of people desiring more money.

My first choice is Sweden's Health Care system (#1 in the world), my second choice is Canada's (much better than ours), and my third preference is Medicare For All. Medicare is currently the most efficient Health Care System in the US.
Note: The new Amazon/Warren Buffet companies/Morgan Stanley Health Care system may prove to be a viable candidate to the above...

Toyota was putting in a new factory: Ontario or Arizona were the finalists. They choice Ontario for two reasons:
1-Toyota didn't have to mess with Health Care...all of their employees would be in OHIP (Ontario Health Insurance Plan).
2-Ontario residents were more highly educated and trained than Arizona residents, because Ontario spent more money on education than Arizona did, so it would cost less for Toyota to get them up to speed.


Its this last point I take contention with. Does Ontario spend more money than Arizona on education? Does the amount of money spent equal better education? I submit the US as the chief failure here. Most money spent of any major country. And where do our kids test at relative to other countries?
Maybe the test should focus more on feelings. We'd come out on top!

Vincent Chase 01-14-2019 10:21 AM


Originally Posted by atpcliff (Post 2741448)
Ontario has a HUGE problem: Americans crossing the border to get into the OHIP program and use their system without paying for it.

I'm sure that VERY RICH Canadians are coming to the US for care. The US system is FANTASTIC if you can pay cash for ALL your health care needs.

Why do so many US citizens go to Mexico or Thailand for treatment? Why is Malaysia the #4 retirement destination?...partly because of their fantastic Health Care System.

..Yet nobody ever gets to the root of the problem...Lawyers.
As long as someone can sue for billions when the procedure doesn't go as planned, doctors will charge millions for their procedure...just to pay for malpractice insurance.
Does SWEDEN have any of those problems? I already know the answer. Do you? More to the point, do you know why?

Fredturbo 01-14-2019 10:32 AM


Originally Posted by Vincent Chase (Post 2742741)
..Yet nobody ever gets to the root of the problem...Lawyers.
As long as someone can sue for billions when the procedure doesn't go as planned, doctors will charge millions for their procedure...just to pay for malpractice insurance.
Does SWEDEN have any of those problems? I already know the answer. Do you? More to the point, do you know why?

Bongo, bingo.


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