Potentially the longest thread in history...

Some drugs are cheaper to just pay the cash outright than it is to go through your insurance because your local pharmacist will bill your insurance co. several hundred dollars and you'll pay a deductible and co-insurance of about $100. out of pocket. This is true for insulin. My MIL goes to wally world, buys it over the counter for cash and only has to pay $25. for a bottle. I've purchased drugs myself which cost less for cash than it does if I were to use my insurance.... Ever since the govt took over health care, it has become totally asinine.
100 for a vial without insurance I'd say is doing pretty good on the cheapest available. If you were put on Humalog 75/25 like my old coworker that'd be over 300 without insurance. She took a cut in pay to switch contractors to get a decent insurance company that would make her meds cheaper.
https://www.goodrx.com/blog/how-much-does-insulin-cost-compare-brands/
 
@kman
Have you been having any weird issues with your iPhone since say, March? (You still main an iPhone right?)

Mine has black screened on settings, phone, and Facetime a couple times. Refused to accept my bank card in Apple Pay until the 14.7 update. Takes longer to show notifications on the same wifi network as my iPad. Spins when trying to view Protect content while the iPad doesn't (Ubiquiti issue I believe). Drops off Airpods multiple times before it's stable on 6 out of 10 phone calls. Continues ringing if I answer from my iPad. Also has issues with audio quality from time to time while on standard calls but could be signal related. Spouse has a lot of the same issues on an iPhone 11.
 
100 for a vial without insurance I'd say is doing pretty good on the cheapest available. If you were put on Humalog 75/25 like my old coworker that'd be over 300 without insurance. She took a cut in pay to switch contractors to get a decent insurance company that would make her meds cheaper.
https://www.goodrx.com/blog/how-much-does-insulin-cost-compare-brands/
That may be true in TX but over here I just bought a bottle of 70/30 for type II $24.95 at Walmart over the counter. I just gave them her name and birth date and they sold it to me. The reason I had to buy it for her is because she fell and broke her arm and shoulder and can not get it for herself like she did before. My MIL is 85 yrs old.
I am not familiar with type I diabetic drugs.
We have to buy metformin for Mrs.C and it is cheaper to pay cash using Good RX than it is to go through our insurance. Good Rx is a great discount!
 
That may be true in TX but over here I just bought a bottle of 70/30 for type II $24.95 at Walmart over the counter. I just gave them her name and birth date and they sold it to me. The reason I had to buy it for her is because she fell and broke her arm and shoulder and can not get it for herself like she did before. My MIL is 85 yrs old.
I am not familiar with type I diabetic drugs.
We have to buy metformin for Mrs.C and it is cheaper to pay cash using Good RX than it is to go through our insurance. Good Rx is a great discount!
GoodRX is a discount platform where pharmacies get a kick back as well as PBM. Advantage to you (or MIL), but alas still not raw price.
 
I get a 3 month supply (14 bottles) of my 70/30 insulin thru my insurance (Medicare Advantage) for $75. It is delivered via mail with no additional cost for postage.

Before I retired, I used to pay $5 for the same 3 month supply, however, I paid around $1200/month for my employer sponsored insurance.
 
Medicare is like social security where it's controlled by the government and provides health benefits above a certain age. Like social security, and as it is, other health services controlled by the government (like VA), it is shit. Due to how tightly lobbied health and pharma is here in the US there will never be a system like what we see outside of the US. We don't like the idea of our government taking our money to spend it as they see fit, because like all other systems controlled by our government it's used to line the pockets of politicians rather than go to we the people.

Lower and middle class Americans are taxed out the ass to the point that we really only want higher wages just so we can actually pocket the wages we feel we deserve. The last thing we want is them taking even more money from us to not benefit us. If I made 120k right now my actual in pocket take home would be closer to 70-80k. What do I get for that? Substandard insurance services that are forced on me, Social Security that (as you could see in the prior convos) is NOT going to really benefit me after I decide to retire making me do the work anyways, the ability of using Medicare which again is another substandard service that won't take care of me, and the other things promised that we don't actually get. Like, tens of thousands of dollars in new equipment left behind by the US armed forced to be picked up and sold by the Taliban.

We're then taxed more on top of that in the form of sales/state income, and property taxes for more services to be used and abused by the cities, counties, and states we live in. In the house I owned my property taxes came in the form of 2 counties between 7,000 and 12,000 dollars a year. Why? Because our schools were part of a school district that stretched from North Fort Worth, all the way to Roanoke which is in Denton County. So even though I lived in Tarrant County in the city of Fort Worth, to use 3 schools 30 miles from the county line, I'd get a tax bill in the mail every year for a county I was 30 miles from. Meanwhile in the town of Haslet across the street from us their property taxes (again across the street) were closer to 5,000 for the exact same kind of neighborhood and quality of living. We shared the same police stations, fire stations, and roads that were under construction being paid by both cities in the same county. And that's why I sold. We then have other things most consider more "taxing" like state inspection and registration. If your vehicle is legal gotta pay about $100 a year to use it, and have at least insurance which could be high or low depending on your zip code, driving history, and who you go with. If you got a road or something causing issues that the city needs to take care of with that money everybody pays yearly you report it and it's up to them if they decide to handle it or not anyways. Let's not forget about the police we pay for that make it a priority to sit on the side of the road to generate city revenue in the form of speeding tickets that does absolutely nothing for us because they refuse to admit it's a "form of income" for them.

Let's talk about the insurance scam in this country. You have 3 options. Private insurance, company provided insurance, or "Obamacare". Let's say you don't qualify for Obamacare for whatever reason. If you go private, it's expensive and for a lot you're limited to what facilities you can go to that accepts your insurance. For company provided insurance, if you work for a decent company they pay a good deal of the premiums so your monthly cost is cheap but they still pick what insurance company it is and what services are offered. That also comes with "In network" or "out of network" services, or who you can go to that accepts your insurance. If you don't work for a decent company they get to pick whoever they want which is usually shit with almost no premiums paid costing you an arm and a leg with a high ass deductible meaning you are paying a lot of money to essentially get no help. It's fraud, and was forced upon us by the Obama admin in the name of "healthcare". No insurance, get fined when you file taxes.

Doctors in this country are paid a high amount to do what they do and a standardized government controlled health insurance system means they would have a high drop in their salaries. It would also mean that the insurance fraud by the mental health industry would collapse which we all know they don't want. It would mean that prices for things that some people actually need to live like insulin would need to be dropped because the government won't want to pay those insane prices causing pharma companies to throw a hissy fit. You read that right, if you're diabetic it pretty much means you need to pay a shit ton of money to live in this country in the form of insurance or the high ass cost of insulin. Yet materials and medicine to help heroin addicts is free. Sounds backwards? If it does, all of this tells you why it won't work and why we don't trust them with this kind of stuff.

So your issue is basically trust in the government ? I get that. If the NHS didn't exist and I had to trust the current gov to set it up, then I most likely would not. If in some hypothetical situation somehow a famously competent government took over US governanance, say Switzerland or Finland, would you be more open to the idea of state healthcare ?

@kman
Have you been having any weird issues with your iPhone since say, March? (You still main an iPhone right?)

Mine has black screened on settings, phone, and Facetime a couple times. Refused to accept my bank card in Apple Pay until the 14.7 update. Takes longer to show notifications on the same wifi network as my iPad. Spins when trying to view Protect content while the iPad doesn't (Ubiquiti issue I believe). Drops off Airpods multiple times before it's stable on 6 out of 10 phone calls. Continues ringing if I answer from my iPad. Also has issues with audio quality from time to time while on standard calls but could be signal related. Spouse has a lot of the same issues on an iPhone 11.

Havn't had those issues but my 11 Pro is definitely hitching and lagging more than it used too. When I use Spotlight search it often takes a couple seconds to get results, it used to be near instant.
 
So your issue is basically trust in the government ? I get that. If the NHS didn't exist and I had to trust the current gov to set it up, then I most likely would not. If in some hypothetical situation somehow a famously competent government took over US governanance, say Switzerland or Finland, would you be more open to the idea of state healthcare ?
Absolutely, if it also meant we're taxed less for the other shit mentioned. A lot of BS listed off, but those are just examples of how they improperly use the exuberant amount of cash they take from US citizens. Nobody would be ok with even MORE taxation even if it meant properly "universal" healthcare unless the rest were reduced.

Havn't had those issues but my 11 Pro is definitely hitching and lagging more than it used too. When I use Spotlight search it often takes a couple seconds to get results, it used to be near instant.
Yea it's super weird because my XS I use as a company phone doesn't give me these problems but my 12 Pro and her 11 definitely has issues now.
 
Just gonna put up with it til iPhone 13 comes out. I tried iOS 15 beta and it was the same.

In other news I think I got some bootleg smuggled blood test strips from murica. Apparently for Medicare beneficiaries only ?image.jpg
 
Just gonna put up with it til iPhone 13 comes out. I tried iOS 15 beta and it was the same.

In other news I think I got some bootleg smuggled blood test strips from murica. Apparently for Medicare beneficiaries only ?View attachment 14560
How are you getting Medicaid test strips? There is a difference between Medicaid and Medicare. Medicaid is for folks on welfare (poor folks on govt insurance) and Medicare is for elderly folks that are retired. Mrs C's mom is on Medicare and her test strips are not labled that way..... I'll have to check out her test strips to see where they are from when I go over there tomorrow.
Edit: your test strips have to be compatible with the device you use to check your blood sugar with
 
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