What am I paying ACC for?

[DMNTD:Me]

I blame your calliper...or lack of it

[p.dath]

Bring on privatised health care, at least then I know all the costs involved sheeeesh

You can take out private health insurance now to cover you for the gap between what ACC will cover you for, and the cover that you would like. I have. Don't want to take risks for with my health.

[R-Soul]

It's just the Nats keeping up their battle to destroy ACC in the public eye. Don't let them, is my advice.

All you defenders of private healthcare have yet to answer a few key questions:
- In what other countries does this work really well?
- What would you do differently here to avoid the issues found in countries where it works really badly?
- How does healthcare get cheaper when you have to add in a profit motive?
- How do you deal with pre-existing conditions? This is the biggie.
There are more but those would be a good start.

My example is dental care - I would love decent insurance cover for my teeth, but there is no public option to speak of, the available private cover does not cover even a small portion of the costs (and it's in exchange for a hefty premium, at the top end of their policy offerings), and I can't buy specialist private cover at a reasonable premium because my teeth are already stuffed. How else could this work?

The fact is that ACC has stuffed up the development of competitive private health care insurers.

In South Africa public healthacre is rubbish, and private insurers are brilliant. They even pay for most of your gym membership to encourage proactive health care. I dont see ACC doing that...

[aff-man]

I blame your calliper...or lack of it

Shush you..... oh and about 6 people got to see how well the calipers on the 6R worked as I did a verticle(ish) 2 up stoppie into said muppet cager

You can take out private health insurance now to cover you for the gap between what ACC will cover you for, and the cover that you would like. I have. Don't want to take risks for with my health.

I have full health insurance for specialists and such. Don't think they cover ambo subsidies, will have to check though.

[rainman]

The fact is that ACC has stuffed up the development of competitive private health care insurers.

In South Africa public healthacre is rubbish, and private insurers are brilliant. They even pay for most of your gym membership to encourage proactive health care. I dont see ACC doing that...

Perhaps so, and yes, SA medical cover (particularly dentistry) is a Good Thing from what I remember (it's been a while). But still, saying "you can't get there from here" hardly helps the pro-privatisation case.

[Mom]

yip 67.50

I have a registered ACC number for the inccident as I am still getting some work done as I injured myself a little more than I thought on the day... aint adrenaline great ..... that is untill it wears off.
My missus called the ambo as I couldn't see straight and was all over the place.... I had just gone into a car head first at 30km/h.
I did get in said ambo as they didn't want me sitting out in the street while they checked if I could remember my name hahaha
But i then got out again and after about 30 mins they were on their merry way.

Yes I agree I should pay ACC but then I have paid over 2k in the last 8 years as part of my rego cover and now they want more cash for 1 callout. If it's a regular thing then sure I agree that a subsidy of some sort should be paid but for a 1 time accident situation??

Ring ST John and give them your ACC claim number and they will redirect the bill to them and you wont have to pay. True

[The Pastor]

"What are you paying ACC for?" because it is compulsory, you have no choice and no other option, it is a form of TAXATION!

thats werid im not paying any acc?

[MSTRS:Me]

Not weird. The umemployed who don't register their vehicles and steal their petrol don't pay any ACC.

[miloking]

"What are you paying ACC for?"

So if i break my leg skiing i get surgery paid for of course

[oldrider]

It's just the Nats keeping up their battle to destroy ACC in the public eye. Don't let them, is my advice.

I agree with you but keep it seemly, "all" the politicians (National and Labour) have fucked about with ACC!

Before ACC (Woodhouse) there was nothing for anyone for accident insurance, non of the established insurance companies wanted a bar of it!

That is why I don't support them to replace ACC (Woodhouse version) now, even though Smith is doing his best to make them sound like a better option!

I want to see ACC return to Woodhouse principals as the first and only option, even if it does have "socialist" origins it worked then and can work again!

The politicians will have to be excluded from interfering with it though, put it under the control of the Governor General and the audit office if necessary!

Just keep ACC politician free and then focus on sorting out the system abusers!

[Mom]

It's actually not as bad here in the states as I once thought ... I've been working here for the past 5-6 months, healthcare insurance is compulsory paid out of my wages by my employer (due to it being a relatively higher risk job). Most dental care here (fillings, check ups, cleaning, x-rays) is completely covered by insurance, all doctor visits I pay 20$ initial fee (unless its an injury at work, which then I pay nothing) most other doctor stuff is 90% covered by insurance...

and for this? I pay about $20 a week...not sure if that's cheaper than acc levies etc but I've had an MRI since Ive been here which costs around 2k (100% covered):-P

The downside? Litigation - having acc in this country gives up our right as NZrs to sue for personal injury. And I'm all for not having the horrible litigation environment they have here in the states, where the doctors are afraid to let you go back to work or do anything until completely clear, for fear of you suing their asses off

That is because you are in a subsidised scheme via your employment. Go and give yourself a huge shock and find out the actual cost for an individual get the same cover you currently have under your subsidised scheme.

[rainman]

I agree with you but keep it seemly, "all" the politicians (National and Labour) have fucked about with ACC!

Before ACC (Woodhouse) there was nothing for anyone for accident insurance, non of the established insurance companies wanted a bar of it!

That is why I don't support them to replace ACC (Woodhouse version) now, even though Smith is doing his best to make them sound like a better option!

I want to see ACC return to Woodhouse principals as the first and only option, even if it does have "socialist" origins it worked then and can work again!

The politicians will have to be excluded from interfering with it though, put it under the control of the Governor General and the audit office if necessary!

Just keep ACC politician free and then focus on sorting out the system abusers!

Fairy Gnuff. Some of the changes made by Labour were crap too. A reset to Woodhouse principles seems like a good place to start.

I was just thinking about insurance today. Between car insurances, bike insurance, life insurance, house insurance, contents insurance, disability insurance, indemnity insurance, ACC levies etc... an awful lot of money goes from me to insurers every month. I don't think I have the guts to figure out how much of my (now former) income it is. I wonder what percentage of the tax I was paying it was? Most of these are fixed expenses, so more visible as income approaches small numbers.

All for scary stuff that might happen (but oh so hard to do without). You'd think my life would be covered against every possible bad outcome. Seems not to be the case, though.

I notice insurance companies seem to do quite well.

[The Pastor]

Not weird. The umemployed who don't register their vehicles and steal their petrol don't pay any ACC.

i was saying its weird that its compulsary. Its only complusary if you follow all the rules!

I dont make the rules, I break em.

[The Pastor]

Not weird. The umemployed who don't register their vehicles and steal their petrol don't pay any ACC.

i was saying its weird that its compulsary. Its only complusary if you follow all the rules!

I dont make the rules, I break em.

[oldrider]

Fairy Gnuff. Some of the changes made by Labour were crap too. A reset to Woodhouse principles seems like a good place to start.

I was just thinking about insurance today. Between car insurances, bike insurance, life insurance, house insurance, contents insurance, disability insurance, indemnity insurance, ACC levies etc... an awful lot of money goes from me to insurers every month. I don't think I have the guts to figure out how much of my (now former) income it is. I wonder what percentage of the tax I was paying it was? Most of these are fixed expenses, so more visible as income approaches small numbers.

All for scary stuff that might happen (but oh so hard to do without). You'd think my life would be covered against every possible bad outcome. Seems not to be the case, though.

I notice insurance companies seem to do quite well.

Funny how it is with all that cover, they can still find a little reason why you are "not" covered in "this" instance and your up the creek!

It's all just another form of tax on your life in the end, the bastards!

I said to my wife today, (in a moment of despair) shit I have never felt so bloody old and she quickly quipped, that's because you have never been this old before!

I thought about that for a moment and can't help wondering, why I was surprised by it all!

I think I have passed my use by date! :slap: