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I always thought auto insurance costs needed to be based on driver's record. I never had an accident all the years I drove but my insurance costs was based on zip code.
Same with a person's health, the healthier they are and less doctor/hospital visits the less they would pay.
Yea, I know there is that one time BUT...how about all the other times.
I'm getting psyched for my annual MD visit early next year, and if it were not for a couple meds refills, I'd not even go.
Great post and I agree if you are a good driver why should you pay for bad drivers. Same as healthcare.
Obamacare was created by the health insurance companies.
We have universal access to healthcare. I know of no law that prohibits anyone from picking up a phone and making an appointment with any physician they choose. The restrictions are imposed by the health insurance companies. Preexisting conditions is an INSURANCE issue. Not a health access issue. Type of care covered is an insurance issue, ie, insurance does not for preventive care such as functional medicine or alternative or complementary care.
Ger rid of health insurance companies. You'd be shocked to see how quickly prices start falling. And how many options people actually have for healthcare. Not insurance.
I agree that Obamacare was created by the health insurance companies.
It doesn't matter if there is a law restricting access to healthcare if a provider won't schedule an appointment if you don't have health insurance.
I'm not sure where you are going with your other comments. Denying insurance due to pre-existing conditions is currently not allowed. This could change in the near future. I don't trust insurance companies to determine what should be covered. Their decision will be based on a profit motive.
Quote:
Originally Posted by jasperhobbs
Great post and I agree if you are a good driver why should you pay for bad drivers. Same as healthcare.
Are you lumping bad drivers and people with terminal illness together?
If you've ever had Medicaid, it's an eye-opening experience. It beats Medicare by miles, and when I think of all the thousands and thousands and thousands we spent on premiums while working, it raises my blood pressure. When I think of relatives on SS who shell out monthly premiums for Medicare, after having deductions from their paychecks all their working lives, that doesn't make me feel any better.
Now that I'm working again, I have no plan at work as they make sure no one works over a certain amount of hours there.
I vote for single payer, medicaid for everyone, and if we had back the money that goes on insurance premiums and co-pays for both doctors and drugs, we could afford good coverage for everyone, and include dental and vision and hearing aids, too.
With my medical maladies here in Montreal i'm in the hospital for one thing or another on a weekly basis,i'm not seeing these long lines you speak of.Today its first check of a maturing fistula then an appointment with the nephrologist then a session with dietician ,Cost? $0.00
It also seems logical to me the more people you have paying taxes for universal healthcare the more sucessful the system.
You keep talking about how great your insurance is, well maybe if we had 30million population vs 330million, things could be different here too...plus our countries are run differently in many ways.
I agree that Obamacare was created by the health insurance companies.
It doesn't matter if there is a law restricting access to healthcare if a provider won't schedule an appointment if you don't have health insurance.
I'm not sure where you are going with your other comments. Denying insurance due to pre-existing conditions is currently not allowed. This could change in the near future. I don't trust insurance companies to determine what should be covered. Their decision will be based on a profit motive.
Are you lumping bad drivers and people with terminal illness together?
Perhaps many terminal illnesses could have been prevented in the first place, no???
Taking care of one's own health from the early years. Smokers are not enhancing their health, so pay more for insurance as well and in general.
I'm talking about insurance in general actually.
Last edited by jaminhealth; 12-14-2018 at 11:17 AM..
Great post and I agree if you are a good driver why should you pay for bad drivers. Same as healthcare.
"Blame the patient"! It's amazing to me how many authorities there are here on CD who think every illness and condition that they don't have is caused by "lifestyle", or "bad diet", or whatever. NO ONE has bad genes, or just bad luck to get some diseases. Heck, if you are a male, you are automatically at higher risk for heart disease.
Quote:
Originally Posted by NYC refugee
If you've ever had Medicaid, it's an eye-opening experience. It beats Medicare by miles, and when I think of all the thousands and thousands and thousands we spent on premiums while working, it raises my blood pressure. When I think of relatives on SS who shell out monthly premiums for Medicare, after having deductions from their paychecks all their working lives, that doesn't make me feel any better.
Now that I'm working again, I have no plan at work as they make sure no one works over a certain amount of hours there.
I vote for single payer, medicaid for everyone, and if we had back the money that goes on insurance premiums and co-pays for both doctors and drugs, we could afford good coverage for everyone, and include dental and vision and hearing aids, too.
Medicaid benefits depend on the state. People have very unrealistic ideas about single-payer, thinking it's totally "between doctor and patient" with no oversight, restrictions, and the like.
Quote:
Originally Posted by jaminhealth
Perhaps many terminal illnesses could have been prevented in the first place, no???
Taking care of one's own health from the early years. Smokers are not enhancing their health, so pay more for insurance as well and in general.
Perhaps many terminal illnesses could have been prevented in the first place, no???
Taking care of one's own health from the early years. Smokers are not enhancing their health, so pay more for insurance as well and in general.
I'm talking about insurance in general actually.
I won't go as far as agreeing that a terminal illness like cancer could have been prevented in the first place, but I agree there should be incentives for people to live a healthy lifestyle.
The trouble is, it doesn't really benefit insurance companies. People tend to be insured by many different health insurers over their lifetime. Some healthy lifestyle behaviors, such as exercise, have advantages over long periods of times in preventing chronic illnesses such as heart disease and diabetes. How would you go about providing an an incentive to someone for changing to a healthy diet or beginning an exercise program? Who determines what a healthy diet is or what qualifies as an exercise program? Do you provide an incentive for not smoking? If so, do you test the person for nicotine and how often? Does that become part of the health insurers data on that individual?
I won't go as far as agreeing that a terminal illness like cancer could have been prevented in the first place, but I agree there should be incentives for people to live a healthy lifestyle.
The trouble is, it doesn't really benefit insurance companies. People tend to be insured by many different health insurers over their lifetime. Some healthy lifestyle behaviors, such as exercise, have advantages over long periods of times in preventing chronic illnesses such as heart disease and diabetes. How would you go about providing an an incentive to someone for changing to a healthy diet or beginning an exercise program? Who determines what a healthy diet is or what qualifies as an exercise program? Do you provide an incentive for not smoking? If so, do you test the person for nicotine and how often? Does that become part of the health insurers data on that individual?
I'm no insurance expert but have a lot of common sense. When I fill out a health questionaire at a doctor's office one of the questions is tobacco user. Alcohol drinker, how many a day etc....
Same for hospital admittance and by then it's too late due to poor choices.
Perhaps many terminal illnesses could have been prevented in the first place, no???
Taking care of one's own health from the early years. Smokers are not enhancing their health, so pay more for insurance as well and in general.
I'm talking about insurance in general actually.
Since a lot of Americans have no desire to take care of themselves the point is moot.
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