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Wrong.. they reason they force you to buy car insurance is to protect OTHERS.. If you wreck into someone else and cause THEM damages, you are insuring THEM..
My point is that you're forced to buy insurance in most states for cars.
No your not.. You are forced to buy insurance if you want to DRIVE the cars.. and this insurance is to protect OTHERS that you might cause harm to.. Its not to protect you..
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Originally Posted by LetMePost
Nobody likes it, but we see the purpose and auto insurance isn't absolutely unaffordable.
Yes, I see the value in insuring OTHERS against damages if I'm careless.. Do you see the difference? The fact that its not unaffordable is because government doesnt require the car insurance companies to pay for the oil changes, to insure the motors, the transmissions etc.. They do with health insurance..
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Originally Posted by LetMePost
The problem with healthcare insurance is that we're having a larger baby boomer population about to get old and need care. It's going to be costly for insurer's and most likely they'll find a way to drop those people making healthcare highly unaffordable. and a nightmare.
Wrong.. its government making insurance unaffordable by requiring insurance companies to provide care that is not needed.. Example again, dentist, routine dr visits etc.. Many can pay these out of pocket but the government doesnt allow these service not to be covered.. Also in addition because government pays such a high percentage of claims, (through medicare/medicaid), and they dont pay enough to cover the proceedures, these costs are passed onto others.. If government would pay $5 a year to insure their vehicles, the cost of car insurance would surely climb.. Who do you think pays for the losses needed to be made up?
Quote:
Originally Posted by LetMePost
Also, when you can't get insured for auto insurance and can't drive your own car, you have a public option.
And that public option doesnt afford you free bus tickets or free plane tickets.. try again..
it will not lower the cost of a plastercast
it will not lower the cost of a mri machine
it will not lower the cost of a xray machine made in denmark
it will not lower the rent/lease/mortgage on that doctors office
will it make perscription drugs cheaper....no
will they lower the costs of running a hospital or doctors office....no
will they lower the electric costs to run a hospital/doctors office...NO...in fact with cap and trade, everyone electric bills will be going UP
singlepayer will not lower anything..it will cost 2.5 to 5 trillion a year...AND RISING
do you really think nurses will want to work for minimum wage????
remember when you pay the doctor xxxx amount of dollars, that is not just going into the doctors pocket...it covers his rent/mortgage/property taxes, his electric bills, his water and other utilities, any equipment he has/wishes to purchase, and his help (nurse, recept,transcriptionist, etc)...and that equipment he bought has to be paid for...if he bought an xray or mri.. he is SAVING you because he is providing you better service, and easier service (doesnt have to send you ELSEWHERE to a radialogist for an ADDDITIONAL fee from that seperate entity)..an MRI machine is about 1.3 million dollars( even if he paid 10k a month (a pretty hefty bill) it would take hime 10 years (10kx12monthsx10 years=1.2 million) to pay it off...do you really think the doctor can lkower his bill much more and still afford to keep his doors open???
I do disagree with that situation. Taxes for a safety net should only go to the safety net and transparity and oversight to make it happens should be enforced.
I am one of the first to criticize government and say how it can be a self serving beast but that doesn't mean government can't work for the people if used properly.
Just because we are nation of individual rights doesn't mean we can't come together for certain solutions when that may be the best solution.
Actually it does.. The constitution indeed says NO to anything NOT in the constitution.. I know.. if you want to completely ignore the laws which govern how we operate, then you can pretty much do whatever you want, right?
So your insurance company pays the medical bills if you give someone else the flue?
Two words
False analagy..
p.s. the government already pays for infectious diseases and outbreaks.. Remember the bird flu?
So if I get hospitalized for TB tomorrow, the government will foot the bill? H1N1? I don't have to pay? Thats a joke, the hospital will hunt you down to get the bill paid. When I need antibiotics the government will pay for them? Show me the law that says that.
From an infectious disease standpoint, an insurance mandate should take away the cost stigma of seeking help if someone thinks they're sick.
If I think I have some disease and I can't afford treatment, I'm not going to go to a hospital until I'm at death's door. In the meantime I've run living my lifearound and possibly infected many other people who will have to pay for my irresponsibility. Very simple concept.
Tuition costs rise because government funding is being cut.
Wrong.. tuition costs rise even though some colleges are sitting on enough money that they could give free college away FOREVER.. Why do they continue to raise the costs even though they are sitting on BILLIONS upon BILLIONS of dollars? Because government increases their payments and they arent about ready to turn down free money..
So if I get hospitalized for TB tomorrow, the government will foot the bill? H1N1? I don't have to pay? Thats a joke, the hospital will hunt you down to get the bill paid. When I need antibiotics the government will pay for them? Show me the law that says that.
From an infectious disease standpoint, an insurance mandate should take away the cost stigma of seeking help if someone thinks they're sick.
If I think I have some disease and I can't afford treatment, I'm not going to go to a hospital until I'm at death's door. In the meantime I've run living my lifearound and possibly infected many other people who will have to pay for my irresponsibility. Very simple concept.
The government indeed pays for many of these costs.. The government for example paid ALL costs for the swine flue vacines..
And my local grocery store gives away free antibiotics to everyone, with or without insurance..
Giant Eagle - Free Antibiotics (http://www.gianteagle.com/pharmacy/free-antibiotics - broken link)
Nice try though at just being ridiculous and avoiding the facts that car insurance is to insure OTHERS while healthcare is not. You dont buy healthcare to protect me from damages if you get sick. I'm not affected if you get sick, you get cancer, nor does it matter to me if you die.. I know, heartless but thats the facts.
You can however drive down the street and wreck into my car causing me unnecessary repairs, put me in the hospital, cause me damages that you should pay for because you caused them. Home insurance is no different.. You are required to have home insurance to protect the bank, and others on your property. You are not required to buy extra insurance to cover your damages in the event your home burns to the ground.
Government is there to protect you from OTHERS doing you harm.
If you cant comprehend the difference then I feel sorry for you.
Actually it does.. The constitution indeed says NO to anything NOT in the constitution.. I know.. if you want to completely ignore the laws which govern how we operate, then you can pretty much do whatever you want, right?
Well then you have this situation. A law or policy is enacted and someone can take it to court and call it unconstitutional and maybe they will win.
However if they do win the situation will be left as this....
Taxes for covering those who can't get insurance or afford treatment will be ended, and so will those people's treatment. Insuance and the medical industry as free enterprise will be free to charge whatever they want and deny who ever they want. Those who cannot pay will be left to die or suffer.
Now, seeing as how all of us sooner or later will develop some sort of emergency , sooner or later we will all be left in financial ruin or death and or suffering under that scenerio.. Sooner or later after you develop your emergency your insurance will deem you undesirable forth on. Unless you are a multi millionaire which in that case 20K or so a year to continue your life or stop pain is pocket change to pay......
Now imagine it as customer pay, during a emergency you don't have the option to shop, you go and they bill you what they decide.....
If they settled at $10,000 a fair price was probably around $3500 and that is all anyone should have to pay.
I have personally negotiated lower rates than what I was billed for even though I had medical insurance. People need to NOT BE INTIMIDATED BY MEDICAL BILLS.
Just because you receive a bill doesn't mean you owe it. Chances are excellent you are being ripped off. The providers will charge you whatever you can get away with.
The way to negotiate with them is to research the lowest rates that were accepted for the services you received. Do a search on-line for "Medicare Reimbursement rates, CPT code _ _ _ _ _" and your city and state and see what you find. Or simply do a search for "low cost ______" and see what you find.
Offer to pay that rate or or even what you think is fair and say that you will be writing a "Letter to the Editor" of your local paper telling everyone about your experience and how XYZ hospital and doctor is trying to overcharge you.... or they can accept the rate you are offering. You can also say that if they insist on gouging you, you will pay the bill at the rate of $5 per month until it is paid (or they can accept the reasonable rate you are offering in cash today and accept that as payment in full. They will of course choose the latter. These techniques are HIGHLY effective. I have seen such letters in the paper and usually a few days later there will be a response from the hospital saying everything has been resolved with the patient that had written in.
Part of the reason cost and insurance is so high is Americans go along with it. WAKE UP everyone. Medical care is not worth anywhere close to what people are paying for it -- especially for those with chronic conditions who are'nt getting any better at all. All they are doing is living with their disease while Rx covers up the symptoms.
Doctor and Congressman Ron Paul said he used to work delivering babies on an emergency basis and got paid $3.00 an hour and he went to Duke Medical School! That was probably in the early 60's but still!
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