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Joe,in a freemarket business is suppose to be able to prosper while benefiting consumers also by providing service and competition in prices.This is not happening with insurance specially health insurance.
Insurance is a business of risk but they have gotten politicians to pander to them to create laws that allows these companies to gain profit without risk,to gain profit without providing service in return to the consumer,to not have to compete with each other.They only want to insure you if you are healthy when their business is suppose to be providing a service to cover illness.
Insurance is suppose to a business of collecting premiums from say,100 people while knowing that out of that hundred sometimes they will have to pay out to a few.
I don't believe in government takeover,people who do are wrong to think it will be perfect or less of a robbery,but I believe reform is needed where insurance cannot refuse just because of pre existing conditions or medical history,or government must pickup for those.I believe we need to address insurance loopholes much like Teddy Roosevelt reformed business abuse of labor and unethical practices.
It is insane that a person plays by the rules,works and pays there bills and in one shot can have that wiped out because of illness being slammed with leins and bills and forever in debt.
Politicians continue to make legislation that allows insurance companies to maximize profit and deny service in return.Recently our state congress critters passed a law for car insurance not to have to use original replacement parts,just another law favoring insurance that s**ts on consumers.But that is nothing like health insurance,which is more important.And a real kicker is those politicians don't have to be worried about being denied because they are guarenteed the best possible care paid by you and I.***, a win win situation for the politician,paid health care by the tax payer and extra income and or campaign funds by insurance companies if they create laws that deny healthcare to the taxpayer to help maximize profit for the insurance company......
As far as my melonoma,it was cut off end of story,yet because of history all insurance companies are allowed to deny.I do have insurance offered as a group plan by my employer but it is limited,and I must use it because it is the only choice I have so how is a free market working then?What about those who work for themselves that can't even get a group plan who because they had a bad mole,can't get insurance anywhere how is competition of a free market working in that case?
So is this America? "work,play by the rules,buy a house pay it off,love your country.But if you get ill...well F you buddy in that case business profit is more important if you can't pay your medical bill go live on the street and or die,you playing by the rules in life means dick in that case,the insurance companies are really what make America great not you,you only made America great when you weren't a risk to profit of the insurance companies".Is that America?
First of all, truth be known most health insurance companies do very little 'insuring' any more.
The great majority of insured individuals are covered thru their employment.
The great majority of those plans are 'self insure' plans.
What that means is this:
Your employer collects the premium.
Your employer pays the claims.
If any is left over , your employer keeps it.
Your employer contracts with an insurance company to provide adminstrative services for the plan.
Your employer purchase a re-insurance policy from the insurance company, so that if claims in any given year are over the amount of premium collected the employer is covered for assuming that risk.
So the insurance company doesnt really 'insure' you in this scenario.
Your employer does.
In many states, employers who 'self insure' are exempt from many of the consumer protection laws which actually regulate insurance companies.
Your employer 'plays insurance company' but doesnt play by the same rules as a regular insurance company.
So much of the venom directed at 'insurance companies' these days is really misspent on the wrong party.
Your employer wanted to save a few bucks, so he started 'playing insurance company' behind your back.
This is partially true. Actually almost all French use private insurance as supplemental insurance. The single-payer system covers what it can with the budget it has, but it can't cover everything. Therefore, most people purchase private insurance to cover what the public insurance doesn't cover.
so you are o.k. with the gov't increasing the income tax at least 10% to pay for this right??? across the board increase, not just the rich...
But then, you still will have to choose healthcare coverage, either from the gov't or employer or other private options, because it will be mandatory. So let's say another 5% of your income for premiums. Are you willing to do this?
Yes, I did read the article. And it also pointed out some fatal flaws, health care costs in France are also skyrocketing, forcing the government to cover less of the 70% they currently do, increasing costs of copays for treatments, etc.
You try to argue the "happiness" of the systems, instead of looking at the nitty gritty, it is unsustainable, and will not work long term.
and how many people is france insuring? I'm sure it's not 305 million people...
The same old arguments, the same old fear-mongering - has been going on for decades by the liberals in order to "get their foot in the door" of socialized medicine.
i guess they will have to take a pay cut like they usually do if the work at a VA or military hospital. They just won't get the extra benefits civil service jobs get.
Then think about the private health care lobbying.....Its corporate manipulation of government.
It's self defense.
It's been well known for years that Democrats wanted the government to take over all health care -- hospitals, doctors, insurance companies, pharmaceutical researchers/manufacturers, medical equipment companies, therapists and care providers of every kind.
And they've been fighting for their lives with every tool at their disposal including lobbying.
The Democrats have an insatiable thirst for power and will stop at nothing to take over this large chunk (about 15-20%) of the economy.
Many of those who do not are young singles, whose attitude is 'I never get sick, I don't need this right now'.
And they should have something. For anyone who has listened, H1-N1 has its worst effects on the young and healthy. Not to mention the possibility of accidents and the possibility of contracting something.
There is no reason people should be afraid to go to a PCP to get preventative care done and prevent worse outcomes. (keep in mind I'm not talking about knee replacements, or Botox or other things, I'm talking about making sure bronchitis doesn't progress to pneumonia, and cancer is caught early on when its treatable)
Oh wait there is one reason, cheap rich people who don't care about the well being of others.
ummm, most of the canadians than come here, pay out of pocket so they don't have to wait 6 months for a surgery that takes a week to get here..
Source? I provided you with the source that says Canadian UHC covers hospitializations in the US and I'll also provide you with a source for Canadian wait times as well.
In 2005, the median waiting time was about 4 weeks for specialist visits, 4 weeks for non-emergency surgery, and 3 weeks for diagnostic tests. Access to health care services in Canada, 2005
Big difference between 4 weeks and 6 months.
Quote:
Originally Posted by nrfitchett4
Why are people that have a different opinion than yours lunatics???.
Sorry, I shouldn't have used the word lunatic. But I'm still not taking your word over the WHO.
Quote:
Originally Posted by nrfitchett4
Why not move to canada???
Don't like cold weather.
Quote:
Originally Posted by nrfitchett4
There's a reason that canadian doctors and nurses come here to work. To make a real living.
I'm sure that there are many Canadian doctors that make a real living in Canada, are proud of what they do, and would find this comment very insulting.
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