How in the name of common sense (if perchance it still exists) could an insurance industry be based on illness? Insurance is based on Actuary Tables. For example with home insurance, everyone who buys a policy pays 'in' but not everyone will have a home disaster. Actuary Tables say so. Thus the money paid 'in' will cover the losses of the nominal group who have had a disaster. How could any Actuary Tables possibly conclude that industry involvement in health care presents viable risk factors when literally everyone will process a claim? It makes no sense. If you have insurance you have a ’health agent’ who is nothing more than a paper-shuffling middleman who should be dumped. Less cost right there.
Obviously I really don’t think the Insurance Industry should be in charge of Health Care any more than I think the Food Industry should be in charge of it. Although the food industry does seem to keep the shelves stocked. (Maybe put them in charge, they do a good job.) Why is an industry in charge of our national health care in the first place? With significant change will another corrupt giant (like the Housing Industry) come crashing down and is that fear the reason all the suggested reform protects the Industry?
People in all of the industrialized world, except us, have health insurance but it is not a for profit industry! Here our not-for-profit health care, Medicare and Medicaid, cost 3% to process claims. However it costs 33% to process an insurance claim because investors must get their share first. Socialize the whole thing IMO... there I've said it.
I don’t have insurance anymore and am not yet old enough to qualify for the socialized government program. My (rarely used) insurance (Blue Cross/Shield) premiums continued to rise as the children left coverage. It was $225 in 1986 for 8 of us and ended up costing $880 a month with A $5,000 deductible for two healthy (knock on wood) adults. Unaffordable. As I was negotiating a lower premium, after my agent’s assurances everything was ’on hold’ until we reached an agreement, they cancelled us; I had missed the payment after 22 years of prompt payments. So we are now among the uninsured.
Hipe has made people afraid and televised programs promoting the latest medical panic are not helping allay the fear of illness driving most people to the doctor; this fear overburdens the system. Consequently I think advertising by pharmaceutical companies should not be allowed on TV. ’Ask your doctor for...' is ridiculous. Additionally common sense would suggest that 86 year old Aunt Mary use a cane rather than spend 60,000 taxpayer dollars for her hip replacement. People used to know a cold lasts three days so no need to rush to the doc until the fifth day when the phlegm turns green, a fever begins, and the symptoms increase. Then go to get an antibiotic
Unfortunately many of those who are insured have not a clue what they cost the system by their easy access to care. I know several young people who have full coverage insurance and go to the ER every whip-stitch for gas or anxiety. They were convinced several times last year it was a possible heart attack. With good coverage, the hospital took advantage of them and referred them to six or seven tests, including stress tests, that concluded after $30,000 they had gas... or an anxiety attack. Please folks, take an antacid or half a xanax before rushing to the ER; it costs everyone and perpetuates the problem. And shame on the hospital!
Sadly, my son and daughter-in-law lost a baby in vitro at less than three months. A DNC was necessary but why did it cost $10,000 with their $3,000 deductible? Why was there a $65 towel warming charge when no one asked if she cared if her towel was warm. Why were there other absurd charges... listed among them were expensive blood thinning medications she did not receive. The cost of the procedure was $300 twenty years ago so why has it risen so? Shame on the doctors and hospitals again!
Personally, I knew we were in health trouble when doctors could no longer use their educated discretion and give meds to their patients... suddenly, at the request of government, the police were in the mix. I wondered then why police were making medical decisions, but then they appointed a Drug Czar to explain it all for me. With the police-produced list of dangerous substances paregoric (among many other old and useful drugs) vanished. Banished not by physicians, but by law enforcement. So what I think really worries many objecting to the thought of government intervention is which agency would make what rules and at what public price. Any agency BUT the law enforcement in charge is okay with me. I'll gladly pay the $100-125 a month for universal care the Medicare recipients do... after we get rid of the blood sucking Industry and socialize medicine. Everyone under 65 deserves the same care the elderly recieve, don't we?
Seems everywhere we look someone is dancin’ with the devil in the pale moonlight because common sense apparently died a painful death years ago when corporate giants murdered it for profit.