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12:41 PM on 10/13/2009
Thank you Tom Sullivan. Someone finally picked up on the obvious. I live in a city of 10,000 surrounded by several smaller county towns. There aren't many months that go by that someone isn't organizing a charity bake sale, entertainment, or the bucket brigade to help a family stay afloat or afford a family member needed treatment for a devastating illness, care and therapy as a result of auto or farm accidents. I've decided to cut out the notices in our newspapers for these events, stuff them in a manila envelope and when it's loaded down, send it to my lovely senator Bayh.
The most ironic thing about this 'right in your face' fact, is that most of the people, who are in this situation in my area, are probably against health care reform. Go figure.
12:27 PM on 10/13/2009
It is the whole system that is flawed, not just for-profit insurance. People want coverage, but they want it cheap. If people aren't willing to invest in their own health, why should we expect anyone else to? EMployers that provide insurance are the ones who determine what the company policies will cover, and in doing so they determine the value of the health of their employees and their families, so that most insurance is just the hired bad guy doing the job they have been paid to do. Most people have never even read their policies in order to see what it covers, which is akin to calling your car dealership, telling him you want a red car and are willing to pay $50K, then complaining when they deliver a spray painted pinto with no doors. Insurance being for-profit is ludicrous, you are right about that, but you fail to mention the doctors in this. What are the morals of the doctors who insist that payment be arranged before treatemnt will be provided? The whole thing is just disgusting.
01:25 PM on 10/13/2009
What a poor poor analogy there Lu....totally missing the point.

Most people get insurance from their employer. Their employer has ONE company providing insurance, often there isn’t even a choice of plans….it is take it or leave it.

It really makes NO DIFFERNCE if you read the find print on your contract or not, this plan from Aetna/Cigna/Blue Cross is your ONLY OPTION. It isn’t about people not reading the find print; it is about the fine print being unfair, often bordering on illegal, and the fine print being the law in your company.

You really think a well read secretary that finds a problem on line 2509 of her health insurance policy is going to get any traction or actually get anything changed? No way that is going to happen, as this is the plan that the employee puts forward. Take it or leave it.

So how is your car buying analogy relevant at all? Answer: It isn’t.

Until insurance companies are forced to provide decent, irrevocable, affordable insurance to every American, we will always have this problem.
01:40 PM on 10/13/2009
If people read their policies, perhaps they would see that they were garbage fixed to make certain that insurance companies would not pay in the event of a catastrophe, and instead of paying insurance companies to cheat them, they would save their money themselves to cover the cost of those catastrophes on their own, causing insurance companies to go by the wayside, thereby ridding the world of just a little bit of evil, or reform in order to stay in business, thereby ridding the world of just a little bit of evil. Your ideas of what health insurance are versus what they should be are naive. The company provides one option because it is not monetarily feasible or cost effective to provide more than one option. You have mnay options though, beyond the policies provide by employers. Perhaps if more people read and chose to shop outside for individual insurance that provided reasonable coverage, we wouldn't be in this situation to begin with, but the reality is (as I mentioned up there) people don't want to pay for their own health to begin with, which is why you just go witht he company policy.
01:54 PM on 10/13/2009
Furthermore, is this really an issue of affordable health insurance? When it comes right down to health CARE not insurance will cost us $2.5 trillion this year alone. That is over $8000 per person and over $16000 per worker. You are missing a vast majority of the big picture. It isn't the insurance that is expensive; it's the care.
12:27 PM on 10/13/2009
It is bizarre that our most personal information is shared with doctors, who won't discuss our conditions except under extreme circumstances, yet the insurance companies sometimes know more than our families.

The gentleman who decided not to tell his insurance company that he donated a kidney will be fine until that information inevitably gets back to them.

On the one hand, we push the idea of capitalism and freedom so that our researchers (especially in the medical field) can make stunning discoveries and genius inventions. On the other hand, the insurance companies don't want to foot the bill.

And while few conventional doctor encourage true preventative medicine, insurance companies are even slower to cover the therapies and modalities that can help save millions of dollars and lives:

Gym memberships
Nutritional counseling
Physical therapy
Manipulation (Rolfing, Reiki, etc.)
Yoga/meditation classes
Counseling (beyond 10 sessions per year)