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Is this how we pay for Health Care


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Is this how we pay for Health Care

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  #1 (permalink)
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As the economy gets worst, is this the last resort to stay alive?

By robbing a bank, getting sent to jail, and getting free food, shelter, and medical care.

"Faith is the substance of things hoped for, the evidence of things not seen." --- "Therefore, I Believe it and I will see it. And every day and in every way, I am healthier, wealthier, and wiser."
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Depressing....likely to happen more often

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46.2% of personal bankruptcies are due to medical expenses

Tea Party Candidates who were elected to congress signed up for government health insurance

Socialized medical care is provided for convicted criminals but not hard working families

Because of health care expenses, the average cost of housing an inmate over 60 is $70,000 a year

Most health insurance policies have a $1 million lifetime cap, which was set 40 years ago

The Healthcare Reform Act made it illegal for an insurance company to cancel a woman's health insurance policy while she was in the middle of Radiation & Chemotherapy treatments for breast cancer. Republicans want to repeal that law.

I guess I better get @RM99 to explain to me why this is as it should be....

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ThatManFromTexas View Post

The Healthcare Reform Act made it illegal for an insurance company to cancel a woman's health insurance policy while she was in the middle of Radiation & Chemotherapy treatments for breast cancer. Republicans want to repeal that law.

I guess I better get @RM99 to explain to me why this is as it should be....

Hmmm, Republicans are the bad guys because they want to repeal ObummerCare, and that is bad because there is one thing in it that you think is good? This is the typical scare tactic the left uses. Number one, if that is a good provision it should be taken up in a better solution after the bad solution is repealed. Number two, has there actually been a case of an insurance company cancelling coverage of cancer treatment in the middle of the treatment?? I don't know but I doubt it.

Dan

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eDanny View Post
Hmmm, Republicans are the bad guys because they want to repeal ObummerCare, and that is bad because there is one thing in it that you think is good? This is the typical scare tactic the left uses. Number one, if that is a good provision it should be taken up in a better solution after the bad solution is repealed. Number two, has there actually been a case of an insurance company cancelling coverage of cancer treatment in the middle of the treatment?? I don't know but I doubt it.

Dan

I'm not a great fan of a lot of the Obama Healthcare Act - I think Medicare for all would have been a better choice. It's already in place - just add all citizens to it - regardless of age.

In response to your "Number two" - Actually, Yes. I DO know and I DON'T doubt it & here's why: (I can give you her email addr / phone # if you want to call her & verify it). It's not a 'scare tactic' by the left. It happens. It'll happen again.

We applied for catastrophic coverage (because the current United Healthcare coverage is KILLING US) - about a year ago with a nice woman who had just started working for this company. Previously she was one of the top sellers for a very large, well known, old insurance company that's been around since our parents' were young. She had a horror story to tell about her father who was diagnosed with cancer, and was on one of the (I can't name the company here for obvious reasons) policies she had sold him. Once diagnosed, they stopped paying for all but doctors' visits - no coverage for Chemo., which ran into the hundreds of thousands of dollars. (I also heard this same story from a close friend, whose husband died of cancer about 2 years ago - also with that same very large, well known, old insurance company - they would not pay for his Chemo, either - just the dr. visits - lord only knows how many years it will take her, to pay off the hospital Chemo bills, if ever).

Then, as the policy came up for renewal, his renewal rate was double that which he was paying before the diagnosis. So, she stormed into her manager's office & promptly quit working for them and went to work for this other insurance company. She tells this story to all her prospective clients. She struck me as an honest individual with no reason to go after her former employer by telling such tall tales, especially since I heard nearly the identical story from this close friend, who does NOT work for an insurance company).

Remember, so long as "insurance" is part of the equation, it's never going to be fair and balanced. They are in business for one reason and one reason only (not because they care about us or want us to get the best health care) - profit.

They love us so long as we're healthy, pay our premiums on time & cost them very little.

I don't know about you, but I am one individual who is tired of paying nearly 30% of his gross annual salary just for healthcare coverage - oh, and btw, there's nothing wrong with me - no diseases - just getting older - see if a $15,000 a year 'voucher', as proposed by some of the Republican candidates, will cover YOUR healthcare when you're 75 ! When it runs out (about six months into your policy year, then what will you do??) I'm only 57 and it's costing me $13,200 a year!!).

It's a simple equation. As a business owner, I can attest. You have 2 ways of staying in business and increasing your bottom line. Increase your prices or lower your costs - or both, if you can! They are in business to make a profit. Cancer patients, alzheimers patients, etc. etc. are a drain on their resources. The outcomes are often very poor. Get rid of dead weight wherever you can. Minimize your risk exposure. Maximize your profits so that you'll continue to be attractive to your shareholders.

Prior to being a small business owner, I worked for a medical liability (malpractice) insurance company for 5 years. I know a little bit about the 'business' and how it works.

If we ALL had to have insurance coverage, imagine how small and affordable the premiums would be, because the cost & risk would be spread over the entire population & not run by companies in business to profit off our health or lack thereof.

Just a thought..... (I'm trying to be more of a political atheist these days, as I don't believe either the Republicans or Democrats can do anything to dig us out of the hole we're in - it's been too long coming & no one in the government has been willing to stop applying for more credit cards (so to speak). You can't get a new credit card to pay off the old one you maxed out! And keep doing that again and again. It'll never work. It's not a Republican problem or a Democrat problem. It's a GREED problem!

BTW, in case anyone is wondering, I registered as a Republican who has voted Democrat many times in the past. So don't bash me for being a tow-the-party-line-Democrat. I guess you might say, I'm an omni-crat or is that Republicrat or Demlican? Hmmm......

After all, it's what you learn AFTER you know it all, that counts!
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eDanny View Post
Hmmm, Republicans are the bad guys because they want to repeal ObummerCare, and that is bad because there is one thing in it that you think is good? This is the typical scare tactic the left uses. Number one, if that is a good provision it should be taken up in a better solution after the bad solution is repealed. Number two, has there actually been a case of an insurance company cancelling coverage of cancer treatment in the middle of the treatment?? I don't know but I doubt it.

Dan

@eDanny

If the Republicans manage to cancel healthcare reform... they will NEVER add it back. The insurance lobbyist pay them wayy better than we do.

Health Net ordered to pay $9 million after canceling cancer patient's policy
The punitive damage award is the first of its kind and has prompted the giant medical insurer to scrap practices that have recently come under fire.

By Lisa Girion
Los Angeles Times Staff Writer
February 23, 2008

One of California's largest for-profit insurers stopped a controversial practice of canceling sick policyholders Friday after a judge ordered Health Net Inc. to pay more than $9 million to a breast cancer patient it dropped in the middle of chemotherapy.

Health Net ordered to pay $9 million after canceling cancer patient's policy - latimes.com

Just so you know... At the arbitration hearing, internal company documents were disclosed showing that Health Net had paid employee bonuses for meeting a cancellation quota and for the amount of money saved.


Did you miss the Congressional hearings on this?

Daily Dose - HHS: Insurance Companies Encourage Employees to "Revoke Sick People's Health Coverage"

The department cited recent research by the staff of the House Committee on Energy and Commerce, which found that three large insurers rescinded almost 20,000 policies over five years, saving $300 million in medical claims.

At least one insurer included such savings in an employee performance evaluation.

“Simply put, these insurance company employees are encouraged to revoke sick people’s health coverage," HHS said

The research compiled recently for a House hearing included more detail.

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Everyone is waking up to health care reform these days. The problem is that ObummerCare breaks more than it fixes and will cost everyone more and illegally requires everyone to have insurance. Health care needs reform, not a replacement with socialist medicine. If I don't want insurance I shouldn't be forced into it. If I need to be treated I don't want to wait six weeks to see the specialist. Republicans know there needs to be some changes but Democrats have an agenda to socialize health care at any cost and that is plain wrong. Why do you think they rammed the plan through without anyone actually having read it? That is insane and now we are finding all the nasty things that are included.

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eDanny View Post
Everyone is waking up to health care reform these days. The problem is that ObummerCare breaks more than it fixes and will cost everyone more and illegally requires everyone to have insurance. Health care needs reform, not a replacement with socialist medicine. If I don't want insurance I shouldn't be forced into it. If I need to be treated I don't want to wait six weeks to see the specialist. Republicans know there needs to be some changes but Democrats have an agenda to socialize health care at any cost and that is plain wrong. Why do you think they rammed the plan through without anyone actually having read it? That is insane and now we are finding all the nasty things that are included.

I agree with all the above,..... I guess what it comes down to is the fact that anything the goverment gets involved in ends up in costs going up (for many different reasons)and quality going down. The more they get involved the more it costs...basic really.

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