Post a New Topic
Another attempt to raise our Health Insurance rates
Original post made
by Perspective, Midtown,
on Mar 28, 2009
The Senate is looking at how insurance companies set out-of-network charges, with an eye to, of course, regulating this practice from a Federal level.
Great. Add that to paying rates for mandated language translations, chiropracty, and accupressure/accupuncture, and maybe you all start to see what REALLY needs to happen to lower our insurance rates.
BUTT OUT REGULATORS, you just keep adding to what those of us who are responsible enough to pay for our health insurance have to pay!
If you MUST look at Health Insurance at the Fed level, why don't you look at how to allow us to buy Health Insurance
Posted by Perspective
a resident of Midtown
on Mar 29, 2009 at 7:36 am
Bill, I am sorry you have had such troubles. However, my experience with acute and chronic illnesses is not limitied to the occasional cold either. The choices we make concerning the kind of health insurance we buy or the kind of jobs we take affect our health insurance consequences and outcomes.
I do not want anyone to be uninsured. I want us to continue to have the greatest health care system in the world, one where you can have access, through your insurance, to the best medicine can offer for any illness. Therefore, I want us to get away from ever more regulation concerning what ridiculous extra "health care" and language services insurance companies MUST provide, and away from the ever growing notion that somehow we must punish the pharmacies for their profits on drugs, so that they can continue to create life saving drugs such as the cancer drugs coming out now.
Therefore, I want all people to be required to show proof of health insurance in order to get a driver's license, and all people to have access to health insurance they can afford, not just health insurance that State legislators have decided must be the only kind offered in "their" State. They don't have to live within the rules they create, and are too busy doing "feel good" legislation not sound sense, and are saddling us with ever more ridiculous items we MUST pay for, regardless of whehter or not we would ever use it.
Imagine that a few simple things happened in our country, the FIRST country to do so, ( now this would be REAL change, instead of just taking the path to destroying health innovation and access like many other countries before us).
1) If someone doesn't have health insurance, they can't have a driver's license. Same as what we used to enforce for car insurance.
This would immediately increase the sheer numbers of uninsured by at the very least 10 million in the USA. ( For numbeerse of uninsured who really can't afford it versus numbers who are choosing to not buy insurance and can afford it...Web Link)
This would increase the risk pool, bringing in primarliy young, healthy, uninsured by choice "nothing will ever happen to me" people. And, of course, lower health insurance rates.
2) Allow us all to have access to health insurance that covers what we want to pay for. Do you want to pay insurance rates for language translation services, accupuncture, chiropractic, etc? Why can't I buy health insurance that works like Medicare? Or, if you want to argue that this is only made for the older, so doesn't apply, then why can't I buy health insurance like Medi-Cal? This provides basic health prevention care and health problem care. I don't want or need fancy insurance, and am forced, as we all are, into choosing between not buying any insurance or paying very much more than is necessary for our needs. I resent it deeply and want Ford level access, not just BMW choices.
3) Decouple the tax breaks from being ONLY for businesses, and make it so that it is for individuals, so that people own their own insurance, and aren't "job bound" by their insurance. This takes out that darn COBRA which is viciously expensive, and allows us more freedom to move from job to job, not stuck because of insurance. It also means that we still have insurance even when we quit a job to care for a loved one or to fight our own medical problems, as long as we keep paying our insurance premium.
4) No person can be denied health insurance because of prior problems, and at the same time, no health insurance company can be required to take on more than a certain percent ( I don't know what that would be) of its insured clients with "prior" categories. This would open up the door for those of us with 'uninsurable" bodies to get health insurance and pay our own way. It would also allow more health insurance companies to open their doors and compete, because they would have the assurance of a ceiling of risk.
These changes would allow competition, lower health care costs as individuals started shopping for where to go for elective surgeries based on cost, not just locale, doctors started vying for health insurance rates and so on.
We can not keep veering toward bureacratic control of our health care, or we will become like all the other struggling "managed" health countries..NO THANKS. I like having access to great health care, and I want all of us to keep that choice.