Health Insurance is a bad deal for many people because of mainly one thing.
The fact that health insurance is a business that must make a profit or go
out of business.
They need to meet salaries, utilities and rent\lease and still make a profit
(after) paying out insured covered payments.
That means they must take in much more in premiums than they pay out for
what premiums cover.
Many times the insurance company will try to avoid paying at almost every
turn.
They do that just at the time when the sick or injured person doesn't need a
headache with their insurance company to add to their anxiety further.
The US has the best healthcare money can buy (if you have the money) and
insurance would do better to spell out what they cover in an understandable
way.
Maybe there should be separate insurance for separate conditions, like
infectious disease, broken bones, terminal disease, after all there is a
separate dental insurance so why not one for "skin insurance" or "liver,
heart or lung".
Happy shopping;
Jamffer
>Maybe there should be separate insurance for separate conditions, like
>infectious disease, broken bones, terminal disease, after all there is a
>separate dental insurance so why not one for "skin insurance" or "liver,
>heart or lung".
Yes. That would make things much simpler. :)
Not.
Insurance works because it is a group. If you are one of the lucky
ones, you will pay in (or have paid on your behalf) more than you
need.
Ghamph - 12 Nov 2007 01:33 GMT
> >Maybe there should be separate insurance for separate conditions, like
> >infectious disease, broken bones, terminal disease, after all there is a
[quoted text clipped - 7 lines]
> ones, you will pay in (or have paid on your behalf) more than you
> need.
Exactly, that's why a universal comprehensive health coverage would be good
in one way, as you mention.
Comprehensive ins. to cover what emergency rooms do now, including dental
for necessary (not cosmetic stuff).
A fully inclusive system would be much simpler and save money in several
areas.
Patients with money could opt out with a partial credit toward a private
special Doctor if they wanted.
It would take some of the no payers out of the emergency rooms and give them
a regular doctor for check ups.
Rich people won't like it because they already can afford top notch care,
like Govt. officials get.
There should also be a tax credit for people who take care of their health
and don't use much services.
Rich people say that a universal system would cheapen the quality of care
but it wouldn't for them.
I say that cheapened care is better than hardly any care that some people
are stuck with now.
Sure, there are pros and cons but the system now is crazy and the expense is
really nuts.
Another subject is medical expense accounts. Is that a good idea?
Jamffer
Terry - 12 Nov 2007 03:12 GMT
> Comprehensive ins. to cover what emergency rooms do now, including dental
> for necessary (not cosmetic stuff).
>
> A fully inclusive system would be much simpler and save money in several
> areas.
The way to fix healthcare is to either give the country the same
healthcare as congress gets or give congress the same healthcare we
get.
Waterspider - 14 Nov 2007 20:26 GMT
>> Comprehensive ins. to cover what emergency rooms do now, including dental
>> for necessary (not cosmetic stuff).
[quoted text clipped - 5 lines]
> healthcare as congress gets or give congress the same healthcare we
> get.
Hahahah, great idea, but the country couldn't afford it!
mawtuan - 15 Nov 2007 04:53 GMT
>>> Comprehensive ins. to cover what emergency rooms do now, including
>>> dental
[quoted text clipped - 8 lines]
>
> Hahahah, great idea, but the country couldn't afford it!
I attended a medical ethics workshop the other day. The key-note speaker
made the comment that ".....we don't need socialized medicine in the USA;
we need socialized legal representation."
Rather well-stated, IMHO.
Thom
greyhackles - 15 Nov 2007 05:27 GMT
>>>> Comprehensive ins. to cover what emergency rooms do now, including
>>>> dental
[quoted text clipped - 13 lines]
>Rather well-stated, IMHO.
>Thom
It is a myth, promulgated by the medical industry, that lawyers are the cause
of the high cost of medicine in the USA.
And that's all I plan on saying about that...
Cheers
/greyhackles