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Medical Forum / Diseases and Disorders / Sinusitis / November 2007Health Insurance is bad deal for many
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 > Health Insurance is a bad deal for many people because of mainly one thing. > [quoted text clipped - 24 lines] > Happy shopping; > Jamffer There is a great need for national health insurance. Hillory Clinton originally tried to get this enacted during her husband's first term and then she just quit. She is still a strong advocate for national health insurance. If this becomes law, then perhaps many people who are on SSDI will be able to take a chance and become gainfully employed again insead of facing the doom of a medical emergency causing bankruptcy. >> Health Insurance is a bad deal for many people because of mainly one thing. >> [quoted text clipped - 32 lines] > employed again insead of facing the doom of a medical emergency > causing bankruptcy. This time around, Hillary's plan does *NOT* replace private health insurers. A centerpiece of her plan is that if you are already covered by a private insurer that you're satisfied with, you can keep your current insurance policy. That's necessary because *ANY* national health insurance plan with cost controls that replaces the private insurers will cause some current policyholders with generous plans to have to accept fewer benefits from the national plan. Those of us who have better than average benefit packages from our current plans would have to accept an average benefits package from the national plan. That's what killed national health insurance the last time. Back in 1993, I confronted spokespersons for Hillary's old plan. I asked them flat out if those of us who already have generous plans from our employer will not see *ANY* reduction in our benefits package with the national plan. They couldn't guarantee that, and the plan died in Congress.  SignatureSteven L. Email: sdlitvin@earthlinkNOSPAM.net Remove the NOSPAM before replying to me. > >> Health Insurance is a bad deal for many people because of mainly one thing. > >> [quoted text clipped - 44 lines] > packages from our current plans would have to accept an average benefits > package from the national plan. What if they could get a credit to opt out of a national plan? > That's what killed national health insurance the last time. Back in > 1993, I confronted spokespersons for Hillary's old plan. I asked them > flat out if those of us who already have generous plans from our > employer will not see *ANY* reduction in our benefits package with the > national plan. They couldn't guarantee that, and the plan died in Congress. > There is a great need for national health insurance. Hillory Clinton > originally tried to get this enacted during her husband's first term [quoted text clipped - 3 lines] > employed again insead of facing the doom of a medical emergency > causing bankruptcy. Great point. > There is a great need for national health insurance. Hillory Clinton > originally tried to get this enacted during her husband's first term [quoted text clipped - 3 lines] > employed again insead of facing the doom of a medical emergency > causing bankruptcy. There's already a safety net for folks on SSDI to take a chance on employment; if one is well enough to work, there's no reason not to. http://www.socialsecurity.gov/redbook/eng/ssdisupports.htm Susan > x-no-archive: yes > [quoted text clipped - 12 lines] > > Susan I am aware of the safety net. It is not good enough. It provides that you can go to work and still receive SSDI benefits for one year. I have anxiety/depression and respiratory problems. These things don't just go away. Due to inappropriate advice from my counselor at state rehab, I unfortunatly squandered most of my year by accepting a temp position. Many people are not willing to take the risk of returning to work and loose their government guaranteed health insurance. > I am aware of the safety net. It is not good enough. It provides > that you can go to work and still receive SSDI benefits for one year. It actually provides an actual safety net for a much longer period, with automatic re enrollment for up to five years, I think the citations say. And Medicare eligibility is preserved. > I have anxiety/depression and respiratory problems. These things > don't just go away. Due to inappropriate advice from my counselor at > state rehab, I unfortunatly squandered most of my year by accepting a > temp position. Many people are not willing to take the risk of > returning to work and loose their government guaranteed health > insurance. Did you read the information I posted? Unsuccessful work attempts are not counted against the trial work period, if I read it correctly. If you have anxiety and depression along with respiratory probs, is there any chance that you're also experiencing psych and physical probs from adrenal suppressive inhaled steroids? When I'm experiencing adrenal suppression, it makes me anxious and jittery as well as sleepless. I know a lot about the fear of losing benefits, I worked with disabled folks for many years, and I have been on SSDI for years myself, though I'm fortunate enough to be covered by my husband's insurance now, we were dependent upon my benefits when I was working, and my income back then, to some degree. Susan
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