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#398970 - 04/13/10 03:39 PM Re: Health Insurance - Really a Good Thing? [Re: cyberbud]  
Joined: Apr 2008
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star Offline
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star  Offline
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Posts: 57
I remember learning in Civics when I was a freshman in High school(1964) that insurance was originally a pool of money for people who joined to use as it was needed, as mentioned by a post about a family pooling money. That was the original intent. Then insurance became a business and profits became the motivation for driving up premiums. It seems to me that the original intent of many attempted overhauls of our system is to get back to that, which would drive premiums down. Since this bill had to be so watered down to get passed, the idea to not make it mandatory till 2014 may be to begin to get costs and premiums down in order to make it affordable. I heard on the news this morning that the Mass. courts upheld the regulatory board in not allowing insurance companies to raise premiums this year. So this is a start of some control.
The argument that home owners insurance and auto insurance are mandatory by law seems to be something that the people protesting this mandatory "socialist" movement seem to have overlooked!


"The world is so full of a number of things, it's a wonder we're all not as happy as king's!"
#399084 - 04/15/10 02:57 AM Re: Health Insurance - Really a Good Thing? [Re: star]  
Joined: Feb 2008
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cyberbud Offline
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cyberbud  Offline
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Joined: Feb 2008
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Naperville, Illinois
Yes sometimes government regulation is a good thing! Look what happened, from a consumer viewpoint, when AT&T was broken up, the airline industry was deregulated, the banking industry deregulated.

Not always, but sometimes government regulation is a good thing...spoken like someone whose major in college was Public Administration! :-) Guilty as charged!

Cheers!

Kathy


"Many have forgotten this truth...You remain responsible, forever, for what you have tamed."
#399484 - 04/23/10 09:28 PM Re: Health Insurance - Really a Good Thing? [Re: cyberbud]  
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Niki Offline
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Niki  Offline
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Joined: Dec 2005
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New York
I have mixed feelings about this whole health care thing really. I haven't been able to have a good opinion on it yet. For one, my whole family and extended connections are conservative right-wing Republicans so all I ever hear about is how stupid the health care bill is and why. So it's hard to think straight.

My biggest problem is with being forced to have it and paying for it.

My problem with health care NOW is that either you're poor and get it free, or you're just above the "poverty line" and can't afford it! There's a huge gap between the poverty line and the next step. As a college kid with a husband, I dance around this line. Last year I had FHP, the free insurance provided here in NYC. When I moved out, shortly, I was supposed to be transfered to the current county's insurance and didn't until it expired and I was left, again, uninsured. I couldn't reapply because I was making too much money, but not enough to afford insurance.

Medical bills cripple this country. With our free insurance, my husband needed emergency surgery. He was in the hospital for almost 3 weeks and came out unable to work for 3 months. We were crippled. I wasn't working then and focusing on my schooling. I was forced to work because we were drying up our savings fast. Even though the insurance covered the bill.. which is a miracle and a blessing, the insurance refused to pay one portion of the bill. Why? I have no clue. But this bill totaled 1.5k!! That's a lot of money to college kids!! frown

Yet insurances pull that all the time. To people who can not afford it. It cripples people financially. Besides that 1.5k bill, there was another 1.5k on my credit report that I had NO IDEA was being charged to me! All for a blood transfusion I desparately needed during the first year of our marriage. Now I have a ruined credit report/score, and between me and my husband, we owe 3k in misc. medical bills.

So my beef is, if they want to fix anything, FIX THAT! If you're going to cover "all," cover all! The sliding scale isn't such a sliding scale in this country.

Another beef, get rid of malpractice insurance. Get rid of peoples' ability to so easily sue doctors! Prices would drop exponentially.

Actually, come to think of it, I have a lot of problems. A lot of problems this bill isn't fixing. And I'm one who totally believes in the body's ability to maintain health via placebo effect positive emotions and all that, but things happen.

#399509 - 04/24/10 09:40 AM Re: Health Insurance - Really a Good Thing? [Re: Niki]  
Joined: Dec 2005
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janimal Offline
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bude , cornwall
there is something the uk and usa have in common. if only about 10-20% of the military budget was diverted into healthcare we'd probably be doing eye transplants for day patients by now.

one brief look at defence budgets and all the semantics about cost fall flat.


It's All got to go!!!

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#399559 - 04/24/10 09:55 PM Re: Health Insurance - Really a Good Thing? [Re: janimal]  
Joined: Jul 2008
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jilly Offline
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Joined: Jul 2008
Posts: 1,766
Asheville, NC
I am looking into ways to get around not having health insurance. For one thing, I have a clinic where you only pay $50 if you have no insurance. So i do that and it's a good thing. I also have free access to woman's care like pap tests and mammograms.

Then, I have a membership with a prescription 'club' with CVS pharmacy, and for $10 a year i get super duper cheap meds. For example, three months of prozac cost me only $9. Instead of the $45 it would have been. The club also includes certain free clinic things like testings and shots.


As far as very large health problems...at that point I would fall under medicaid i guess, since I am below the poverty line.

I am still looking for other options. For dentist and eyeglass stuff, i just pay out of pocket.

I am next looking into the tax free health care accounts - does anyone use these?



Jilly
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#399634 - 04/25/10 03:57 AM Re: Health Insurance - Really a Good Thing? [Re: jilly]  
Joined: Apr 2008
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star Offline
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star  Offline
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Why, why, why Niki do people like you and my daughter have to suffer for health care?? The bill, that so many wanted, was so shot down that you cannot be helped, but we have a start that maybe in a few years can be revived to help more people. I was at my mother-in-law's funeral today and still heard so much against people who cannot pay, like it is their fault, they do not try or work hard enough. Where does this attitude come from, will someone please tell me? Where is the love and caring that we all should be feeling for each other? Why do we have this split?????


"The world is so full of a number of things, it's a wonder we're all not as happy as king's!"
#399655 - 04/25/10 10:22 AM Re: Health Insurance - Really a Good Thing? [Re: star]  
Joined: Dec 2005
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janimal Offline
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janimal  Offline
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bude , cornwall
Originally Posted By: star
Why do we have this split?????


because people with money count and people without it don't. and those with the money don't want to part with it for the sake of people who don't count. its one of the basic truths of the human world.

Last edited by janimal; 04/25/10 10:22 AM.

It's All got to go!!!

BudeStrings Music Tuition
#399966 - 04/28/10 02:50 PM Re: Health Insurance - Really a Good Thing? [Re: janimal]  
Joined: Feb 2010
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Mongrel Offline
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Mongrel  Offline
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Midwest USA, The Beeble Belt
You have a very unique gift for writing and putting things in terms that can be easily understood. Most people have such a lingering form of circumstantiality when they try and express themselves, in text, but you seem very clear and concise in most anything you say.

I agree.


"Nowadays, people know the price of everything, and the value of nothing." - Oscar Wilde
#399982 - 04/28/10 07:37 PM Re: Health Insurance - Really a Good Thing? [Re: Mongrel]  
Joined: Dec 2005
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janimal Offline
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bude , cornwall
thanks. no point in beating around the bush. smile


It's All got to go!!!

BudeStrings Music Tuition
#399990 - 04/28/10 09:16 PM Re: Health Insurance - Really a Good Thing? [Re: janimal]  
Joined: Dec 2005
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Niki Offline
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Niki  Offline
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Joined: Dec 2005
Posts: 1,720
New York
My husband and I just got a letter in the mail saying that we have suddenly been included in upstate NY health care. Which is... kinda sad seeing as I applied 7 months ago. It's also kind of scary that I'm approved for the lowest rank, the completely free option. I looked into the requirements for this level of insurance, and we make 2k more than their minimum... so if they find out we're screwed. As far as I know, I don't have to verify my income again until the year marking point.


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