| 1 year ago :: Mar 31, 2012 - 10:23AM #31 | |
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Jasr, my thanks to you for actually understanding what I was trying to explain about the young adults. YES, continuous coverage is extremely important: if your 'good' coverage lapses for 63 days, then whatever 'good' plan you get into aftrer that, you pay full premiums but can ONLY get coverage for EMERGENCY services for something like 6 months. I found that out after we were bounced from 'good' health insurance to lousy on about 2 weeks' notice from the 'employer'....Fortunately on day #61, husband had signed with a new employer and we got 'continuous' coverage.
As for fighting with the insurance company, CIGNA cancelled every appointment we made for more than a month out while we were on COBRA coverage - even though our premiums were paid for six months in advance! Then they denied our claim for son's hospitalizations at Children's in Boston (which alone should tell you the kid was very very sick) - withOUT giving any reason. I had to fight each line separately, and on a total bill of $50,000 or so that's a lot of lines...... We had collection agencies sicced on us (that's not supposed to happen, but IT DID), and it took over 6 months before they finally deigned to pay. I don't really think other insurance companies are much better - but we NEVER had any argument from either Fallon HMO or Harvard about any of my husband's angioplasties. I don't know if there are any nonprofit groups which advocate for people whose health insurance claims have been denied - but that's an idea whose time has long since come. I'd volunteer to make phone calls: I got a lot of experience those six months!
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| 1 year ago :: Mar 31, 2012 - 10:25AM #32 | |
Ari I disagree with some of that. Yes, pool size matters. But the number of players wanting access to that pool is more important. But going to a one size fits all health care plan you are forced to "make it fit" and if it doesnt fit all (which any socialist health care program demonstrates), oh well. Once you go to the osfa approach, that is where you are. Lets say it costs 1.5 trillion to put that in place (and now, according to the CBO that is obamacare's tag), that is where you are. The health care you are getting once in place is it. You can add nothing without raising taxes. You can give no more without raising taxes. Doctros and nurses can get no pay increases or access to new technologies without raising taxes, you can build no new facilities without raising taxes, or cutting health care services. This is what will happen. Eventually, grandma takes the blue pill. This is no secret, obama said it himself. Govt needs to get out and then totally (Medicare) out of health care. Make the companies fight for their share of the pool, for the individual premium dollar.
Any man can count the seeds in an apple....
.......but only God can count the apples in the seeds. |
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| 1 year ago :: Mar 31, 2012 - 10:26AM #33 | |
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| 1 year ago :: Mar 31, 2012 - 11:08AM #34 | |
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Govt needs to get out and then totally (Medicare) out of health care. Make the companies fight for their share of the pool, for the individual premium dollar And you think this will drive costs down? Keep dreaming. The healthcare industry is a maffia that needs strong regulation, like any industry that provides basic needs. There is no such thing as competition in the healthcare industry. They even keep down any attempt at alternative medicine. |
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| 1 year ago :: Mar 31, 2012 - 11:25AM #35 | |
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In January my retired father and mother changed from one medicare supplemental insurance to another. Yesterday he got out of rehab after having had a stroke. Apparently his new insurance will cover it all--probably well over $200K. With the previous coverage they would have paid a lot. Between IRAs, pension and stocks. they have over a million dollars, but it would have still made a dent. Now, assume someone who worked as a housekeeper their entire life and didn't have as much as my parents. How would they have covered that? Why do we have to be so selfish? Why can't we share with those who need help?
I know you believe you understand what you think I said, but I am not sure you realize what you heard was not what I meant...
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| 1 year ago :: Mar 31, 2012 - 12:26PM #36 | |
Well, wow.
Any man can count the seeds in an apple....
.......but only God can count the apples in the seeds. |
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| 1 year ago :: Mar 31, 2012 - 12:33PM #37 | |
QTFAnd I would add funerals are cheaper than dialysis. So a PRIVATE company would rather pay for . . . a blue pill.
The World is divided into armed camps ready to commit genocide just because we can't agree on whose fairy tales to believe.
The belief in supernatural religion will kill us all if we don't outgrow it. When I first read "End of Faith" I thought Sam went too far. The more I read and listen to these "believers" the more I wonder if maybe he wasn't right after all. |
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| 1 year ago :: Mar 31, 2012 - 3:31PM #38 | |
Well, right now we know...... obama said older people might have to take the blue pill. Private insurance companies are contractually bound. Until they come under ACA, and they do.
Any man can count the seeds in an apple....
.......but only God can count the apples in the seeds. |
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| 1 year ago :: Mar 31, 2012 - 6:07PM #39 | |
See this is the kind of nonsesne that is so-o-o infuriating. So they are "contractually bound." So wh-a-a-t? They don't care nor should they. And in any case what good is it? While you are trying to enforce the contract your SICK. You might even win - so wh-a-a-at? Your dead. And even if you do win and are still alive what do you win? They go bankrupt today and open up tomorrow under another name and fleece some more suckers.
The World is divided into armed camps ready to commit genocide just because we can't agree on whose fairy tales to believe.
The belief in supernatural religion will kill us all if we don't outgrow it. When I first read "End of Faith" I thought Sam went too far. The more I read and listen to these "believers" the more I wonder if maybe he wasn't right after all. |
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| 1 year ago :: Apr 01, 2012 - 12:03AM #40 | |
Why?
and for further clarification I am not protecting Obama and blaming Bush. The entire political process is nothing more than a boondoggle and pay for play. Not only has it been going on for a long time but has achieved epic levels and will get worse with each succeeding presidency.
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