Particularly: a.) Insurance companies that practice "rescission" in which a person who has paid into the insurance fund is subsquently denied what he has paid for because the insurance company comes up with an arbitrary reason for denying the needed coverage. b.) Rationing. How do you feel about insurance companies who decide if a procedure is in their best interest and deny to someone a life-saving procedure because it isn't profitable to them in the long run? c.) Denials. Someone who works and wants health insurance and does not qualify for state aid because he actually works for a living and pulls his own weight, but can't find a job with benefits (increasingly common, and why are employers expected to foot the bill for insurance as they don't pay for your car insurance or renter's insurance and this limits job mobility and the ability to start small businesses), and is either outright denied or charged more than his monthly salary? d.) Do you think that if rent, clothing and food cost as much as monthly premiums for people with pre-existing conditions, that we would be in serious trouble? e.) How do you feel about people who had the misfortune to be born with a genetic pre-disposition to an illness, i.e., breast cancer, ovarian cancer, Crohn's Disease, Lou Gehrig's Disease, MS, Alzheimer's, haemophilia, etc. f.) Do you think that an emergency room qualifies as part of preventive, ongoing treatment or that it's not cost effective for sick people to wait until they are at the worst stage to get necessary treatment? g.) Can you explain how several nations, in fact the overwhelming majority, that have universal health care have still remained free, capitalist, prosperous nations, i.e., Australia, New Zealand, Ireland, Norway, Luxembourg, Malta, Netherlands, Japan, Israel, Singapore, Austria, Switzerland, Belgium, Finland.....they didn't go communist, and the people do not live in gulag states.
Politics - 15 Answers
Random Answers, Critics, Comments, Opinions :
1 :
none of my questions are posting
2 :
For profit companies that profit on healthy people and try to avoid the cost of covering the sick. Criminal. As for rationing, a necessary evil that Medicare and Medicaid already practice. If a treatment [eg. some cancer drugs provide 6 mo extended life for $65,000 and are considered too costly to provide]. Regardless of who is insuring [single payer, private, etc.] there has to be a line somewhere.
3 :
Let me answer: They would bend over for them and let them rape them until they fall over dead.
4 :
I didn't realize I was going to have to take a test on Y!A today. All so you don't have to spend 35 points asking 7 individual questions. I'm more worried about the government rationing my health care services than the insurance companies. At least I could go to a different insurance company. I have a feeling that once Obamacare is fully in place, I won't have any other option to go to, when my time comes to be rationed. All the competition will have been driven away by the government by then.
5 :
Typical Democratic... attacking the wealthier American businesses and questioning why we are not more like other countries. The founding fathers would slap you across the face.
6 :
they must be good as Obama gained 60% of one
7 :
a) If it complies with their contract, so be it. People need to know what they're signing. b) Again, refer to the contract. It's in there. c) This is perfectly fine. If a company does not want your business, they have the right to deny it to you. If you want to buy my computer and I say no, should I be forced to sell it to you? If they charge him high prices, he agreed to those prices. d) Yes. e) Their parents or private charities can help them. I'm willing to donate, but don't tell me that I am required to pay for them. f) No. g) They also have very high taxes. Some take over 50%. Why should I have to pay higher taxes for a complete stranger? My health insurance is great.
8 :
I don't know what cheap insurance policy you bought, but ours has paid 100% of cancer treatment - minus $35 copays. And we were not denied coverage. Obama had a chance to come up with a bill that would help people with pre existing conditions and reduce health care costs without screwing up coverage for everybody else. He failed to do anything except take control of the inurance industry and raise costs.
9 :
This is how we feel: Insurance companies exist to insure against infrequent catastrophic risks. Their jobs is not to pay routine doctor visits, cause they occur on more or less regular rate and do not constitute risk (but ObamaCare made it mandatory) Their job is to evaluate risk of each individual and name the price accordingly, setting price too low would draw them out of business, and setting price too high will make the deal a loser for the customer (now banned by ObamaCare) There is a value in such sharing risks for a reasonable fee, which insurance companies take as compensation for the valuable service they provide. Now we see that ObamaCare in effect banned the business of insurance in health care, and turned insurance companies into mere tax collection outsourced agents of the government. This is why ObamCare is destined to collapse.
10 :
I have Crohn's and it sucks I also know that ,,, Australia, New Zealand, Ireland, Norway, Luxembourg, Malta, Netherlands, Japan, Israel, Singapore, Austria, Switzerland, Belgium, Finland.... added together have less of a population than the USA try immigrating to working and living in Australia, New Zealand, Ireland, Norway, Luxembourg, Malta, Netherlands, Japan, Israel, Singapore, Austria, Switzerland, Belgium, Finland. ,, , it;s going to take you some time and money,, maybe marry I am trying to point out that trying to compare these countries to a very ethnically diverse and large USA is not a fair comparison
11 :
"Can you explain how several nations, in fact the overwhelming majority, that have universal health care have still remained free, capitalist, prosperous nations" Utter falsehood. Theri citizenry is held back by the enormous taxes they have to pay to prop up their universal health care systems. Indeed, over 80 percent of the major medical discoveries are done in the US.
12 :
A. Most of these recission examples the politicians tell us, they get wrong. The idea is, if you've lied to the insurance company about something relevant, and they catch it later on, you're out of luck. These examples about someone failing to report they have acne and then being knocked off their insurance when they get cancer are almost always found to be false. B. Rationing sucks. It sucks when the health insurance company does it, and it'll suck when the gov't does it. C. Denials. Do you know what organization denies the most claims? It's Medicare. Why aren't the liberals all up in arms about that? D. There are two issues here. 1. The whole idea of insurance has been distorted for health insurance. Insurance, any insurance, be it auto, flood, homeowners, etc. is to offset risk for incidents that you cannot normally afford. Except health insurance. Health insurance now means they must pay for every tiny expense. Is it any wonder it costs so much? How much would your auto insurance cost if they had to pay for every oil change, maintenance service and minor repair? This also means that market forces have been removed from routine health care. No one asks their doctor how much a visit or procedure will cost, because they don't care. They aren't paying for it. 2. If health care is so expensive, maybe we should have directed our efforts at reducing the cost of actually delivering health care, vs. spreading around who pays for it. E. It sucks. F. Circle back to my response to point D G. Yes, I can explain it. They are all tiny countries, population wise, compared to the USA. Gov't is much more responsive in tiny countries. How are the universal health care systems where populations range in the hundreds of millions?
13 :
As long as there is profit involved, death panels are okay. Otherwise you are just helping poor people live longer lives and we all know that is unAmerican. The sooner we are more like Somalia with religious gangs running the country for profit, the better off we'll all be.
14 :
Nobody feels a kinship with insurance companies. You will be dealing with the same insurance companies except they are now going to be subsidized and they must stop refusing people with existing conditions and they must pay an endless amount. A panel appointed by the president will make the rules of what is covered and what isn't. There will be a computer program telling doctors the treatments that are permitted. Keep in mind that Medicare and Medicaid deny more claims than any other insurance. Look it up. You are under the misconception that when people don't want the government to control health care, its because they like insurance companies. Do you realize how stupid that sounds?
15 :
I am concerned over many of their practices as you have detailed above but I also realize that they are for-profit private enterprises and that they have a right to refuse service to anyone in an effort to make an actual profit. If you wish to oppose these practices then the answer would be to do so by providing motivation for health care providers to reduce costs and for health care consumers to become more involved in the process, not the other way around. More freedom is needed, not less. BTW. . . I am exactly the kind of person you describe in c). above. As such I think I probably can speak to your concerns with more experience and legitimacy than most. I am also a small business owner and health care issues have in no way limited my ability to start and succeed in business. I have resolved this issue by standing on my own two feet and researching options for myself and my family.The result is instead of demanding that my fellow citizens pay for my health care needs I am a member of a voluntary, non-profit needs sharing health care plan that covers all my families catastrophic and testing needs. It works by each person donating a set amount per month to cover the needs of fellow members when they occur. In turn I receive assistance when I need it. I have had several very expensive needs occur in the last decade and never paid a cent out of pocket that was not fully reimbursed in time. In fact. . . payment is received on the average within three to four months. . . about half the time that it takes for your provider to be paid via traditional insurance. The plan also teaches participants how to negotiate discounts since we are essentially a non-profit, self-pay organization. It also encourages health care consumers to economize and choose carefully the services they consume which keeps costs down. I don't run my child to the emergency room every time she has the flu to get antibiotics which are only going to do harm anyway. . . unlike a lot of "fully insured" moms I know . We do it the old fashioned way. . . take vitamin C, drink lots of fluids and get some rest. As a result we get a lot fewer colds than most families and we're generally more resistant to colds and flu because we haven't ruined our immune systems.Go figure. On the other hand, I am never pressured to scrimp on testing and services that are legitimate. It works beautifully and will most likely become illegal under Obamacare. BTW. . . if you are thinking all this must cost a fortune, you would wrong. My family of three is covered through this plan at a rate of $225.00 per month. In addition we have complete control over our health care decisions and which Doctor we consult with. True. . . we have to pay for regular check-ups out of pocket and we have a large deductible of $1,000 per year per person. But. . . that deductible can be done away with as we negotiate discounts. In other words, if I convince my hospital and surgeon to each deduct $500.00 off my bill, that counts toward my deductible and I no longer have to cover the first $1,000.! Very motivating. Funny how that works: Reward people for hard work and being involved with their own health care and they will work hard to save money. Reward providers with instant payment and not having to jump through a million paperwork snafus and they'll reward you with discounts. It's called freedom. Soon to be illegal in the United States of America. Finally. . . in answer to your question contained in g).: I can explain this because the health care programs of those countries where not brokered in back rooms between a corrupt liberal agenda and the very health insurance interests you detest so much. Nonetheless, they still cost their citizenry in huge tax burdens that limit their freedoms and make them more dependent on their government. That's the best you can expect from the best national programs. If you think Obamacare looks anything like say for example, Israel's national health care program, you'd be sadly mistaken. What we are going to get is twice the cost and limitations on freedoms with none or few of the benefits that these programs provide their people. . . even if they are exorbitantly expensive. And who is going to benefit the most. . . the very insurance industry players you hate so much. Can't wait, can you?
