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acelticsteve acelticsteve is offline
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acelticsteve fears for the country

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1. To throw people in jail becuse they do not have health insurence makes me think of some thing called the stamp act. it is terriney.
2. there many proublems in helth care that are coused by the insurance Co's. I was talking to a Dr and told him about the few things that I am undercare for. he told me that there severial things that he would have to tract, like six or seven, but under most insurence he could only tract three of them and would have to send me to a spesicalest. DR' often have a hard time getting the Co's to pay up.
3. In most states you can not be refused treatment weather you can pay or not. My brother inlaw had major heart surgy and did not have insurence, he made a paymeny plan with his DR. Most bills if you send them something on it mothly it usally is accepted, they will be hapy to have the money rather then you just leaving it with them.

The thing that bothers me most is the way that the Congressmen handled the home town meetings. This is the same bunch that gave into the protest aganst the Vet Num war, but would not listen to the people who they are elected to serve, not one of them had the currage to tell the leadership "my people don't want it so there fore I must vate aganst it."
- November 13th, 2009, 01:23 am
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Can_I_just_be_Jo Can_I_just_be_Jo is offline
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I don't believe the problem falls on health insurance providers. They, like all businesses, are reacting to market demand. The problem is tax code. Section 106 gives employers the ability to give you pretax health benefits. Good deal for all but most people don't understand that part of their wages are health insurance. More people than not think what they pay into their employer provided health plans is not the total bill. As the cost of health insurance goes up you lose disposable income because it comes out of potential raises.

Employer provided insurance wasn't a problem until the introduction of HMOs. Before HMOs you had what looks a lot like current high deductable health plans. For a family plan each member had a $500 deductable or $2,000 for a family. Because of this most people paid their doctor bills out of pocket. This kept routine visit costs low.

With the HMOs you suddenly had a $20 copay. Great except you had awful coverage and had to jump through hoops to get to specialists. Employees complained so the insurance companies offered for X more you don't have to have authorization. Then for X more you can have a prescription plan. For X more, it just kept growing. All the while employees had no idea how fast the cost was rising.

They also had no idea they were part of the rising costs. If you go to the doctor and have to pay out of pocket you are going to question tests that are expensive and possibly unnecessary. If you pay $20 a visit it is like an all you can eat buffet, you take what you can get for the $20 whether you are hungry or not.

Until we go back to high deductable insurance this will not be fixed we are just shifting the cost.
- November 13th, 2009, 11:13 am
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acelticsteve acelticsteve is offline
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I agree in so far that part of the problem is small compaired to the whole. However every time I try to explain it when I post I get a message that I have to redgester as member in the advice comunity so all my work is lost. so let me make it fast as to who I feel are contrubing to the problem.
1. people who run to the emerencey room over every little sniffel. There are 24 hr pharmeceys. urgent care walk in that are cheeper.
2. people who do not pay there bills.
3. DR's who dubble charge the insurence co's throw them in jail, froud id froud.
4. lawyers who advertize for clinets to sue Dr's and hospitles.
5. Many hospitles were started by churches, and rich people who wanted to give back to there comunitys or to meet a need in the comunity now are tacken over by big busnesses.
6. out sorcesing.
7. buying expencive equitment that one hospitle could never get the use out of but severial would.
8. advertizing.
Look I don't know how it is in St. Louie but it is cold down here in competition, and I have little heat. If you want clearifaction on any of these drop a note on my profile ok.
but I dont see how what is comming out of washington is any better then putting a bandaid on a broken arm.
- December 1st, 2009, 11:09 pm
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