Rob C wrote: It's not cheap to do this but it is a necessary hurdle to avoid "snake oil."
Rob C wrote:Lastly, no one is talking about taking anyone's insurance away, everyone is talking about covering the uninsured. The proposed improvements to our health care system are very different than the universal health care provided in Canada.
U.S. Department of Labor wrote:The Health Insurance Portability and Accountability Act (HIPAA) provides rights and protections for participants and beneficiaries in group health plans. HIPAA includes protections for coverage under group health plans that limit exclusions for preexisting conditions; prohibit discrimination against employees and dependents based on their health status; and allow a special opportunity to enroll in a new plan to individuals in certain circumstances. HIPAA may also give you a right to purchase individual coverage if you have no group health plan coverage available, and have exhausted COBRA or other continuation coverage.
C L wrote:U.S. worst in preventable death
Take it with a grain of salt of course
LM wrote:I don't have insurance right now. I looked into it, but the price was $600 a month and $2000+ deductible per person. I have a primary care physician. When I am sick, which is rare, I am charged less than the person with insurance. Why? Because I go, I pay, and the paperwork is over.
formerlurker wrote:LM wrote:I don't have insurance right now. I looked into it, but the price was $600 a month and $2000+ deductible per person. I have a primary care physician. When I am sick, which is rare, I am charged less than the person with insurance. Why? Because I go, I pay, and the paperwork is over.
How much would you pay for a year's worth of cancer treatments or physical therapy following an automobile accident? How much would you pay for lifelong services for a disabled loved one?
This BIG problem with our health care system is that we have universal coverage but do not require universal participation in the risk/contribution pool. When you or your child gets sick -- real sick -- you will seek and receive care. You will not pay for it.
You're not alone. Illegals, young earners, and the self employed choose not to buy insurance. The problem is (in my best George Bailey voice) that premiums are not sitting in an account waiting for the insured to get sick. These premiums are treating other people and funding infrastructure.
If everyone was required to buy insurance, the cost per person would go down. If insurance coverage was tiered, people could get basic coverage for a reasonable price. In the worst case, the lowest tier could be subsidized.
Maybe a basic level of service limits ability to seek damages in case of error or puts you in a ward instead of a private room or requires you to go to Walmart for shots, checkups, and minor treatment, or requires you to participate in clinics (mammogram day, vaccinations, hiv screening, prostrate poke, etc.), or sends you to Walmart for $5 prescriptions. Couple this with co payments that affect behavior (high co payment for emergency room visit and elective surgery) and health care becomes less expensive for all.
I don't think health care is a birthright, but I want everyone to have it...and pay for it.
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