kuzi16: phobicsquirrel:just don't tell me that there are real choices out there There are five million (5,000,000) legitimately operating health professionals in the United States. Over two dozen categories of US health professions, representing over two million of the five million, are allowed by law, to bill directly for their services. Link
phobicsquirrel:just don't tell me that there are real choices out there
phobicsquirrel: kuzi16: phobicsquirrel:just don't tell me that there are real choices out there There are five million (5,000,000) legitimately operating health professionals in the United States. Over two dozen categories of US health professions, representing over two million of the five million, are allowed by law, to bill directly for their services. Link Sure there a lot of them out there, though what good is it if someone got denied coverage, or lost their job, or had an illness or something that put them in the category of "pre-existing", their choice is to get something that is very expensive and offers little coverage. That's not really a choice. If strong regulations were put in place to make health insurance more like car insurance then there would be a world of difference. http://energycommerce.house.gov/Press_111/health_care/hr3962_SUMMARY.pdf is a summery of the house bill. But premiums that keep going up year after year while offering less if no the same coverage isn't how it should be.
PuroFreak: phobicsquirrel: kuzi16: phobicsquirrel:just don't tell me that there are real choices out there There are five million (5,000,000) legitimately operating health professionals in the United States. Over two dozen categories of US health professions, representing over two million of the five million, are allowed by law, to bill directly for their services. Link Sure there a lot of them out there, though what good is it if someone got denied coverage, or lost their job, or had an illness or something that put them in the category of "pre-existing", their choice is to get something that is very expensive and offers little coverage. That's not really a choice. If strong regulations were put in place to make health insurance more like car insurance then there would be a world of difference. http://energycommerce.house.gov/Press_111/health_care/hr3962_SUMMARY.pdf is a summery of the house bill. But premiums that keep going up year after year while offering less if no the same coverage isn't how it should be.Wow... you are right Phobic... Just no choices for insurance companies out there... Aetna, American Association of Retired Persons, American Family Insurance, American National Insurance Company, Anthem Blue Cross and Blue Shield, Assurant, Blue Cross and Blue Shield Association, Cigna, EmblemHealth, Fortis, Golden Rule Insurance Company, Group Health Cooperative, Health Net, HealthMarkets, Humana Inc., Independence Blue Cross, Independent Health, Intermountain Health Care, Kaiser Permanente, LifeWise Health Plan of Oregon, Medical Mutual of Ohio, Premera, Principal Financial Group, Regence Group, Scott & White, Shelter Insurance Companies, Thrivent Financial for Lutherans, UnitedHealth Group, Unitrin, and Wellpoint And that was just what I came up with in about 2 minutes searching...
phobicsquirrel: PuroFreak: phobicsquirrel: kuzi16: phobicsquirrel:just don't tell me that there are real choices out there There are five million (5,000,000) legitimately operating health professionals in the United States. Over two dozen categories of US health professions, representing over two million of the five million, are allowed by law, to bill directly for their services. Link Sure there a lot of them out there, though what good is it if someone got denied coverage, or lost their job, or had an illness or something that put them in the category of "pre-existing", their choice is to get something that is very expensive and offers little coverage. That's not really a choice. If strong regulations were put in place to make health insurance more like car insurance then there would be a world of difference. http://energycommerce.house.gov/Press_111/health_care/hr3962_SUMMARY.pdf is a summery of the house bill. But premiums that keep going up year after year while offering less if no the same coverage isn't how it should be.Wow... you are right Phobic... Just no choices for insurance companies out there... Aetna, American Association of Retired Persons, American Family Insurance, American National Insurance Company, Anthem Blue Cross and Blue Shield, Assurant, Blue Cross and Blue Shield Association, Cigna, EmblemHealth, Fortis, Golden Rule Insurance Company, Group Health Cooperative, Health Net, HealthMarkets, Humana Inc., Independence Blue Cross, Independent Health, Intermountain Health Care, Kaiser Permanente, LifeWise Health Plan of Oregon, Medical Mutual of Ohio, Premera, Principal Financial Group, Regence Group, Scott & White, Shelter Insurance Companies, Thrivent Financial for Lutherans, UnitedHealth Group, Unitrin, and Wellpoint And that was just what I came up with in about 2 minutes searching... Your missing my point smart a*s! Sure there are a lot of companies out there, many have their parent group but that means bupkis. I never said that there weren't companies out there, I said there are no real choices. If you have a job your employer most likely pays for it or at least most of it. Then great your set, though a lot of them don't have great plans unless your lucky. If they do offer insurance, and a lot of places don't especially in retail or lower income jobs and if they do the coverage sucks. If your employment does not offer it you could get some but it's really expensive and does someone who makes 7.50 or 8.50 an hour really going to afford that? And say they do find a place that isn't hella-expensive I bet the deductible is high and offers bad coverage. And that's if the person is able to get it. People are and have been treated like commodities. Your just not getting what I'm saying dude.
kuzi16: phobicsquirrel: PuroFreak: phobicsquirrel: kuzi16: phobicsquirrel:just don't tell me that there are real choices out there There are five million (5,000,000) legitimately operating health professionals in the United States. Over two dozen categories of US health professions, representing over two million of the five million, are allowed by law, to bill directly for their services. Link Sure there a lot of them out there, though what good is it if someone got denied coverage, or lost their job, or had an illness or something that put them in the category of "pre-existing", their choice is to get something that is very expensive and offers little coverage. That's not really a choice. If strong regulations were put in place to make health insurance more like car insurance then there would be a world of difference. http://energycommerce.house.gov/Press_111/health_care/hr3962_SUMMARY.pdf is a summery of the house bill. But premiums that keep going up year after year while offering less if no the same coverage isn't how it should be.Wow... you are right Phobic... Just no choices for insurance companies out there... Aetna, American Association of Retired Persons, American Family Insurance, American National Insurance Company, Anthem Blue Cross and Blue Shield, Assurant, Blue Cross and Blue Shield Association, Cigna, EmblemHealth, Fortis, Golden Rule Insurance Company, Group Health Cooperative, Health Net, HealthMarkets, Humana Inc., Independence Blue Cross, Independent Health, Intermountain Health Care, Kaiser Permanente, LifeWise Health Plan of Oregon, Medical Mutual of Ohio, Premera, Principal Financial Group, Regence Group, Scott & White, Shelter Insurance Companies, Thrivent Financial for Lutherans, UnitedHealth Group, Unitrin, and Wellpoint And that was just what I came up with in about 2 minutes searching... Your missing my point smart a*s! Sure there are a lot of companies out there, many have their parent group but that means bupkis. I never said that there weren't companies out there, I said there are no real choices. If you have a job your employer most likely pays for it or at least most of it. Then great your set, though a lot of them don't have great plans unless your lucky. If they do offer insurance, and a lot of places don't especially in retail or lower income jobs and if they do the coverage sucks. If your employment does not offer it you could get some but it's really expensive and does someone who makes 7.50 or 8.50 an hour really going to afford that? And say they do find a place that isn't hella-expensive I bet the deductible is high and offers bad coverage. And that's if the person is able to get it. People are and have been treated like commodities. Your just not getting what I'm saying dude.and once the government takes over there will only be one choice. link cant even pay out of pocket if you want, or get loans, or seek charity, or many other options that actually exist today.
PuroFreak: kuzi16: phobicsquirrel: PuroFreak: phobicsquirrel: kuzi16: phobicsquirrel:just don't tell me that there are real choices out there There are five million (5,000,000) legitimately operating health professionals in the United States. Over two dozen categories of US health professions, representing over two million of the five million, are allowed by law, to bill directly for their services. Link Sure there a lot of them out there, though what good is it if someone got denied coverage, or lost their job, or had an illness or something that put them in the category of "pre-existing", their choice is to get something that is very expensive and offers little coverage. That's not really a choice. If strong regulations were put in place to make health insurance more like car insurance then there would be a world of difference. http://energycommerce.house.gov/Press_111/health_care/hr3962_SUMMARY.pdf is a summery of the house bill. But premiums that keep going up year after year while offering less if no the same coverage isn't how it should be.Wow... you are right Phobic... Just no choices for insurance companies out there... Aetna, American Association of Retired Persons, American Family Insurance, American National Insurance Company, Anthem Blue Cross and Blue Shield, Assurant, Blue Cross and Blue Shield Association, Cigna, EmblemHealth, Fortis, Golden Rule Insurance Company, Group Health Cooperative, Health Net, HealthMarkets, Humana Inc., Independence Blue Cross, Independent Health, Intermountain Health Care, Kaiser Permanente, LifeWise Health Plan of Oregon, Medical Mutual of Ohio, Premera, Principal Financial Group, Regence Group, Scott & White, Shelter Insurance Companies, Thrivent Financial for Lutherans, UnitedHealth Group, Unitrin, and Wellpoint And that was just what I came up with in about 2 minutes searching... Your missing my point smart a*s! Sure there are a lot of companies out there, many have their parent group but that means bupkis. I never said that there weren't companies out there, I said there are no real choices. If you have a job your employer most likely pays for it or at least most of it. Then great your set, though a lot of them don't have great plans unless your lucky. If they do offer insurance, and a lot of places don't especially in retail or lower income jobs and if they do the coverage sucks. If your employment does not offer it you could get some but it's really expensive and does someone who makes 7.50 or 8.50 an hour really going to afford that? And say they do find a place that isn't hella-expensive I bet the deductible is high and offers bad coverage. And that's if the person is able to get it. People are and have been treated like commodities. Your just not getting what I'm saying dude.and once the government takes over there will only be one choice. link cant even pay out of pocket if you want, or get loans, or seek charity, or many other options that actually exist today. Damn you Kuzi! You beat me to my next point. Phobic, your entire arguement in your last post was that there is not enough competition... Now wait that sounds like a free market system? OMG that can't be right... But when the government takes over you will have 0 options... NONE. That is not freedom and that is not what I want for me and my family.
phobicsquirrel: PuroFreak: kuzi16: phobicsquirrel: PuroFreak: phobicsquirrel: kuzi16: phobicsquirrel:just don't tell me that there are real choices out there There are five million (5,000,000) legitimately operating health professionals in the United States. Over two dozen categories of US health professions, representing over two million of the five million, are allowed by law, to bill directly for their services. Link Sure there a lot of them out there, though what good is it if someone got denied coverage, or lost their job, or had an illness or something that put them in the category of "pre-existing", their choice is to get something that is very expensive and offers little coverage. That's not really a choice. If strong regulations were put in place to make health insurance more like car insurance then there would be a world of difference. http://energycommerce.house.gov/Press_111/health_care/hr3962_SUMMARY.pdf is a summery of the house bill. But premiums that keep going up year after year while offering less if no the same coverage isn't how it should be.Wow... you are right Phobic... Just no choices for insurance companies out there... Aetna, American Association of Retired Persons, American Family Insurance, American National Insurance Company, Anthem Blue Cross and Blue Shield, Assurant, Blue Cross and Blue Shield Association, Cigna, EmblemHealth, Fortis, Golden Rule Insurance Company, Group Health Cooperative, Health Net, HealthMarkets, Humana Inc., Independence Blue Cross, Independent Health, Intermountain Health Care, Kaiser Permanente, LifeWise Health Plan of Oregon, Medical Mutual of Ohio, Premera, Principal Financial Group, Regence Group, Scott & White, Shelter Insurance Companies, Thrivent Financial for Lutherans, UnitedHealth Group, Unitrin, and Wellpoint And that was just what I came up with in about 2 minutes searching... Your missing my point smart a*s! Sure there are a lot of companies out there, many have their parent group but that means bupkis. I never said that there weren't companies out there, I said there are no real choices. If you have a job your employer most likely pays for it or at least most of it. Then great your set, though a lot of them don't have great plans unless your lucky. If they do offer insurance, and a lot of places don't especially in retail or lower income jobs and if they do the coverage sucks. If your employment does not offer it you could get some but it's really expensive and does someone who makes 7.50 or 8.50 an hour really going to afford that? And say they do find a place that isn't hella-expensive I bet the deductible is high and offers bad coverage. And that's if the person is able to get it. People are and have been treated like commodities. Your just not getting what I'm saying dude.and once the government takes over there will only be one choice. link cant even pay out of pocket if you want, or get loans, or seek charity, or many other options that actually exist today. Damn you Kuzi! You beat me to my next point. Phobic, your entire arguement in your last post was that there is not enough competition... Now wait that sounds like a free market system? OMG that can't be right... But when the government takes over you will have 0 options... NONE. That is not freedom and that is not what I want for me and my family. Oh My Lord... really this dense? The current bill is not for government control over health care, it is to put regulations over insurance companies and offer a public insurance company set up by the government for people choose alongside the private.
kuzi16:Politicians are already one of the main reasons why medical insurance is so expensive. Insurance is designed to cover risks but politicians are in the business of distributing largesse. Nothing is easier for politicians than to mandate things that insurance companies must cover, without the slightest regard for how such additional coverage will raise the cost of insurance. If insurance covered only those things that most people are most concerned about-- the high cost of a major medical expense-- the price would be much lower than it is today, with politicians piling on mandate after mandate. Since insurance covers risks, there is no reason for it to cover annual checkups, because it is known in advance that annual checkups occur once a year. Automobile insurance does not cover oil changes, much less the purchase of gasoline, since these are regular recurrences, not risks. consider this as an alternative to a government take over of health care.... Make all medical services, insurance and personal savings for such expenses exempt from all federal, state and local income and payroll taxes. Those who complain about the cost of medical care and insurance must be confronted with the fact that if we cannot afford medical care, we surely cannot afford to pay taxes on the money we set aside for itAllow an individual or corporate tax deduction equal to double the value of the service for all charity care by medical care providers. At one time America had a vigorous network of private charity care, which was largely destroyed by the government barging in. We need to restore that environment of private charity, which was more efficient, effective and compassionate.Pass legislation now proposed in the U.S. Congress that would give every individual or business the ability to purchase insurance in a national market, from insurance companies in any state. That would allow for ownership of health insurance that is more affordable and can follow individuals from job to job and state to state. The increased competition between insurance companies would restrain the cost of insurance.Allow the purchase of basic health insurance with high deductibles and low premiums that covers major illness or injury and annual exams, in conjunction with tax-free accounts for out-of-pocket expenses, such as deductibles.Broaden the availability of optional coverage provided by Medicare Advantage, but allow for additional tax-deductible premiums to be paid by those seniors who elect such options. More choices from more options should be available to retirees—but not paid for by taxpayers. This would allow for expanded and more efficient coverage, and reintroduce an element of competition to those who seek to provide health care to seniors.Allow Medicare patients to utilize their Health Savings Accounts to pay for services from their Medicare physicians. This could bring thousands of doctors back into the Medicare program overnight and eliminate the ridiculous and unjust prohibition on those who want to spend their own money on their medical care.and TORT reform. this has been a version of Richard E. Ralston's Seven Simple Rules for Health Care Reform
kuzi16: kuzi16:Politicians are already one of the main reasons why medical insurance is so expensive. Insurance is designed to cover risks but politicians are in the business of distributing largesse. Nothing is easier for politicians than to mandate things that insurance companies must cover, without the slightest regard for how such additional coverage will raise the cost of insurance. If insurance covered only those things that most people are most concerned about-- the high cost of a major medical expense-- the price would be much lower than it is today, with politicians piling on mandate after mandate. Since insurance covers risks, there is no reason for it to cover annual checkups, because it is known in advance that annual checkups occur once a year. Automobile insurance does not cover oil changes, much less the purchase of gasoline, since these are regular recurrences, not risks. consider this as an alternative to a government take over of health care.... Make all medical services, insurance and personal savings for such expenses exempt from all federal, state and local income and payroll taxes. Those who complain about the cost of medical care and insurance must be confronted with the fact that if we cannot afford medical care, we surely cannot afford to pay taxes on the money we set aside for itAllow an individual or corporate tax deduction equal to double the value of the service for all charity care by medical care providers. At one time America had a vigorous network of private charity care, which was largely destroyed by the government barging in. We need to restore that environment of private charity, which was more efficient, effective and compassionate.Pass legislation now proposed in the U.S. Congress that would give every individual or business the ability to purchase insurance in a national market, from insurance companies in any state. That would allow for ownership of health insurance that is more affordable and can follow individuals from job to job and state to state. The increased competition between insurance companies would restrain the cost of insurance.Allow the purchase of basic health insurance with high deductibles and low premiums that covers major illness or injury and annual exams, in conjunction with tax-free accounts for out-of-pocket expenses, such as deductibles.Broaden the availability of optional coverage provided by Medicare Advantage, but allow for additional tax-deductible premiums to be paid by those seniors who elect such options. More choices from more options should be available to retirees—but not paid for by taxpayers. This would allow for expanded and more efficient coverage, and reintroduce an element of competition to those who seek to provide health care to seniors.Allow Medicare patients to utilize their Health Savings Accounts to pay for services from their Medicare physicians. This could bring thousands of doctors back into the Medicare program overnight and eliminate the ridiculous and unjust prohibition on those who want to spend their own money on their medical care.and TORT reform. this has been a version of Richard E. Ralston's Seven Simple Rules for Health Care Reformi see... skip this post then tell me that i dont offer a plan.... well... it worked for the media...
kuzi16:they arent doing anything wrong. what they are doing is raising prices to cover costs that the government creates by mandating they cover stuff.