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Falling Short with Current Health Insurance
My apologies for using the word “screwing” to describe the medical insurance industry, but that’s the only word that truly gets the point across. There is only one way they survive. They have to screw over sick people, and a lot of healthy people, too. Without massive deceit and corruption, they cannot make the kinds of profits that say Wall Street investment banks make.
A nice young lady told me today about her friend. She had an accident and the medical bills came to over $50,000. Her health insurer paid $600. Maybe all of us know someone who has been in this position. The number one cause of bankruptcy in the U.S. is medical bills.
There is a policy clause which health insurers use every single time they can. It’s called “recission.” If you have a serious health crisis which is going to cost your insurer a lot of money, they will move hell and earth to find a reason to deny your claim against them. That’s what it is. You are claiming they should pay for what you thought you were buying, but really weren’t. They took your money knowing that if they can, they will give none of it back. If you failed to dot an I or cross a T, if you have a distant family member who had the same disease and you didn’t disclose it, if there is even the slightest, faintest possibility you are “guilty of fraud,” then they will slam the door shut on your coverage. You are screwed.
If you have any kind of medical history at all, you have the choice of either go to work at a job you may hate, keep a job you hate, hold onto a job that may be killing you, or face having no health insurance at all. The only way health insurers can make profits is by insuring healthy people. Sick people cost money. Healthy people get screwed far worse than sick people, all of the time. They have to pay more, whether in higher premiums or for those who have been shut out. Everyone gets screwed by the health insurers.
Eighty percent of Americans, according to recent polls, are happy with the insurance they have. They are not sick, or haven’t gone through the system’s mental, emotional and financial assault process. Yet. They will. Everyone does. Ill health will eventually impact every single one of us. That is when most of America finds out about the gigantic fraud and abuse on the public which is the entire health care system. (In fairness, not all. There are some spectacular success stories, but they are not the ones who are causing the crisis. If they were the norm, we would not be having the debate at all. They are the models of the reform we need and are being denied. Duh.)
Both Republican as well as Democratic voters are in favor of a public health care option. If President Obama ever decides to hold a thirty minute session on what the options are, overwhelmingly Americans will prefer (A) an expansion of Medicare as an option for ALL Americans, and (B) the option to choose to stay with the plan they have, or to take advantage of the public option. The only people against this now is the ones, and ONLY ONES, who benefit now–the Medical Industrial Complex, and the politicians who receive millions in campaign contributions. In any other alternate reality, these campaign contributions would be called bribes, but we don’t live in reality. We live in the United States of America where politicians refuse you the same benefits they receive and are paid handsomely to do so. If life were fair, they would be arrested for corruption, not re-elected.
Republicans have it very good. They are supported by enough Americans to still be somewhat taken seriously, and are completely let off the hook by Democrats. They totally and utterly ignore the 3 out of 4 Americans who want reform and they are not being held accountable.
Perhaps the time is coming when President Obama says this:
“The American People want to include all Americans under the protection of health insurance. Republicans are standing in the way of this. If you, a neighbor, a friend, a cousin, a stranger standing in line with you in Walmart, or the cashier at Walmart who works part time and does not get benefits, if you are one of the 46 million Americans who do not have health insurance, or the tens of millions more who have insurance that costs too much, then it is the Republicans who are keeping you from having it. We want you to see a doctor when you are sick, and sleep well at night knowing your children are safe. Right now, you and they may not be. We want to change that. Republicans do not.
“My fellow Americans, if we are not able to pass health care reform and cover all Americans and bring health care costs down, do not blame Democrats. Do not blame your President. We want to help all Americans to have a choice of health care plans. We want to cover all Americans, and we are willing to pay the price to bring health care costs under control. Unfortunately, we are the only ones. The other side does not.
“I will not sign any legislation which does not include an option for the American people until they have an opportunity to decide the question at the polls.”
A challenge like this would finish all opposition to reform. This is a fight the status quo knows it cannot win. This is the truth and every American who is even slightly knowledgeable knows it. If it does not happen, the blame will fall squarely on the opposition, and they are deluding themselves if they believe they won’t be held accountable. They can get with it now, or pay for it down the road.
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Discuss: Falling Short with Current Health Insurance
- READER COMMENTS
Free, unlimited medical care should be a basic, fundamental right for all Americans, as should large flat-screen televisions, cable, fast internet, haircuts and cell phones. What’s wrong with you @#%$! conservatives?
ROTFLMAO
)))))))))))))))))))))))))))))
THANK YOU…It’s been a tough day,I needed that!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
News flash—-this just in——News flash ——
THE DEMOCRATS CONTROL THE HOUSE of REPRESENTATIVES, THE SENATE and the WHITE HOUSE.
THE DEMOCRATS CAN NOT PUT TOGETHER A HEALTH CARE REFORM (insurance reform) BILL TO GIVE TO THE PRESIDENT.
Every bill that is talked about has strayed from the wants of Mr. President. And at a cost of only a trillion to cover 10 million or so of the 47 million who do not have insurance I do not understand what the hold up is.
Les get this here bill done, take awy rights of choice and pass the darn SINGLE PAYER INSURANCE FOR ALL. Screw or individual rights, lets go with the “BEST FOR SOCIETY” model of MARXISM.
Mr. President,
Please get on the air TODAY and tell us we are now tossing the constitution out, we are going to the “Whats best for Society, man kind and the American people.
I WANT TO BE TOLD BY THE GOVERNMENT WHAT I SHOULD BUY, WHO I BUY IT FROM AND HOW I WILL BE TREATED…….