Night Strike wrote:PLAYER57832 wrote:Night Strike wrote:PLAYER57832 wrote:Recent time you speak of, only. The REAL story is that as long as we allow Blue Cross and Blue shield, plus a few others to dictate insurance in our country, health care costs will never be controlled. It just is not in their interest.
The "few others" being the state and federal governments that make people pay for options that they would never even use, usually because the procedure/disease is sex-specific, under the guise of "minimum requirements".
Drop those fake requirements and allow companies to sell the policies people want across state lines and prices will fall.
Yes, pregnancy is sex-specific. However, covering women is not why the cost of healthcare is so high.
Colonoscopies, ovarian cancer, prostate cancer, etc. are all sex-linked issues that obviously members of the other sex shouldn't have to pay for. If a man has his tubes tied or a woman has her eggs removed, then they shouldn't be forced to pay for pregnancy coverage, etc. Policies need to adapt to the people buying them and not one bill fits all as is currently forced upon providers.
You clearly don't get the idea behind insurance. Costs are spread out among many players so that each individual, when they actually need it, does not have to pay the full amount. It is not a per year, per person savings plan.
I actually agree here, though you have your reasons backwards. AND, you have the guilty party backwards as well.Night Strike wrote:You're right, that's why we have to do things like cut the amount of frivolous lawsuits that cause doctors to run every test under the sun just to avoid being sued. The costs for procedures have increased, which is why the doctors should be allowed to run only necessary procedures and not all possible ones.PLAYER57832 wrote:The cost of healthcare is high because we have, in the course of about 50 years, gone from a time when even things like appendectomies were pretty serious to a time when heart transplants are almost routine, when advanced brain surgary and non-invasive testing is possible. And, too many people want all that care without facing any responsibility for real and true limits based on evidence (as opposed to some moral judgements pretended to be about fiscal responsibility).
Night Strike wrote:PLAYER57832 wrote:Health care INSURANCE, however, is out of hand because the primary purchasers are employers and they do not use the insurance, along with a heavy desire for .. yep, you guessed it, profit. This has been less noticeable to many people up until recently because the actual healthcare available has increased so much. It is only now, when so many, many people finally realize that they have been paying for what they thought was insurance, but which they find really fails when they actually need it... or when they lose their jobs or ... any other excuse the companies can use to get rid of all but the healthy. Now, so many people KNOW they are not covered or are realizing that the coverage they have is minimal.. folks ahve been crying for change.
Why should a company provide something for free? I guess no more car insurance, fire insurance, flood insurance, life insurance, etc. Make everyone pay for everything out of pocket and those 2-3% profit rates for insurance companies won't be so bad. Insurance companies found a need in the market and have fulfilled that need. You're just upset that they are successful.
Again, you don't get the concept of insurance. But, a lot of people have tried.. you just refuse to even do research, check on whether your "ideas" are accurate.
health care coverage is one of those things that simply does not belong in the profit environment. It just doesn't.
[/quote]Night Strike wrote:PLAYER57832 wrote:Night Strike wrote:Drop those fake requirements and allow companies to sell the policies people want across state lines and prices will fall.
I see, it worked so well for credit card companies, now didn't it???? .. OOOPS NO!! It did not!
You mean how credit card companies were vilified simply because their clients were too stupid to read the fine print and missed payments?? Sounds those companies really are the ones at fault.![]()
No, I mean how I am old enough to remember getting a card that had a true, FIXED rate interest rate and suddenly, POOF, they all were switched out from under us to something they called "fixed", but which was really variable.. that AND increases in interest, etc.
Oh, and per your "too stupid" comment, a couple reporters too those to the Harvard MBA classes and guess what.. most of THEM could not really explain it! I can, but most people cannot.
Night Strike wrote:By the way, you don't have to use a credit card
The POINT is that when the cards were actually regulated by individual states instead of all being located in Delaware or wherever currently gives them the best deal, people could read their statements, got set rates that had real limits, etc. The companies did not offer them to everyone, but those who qualified knew what they were getting.
When it went "interstate", it did not lower rates, but made things great for the credit companies and not for us. That is exactly what will happen with insurance, not your "pie in the sky" idea of better serving the consumers and offering lower costs.
[/quote]Night Strike wrote:just like you don't have to buy insurance (well, until the government butts their ugly head into the situation).
when you have the real and true "option" of refusing medical care when you are in serious pain or even unconscious after an accident, then you will have the option of not buying insurance. Else.. you are asking everyone else to fund your future injuries. Insurance is not something you can wait to buy until you need it, unless it will be even more expensive than it is now.