Consumers Ultimately Pay Health Care Bills
People who are clueless believe whatever drivel is dished out on talk shows. Then they spout ignorant opinions as if they really know! Liberals and conservatives scream & shout, both deadly certain their precious ideologies are more important than those who's life or mind hang in the balance. So, first things first ~ this isn't about labels!
Next, use your common sense reasoning to answer a couple of simple questions:
1. Do we enjoy public-funded fire, police, road/bridge maintenance, education, Social Security and Medicare?
2. How did private medical insurance have $168 million to give campaigns in 2008 plus $485 million to lobby Congress last year? In the first 6 months of this year, the health insurance sector alone has paid out over $128 million to lobby Congress. Where did they get that money and what do they expect to get for it?
Insurance is a "paper" industry, but it can't print money! So-called "health" insurance is very profitable! It used to be called medical insurance but now they insure only healthy people if they can get away with it. They exclude coverage for pre-conditions and rescind coverage for any excuse they can find AFTER YEARS OF ACCEPTING PREMIUMS!
Consider a doctor that started his private practice 10 yrs ago. He or she could NOT see a patient until 30 contracts with insurance, networks and HMOs were signed. NONE were negotiable! Only 1 was with Medicare. The COMPANIES DETERMINE: how much can be charged and what is routine service - anything else must be pre-approved. Many decisions are made by non-medical personnel using insurance protocol intended to increase profits to the company and reduce profits for your doctors. Payment can take 3 to 6 mo. after being billed, which makes doctors and hospitals de facto lenders to the insurance companies. Otherwise the companies would pay banks for short-term lines of credit.
If the doctor brings in partners, more employees are needed to handle insurance-related administrative work in order to get reimbursed. Almost 60% of total medical costs are insurance-related administrative costs. The doctors overhead increases, but not their charges to cover it. They must see more patients and do more procedures to make ends meet.
Many doctors feel so squeezed they worry about being neglectful of patients. Patients feel they get shorted, too.
Private doctors are actually a small business providing medical services to patients while also providing jobs and medical insurance for employees at a HUGE premium. That, too, is overhead that must be covered by their charges. CHARGES THAT ARE SET BY THE VERY SAME INSURANCE COMPANIES!!!
Many small businesses have not been able to provide medical insurance any more. Large businesses spend money on resources to find and negotiate new coverage every 2 years. To reduce the costs of insurance, coverage is then reduced by larger co-pays and deductibles.
People spouting off about "socialism" are being manipulated by TV and radio talk shows, paid for by insurance and drug company ads. Such ads are tax deductions so they actually are paid with lost tax revenue as well.
People need to think about insurance company executives with high salaries and bonuses, country club fees, golfing fees, skyboxes and other entertainment perks that are legally deductible marketing expenses - like advertising.
Insurance executives have a vested interest in keeping their golden lifestyles - hence their willingness to pay out well over $780 MILLION to elect and lobby congress in only 18 months - just to derail health care reform legislation. They also handsomely support talk show hosts through ad revenues (again tax deductible).
WE PAY FOR THAT through PREMIUMS and TAXES!!!!
It is WAY past time people get a clue! We are getting manipulated alright - by "health" insurance companies!!
What exactly is "socialistic" about these specific consumer protections that Obama's pushing for? What is so wrong with these being legislated by Congress and enforced by the Obama administration? In my humble opinion, these 8 specific items address only the most egregious infractions by "health" insurance companies.
- No discrimination for pre-existing conditions
- No exorbitant out-of-pocket expenses, deductibles or co-pays
- No cost-sharing for preventive care
- No dropping of coverage if you become seriously ill
- No gender discrimination
- No annual or lifetime caps on coverage
- Extended coverage for young adults
- Guaranteed insurance renewal so long as premiums are paid
So SPEAK UP to counter the self-serving arguments of crass partisans, special interests and their fear-mongering news shows!