How to solve the Health Care delimma.......

Discussion in 'Healthcare/Insurance/Govt Healthcare' started by ABikerSailor, Oct 7, 2009.

  1. ABikerSailor
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    ABikerSailor Platinum Member

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    You know.....when I retired in 2002, I decided that I was going to do whatever the hell I wanted to, work when I wanted to, and basically be retired.

    Consequently, I watch an OBSCENE amount of news. I watch CNN, MSNBC, FOX (when I want to laugh), BBC America, the Debka File, as well as various internet sources (Google, Yahoo).

    So.......I hear a lot of the bitching from both sides.

    Now, the Dems want a public option. Something that anyone can get, and it's cheap.

    The Reps are worried that the insurance companies won't be able to stay solvent, as they don't want to insure people with "pre-existing conditions", as that would cost a lot of money.

    So, I thought.......why not make it like car insurance? That way, you could still have your choice, and you would be able to pick and choose your doctors (Reps), as well as have a low cost option for those that are poor and middle class (Dems).

    Now.........just like before you get car insurance, they run your driving record. Same deal here.......before going to get health insurance, you get a complete physical, and that is your starting point. Oh yeah.........you can't be turned down for a pre-existing condition, but, if you are, then you should be able to fall under the Government option (Medicare/Medicaid) if you are unable to be insured. Kinda like welfare.

    Just like car insurance (at least some), if you don't have a wreck, and don't get many tickets, your insurance rates go down, but you still have the same coverage.

    Every time you renew your health insurance (like you do for your car), you get another physical. If you are going downhill (smoking too much, obesity, etc), your rates go up accordingly. If you are the same, your rates stay the same. If you start a better lifestyle (losing weight, working out, exercising, etc.), then your rates go DOWN.

    There is another side benefit incidentally.........what if you live in a place that has been contaminated like Love Canal? Well......the people who live there would eventually get tired of paying high insurance rates, and they would mobilize the city government to clean up the mess, resulting in lower health insurance rates for the entire town.

    Or........they could move to a healthier area.

    Would also eliminate the need for a "sin tax" on stuff like soda and fast food.

    What do you guys (and ladies) think?
     
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    Last edited: Oct 7, 2009
  2. Harry Dresden
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    Harry Dresden Latinum, Plantinum,Silver,Gold Member Supporting Member

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    what about those with a pre-existing condition who are getting worse no matter what they do?.....and needing more treatment they are no doubt getting more expensive to maintain.....
     
  3. pete
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    pete The food stamp president

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    Auto insurers pull your credit and if its poor charge more ... so the free loaders will be paying more finally?
     
  4. ABikerSailor
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    ABikerSailor Platinum Member

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    Well.....for those with a pre existing condition, let the insurance companies do what they said they would.

    Spread out the cost among all the people, as the more people you have policies written on, the cheaper it is for everyone else.

    I'm just calling them on what they said......
     
  5. CryGlennCry
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    CryGlennCry Member

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    I think it's a pretty good idea.

    As complicated as this all gets in the papers and on the TV, at its core, it really isn't.
    Insurance companies must not be allowed to be in total control.
    They can not continue to hold all the cards.
    To make obscene profits by giving shotty care.
    Or ridiculously excessive tests.
    Or dropping the needy at their neediest moment.

    We need to be able to shop around.
    Have a choice.

    We must be able to have insurance regardless of employers.
    Or health.
    Or age.

    We ALL must be able to see a doctor.
    BEFORE it's life-threatening.

    And NO ONE should end up bankrupt behind an illness.
     
  6. Old Rocks
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    Old Rocks Diamond Member

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    Seems he covered that with a 'public option' type of insurance for those with pre-existing and debilitating diseases.
     
  7. garyd
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    garyd Senior Member

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    Okay first off the insurance companies don't even begin to hold all the cards. The more things you mandate that insurance companies cover in their policies the higher the cost will be. If you really want to cover more people. The real problem is that Your insurance is paid for for the most part by your employer.

    2nd For all too many people with the cost of Cobra being what it is that basically means your ability to sell your services to the highest bidder is sharply limited because of delays in getting back on insurance coverage when you change employers. It is very nearly serfdom once removed.

    We need to find some way to uncouple your health insurance from your employment. This would mean people could by the insurance they need without having to buy coverage for things they neither need nor want.
     
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  8. Old Rocks
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    Old Rocks Diamond Member

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    Universal health care, Canadian style?

    Look, there are a bunch of differant ways of skinning this cat. All the industrial nation excepting us have done this better than we do.

    Most of their health systems results are better than ours, and at less cost. Japan's is only half the cost, with the highest longevity of any nation.

    All cover all their citizens. We do not.

    And in none of these nations do you have hundreds of thousands of families going bankrupt because of medical bills. Going bankrupt even when the majority of them have medical insurance. In fact, in none of these nations do you have any families going bankrupt because of medical bills.

    However you do it, we need to emulate some of these methods.
     
  9. Missourian
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    Missourian Gold Member

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    Insurance company survive on the slimmest of margins.

    They post a 3.4% profit.
    "Overall, the profit margin for health insurance companies was a modest 3.4 percent over the past year, according to data provided by Morningstar. That ranks 87th out of 215 industries and slightly above the median of 2.2 percent."
     
    Last edited: Oct 8, 2009
  10. CryGlennCry
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    CryGlennCry Member

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    Wow.
    It never ceases to amaze me that people are willing to defend this obviously fucked up system.
    Ok buddy...I'm gonna assume that this 3.4% profit is correct. (it doesn't really fit what I've seen, but whatever)
    That means after everything is paid for, the ridiculous Board member payments,
    the trips, the advertising, administrative costs, everything. Aetna, for example, pulled in 8 BIL. Cigna did 13.
    AET: Income Statement for AETNA INC. NEW - Yahoo! Finance
    CI: Income Statement for CIGNA CP - Yahoo! Finance
    And this is all hunky-dorey for you?
    No on is saying health insurance is the only problem.
    It's the for profit health industry.
    It's our whole system.
    Why not take aspects of someone who's doing it right, like Japan?
     

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