First, let me say that I appreciate your response Navy!
-Health care costs are too expensive FOR EVERYONE, that is not considered wealthy, not just for those with preexisting conditions.
-Coops taking on all the people with preexisting conditions while leaving the healthy for only the Insurance companies or the majority of the healthy for only insurance companies to benefit, will NOT help those people with preexisting conditions because the price of the coop policy of this sort will be TOO COSTLY.
-If only those with preexisting medical conditions get thrown on to a government run program like medicare, it will be too costly as well.
Why shouldn't ALL insurance companies cover those with medical conditions at a reasonable price? Why have the insurance companies, been able to throw out the very people that need the insurance in the first place just so they can be MORE profitable? The Insurance companies did this with every senior out there...denied them coverage, because the seniors actually needed medical care, after their 20-40 years of paying insurance and being healthy and making the insurance companies rich.
The insurance companies FORCED congress to institute our social program of MEDICARE and they would be doing the same thing now to push off those who need coverage because of preexisting conditions off on to the gvt or the coop....WHICH IS what is going to bankrupt our government.
it is my understanding that coops or gvt plans are needed in states with rural areas that do not have multiple insurer coverage, where there is no competition to keep prices down?
How are these coops going to be instantaneously formed? Do the patients really know enough to form and run and negotiate with hospitals and doctors, a Coop for themselves?
I agree that more has to be done, to allow insurance companies to operate from state to state, but i am not certain how the federal government should do this without usurping the Rights of the States?
-Why do states only allow certain insurance companies to operate in their states? What is it that they felt was important to their citizens that certain insurance companies REFUSE to do, which makes them inelligible to operate in the State?
What protections would the State citizens be giving up in order to give the federal government power in this kind of regulating?
The insurance companies have said they can reduce the cost of ALL health care policies by about 20-25% if they cover ALL people with insurance, that do not have insurance now. I believe this is part of the deal with Obama?
This means, they have used their actuaries and calculated the risks with costs and they figured that another 20-30 million people that are fairly healthy (because the elderly are being covered by medicare and for the most part, many younger, healthier people are uninsured) with an insurance policy would still make them more profitable than they are now, even with reducing the price of everyones health care insurance policy by 20-25%. This is the guts of Obama's plan....get everyone covered, then there will not be the huge emergency room costs put back on to the government or put on to the Hospital who puts the costs on to the health care insurance policies of those that have them....at least that is the simple explanation...
I agree, and this has been a problem for a while....and it is not that the patents protect the drug companies for a while, which they should, but the problem is that these companies file for EXTENSIONS of their patents and extend their patends for 5 to 20 years through these extensions as well. This is something that could have been addressed the past decade but the drug companies are huge campaign donors to congressmen.
Yes, some sort of tort reform needs to take place, but the true root of the problem are the handful of doctors that have committed multiple medical malpractices while continuing to be licenced by the AMA, which brings the price of all medical malpractice insurance on to all the good doctors to an unreasonable cost. Get rid of the BAD, REPEATEDLY DEFICIENT, doctors who continually commit malpractice and isurance prices would go down as well.
A small investment of our government in paying for a portion of the medical school costs for more students to become Doctors would do a great deal for reducing medical costs as well.... we do not have enough doctors to service the baby boomers that are coming in to their sickly years let alone the rest of society so this is giving a SHORTAGE on SUPPLY compared to the demand...thus higher prices for everything.
there is a cost to covering the health care of illegals, but we will not deny them this health care if they are sick...because that would be INHUMANE...so the problem with the illegal's health care costs can only be solved by not having illegals.
I agree. I think there is a rush for a solution to one of the biggest problems we have....
I don't like it one bit...it's too bad that the republicans and dems don't take their time and really think and analyze this through to the end results, with actuaries for the numbers and those with insight on the possible scenarios that could come from every change they want to make.
What EXACTLY do you suggest doing about the healthcare of illegals? Not provide any? How is having them pay for the gvt option or for a health insurance policy, going to hurt things?
If the INSURANCE companies had not lobbied congress to develop medicare so that they did not have to cover people when they got old and sick is where the problem began, and now we are stuck with it.....if the gvt were carrying the healthcare of ALL citizens then it would have a larger pool of HEALTHY and sick and this would make things cheaper for the government and all of us overall...but NONE of you want this and want the insurance companies to take their cut of profits....while putting the sole burden of the UNhealthy on to the gvt, us tax payers...
I don't want to see the quality of our health care reduced which is happening as we speak as well, and there certainly are ways to keep this from happening, if the time and will, are put in to it, like increasing the number of doctors and nurses so that we are not so short, in a time where we really need them.
Well what the heck has TAKEN SO LONG to do these reforms if they are so necessary Navy, where the heck were the Republicans the 12 years they were in control of congress? Where the heck were these INSURANCE companies the past decade or two, why couldn't they reform themselves with the public's interest in mind? Huh?
Why would it steer us to an insurance policy instead of it being like a Medicare plan?
Then we don't have a constitutional RIGHT to medicare or Social security or a permanent standing Army either, according to our constitution right?
I think people should have the ability to buy a Health Insurance policy they can AFFORD, but this simply is not the case....and more and more people, million or more each year, get their health insurance policy cancelled because their employers can no longer afford to pay their portion of these outrageous costs for it....
by the way, did you support Senator Kerry's health care proposal? Because you are advocating HIS PLAN....just an fyi for ya!
Care