Originally Posted by Msut77
I don't know why your posts are so piss poor, if I had to guess it seems that why you are certainly more energetic than the other posters you are equally dim. Now I can start on how your posts are so piss poor starting off with how you seem to believe that being able to get seen in an ER is a substitute for a working medical system.
So you started, didn't back it up with examples of these * working health care systems, and you never finished with anything at all... and my posts are piss poor?
I find it hard to believe that any one system works for everyone.
I don't have an answer as how to fix the system. I see where people are suffering and then again where companies (small business) that could offer insurance, now cant afford to. I see on a daily basis peoples lives it effects, and have been through both ends of this personally.
My brother was in a car accident and almost died, had to have brain surgery and literally half of his face is paralyzed to this day (nerve damage). He had no health insurance at the time.... actually he had been paying for health insurance for 45 days, but his union was 6 days away from starting his medical insurance when the accident happened, so he had no coverage....
On the other end of the spectrum I see people that are married and have 5-6 kids get on Blue Cross plans for $400 a month and get $10,000's of coverage each year for a measly 4,980 in annual payments. I see people that have food stamps and get Medicaid coverage pull up to pay their auto insurance in their escelades, and pay from a rubber banded wad of cash.
There is not going to ever be a perfect system. There never is. I think there needs to be something put into place, but I don't have the complete answer. In the example above my Brother owed more than $200,000 in medical bills, yet he was making too much for Medicaid help (barely). So its following him around, and he cant pay that back. There is a huge trickle effect to that accident and the bills. His credit is effected, which effects what he can buy. He could have had better treatment had he had medical coverage, and his nerve damage may have been reduced. He may not have lost his job due to the physical thereapy he had to go through had the accident have never happened.
There will always be people that feel strongly either way, and have personal experience to back it up. Its the same for anything else from brands of cars, to paying with paypal, to selling on ebay vs amazon vs craigslist, etc. To shopping for US produced goods over imports.
What I guess I get stirred up about is that people on both sides are blind to the opposite argument. There are Federal laws in place, and then each state has mandated their own set of laws. I don't write insurance in PA, but as Koggit (I think) mentioned apparently they don't allow coverage for Pre X conditions ever... That seems crazy as I believe the Fedearal mandate is 18 months max, for Pre existing condition exclusion. Some carriers in the 5 states I write in have 6 months self imposed, and some dont exclude conditions at all.
The problem with the government stepping in is there are going to be huge impacts on both sides of the table. I have this feeling that its going to sweep through and no one is going to look into the details of the plan. This just happened with the bail outs and rescues, etc.
Actually it even happened with COBRA benefits. There was a sweeping reform put through and small businesses have to pay 65% subsidy to those employees that were laid off from September forward. They are to pay 65% of the COBRA premiums on behalf of those employees for up to 9 months. This was to help the growing number of people that got laid off and could not afford COBRA, yet needed the coverage.
Want to know that it was messed up for quite a few months, and there are still COBRA administrators that are being cautious at how to handle it... why you may ask...
With COBRA there is a 2% admin fee that is to be collected on top of the 100% medical insurance premium. This goes to the administrator of the COBRA plan, whether that is the small business or a TPA. When the reform passed it overlooked this fee and didn't clarify if the 65% paid by the employer included that 2% fee. Sounds simple, but think of the consequences of that oversight. Its still causing confusion because 65% of 100% is different than 65% of 102%.
I have no confidence in the Government being able to pass anything that works in short order. I really don't.