Info for those who still believe

[lazs2]

socialzed medicine?  sure, we have medicare and freebie healthcare for those who can't pay and wont get insurance. but... for those who buy insurance... we are much happier with what we have.   People from countries with socialized medicine come here for operations.

I heard (on npr of all things) a discussion with doctors and health care providers that seemed very reasonable.

They are saying that the best solution, and I agree, is insurance like most of us have on our cars.... deductible with say...  $4000-10000 a year deductible... the rates would then be from say a low of $60 a month to a high of say a hundred or sop a month.

you break a leg and it costs $800.... you pay.   Open heart surgery?  you pay 10 grand the insurance pays the rest.   Another big expense for the doictors was all the paperwork for the medicare and entitlement cases... with a deductible not only would people go less to the doc but the paperwork would be allmost eliminated....making it even cheaper for doctors fees.

People who have to pay a certain amount for doctors visits now go to the doctors a lot less and are less of a burden... this would simply be an extension.

So what if you had a bad year and had to pay $4000 that year in doctors bills?   why is that a trajedy that we all have to do something about when if you wreck your car or the trans blows up or it gets stolen and you lose 4 or 5 grand we don't hear a thing.. you suck it up.   People are paying $400 a month for car insurance that isn't worth anything but you don't hear cries to socialize automobile driving.

Many have $1000 deductible on property damage... where is the outcry when the wind blows down their fence or takes out their rain gutters?

So why should eveyone have to go to a one size fits all insurance policy of socialized medicine when it is only a few that can't or won't do something about their life?

lazs

[dmf]

You guys should have a disclaimer Something that says this

In the event that we save your life, you may not sue us for saving it. If we cannot fix your medical problem it it may be because you waited too  long before coming to see us, but since we did extend you life a few years, we are not liable for the fact that your right middle finger no longer pops up when you want it to, but at least yous still alive, be happy or we'll reverse what we did and laugh while you die.

Get real with the law suits people, if its a pair of pliers left inside you after surgery, then Yea you have a case. but if the cold doesn't go away in 5 minutes its not the doctors fault.

[Shamus]

Originally posted by lazs2


They are saying that the best solution, and I agree, is insurance like most of us have on our cars.... deductible with say...  $4000-10000 a year deductible... the rates would then be from say a low of $60 a month to a high of say a hundred or sop a month.

lazs

LOL, I can tell you have not been paying for your own in a while

10k deductible here pushing $300.00 a month. And we have had all the cool tort reform in place that the insurance industry pushed thru in the 90's including the only complete immunity law for the drug industry in the nation.

I gotta say, the insurance industry has masterful PR people, they over charge for a product in a so called government regulated environment and have successfully convinced a huge percentage of the people that it is someone else's fault.

I worked insurance defense for many years until I just couldn't stomach it any longer, the crap that the adjustor's and defense counsel want the field investigators to do just to get out of paying valid claims so they can maintain good "loss ratios" is sickening.  

shamus

[lazs2]

I pay for my own and it is about $500 a month with no deductible except for $5 co pay for dr visits or perscriptions...  catastrophic insurance is offered by Kaiser here and it is like $60 a month.

Are you saying that a $10k deductible there is allmost $300 a month per person?   For a family of three it would be $900 with a $30k a year deductible?

I have not seen that but even if it were high at this point...  the more people involved the lower the rates would be... few insurace companies are offering real viable deductible plans.

lazs

[Shamus]

The plan covers a husband and wife so it breaks down to about $150.00 per. You are correct about the deductibles tho.

The $1500.00 deductible was $850.00 per month (couple), so the high deductible is a lot lower, as it should be.

We don't have Kaiser here so I am not familiar with them.

shamus

[lazs2]

shamus... most people pay that much or more for car insurance and.... with a deductible of up to $5k.  and that isn't even per year.. it is per incident.

So why aren't the democrats and socialists crying to socialize car insurance... look at all the people driving around uninsured?

Point is.. if every insurance co could offer group plans of different deductibles... it would get down to maybe $50 or so per person per month for the highest deductible.

This way.. everyone could get as little or as much as they wanted or could afford instead of a mess like the socialist countries have with no choice at all except for the very rich.

lazs