View Poll Results: How satisfied are you with your current health insurance provider?

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  • Satisfied: Why?

    34 50.00%
  • Unsatisfied: Why?

    23 33.82%
  • I don't have health insurance: Why?

    11 16.18%
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Thread: How satisfied are you with your health insurance provider?

  1. #141
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    Re: How satisfied are you with your health insurance provider?

    Quote Originally Posted by The silenced majority View Post
    Why should we not explore tailoring insurance to the type of care that the payee is likely to need? Young and healthy people would pay for only catastrophic insurance needs while the elderly would pay for insurance tailored to the health needs related to their age & condition. That would be better than everyone paying for blanket health-coverage that doesn't take in to account the health and care requirements of the payee.
    I completely agree with this. As long as the catastrophic insurance truly covers catastrophic events, and isn't just a euphemism for ****ty coverage. Fortunately, Congress seems poised to eliminate "lifetime maximums" and limit out-of-pocket expenses, regardless of what happens with some of the more controversial aspects of the bill.

    Quote Originally Posted by The silenced majority
    I also believe that removing the cost of doctor's visits from health insurance coverage would help greatly in lowering health insurance costs.
    Ehh...it depends. I think a couple of annual checkups, and things like mammograms for women should be covered. An ounce of prevention is worth a pound of cure. But I agree that there's really no reason for minor health expenses (e.g. a broken arm) to be covered by insurance.
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    Re: How satisfied are you with your health insurance provider?

    Quote Originally Posted by The silenced majority View Post
    Why should we not explore tailoring insurance to the type of care that the payee is likely to need? Young and healthy people would pay for only catastrophic insurance needs while the elderly would pay for insurance tailored to the health needs related to their age & condition. That would be better than everyone paying for blanket health-coverage that doesn't take in to account the health and care requirements of the payee.

    I also believe that removing the cost of doctor's visits from health insurance coverage would help greatly in lowering health insurance costs.
    My brother was diagnosed with cancer in his 20's. What would happen to him under your idea?

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    Re: How satisfied are you with your health insurance provider?

    Quote Originally Posted by Redress View Post
    My brother was diagnosed with cancer in his 20's. What would happen to him under your idea?
    Hey, nothing works perfectly. Best case scenario is that your brother would be able to find the best market-based policy to suit his exceptional condition for somebody of his age. I'm doubtful that a one-size fits all insurance approach would bring about a better solution to your brother's unfortunate condition.

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    Re: How satisfied are you with your health insurance provider?

    Quote Originally Posted by The silenced majority View Post
    Hey, nothing works perfectly. Best case scenario is that your brother would be able to find the best market-based policy to suit his exceptional condition for somebody of his age. I'm doubtful that a one-size fits all insurance approach would bring about a better solution to your brother's unfortunate condition.
    The problem with that is that once he knew he needed it, he had a pre-existing condition.

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    Re: How satisfied are you with your health insurance provider?

    I don't have health insurance at all. Luckily, I'm quite fit. I do have one medication I take that is very expensive and wish I had health insurance to cover.

    $300 for 20 pills.

  6. #146
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    Re: How satisfied are you with your health insurance provider?

    Quote Originally Posted by Redress View Post
    The problem with that is that once he knew he needed it, he had a pre-existing condition.
    It doesn't change my opinion that a market-based solution would be cheaper and provide better coverage than a one-size fits all government mandate.

  7. #147
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    Re: How satisfied are you with your health insurance provider?

    Quote Originally Posted by The silenced majority View Post
    It doesn't change my opinion that a market-based solution would be cheaper and provide better coverage than a one-size fits all government mandate.
    The two aren't necessarily mutually exclusive. Even the government plans could offer a wide variety of options, charge high enough premiums to cover the costs (with vouchers for those who need them), and offer the same sort of high-deductible low-premium arrangement that you're describing.

    That might not necessarily be what the final bill entails...but I don't see any fundamental reason that such a system wouldn't be workable.
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    Re: How satisfied are you with your health insurance provider?

    Quote Originally Posted by Kandahar View Post
    The two aren't necessarily mutually exclusive. Even the government plans could offer a wide variety of options, charge high enough premiums to cover the costs (with vouchers for those who need them), and offer the same sort of high-deductible low-premium arrangement that you're describing.

    That might not necessarily be what the final bill entails...but I don't see any fundamental reason that such a system wouldn't be workable.
    That eventually traipses into the realm of a government entity that can expand it's budget to meet shortfalls vs. private companies who are affected by taxation and driven by profit.

    I'm not against their being some type of law that would prevent denial of coverage due to a pre-existing condition, I'm just doubtful that a Government-backed option would be the best way to achieve this.

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    Re: How satisfied are you with your health insurance provider?

    Quote Originally Posted by The silenced majority View Post
    It doesn't change my opinion that a market-based solution would be cheaper and provide better coverage than a one-size fits all government mandate.
    To be honest, if the health care reform just addressed pre-existing conditions, slow pay and first denial strategies from insurance companies, and worked to help poor people afford insurance, I would be satisfied with it. That does not mean I don't think more can, and maybe should be done, but at least those would be a good first step for this year. It kinda feels like we are rushing to solve a big problem, and doing that is probably not the best strategy.

  10. #150
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    Re: How satisfied are you with your health insurance provider?

    Quote Originally Posted by Redress View Post
    To be honest, if the health care reform just addressed pre-existing conditions, slow pay and first denial strategies from insurance companies, and worked to help poor people afford insurance, I would be satisfied with it. That does not mean I don't think more can, and maybe should be done, but at least those would be a good first step for this year. It kinda feels like we are rushing to solve a big problem, and doing that is probably not the best strategy.
    Mhm. I think any chances to the current health insurance system in America should be done in small increments. The problems mentioned above didn't occur overnight, and as much as I'd like to see efforts to address them taken as soon as possible, I'm sure how succesful attempting to solve them al in one swoop would be. If pre-existing conditions were included in most healthcare plans, if there were stricter rules regarding when companies can refuse to fund necessary treatment, and if steps were taken to help the poor receive affordable coverage through either a public option or an existing insurer; I think at this point, we could call that a victory.
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