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. #171
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    Re: How satisfied are you with your health insurance provider?

    Quote Originally Posted by Glinda View Post
    So, if it's not the profit motive that's made our health care system impossible for lower-income/unemployed/underemployed people to afford, what is it?

    Before you answer, consider this:
    I would argue that the litigious nature of our society with malpractice claims drives up cost more than anything else.

  2. #172
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    Re: How satisfied are you with your health insurance provider?

    Quote Originally Posted by jallman View Post
    I would argue that the litigious nature of our society with malpractice claims drives up cost more than anything else.
    As well as the pervasive nature of the third-party payer system, that insulates the consumer from the true costs of the goods and services he receives.

  3. #173
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    idea Re: How satisfied are you with your health insurance provider?

    In March Blue Cross charged me $433 for my monthly $5,000 deductible PPO w/co-pays for drugs and office visits and each doctor's office still had to fight for approval of prescribed services.

    In April as a 65-yr-old I rec'd my first ever government assistance via Medicare and now I wonder how anyone can oppose "medicare for all" as the answer to US health insurance reform? How does one become so selfish and dispassionate object to free health care for everyone?

  4. #174
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    rolleyes Re: How satisfied are you with your health insurance provider?

    Quote Originally Posted by rondosocal View Post
    How does one become so selfish and dispassionate object to free health care for everyone?
    It's free! Nobody will ever have to pay for anything! Doctors, hospitals and clinics will just be donating their services! Woo hoo!


  5. #175
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    Re: How satisfied are you with your health insurance provider?

    Quote Originally Posted by rondosocal View Post
    In April as a 65-yr-old I rec'd my first ever government assistance via Medicare and now I wonder how anyone can oppose "medicare for all" as the answer to US health insurance reform? How does one become so selfish and dispassionate object to free health care for everyone?
    Aside form the obvious fact that its not "free'...

    Its quite simple -- the opposition to public health care programs stems from the tenets that:

    -People are responsible for themselves;
    -You have a right to be compensated for the good and services you provide;
    -Having a right to health care does not equate to the right to having others provid eyou the means to exercise your right to health care.

    Which of those tenets do you disagree with, and why?

  6. #176
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    Re: How satisfied are you with your health insurance provider?

    Quote Originally Posted by jallman View Post
    I would argue that the litigious nature of our society with malpractice claims drives up cost more than anything else.
    While I don't dispute that medical malpractice issues/costs are a part of our overall healthcare woes, I don't know that I'd go so far as to say med-mal is the main culprit.

    Here's a very interesting report that supports this:

    MEDICAL LIABILITY, MALPRACTICE INSURANCE AND HEALTH CARE

    SUMMARY/KEY FINDINGS

    In discussions about how to solve our vast national health care crisis, questions are often raised about why the system is so expensive and how costs can be reduced to make health care affordable for everyone. Some of the discussions have focused on medical malpractice insurance and liability issues, raising questions about the cost of insurance for doctors and whether there is a need to further limit patients’ ability to bring claims against incompetent doctors or unsafe hospitals.

    To answer these questions, Americans for Insurance Reform, (AIR), a coalition of nearly 100 consumer and public interest groups around the country, has produced the most comprehensive review of medical malpractice premiums, claims, profits and the impact of medical malpractice
    tort law limits to date. Based on its analysis, AIR finds:

    • Medical malpractice premiums, inflation-adjusted, are nearly the lowest they have been in over 30 years.

    Medical malpractice claims, inflation-adjusted, are dropping significantly, down 45 percent since 2000.

    Medical malpractice premiums are less than one-half of one percent of the country’s overall health care costs; medical malpractice claims are a mere one-fifth of one percent of health care costs. In over 30 years, premiums and claims have never been greater than 1% of our nation’s health care costs.

    • Medical malpractice insurer profits are higher than the rest of the property casualty industry, which has been remarkably profitable over the last five years.

    • The periodic premium spikes that doctors experience, as they did from 2002 until 2005, are not related to claims but to the economic cycle of insurers and to drops in investment income.

    • Many states that have resisted enacting severe restrictions on injured patients’ legal rights experienced rate changes (i.e., premium increases or decreases for doctors) similar to those states that enacted severe restrictions on patients’ rights, i.e., there is no correlation between “tort reform” and insurance rates for doctors.
    Of course, this is not to say that med-mal insurers aren't making nice profits in this rotten economy (from the same report)...

    Before examining premium and cost data in detail, it is worth analyzing medical malpractice insurers’ current bottom line, and determine how well they did in recent years as they raised rates on doctors and pushed states and Congress to enact laws to limit the liability of their clients - health care providers.

    To say medical malpractice insurers did well during this period would be an understatement. Despite their lobbying position that medical malpractice claims and lawsuits were making it difficult for them to survive, these companies thrived. In fact, they did so well last year that while every other sector in the economy began suffering through a global economic crisis, medical malpractice insurers had “a very good” 2008. This came “after posting record profits in 2007.” And the good news for the medical malpractice insurance industry is not over yet. A.M. Best predicts that their “operating profits will continue through 2009.”

    Profit/Return on net worth
    According to the National Association of Insurance Commissioners (NAIC), in 2007 the medical malpractice insurance industry had an overall return on net worth of 15.6%, well over the 12.5% overall profit for the entire property/casualty industry.

    • Over the last five years, the return on net worth for medical malpractice insurers was 11.1%, again outpacing the entire property/casualty insurance industry at 10.3%.
    Essentially, our entire medical care system needs an overhaul.

  7. #177
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    Post Re: How satisfied are you with your health insurance provider?

    People are responsible for themselves is a common feeling but not a solution. The solution you propose with this opinion is "let 'em all die in the street". Nice.

    You have a right to be paid for the services you provide. My doctors all seemed very anxious to get paid by Medicare for the fine treatment they gave me. The doctor may have to downsize from a ten million dollar mansion to a puny five million dollar mansion. Life is tough even for the rich.

    Provided by others? If there was ever a right you might expect your government to provide without question there is no higher morally right issue than decent affordable health care.

    I'm still waiting to hear why medicare for all is so ominously dangerous and unfair.

  8. #178
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    Re: How satisfied are you with your health insurance provider?

    Quote Originally Posted by rondosocal View Post
    People are responsible for themselves is a common feeling but not a solution. The solution you propose with this opinion is "let 'em all die in the street". Nice.
    I'm sorry, your answer is unclear -- do you or do you not agree with the tenet?

    You have a right to be paid for the services you provide.
    So, you agree with the tenet. Thank you.

    Provided by others? If there was ever a right you might expect your government to provide without question there is no higher morally right issue than decent affordable health care.
    I'm sorry, your answer is unclear -- do you or do you not agree with the tenet?

  9. #179
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    Re: How satisfied are you with your health insurance provider?

    Quote Originally Posted by rondosocal View Post
    I'm still waiting to hear why medicare for all is so ominously dangerous and unfair.
    Spoken like one who will have medicare up until the day he dies but has no interest in how to pass along the same benefit to the next generation.

    Medicare and social security are defunct and broke. Let's start there.

  10. #180
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    Re: How satisfied are you with your health insurance provider?

    Quote Originally Posted by rondosocal View Post
    You have a right to be paid for the services you provide. My doctors all seemed very anxious to get paid by Medicare for the fine treatment they gave me. The doctor may have to downsize from a ten million dollar mansion to a puny five million dollar mansion. Life is tough even for the rich.


    You have no clue, sir.

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