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How satisfied are you with your health insurance provider?

How satisfied are you with your current health insurance provider?

  • Total voters
    54
Kandahar said:
Most of the people who say they are satisfied with their health insurance have never actually needed it. Just wait until you get a major illness, THEN see how much you like your insurance. Granted, it's much better if you have it through your employer. Individual insurers (like the plan I have) are downright despicable in their unethical business practices.

That's why arguments that a public option will put private insurers out of business are totally lost on me. Why should I care? Why shouldn't I celebrate their demise?
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Because even with the headache private insurance has been, the government option will most certainly be worse.

If you don't believe me, ask anyone who has dealt with the INS/CIS recently.
 
Coronado said:
Because even with the headache private insurance has been, the government option will most certainly be worse.

If you don't believe me, ask anyone who has dealt with the INS/CIS recently.
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Then don't participate in the public option.
 
Kandahar said:
Then don't participate in the public option.
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After 5 years you get no choice.

I am a diabetic with high blood pressure and I like my insurance. Sort of makes your theory questionable. Am I the exception of the rule?
 
Blackdog said:
After 5 years you get no choice.
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Where is that provision in the legislation? :confused:

Blackdog said:
I am a diabetic with high blood pressure and I like my insurance. Sort of makes your theory questionable. Am I the exception of the rule?
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You probably have insurance through your employer. Am I right?
 
Kandahar said:
Where is that provision in the legislation? :confused:
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You will be required to have some medical insurance or pay a fine. Thats not exactly saying you have to have goverment insurance but you still have to participate in medical insurance if HR3200 is passed.

Thats also not taking into consideration that the president and other top democrates objective is to eventually go with a single payer plan. Several of them including the president have said that was the goal and the stepping stone to get there was a national health care option.
 
Baralis said:
You will be required to have some medical insurance or pay a fine. Thats not exactly saying you have to have goverment insurance but you still have to participate in medical insurance if HR3200 is passed.
Thats also not taking into consideration that the president and other top democrates objective is to eventually go with a single payer plan. Several of them including the president have said that was the goal and the stepping stone to get there was a national health care option.
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Can you provide a link that the President ever said such a thing?

I recall that the Pres. Obama spoke of an "ideal world" in health care. To my knowledge he has never alleged that a public option would lead to single payer. I don't see why it would but it certainly would provide the competition that is sorely lacking in the industry.
 
Cassandra said:
Can you provide a link that the President ever said such a thing?

I recall that the Pres. Obama spoke of an "ideal world" in health care. To my knowledge he has never alleged that a public option would lead to single payer. I don't see why it would but it certainly would provide the competition that is sorely lacking in the industry.
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[ame="http://www.youtube.com/watch?v=p-bY92mcOdk&feature=related"]YouTube - SHOCK UNCOVERED: Obama IN HIS OWN WORDS saying His Health Care Plan will ELIMINATE private insurance[/ame]
 
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Goobieman said:
The reality is that It doesnt matter how many times you repeat this, it has been addressed: if you are so inclined to do so, you have every right to choose to help these people.


And the right to be compensated for the goods and services you provide. Glad you agree.


Yes -- political rights you have because the structure of government provides/requies them. Voting, due process, jury trial, etc, exist because there is a government that necessitates them.


These are not rights, these are privileges, granted by law.

Rights are self-actuated actions you can take do not impose on the rights of others. As such, you do NOT have the right to expect others to provide you with the means to exercise your rights, such as health care providers to present goods/services w/o compensation.
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Even though I completely disagree with you, in that I believe that the collective right of each individual to healthcare trumpts the right to not redistribute wealth...

I would like to go back to the idea that charity can pay for what morally all people support, which is help for someone who needs life saving medical care.


I was just wondering if there was any sort of information... for either view, that charity would be able to provide for all of the healthcare costs for life threatening illnesses. I have not been able to find the answer to a question like that, but I was wondering if anyone else had any answers.


But remember, even if healthcare isn't a right as a human being, people are more then willing to give it away for free in the form of higher taxes.
 
kaya'08 said:
Yeah but there so goddamn slow. Another example of a government running something ineffectively.
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On tuesday last wk I was offered a date for my knee replacement, It was a 10 day wait, due to a lot of other probs we then set October14th to get it done.

Due to the unusual probs with my leg the consultation on tuesday was a "second opinion" with a new consultant, his findings (they took new xrays ect) were the same.

Do American Insurance companies pay for a second opinion?

It is your right under the NHS
 
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B L Zeebub said:
On tuesday last wk I was offered a date for my knee replacement, It was a 10 day wait, due to a lot of other probs we then set October14th to get it done.

Due to the unusual probs with my leg the consultation on tuesday was a "second opinion" with a new consultant, his findings (they took new xrays ect) were the same.

Do American Insurance companies pay for a second opinion?

It is your right under the NHS
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Were these all just consultations or were any actual surgery dates?
 
scourge99 said:
Were these all just consultations or were any actual surgery dates?
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the consultations each with a consultant/surgeon and registrar finished last Tuesday, the first date I was then offered for surgery was today.
 
Cassandra said:
Well? Why do you fall for this propoganda? Are you really so gullible?

What Obama says, is that eventually employer based coverage may be eliminated. This may be news to you but that is what McCain advocated and it is not the same as planning for a single-payer system
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You call it propoganda and I call it putting 1 and 1 together.

-Obama pushs for a national health care option.

-Obama has said himself he wants a single payer plan and that is his goal.

-Obama says the collapse of private insurance may take many years.

What does McCain have to do with this? I didnt vote for him either.
 
I have Blue Cross/Blue Shield and I have never had a real issue with them. I also opted for a PPO plan instead of an HMO plan because I like to control my health care decisions as best I can.

Once they wanted to get a little snippy with me about a procedure I wanted to have done. When I made it clear that I would go to another doctor who would prescribe possibly lifetime expensive medication for dealing with the emotional ramifications of what I saw as a mutilation of my body not being fixed, they caved and paid for the procedure. You just have to speak their language.
 
I have Blue Cross / Shield, PPO. I pay for it myself. I'm fine with them. If I have a major illness I'm covered for five million lifetime; few thousand out of pocket. $140 a month.
 
Baralis said:
You call it propoganda and I call it putting 1 and 1 together.

-Obama pushs for a national health care option.
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Yes.
-Obama has said himself he wants a single payer plan and that is his goal.
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No he has not.
-Obama says the collapse of private insurance may take many years.
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No, he says the "elimination of employer coverage may not happen immediately". That is a big difference. Lots of people would like employer based coverage to fade away. McCain is just one. There is a thread in the health care section on alternatives to the Obama plan which feature the elimination of employer based coverage.
 
Cassandra said:
No he has not.
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[ame="http://www.youtube.com/watch?v=fpAyan1fXCE"]YouTube - Obama on single payer health insurance[/ame]

He says here he is a "single payer proponent" or advocate.
 
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They paid for my colonoscopy, they must be pretty OK.

SouthernDemocrat said:
The problem is that if you needed life saving treatment, the hospital would obligated to treat you even though you were uninsured. The costs for your treatment would the be passed on to everyone else. So ultimately, everyone else must assume a financial risk by your choosing not have insurance.
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This is exactly why I'm not entirely against government-provided insurance... but having the Federal Government do it is blatantly unconstitutional. It should be up to the states to decide how they want health care run. The Federal Government could possibly subsidize them a little bit, but not do anything beyond that.
 
Dav said:
They paid for my colonoscopy, they must be pretty OK.

This is exactly why I'm not entirely against government-provided insurance... but having the Federal Government do it is blatantly unconstitutional. It should be up to the states to decide how they want health care run. The Federal Government could possibly subsidize them a little bit, but not do anything beyond that.
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That is thinking outside the box.

Why didn't Obama put some fresh minds in his cabinet and show real change and think outside the box. No, we get more of the same. :roll:

Seriously, excellent idea.
 
jallman said:
I have Blue Cross/Blue Shield and I have never had a real issue with them. I also opted for a PPO plan instead of an HMO plan because I like to control my health care decisions as best I can.

Once they wanted to get a little snippy with me about a procedure I wanted to have done. When I made it clear that I would go to another doctor who would prescribe possibly lifetime expensive medication for dealing with the emotional ramifications of what I saw as a mutilation of my body not being fixed, they caved and paid for the procedure. You just have to speak their language.
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Yup, I had a similar situation with BCBS over a certain medication I take. Basically I did pretty much what you did -- made them understand it would be a lot less expensive to do things my way.
 
Coronado said:
Yup, I had a similar situation with BCBS over a certain medication I take. Basically I did pretty much what you did -- made them understand it would be a lot less expensive to do things my way.
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If you go into it knowing you are dealing with a non medical professional who has a prime directive of saving the company money, then it's pretty simple to negotiate with them. Make it clear you will cost them more if they don't do things your way. It's usually the end of the discussion in any such situation. That goes, not only for the health insurance people, but for the cable company, the landlord, the car insurance company, the electric company, or any other "creditor".

Of course, this only works well if you are a responsible person who pays your debts and bills. Otherwise, they could call bull**** and you wouldn't have a leg to stand on.
 
Dav said:
They paid for my colonoscopy, they must be pretty OK.



This is exactly why I'm not entirely against government-provided insurance... but having the Federal Government do it is blatantly unconstitutional. It should be up to the states to decide how they want health care run. The Federal Government could possibly subsidize them a little bit, but not do anything beyond that.
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Then reform will be doomed to fail. Things have been tried at the state level. The states, most of them, are too small and too weak to confront the insurance/ pharmaceutical industry. My state has attempted some reforms and the insurance companies just pulled out and left a near monopoly to one company, then they tie up the state in litigation. One insurance company (Anthem) has 80% of the market and they have greater financial resources than the state to fight reform.
 
Baralis said:
YouTube - Obama on single payer health insurance

He says here he is a "single payer proponent" or advocate.
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That is right. In the distant past, he said that in an ideal world he would prefer a single payer system. On the campaign trail and since becoming president, he has said, repeatedly, that he does not want to dismantle the system that exists. Furthermore, he has left the task to Congress, not the White House, to design a reform plan. Do not make the false assumption that a public option would lead to a single payer system. Personally, I would be delighted but I don't see any evidence.

Above all he is a political animal who has been trying to hammer out a compromise that will allow the health care mafia to continue to do business while offering a public option for people like me who are being ripped off by the H.C. system. The insurance lobbyists are doing their best to make people believe that a public option = single payer. It might reduce their record profits. The insurance industry has consolidated and they are making record profits on high deductible, over priced policies. They pay less of ea premium dollar toward claims than ever before. Do you or do you not want to allow their extortion racket to continue?
 
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