Harry Guerrilla
DP Veteran
- Joined
- Dec 18, 2008
- Messages
- 28,951
- Reaction score
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- Gender
- Male
- Political Leaning
- Libertarian
I still see so much misconception in this thread. So far we have talked over and over about people needing emergency medical assistance but dont have the money to pay cash at the time. This is not how it works! Granted a person can pay cash at the time most do not. The hospitals dont ask you if you can pay and if you say no *shrug* and say "ok we will just write it off". They send you a bill just like most other services. A person unable to pay in a lump sum can make payment arrangments.
So stop saying that all people that do not have medical insurance and do not have the cash in hand means the tax payer pays. Its just not true alot of the time.
Also people have said that just because you are young this does not protect you from injury or illness and should be required to carry insurance reguardless. I also disagree. I am a person that will not go due to a illness. I have broken 2 bones (nurmerous other injuries) in my body and did not go for treatment either time (were found at a later time when a serious injury happened). When I did have a serious injury and no insurace and no cash guess what? I made payments untill the bill was paid. *gasp!*
Unbareevable! :2razz: j/k
If we included legislation exempting medical care from bankruptcy filing it would help loads with the cost of visiting a doctor or hospital.
Some people such as myself and some of my family will not go for illnesses. Its just how we do things. Its not a matter of bravado but how we think. If I had cancer today (or any other illness) I would not seek treatment, its just how I am. So why should I be required to purchase a service I would not need.
They are not getting a free ride though. We got off the point. A college student does not need health insurance because chances are they will not need it.:doh Sure there will be some people that get hurt but they have options.
There is the solution. College students have enough expenses, and so does everyone else, they don't to add another three grand onto them, especially if they are not necessary. You should get health insurance between the ages of 25-30.
You used to be able to buy what I would call "catastrophic coverage" or surgical plans that would cover the costs of getting surgery and other similar things. This was about 8-9 years ago I think.
I've been searching for one since I've started debating this and haven't found anyone offering them anymore. It would be perfect for college students and the like because it is so low cost.
It could be that mandated coverage laws have erased them from the table of health coverage options.