PBH / Off Topic: do your thing / Forums (active)

What I think healthcare should be.

Okay I will lay out a plan and I will discuss it with my congressman. Y'all read and constructively critique.

First of all; I liked a lot of what Obama said about healthcare reform during his campaign, I didn't vote for him. Most of it was campaign media babble and the parts I liked have not been mentioned very much since then.

First of all; why is health insurance tied to your employer? It shouldn't be! The fact is all the large employers in the USA are self insured. Sure you have a Federated Healthcare Card; but, they are just paid administrators. Why is that? Hmmmm? The employers are making/saving money. Period.

Is your home owners insurance policy tied to your employer? Is your automobile insurance tied to your job?

I think the definitions should be regulated and applied on a uniform nationwide basis.

I do think you should be entitled to elect different levels of coverage; but that they should be uniform and part of the CFR.

Then if your employer wants to be noble and provide your premium so be it. At least then you would truly know what you are getting. You don't now.

It should be a transparent process and you should know in a matter of nano seconds what a medical consequence in you life is going to cost you out of pocket. This is something Obama pushed during his campaign and you just don't really hear much about it. It really should be delivered as fast as your internet connection will allow.

I think minors and students should be guaranteed to have the best of the best coverage at the most reasonable rates.

I do think that lifestyle choices should be rewarded for good results or rated for at risk catagories. I.E. smokers pay more, obese persons pay more, drinkers pay more etc. I think the at risk catagories should only be those that are metricable and should be monitored on an annual basis as part of a required annual physical. Drunk drivers or bad drivers pay more for their actions that make them high risks, why shouldn't health insurance.

What did I miss?

ts

By lpdiver on Sep 18, 2009, 20:16 in Off Topic.

goin_south says on Sep 18, 2009, 20:53:

Insurance, per say, is a scam.
It's a large organization, making you pay, to take a risk.
The risk. Theirs. Yours.
No different, than paying the bookie.
Little difference.
But, they aren't 'Paying Out' the same % that the casinos are paying out.
Hence, the 20 to 50 million dollar a year executives.
wtf???

There should be no health insurance at all.
fee for service.
cost would be lower.
had the insurance (bookies) never been involved.
People would learn how, and then would take better care of themselves.

Fok all this.
I had cancer when I was five years old.
I didn't have health insurance, then.
I'm probably healthier than any other modefoque on pbh, right in the heart of middle age.

It's a matter of education and action.
So, f*k all of your or Mr Obama's or BlueCross's health insurance plans.

Oh... and, .... don't be afraid to live.
Or, to die.
Because you're going to.

It's all pretty simple.
But, dr's and insurance companies have made it appear to be complex and chaotic and confusing.

take a break.
ciao.

Boba-ma: " i AM the president "

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lpdiver says on Sep 18, 2009, 21:10:

I understand your point of view; but, that is not going to hold Senator Cassidy's ear for long.

ts

Remember what the monkey says, "Fuck money it's free"

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goin_south says on Sep 18, 2009, 21:12:

who is S. Cassidy?
not that I care.
I jus haven't heard of this particular prostitute yet.
Does he have affiliation with acorn?
Like one of our pbh members?

Boba-ma: " i AM the president "

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lpdiver says on Sep 18, 2009, 21:46:

He is Louisiana's sixth district Senator. A pretty decent fellow actually.

ts

Remember what the monkey says, "Fuck money it's free"

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scumbuster says on Sep 20, 2009, 05:44:

Do I think insurance companies need some blame here? sure do, but I don’t see the huge profits here many seem to think they are making. Most work with about a 3% profit margin. Its kinda the same as people blaming the oil companies for raking in the money. (its the speculators) But its a fairly normal rate of return. They have huge money outlays and by the very size of these companies it sounds like a lot of profit, but when you look at the percentages its about normal for most corporations. You don’t see investors running to buy stock in Blue Cross because there are many companies making higher rates of return. There needs to be more regulation to make them cover preexisting conditions and so they cant drop you if you get sick, but if that was taken care of that isn’t much you can criticize. I think opening the insurance market across state lines would help. I have no idea why the Dems are so against that. And Tort reform could drastically cut costs.

Tomas Jefferson “When the people fear their government, there is tyranny; when the government fears the people, there is liberty.”

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dwmte7 says on Sep 29, 2009, 04:58:

of the two trillion dollars that is spent on medicine, hospitilization, doctors, insurance and all satellite industries annually, $500,000,000,000.00 of that is net profit. after taxes. on the news the other day. so they're not doing--all of them--too damn bad.
d

patriarch

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goin_south says on Sep 30, 2009, 10:14:

You guys bought into the scam that made those bastards wealthy, rather than tending to you own good health.

Now, ... quit bitching.

Boba-ma: " i AM the president "

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