Dr.Who
Well-Known Member
I don't know if you've seen it but there's a great commercial running here in Ohio by "Divided we fail". It has actual families that had health insurance that still had to file bankruptcy because of all that was not covered... and they HAD health insurance.
So is the purpose of insurance to guarantee that you will have good health or to protect your assets if you get an expensive illness. I'll give you a hint. The insurance companies cannot make you better they can only offer money that might be enough to cover the costs of an illness.
Now if your particular illness exceeded the limits of your policy then you either gambled and lost or you never bothered to read the policy.
So now that you have exceeded the limits of your policy you can declare bankruptcy and legally not pay the doctors for saving your life (that's gratitude) and then become available for medicaid so you will still have health care. So really the only complaint here is that your credit is ruined. Maybe the gamble wasn't such a loss after all.
If I remember correctly I believe they said 1.8 million people per year are put into this fix.
Said another way, 1.8 million people were underinsured by their own choice and then screwed their doctors and nurses (driving up the cost of medical care for everyone else) and they never had to be without health care. How about we make a law that if your doctor saves your life you have to make at least some payment every month for the rest of your life if need be and help keep the costs down for everyone.
You know if they'd even come up with a National plan that just covered catastrophic illness and people still purchased or were offered coverage thru work for regular basic healthcare it would be a vast improvement.
There are many such plans that do exactly that. When I was in college and sure that I could never get sick ( I was invincible after all) but not so sure that I would never hit a tree while skiing I took out a policy for catastrophic coverage only. It was less than a hundred dollars a year. That's less than the cost of a typical poor persons daily trip to McDonald's per month.
There is no need for it to be national!!! And yet this is exactly what liberals are demanding. Not because there is any need or advantage in a national program but because the social tendencies in their thinking wants that alone and health care or whatever for poor people is just the excuse or medium that will allow the creeping disease of socialism to spread.
I have just as much empathy for poor people as anyone else. In fact more since I don't want to create dependency on national programs that hurt more than they help.
There is not a single person in this country who is without insurance/health care for any reason other than they are not willing to pay for health care one way or another. If any one of you can give an example of such a person I will either show that they could use their own situation or assets to get health care or I will never make such a claim again.