Thursday, November 20, 2008

NY Times Article on Insurance

OK, now tell me this isn't insane!  The insurers are wanting to require that everyone have health care, regardless of pre-existing conditions, but they won't say if they'll put a premium limit on the policies?  HELLO!  Does anyone really think that even if everyone is eligible for insurance, that at that point the average person will be able to afford it?  They are making this "grand gesture" just to show how powerful they are.  

There is no way that their lobby in Washington will allow any type of premium restrictions on this.  They say that having everyone in the pool will be better, and spread the cost, but if you read my post from yesterday, how is that possible?  (Healthy family, paying $662/mo for health insurance.)  They say that it's the way it works best, and that when EVERYONE is required to have insurance at all times, it will over the long haul, cost less.  They also say that people won't buy insurance now, until they get sick.  

Hmmmm, if it didn't cost almost as much as my mortgage through an employer, and was CONSIDERABLY cheaper to buy it on my own, I would.  I come from a family with a history of medical problems.  My daughter wasn't the only person in my family with special needs.  I think that the majority of Americans feel the same way I do.  If it were a manageable cost, we'd all have it.  Does anyone really think that people DON'T want to be insured?  Most of the bankruptcies are from medical bills, not credit cards.  We are not stupid!  We know that we can't afford to get seriously sick.  When it does happen, not only can we not afford the treatment, but we have to fight with the insurer to at least cover palliative care.  (Hospice, covered at 60 days per calendar year, so if it takes you longer than 60 days to die, you're screwed.)  

The worst part about all of this talk back and forth between insurers and Senators, is that the Senators are going to listen to the insurers.  After all, they have made considerable contributions to each of their campaigns.  Now that they have their puppets in place, the play can begin.  The American people have no idea what's coming next.  I wonder if Edward Kennedy had any problems getting his insurance company to pay for his brain tumor treatments?  Oh, wait, he's got AWESOME insurance that I help pay for.  However, if I had a brain tumor, I'd be left to wither and die at home, with nobody but my family to care for me.  I wouldn't get put in a hospital for longer than it took to diagnose me, then I'd be pushed out the door.  There will come a time when eventually, it will become SO expensive to have medical coverage, that the average life expectancy will start to drop again.  I wonder how long it will take?  Will the government start to notice after the next census in 2020, or will it take longer than that?  When will "people" wake up and start protesting the rising costs of basic medical care?  It affects each of us, everyday, but nobody wants to see it.  I sit at home today with my son, who woke up at 4 am vomiting, and I won't take him to the doctor, because I really think it's something he ate.  But, because I am like that, I am suffering.  I'm forced to pay exorbitant prices for medical insurance that I don't use!  When will the insanity end?  I kept hoping that when Kennedy's brain tumor showed up, that something would come of it.  But, why should he fix it when HE doesn't have a motive to?  I wish I were rich enough to buy my own Senators and Congress persons too!  Then I could mould and shape the country into my vision of perfect profit margins and pitiful poor people weeping on street corners.  Smells like capitalism at it's finest to me.  Someone call the federal prosecutors!  
Oh, wait, Bush and Cheney already own them!  I wonder how much they'd sell them for?   

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A rant about life today, and my undereducated thoughts on how to change things. Also, some random opines about other subjects...occasionally.