| Obviously something has got to change. Millions do | | | | stays. It happens...my roommate has done it, my |
| not have coverage. Most of the time this is due to | | | | girlfriend has all sorts of collections companies after |
| the cost of health insurance. Pre-existing conditions | | | | her for doing the same. They just go in and then |
| many times makes the price outrageous. And the | | | | completely ignore the payments. |
| older you get the more expensive it gets. So what | | | | With that type of system in place...it is obvious why |
| do we do? | | | | healthcare is expensive. The other issue is that when |
| First and foremost...we have to do something about | | | | people have insurance...shopping around for the best |
| how we insure. Everyone needs to have it. There is | | | | deal is not even thought of. people know their |
| another insurance that most everyone has...car | | | | insurance company is picking up the tab so they just |
| insurance. It is cheap for the reason that everyone | | | | want the best then...no matter what the cost. This is |
| has it. BUT...same thing there...if you are a high risk | | | | why many insurance companies do the 80/20 split |
| driver...you pay more to drive. But point here is that | | | | policies. This is an attempt to get people to be a little |
| everyone must have health insurance. If everyone is | | | | frugal with how they use their insurance. And I tend |
| mandated to have coverage...then the price will come | | | | to agree with them. My dad had a heart attack |
| down due to some 40 million additional people signing | | | | recently. He insisted on me driving him to the hospital |
| up for coverage. | | | | verses calling 911 due to the costs of the ambulance |
| The "mandated" coverage should be disaster | | | | ride. His insurance covers so much of the ride there |
| coverage...similar to liability only coverage on your car. | | | | but it is about $500 out of pocket for him. This is |
| high deductable coverage. This kind of coverage is | | | | exactly what insurance companies are looking for. |
| cheap also. I have a $5000 deductable policy that | | | | And lastly...trying to keep this is main points. We have |
| costs me $90 a month. It is there just in case | | | | to do something about people who run to the doctor |
| something happens. I am young. I do not go the the | | | | about everything. Everyone knows one of these |
| doctor much so this works perfect for me. What this | | | | people. I employ a good number of people. I know |
| does...first it makes insurance companies | | | | which ones do this. They are constantly asking for |
| compete...they attempt to get everyone with their | | | | days off for being sick and needing to go to the |
| personal liability policies. But the second step of | | | | doctor. When you ask what is wrong, you get this |
| this...there has to be a penalty that is real for those | | | | petty excuse. I have a pain in my knee or I have a |
| who attempt to get care without having some sort | | | | fever. Take an pain pill and come to work. I am there |
| of insurance. Right now what happens in the working | | | | every single day sick or not. Needless to say...like |
| class in America. Everyone knows that if they get | | | | insurance companies...I purge my workforce of these |
| hurt they can walk into any emergency room and | | | | individuals pretty quickly also. I can not stand having |
| the hospital MUST treat you by law. How one will | | | | staff I can not count on to be at work on a regular |
| pay is not discussed. And most hospitals write off | | | | basis. I do understand some people get sick more |
| millions every year in services rendered to people | | | | than others but sometimes I wonder where |
| who never paid the bill for their emergency room | | | | Americans spine has gone. |