I got this e-mail rant, I agree with most of it

Discussion in 'Politics' started by Xavier Montoya Zapata, Sep 10, 2009.

  1. Xavier Montoya Zapata

    Xavier Montoya Zapata
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    A rant in 4 parts.

    Part 1: I don't have Health Insurance.

    Don't get me wrong, I pay for coverage. I pay nearly $1000 a month in premiums for a healthy family of four. As of the end of this month, I face a 21% increase in those premiums. But what I get for that outrageous monthly fee is not really, "insurance."

    "Insurance" is something that is there when you need it. You pay your premiums every month, and then IF something happens, you're insured. So no, what I have isn't insurance.

    Because I buy my coverage through the poorly regulated individual market, what I have is "insurance" only as long as no member of my family is ill. But if anyone becomes ill and the illness becomes expensive, my insurance company will work very hard to find a pretext to deny or cancel my coverage.

    So I don't really have insurance. It's more like a weather report -- I have a 20% chance of insurance if I really need it. So, to recap, next year, paying more than $1000 a month will buy me an 80% (or greater) chance of getting nothing in return.

    Part 2: I don't need Health Insurance

    But here's the thing, I don't need health insurance. I don't need insurance at all.

    Insurance is the wrong model. Insurance is something I get in case I need it. I insure my car, though I've never been in an accident and hope not to be. I insure my home knowing that it will probably never burn down. I insure my life through term insurance which is essentially a bet between me and the company -- they're betting I won't die before the term expires, and while I hope they're right, just in case, I want to be sure that my family would have that protection if I did. In all of these cases, I pay my premiums and I may never use my coverage. The insurance company makes a profit by spreading the risk around a large number of customers, knowing that only a relatively small percentage of them will ever need to be paid the benefit.

    But when it comes to health, the question isn't IF I will need it, it's WHEN. Sooner or later every one of us will need health care. And sooner or later, it will be expensive care.

    Currently, the industry is making a bet: they cover only the young and employed betting that by the time health care gets expensive they will not have to pay. Either the customer gets old enough to become eligible for Medicare, or looses the ability to work and looses work-based coverage. In any case, no longer the industry's problem. It's a good bet for them and the house usually wins.

    But for consumers, it is a system that sucks money out of the economy. It's a system that fails to provide care. It is a system that is morally unconscionable. Or, to put it plainly, it's not simply a stupid investment, it is wrong.

    So I don't need Health Insurance. I don't want Health Insurance. I need HealthCARE.

    Part 3: I don't need more choices

    I have choices right now, but they're all bad. I can pay too much for unreliable coverage from Company A, or I can pay too much for unreliable coverage from Company B, or I can take my chances and go without.

    I have read proposed plans that would allow me to choose a level of coverage based on my needs, paying more for more coverage and less for bare-bones plans that provide less.

    But here's the question, how do I know what I need? I'm healthy, so at the moment I don't need a plan that would cover certain reoccurring costs that for example someone with a chronic condition might need. I don't take any prescriptions, so I don't need a drug benefit.

    But I have seen, sadly, how in a moment all of that can change. Young, healthy people get cancer, even with no known risk factors. I have no assurance that when I least expect it, I might be hit by a car, or struck by lightening, or eat cookie dough tainted with E. Coli and suddenly need a level of care that I didn't plan on when I signed a contract.

    I know what I need now, but I can't know what I might need tomorrow, so I don't need choices.

    Part 4: What I need ...

    I need a system that spreads the risk around, including the young and the healthy as well as the aged and the ill. I need a system that doesn't just cover me and my family, because we don't live in a universe unto ourselves, we live in a community. My community suffers when my neighbors are forced into bankruptcy by medical bills. My community suffers when my neighbors are too sick to work. My community suffers when my neighbors die because they lack access to care they can afford. I need a system that covers everyone.

    I need a system that doesn't suck money out of my pockets and put it in the hands of lobbyists who work against my interest. (Believe me, I have other places to spend that money -- my local economy, for example.) I need a system that doesn't put healthcare choices in the hands of MBAs, but leaves them in the hands of my MD.

    I need a system that covers a minor illness or a major illness, an acute illness or a chronic illness, and doesn't rely on my ability to predict the unknown. I need a system that covers my kids as well as it covers their grand-parents. A system that covers my day-care provider every bit as well as it covers the CEO of my company, but charges them based what they can afford to pay.

    What I need is affordable, reliable, universal healthcare.

    It's called MEDICARE FOR ALL.

    I am employed myself and cover my family, but to those who think they have it great you are just a job layoff a way for not having any coverage and the coverage you have you may have to fight tooth and nail my 3rd child who is special needs does not get perfect coverage we have to fight tooth and nail to make sure we get her needs met, I agree with the above I need health care not health insurance, Medicare for all.

    En mis hojos
    Xavier the Marine
     
  2. targus

    targus
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    This is a spam email.

    You don't really know the person who wrote it.

    Some Democrat shill put this out.

    Who cares?

    BTW - Obama is cutting the Medicare budget by BILLIONS so good luck with your Medicare for all plan.
     
    #2 targus, Sep 10, 2009
    Last edited by a moderator: Sep 10, 2009
  3. annsni

    annsni
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    So you're all for insuring the lazy bum who refuses to work but wants hand-outs?

    You're willing to have the insurance tell you that you're too old/sick/not worthy of treatment?

    You're willing to wait weeks/months to have vitally important tests and treatments because of government health care?
     
  4. OldRegular

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    Better to let this thread die since it is obvious nonsense!
     
  5. targus

    targus
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    Watch - this guy will get banned and come back as justmexican !!:laugh:
     
  6. Winman

    Winman
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    Your rants are ridiculous.

    Obviously you have no concept of what insurance is. Insurance is actually a legal form of betting. Your insurance company is betting you will not get sick or have some other serious loss like your house burning down. And you are betting you will.

    Let's see if you are getting cheated. Let's say you pay $1000 a year for your homeowners insurance and your home is worth $200,000. Now, how many years would you have to pay to pay the actual cost of your home? 200 years.

    Let's say you live in your home 10 years and paid $10,000 in premiums. Then one day your home burns to the ground and has to be rebuilt. It happens. Now, the insurance company has to give you $200,000 although you have only given them $10,000.

    Now, who is the winner there? YOU ARE

    And it happens. I had a friend and co-worker back in the 80's who had a terrible incident happen in his life. He and his two sons were sitting on the couch watching TV when his furnace exploded. He and his 12 year old son ran to the front door and escaped from the house. For some reason his 10 year old son tried to escape another route and was trapped in the fire. When my friend tried to open the door to go back in and get his son he could not, because his son had collapsed in front of the door. He did manage to force the door open and pull his son out, but he had 3rd degree burns over 80% of his body. My friend also received serious burns on his arms and face. His son was rushed to the Shriner's Hospital in Atlanta (this occured in Jacksonville, Fla.) but died a few days later. His medical bills came to over $300,000. My friend also was hospitialized and his costs were over $75,000. His house burned to the ground and was worth about $250,000. His family lost all their belongings and had nowhere to live, so they had to live in a hotel for awhile until they could find a place to stay for his wife and 12 year old son while their house was rebuilt (insurance pays for this).

    All in all, my friends expenses were nearly a million dollars. But you know what? His insurance paid for all of it. I spoke to him several months after the incident and he said that if not for insurance he would have been ruined for life.

    You have no clue at all. Yes, insurance is expensive. But if you ever experience a loss like this you will suddenly LOVE your insurance company.

    Maybe I am a little defensive. I was an insurance agent for many years, and I've had people call up screaming at me when their car rates went up. But I'll tell you, they get real friendly when they have an accident and total someone's car and are liable for $30,000

    So, you don't know what you are talking about.
     
    #6 Winman, Sep 10, 2009
    Last edited by a moderator: Sep 10, 2009
  7. Johnv

    Johnv
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    That's called medical insurance, the very thing you claim you don't need.
     
  8. donnA

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    and to think there are christians agreeing with this evil
     
  9. annsni

    annsni
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    I'll tell you the true story of OUR insurance:

    Hubby fell off of our roof, landing on his feet on our cement patio. Went to the hospital with what we thought was a broken foot, was told it was dislocated and he was treated and sent home.

    After 3 weeks, the X-ray looked like the original night - it was dislocated again and the doctor wanted us to get into the city to a specialist. Specialist was not on our insurance at all. Doctor called the insurance, sent files, X-rays, etc. and requested that DH be able to go to the specialist in the city. One hour later, we got the OK. We saw the doctor that takes care of many sports stars and dancers - and DH ended up having major surgery on the foot since it turns out, first doctor didn't catch the 5 serious fractures in the foot and now we're dealing with what he termed a "salvage job". 2 surgeries and 9 months of PT later, the only bills we had to pay were the parking fees and tolls to make it into the city. The insurance company paid the hundreds of thousands that this whole thing ended up costing. And much of it was even out of network.

    No - insurance companies don't go crazy trying to deny you. They are careful to get the most bang for their buck - which we ALL should do.
     
  10. rbell

    rbell
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    BINGO!!!!!

    However...people that take responsibility for their own actions are becoming more and more scarce these days...
     

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