Posted by redforlife on October 06, 2016 at 16:20:27 from (68.234.121.124):
In Reply to: health insurance posted by Ward1989 on October 05, 2016 at 18:54:40:
I am currently operating without health insurance. I had insurance from an off the farm job awhile back, but could not afford it on my own when the place went out of business and I lost that job. The insurance I had at that job did not make sense to me. I had really high deductible and it was still expensive. I had to pay close to 2/3s of it out of my paycheck. It did not cover office calls, prescription drugs, eyeglasses, or dental. So basicly in a nut shell, I didn't benefit one bit from it, and saw 0 return. I know not having insurance doesn't make very good sense, but the options to have insurance doesn't make sense either.
We have a 3 way problem with our health care. And it can not be fixed without dealing with all 3 of the problems. One problem is, healthcare is to expensive to begin with. 15 dollars for an asperin in the hospital. COME ON! Another problem is the cost of insurance coverage, and how much of that money gets paid out to claims. It would be scary to know how many employees in the insurance company draw wages and salary's from customer premiums. They have employees that literally only work to find ways to not pay on claims. I am serious. They literally hire people to find ways to not pay you your own money back on your claims! And lastly, the other problem is of course the uninsured who receive treatments that all else have to pay for. But, you got to realize that even some of the insured fit into this pool if they cant afford to pay deductibles or claims refused by insurance company's. You also got to realize that most of the uninsured are lower class workers that can't afford insurance coverage because it is to expensive because of the first two problems mentioned. They, themselves do contribute to the problem. And these people are not jobless or homeless people. That sort can get government help for coverage. These people have a job that doesn't provide insurance, and don't make enough to insure themselves, but make enough to disqualify them from government help for coverage.
Its a 3 way problem, and it will never be fixed by only focusing on one of the 3 problems.
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