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April 26, 2024, 2:05 am
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How to deal with rising health insurance costs
Published:
Shouldn't health insurance be treated like car insurance? If you get in an accident or make a claim, your rates go up. If you've never made a claim your rates go down.
After that being considered, a sliding scale based on age should be implemented.
I've never spent a night in a hospital since the day I was born and I've never made a major claim against a health insurance company, but I'm paying higher premiums than people half my age that have suited doctors and hospitals or made major claims against their insurance.
No wonder people get pissed off.
Comments
I ain't insured, which is why I buy my prescription medications in Mexico, where it ain't much more expensive than aspirin. And it doesn't have to be prescribed by a sawbones, doesn't require a $100 dollar visit, doesn't require any lab work.
J
People who smoke are always rated up as well as people who are very overweight, but just because you were unlucky to get cancer 3 years ago and lucky enough to beat it, you shouldn't be slapped in the face. I understand why insurance companies charge high rates but I fought them all the way to get paid when I had health insurance (don't have any now) through a company. Every claim was challenged as being "pre-existing" although I won every case. I wonder if they expect a certain percentage of people to give up without a fight. One time I said to the customer service rep "Hey, everything is pre-existing after you're born."
It's funny that now I am a licensed agent, although I don't specialize in private health plans. The insurance companies use the Law of Large Numbers and have to look at the area, the gender and the age group to determine rates. Then you can be individually rated up or down depending on your health. No matter what, it's very expensive. Are you sure you are paying double the rate of someone who has made major claims unless that person is part of a group plan? Someone with a lot of medical problems has a hard time getting cheap coverage at any age. Anyway, if you never use your health insurance, have you considered switching to an HSA? I'm not sure what you have now. Not trying to get too personal, sorry.
The irony is that I've worked for insurance agencies that don't offer health insurance! Something needs to be done in this country. Unfortunately, the people who aren't contributing to society are often those who get the free care, but that's a whole other issue I guess I won't get into now. My neighbor never worked much so now he gets everything for free because he was diagnosed with lung cancer. After chemo & radiation he smokes 2 packs. I sound mean, but I see this everywhere. One the one hand, I want to be a humanitarian and take care of everyone, and it would be morally wrong to let a homeless man or an illegal immigrant die in a hosptial waiting room. But on the other hand, shouldn't the people who have paid into the system, paid taxes, blah, blah, be the ones to benefit?
An illegal immigrant has more health benefits at no cost than I do at $200/month with a $5000 deductible. I can't afford a physical, or eyeglasses but it seems to be carte blanche service to non-citizens or people in the "system". I don't want to be in the system, I just want the same rights to the same health care at the same price as everyone else in the United States. I'll pay my way and my fair share, but let's make it fair and equitable. The government sees fit to regulate our utility companies. When we're dead we do not need electricity or a telephone. It's time for priorities to be set and price gouging standards to be set in all aspects of our life. We bristle when the price of gas goes up from $3 to $3.10 a gallon but don't blink an eye when grandma is charged $10 for two Tylenol during her hospital visit.
Heaven forbid when the plumber hands you a $90 bill for installing a garbage disposer after an hour on his back under your sink scraping his knuckles bloody and getting debris in his eyes. But the doctor at the clinic gets a free pass for spending 10 minutes with you charging you $100 to tell you everything is OK even though you know it isn't. See me next week, he says. What kind of scam is that? If the plumber said that you'd kick him in the ass on the way out the door and call the bank to void the check.
I love the argument that a doctor had to pay for his education. When he wants his kitchen cabinets, sink, faucet and countertops, appliances, floor tile and windows replaced, who paid for the contractor's education? What makes the doctor's education more important than the contractor's ten years of experience? The doctor might keep us alive but without the rest of us he'd be living in a cave curled up in the fetal position warding off the night chill and the rodents scurrying about. Too bad he didn't respect the exterminators, the HVAC technicians, the carpenters, the concrete workers, the electonics engineers who gave him light and internet service, etc., etc.
There's no "Gods" in this world. Nobody is better than his neighbor. Nobody's job is more important than the next. The doctor and the contractor both stopped at McDonalds for egg McMuffins and coffee on their way to work. Are those employees who brewed the coffee and fried the eggs less important than the doctor and the contractor?
Flat out answer, no. I have more respect for the coffee brewer than I do for the doctor.
The whiter your collar gets the further you get from the real deal of life.
Thanks...a lot.
Emily, no I wouldn't want the coffee brewer operating on anyone, but that person deserves just as much respect as anyone else, doctors included. There is no monetary value on what we do for a living but there is a value in what we do as a human.
(Life insurance is different of course).
A person who has never made a claim with their insurance company should get lower premiums than one who has made 20 claims. That's my point. I don't care about the "statistics" I'm talking about the individual. A 55 year old person who never got in an accident in their life should get a discount on car insurance from a person that gets in an accident every three years. And they do get that discount. Why can't the insurance industry extend the same courtesy to health insurance? Sure, I might have a massive heart attack and make one life-long claim but Joe Blow has nickle and dimed the industry for all his life to cost the insurance company much more than my swift heart attack and then Joe Blow dies of a massive heart attack as well. Who cost them more to insure? Me or Joe?
Due to those sometimes improper lawsuits and overly emotional juries, malpractice insurance has skyrocketed.
Couple that with illegals bleeding our medical system dry and you have a recipe for what we're seeing right now only getting worse until the invasion is stopped, tort reform is passed.
In maltpractices lawsuits however, we must remember that it is the jury and/or the judge that give those multi-million dollar awards AFTER due hearing. I am quite sure that a jury will not award even one penny, if it is not warranted. The beleaguered consumer would certainly need an attorney, a dream team really, to fight for him. And fighting the system is not cheap. We must not forget that insurance companies, pharmaceutical companies, healthcare companies - these multibillion dollar companies have an army of attorneys whose very sole existence is to work exclusively for them.
In fact the first replica was rejected because it was a too close depiction of a black slave woman. Our country have come a long way, now it doesn't matter what color your skin is or ethnic background, just how much money you have.
Janet, they say you learn new things everyday. I know I do. Very interesting fact about the big gal and the chains around her feet. When I leave here I gotta check that out. Thanks for that background.
Meanwhile I bought myself a new flat screen monitor today from Wally Mart. It is really cool and LP is a whole different world right now.
Thanks for your replies, everyone!
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