Originally posted by 44soulslayer
I can only speak for the UK, but the idea you put forth of a hardworking man suddenly struck down by an affliction through no fault of his isnt
the average scenario.
What then about the person who works hard and has insurance, but gets a disease or condition that is not covered by their insurance? It happens way
more than you think.
Private insurance companies are set up not to pay out. There is a person in every insurance company who sits in a room all day and does nothing but
review cases to try and find a reason to deny coverage.
I would say first of all, the lowest paid members of US society get about $15,000 a year right? Are we to assume that they pay for their
accomodation, food and essentials out of this $15,000 and are left with nothing? If so, that is an issue of wage levels. Why are these people earning
such a pittance? Why are they only capable of being in jobs with such a wage bracket? Why are they not attempting to earn more money, or cut down on
expenditure to pay for their own healthcare.
Well, it's not as easy as all that. Some people are at the top of their game when they hit $15,000 a year. Jobs are scarce right now, and most of
us are glad to have the ones we do have, no matter how bad.
Some people haven't had the opportunity to succeed, or may be in the process. Success doesn't usually happen overnight, but only after years of
schooling, and even if that, you may not succeed, and still be strapped with debt from the loans you took out.
Before you argue with my statement about not given the opportunity, it is true that the poorest of us can get money to go to school, but after some
arbitrary line drawn by the government, they deem you too rich to deserve anything. The cost of everything is skyrocketing right now, which leaves
little left over for anything after you've bought gas and groceries and paid bills.
If you feel strongly about helping those with disease, you should give freely to charity without coercion. I have donated significant amounts
of money to Cancer Research charities in the UK. I believe that in the long term, this will benefit cancer sufferers much more than simply paying for
one course of treatement with an overpriced proprietary pharmaceutical. I truly believe in the power of charity. Where there is a moral obstacle to be
overcome, people will do it of their own volition to the degree they can. Forcing anyone into paying for another man's treatment regardless of the
situations surrounding the case is not acceptable in my opinion. Even worse is this concept that majority confers some right to force others to pay
for other's medicine (ie like if Tom forces Brad to pay for Jim's medicine).
While I have and do give to charity when I am able, the fact is that many charities which seek to cure various diseases take in tons of money, and yet
still many times the diseases they are supposed to be seeking to cure still exist in full force.
I would actually like to ask you a few questions sir. Please dont feel like I am singling you out in a negative way, I would just like to hear
your side of the story.
Actually, I'm a woman.
a. Why are you in a job which leaves you without enough money to buy insurance? Do you feel this was your own fault/ choice?
I had a job that had good insurance (for which I laid out a big chunk of my check), but I got laid off. The only other job I was able to get in the
same field does not provide insurance unless you are full time, and of course, they could provide hours just shy of that, but still I'm only part
time, so even if I somehow manage to work a full 40 hour week, I'm still not considered full time and am not eligible for their insurance.
My husband was fortunate enough about a month ago to actually move up to a better paying job, but he won't be eligible for their insurance for the
first 6 months. The temp company through which he was hired has insurance, however, it's almost 400 dollars a month for only doc visits for which
you still have to cough up a co pay, and a co pay for prescriptions, no major medical, which means nothing is covered at all if you need to be
hospitalized. In short, we'd be better off with nothing rather than throwing money away on it.
If you seek insurance on your own, it's difficult to find a policy that is worth paying out for that doesn't cost practically half your salary. A
woman I work with who is in the same weekly hours boat as me pays $1100 dollars a month for her insurance. I'd be willing to bet it takes her entire
check just to have health care. I'm sorry, but that is ridiculous.
We do have insurance for our kids, but it's pretty crappy, and it's all we can afford right now. It works fine for doc visits and immunizations and
so on, but God forbid they should get really sick. (knocking on wood)
b. Do you think it is fair for you to force (through a vote) richer people to pay for your insurance?
When those rich people have climbed up the backs of the middle class and stolen money away from our families to take luxury vacations, buy countless
mansions, and do whatever it is uber rich people do, then hell yes I do.
c. Do you think that government/ society has an obligation to take care of you; or compensate you for the position that you were born in/ the
path you chose?
I think we all should be willing to help one another, which I do to the best of my ability and so does my husband. No, we don't have extra money to
give right now, but if a neighbor needs a hand, we give it. If a person is stranded on the side of the road, we stop to see if we can help. We
donate our extra food if we have it to food pantries. 'We donate our extra clothes to goodwill.
As I said before, I'm perfectly willing to pay extra out of my check if it means everyone will get good health care.
I'm not asking for a freebie or a handout, or for anyone to take care of me. I want to make my own contribution to it.
Health care and the right to simply live is not supported by the system as it stands today. For the most part, only the super rich and government
mucky mucks [edit-and the very poor] have decent insurance in this country.
It's a mess and it needs to be changed. Just because I'm not rich doesn't mean I or my family deserve to suffer or die because of a twisted,
[edit on 11/7/2008 by chickenshoes]