posted on Jan, 13 2011 @ 12:48 AM
IMO part of the problem here in the US is that insurance has largely been employer-based, and still usually is. It isn't often a separate commodity
that is purchased individually, as is car, life or home insurance. It isn't, as some would suggest, that we have insurance, after all, those here in
the US who have job-based insurance have their employer skim off the premium from each paycheck much as the governments do in countries that have
gov't run insurance. Those of us who don't get insurance thru our employers (or are self-employed like I am) end up paying even more and there
really isn't a level playing field.
I really can't fault those who champion such a system (though I want no part of it, not ever, for reasons I will soon explain) simply because it is
all they know. If you were born and raised living in a tree, you and all your friends, neighbors and your whole culture, then you would likely think
it odd and perhaps rather bizarre that other people live in houses on the ground. It is a cultural difference, not unlike the way people in England
and British colonies drive on the "wrong" side of the road. It's wrong to the rest of us, but not to you; because it's what you know.
But, such a system isn't set up in the US, never has been, and probably never will. It isn't what we are used to and it isn't part of our culture.
This piece of smegma that the last congress passed and Obama signed is nothing like what countries with state-run healthcare have. It isn't even a
tax; just an unconstitutional regulation (at least the most onerous part of it) forcing people to purchase a service from a private company, totally
unconnected from any other action (such as owing a vehicle) other than simply being alive.
Back to why I wouldn't want any part of a state-run health plan....A few years ago I switched from one insurance company to another (I had to as I
moved, again this is part of the problem, competition between providers is severely limited by not being able to be sold across state lines), and this
new company just up and decided that I had a pre-existing condition (which is often very ridiculous, as people can be denied for very simple, easy to
manage and non life threatening issues) and that they would not cover anything that had to do with what they considered part of that "condition".
So I bided my time, waited a year or so, and filed another appeal to get them to overturn that exclusion (I had appealed the exclusion as soon as I
purchased the policy, and was denied right of the bat). Again, another denial - so, what I did was to contact my state's insurance commission. And
guess what - the insurance company instantly reversed their decision and gave me full coverage for everything that was listed in the plan I purchased.
This is why I would never want to have the gov't have anything to do with running or administering insurance coverage, simply because the buck
stops there. You can't go any higher - you get denied treatment because you are too old, too bad! Then all you can do is hope you can fund the
needed treatment yourself, which, depending on the rules of your country, might include leaving said country for the care you need.
As said, there are very real problems here in the US (like the OP's incident), but few ever want to find real answers. If it was up to me, I'd cut
out a huge amount of gross gov't waste spending, like funding studies on why pigs stink and other inane ways that the gov't flushes tax dollars down
the can. Then I'd extend the income limit so that the working poor could get medicaid (which sucks but is better than no care at all, that could be
addressed at some later time) and if necessary, fund that with additional taxes that aren't regressive, like more "sin" taxes on cigarettes and
alcohol. Then I'd open up the whole country so medical insurers would have more competition like auto insurers and people could buy policies from
companies based anywhere in the US. People who make too much for medicaid would just have to buy their own insurance or just deal with the bills if
uninsured, but they would have a much easier time because the rates might actually go down, and not skyrocket as they have done in the last year or so
The gov't exists to regulate businesses only when said businesses step out of line, like the health dept making sure that your local Chinese take out
isn't infested with rats and roaches. But otherwise, the gov't needs to butt out of healthcare - period.
One other thing - this to the OP - if you ever need medications that are very expensive you might want to look into getting drugs that aren't
available in generic directly from the drug maker. I have insurance but no drug coverage and that can really help keep your medical costs down - you
can apply directly to the drug company and if you qualify they will give you the meds for free.