posted on Aug, 31 2012 @ 10:31 PM
What a great thread. As a legal alien living in America (originally from the UK, and travelled extensively throughout Europe) I have a great view of
the US system...
* You pay insurance premiums. They are very high. Higher still if someone in your group is sick...
* You visit the doctor, and you pay a 'co-pay' to see him/her. Lets say about $75. The visit is 'charged' by the insurance company at $75. They
are not out of pocket at all yet.
* Any treatment and you need to pay a 'deductible.' This means that you pay a portion for the treatment that you've been paying for by your
premiums. Up to a certain amount (to keep premium costs down), of course. You pay to stop the insurance company paying - even though you've been
paying them to cover it!
* You then get a bill showing itemized charges. I won't go into the whole "$75 for a cotton swab" thing. Let's say, for example, a colonoscopy.
The bill says, "It was $16,000.00. You pay $4,000.00." Not bad, you only paid a quarter. However, your insurance carrier tells the hospital that
they only pay $6,000.00 for a colonoscopy. The hospital says, "Okay." However, the hospital only charges the $15,000.00 amount because it has
overheads such as "liability insurance." If you didn't have insurance and said to the hospital, "Oh, I'm only going to pay you $6K for the
colonoscopy!" you'd be in court quicker than you know! You'd pay the full $16k. Why? Because the insurance company threatens to up the liability
insurance premium to the hospital if they don't play ball. The consequence is that you don't pay just 1/4 of the bill. You pay 2/3 of the bill. If
you have a $2K deductible, you pay the whole bill. The insurance company takes your premiums as pure profit.
Your health is in the hands of the bean counters, not the doctors. You don't have the coverage, you don't have the treatment. Simple. You need to
pay out of your pocket? Okay, you leverage your house against it. They'll take all the money you can find. You scoff at the countries with
'socialised medicine' but they pay taxes to cover it. They pay out of their taxes. Nothing precludes them from buying additional insurance for
'better' coverage. Let's say they pay $10,000 in taxes, plus another $5,000 to have 'private coverage if you must.' That's $15K a year. You pay
about $1400 a month for completely private insurance (less co-pay, less 'deductibles'). $16,800. Better off? No. Better healthcare? Not really.
Longer life expectancy? No. All of your payment goes to the insurance company. In Europe, only $5000 a year does. The rest guarantees you health
coverage with no copay or deductible.
In 2009 an independent study showed that universal health care in the USA would cost about $70million a year.
$71million a year is about what it costs to keep the religions tax free. If they were the 'charitable' organizations they claim to be, everyone
could have health coverage. Instead, the US has a terrible rate of poverty.
Every time I see a big foam finger saying, "We're number one!" I think, number one in not giving a crap about the poor. Number one in stealing from
the middle class. Number one in making the poor poorer. Number one in palling up to the millionaires club (from which most have been excluded).
If the insurance companies, big pharma, big oil, and the churches are all on the up and up, why do they spend so much money lobbying to have the laws
changed to make it easier for them to take your money?
Tax the churches.
Audit the insurance companies.
Otherwise it's not about 'we're number one' it's about "we are crooks and we don't give a crap about anyone else."
But if I say that, I'm labelled as a socialist (which makes me laugh because 90% of the US couldn't give the definition of 'socialist' if their
life depended on it), an extremist, unpatriotic...
Stay away from processed foods, drugs (I mean pharmaceuticals), GMO foods, and doctors who get kickbacks from the drug companies. Love, live, and
We the people? Nope. Them, the rich people.