Friday, May 14, 2010

Why aren't insurance companies helping to Control costs?

You can already go out and buy health insurance on your own. ( an average family of 4 will never be able to afford it) why then does the insurance industry and cons fight, lie, and mislead the country, but not point out this Option? why cant these people offer good quality health insurance at a lower cost?Why aren't insurance companies helping to Control costs?
The insurance companies now want us to pay 35 cents on every dollar and the republicans are trying to help them do it. *Why aren't insurance companies helping to Control costs?
They -do- control costs, by rationing care. 8^%26lt;





We made a big mistake in allowing the insurance companies to own our entire health care system. Rather than just sell insurance, they now own the hospitals and clinics, and the doctors work for them. So the have no incentive to control medical costs because higher costs mean higher profits. They -do- have the incentive to be skimpy in handing out medical care.





Our entire medical care infrastructure now is mostly owned by 7 corporations. These corporations are so powerful that they control the debate. They give lots of money to both parties during elections, so neither party is going to do anything that would adversely affect their profits. Every health care reform plan has the same feature: It just 'incidentally' strengthens and perpetuates corporate control of health care. In fact Obama's plan, like Bill Clinton's plan, like GHW Bush's plan, can be seen as no more than a subsidy of the existing insurance industry.
The insurance companies ARE trying to control costs. They exclude high risk people, so they don't have to pay for ones most expected to get sick.


They exclude people with pre-existing conditons, so they don't have to pay for treatment of them either. If you smoke, you pay higher rates. If your family history makes you more risky, you pay higher rates. They even


try to find reasons to drop customers who get sick and make a claim.





The fact is that healthcare is outrageously expensive. And even with all these cost saving measures, the price of insuring people to pay for expensive healthcare when they do need it is correspondingly outrageous as well. Why is healthcare so expensive? The greed of the healthcare industry, the greed of lawyers who go for outrageous lawsuit settlements, the greed of politicians who make money indirectly from the industry by structuring the laws the way they are.





Insuring large groups of people is the most cost efficient way to insure them, because the risk is spread around. Especially when you are allowed to exclude some high risk people. But when you are forced to include everyone, or when insuring smaller groups, the number of people actually using the insurance goes up, and thus so do costs. The ugly truth is that the whole industry depends on large numbers of healthy people paying into the system, and not using the services. This is why the government wants to make it mandatory that everyone participate.


But all those sick people will be included too, so costs will go up, and quality will go down. Look how they run medicare (going broke). Look how they run the post office (going broke).





It sorta like a gym membership. They love to sell tons of gym memberships, because only a small percentage of people actually end up using the gym. Most people never go. They count on this, so they can keep selling more and more memberships. But if everyone who had a membership decided to show up, the whole system would collapse.
I have a family of four, and we can afford our health insurance. My husband is serving our country, and I work for a corporation that contributes to our health insurance premiums, if I take out the coverage through them. You most certainly have the same options available to you, you simply choose to not work hard to make yourself marketable to good companies.





I think you liberals are the ones misleading the country.
They have no incentive to. Because the more they charge, the more money they make. And, there is nothing to stop them from doing that now. THAT is why we're trying to reform health care!


And, that is exactly why Obama is trying to create a public option. So people will have a CHOICE, and they will have to lower costs to compete. Why the neocons are against this is beyond me...
Because of the way that government the runs the medicare/medicaid program (and a few private insurers too - mostly union associated). Specifically, the ridiculous way that the government determines what things SHOULD cost and how they reimburse - they drive up the costs and private insurance MUST be charged the same as the government so it drives up premiums.
There is no need. As costs go up, insurance companies just raise premiums.





As consumers, we HAVE to have insurance. We have no choice but to pay whatever they want.
The insurance industry is the 9th most profitable industry in America. They don't want that to change.





Why do you think they are spending millions fighting reform?
Oh, they CAN offer it. They just choose profit over the greater good.


Which is really quite ridiculous because they could do both.


Greed.
The customers are demanding more and more
they're corrupted just like he US government


watch the movie sicko by michael moore
bottom line........

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