posted on 04/14/2006 9:55:06 AM PDT
If you are unable to research a topic like this on your own, you certainly wouldn't be much help to an employer!
posted on 04/14/2006 10:01:21 AM PDT
(I Pledge Allegiance to the Flag.....and My Heart to the Soldier Who Protects It.)
Mary Baker Eddy solved these problems years ago.
You may wish to ask yourself, or conduct research to determine, how many Americans travel to Canada or GB for their nationalized healthcare versus how many Canadians or British citizens come to America for healthcare. In Canada, for example, when the money runs out near the end of each month, doctors simply close their offices; but, you can still have a CT scan done on your cat, if needed, at a hospital, just not for your child. In the USA, "uninsured" people can walk into any hospital ER and receive the same care as insured folks, in too many cases costing the taxpayers. Now, if you're for 90% marginal tax rates, I suggest the European model. That should be enough to answer your questions.
posted on 04/14/2006 10:07:08 AM PDT
(We don't need no stinkin' rules of engagement...)
I would suggest reading a little about the now defunct TennCare program in Tennessee. Often dubbed Hillary care Lite the program was enacted with input from Al Gore when as VP he had some clout in the Tennessee Legislature.
The program was ended recently by a Democrat Governor over the horrendus cries of thousands who lost the coverage. TennCare was literally bankrupting the state.
This will get you started.
It is a learned vanity.
posted on 04/14/2006 10:14:50 AM PDT
(K.E. N.P. Slay Pinch)
Don't forget many peoples health care plan-----"Don't Get Sick".
posted on 04/14/2006 10:26:11 AM PDT
by processing please hold
(Be careful of charity and kindness, lest you do more harm with open hands than with a clinched fist)
As long as insurance companies and the medical world work hand in hand, with no boundaries, we cannot solve this mess. Saying that, I do not want our government involved in medicine, or any other part of our daily lives.
Pills, tests and appointments, now, automatically are entered into the insurance payoff system. The more the doctor, surgeon, pill distributor charges, the higher the insurance rates go. A never ending upward spiral.
We, the people, not legislators, need to work together to turn this around. The legislators work only in their own self interests.
Maybe, this is a silly idea, but what if we stopped paying medical insurance policies all over this country? Think it might make a difference?
Maybe, if we were all uninsured, it would wake up, not the government, but the medical and insurance thieves.
posted on 04/14/2006 10:43:55 AM PDT
(wiz - Sound on prairie, made by buffalo.)
HSA accounts haven't caught on too much in California. One reason is that they haven't pass a revision to the tax code to make them a tax break as they are in the Federal code.
As a side note HSA are some of the most complicated vehicles to understand when I researched switching to 'em. They are not user friendly IMHO and thus have gimmick status.
posted on 04/14/2006 10:54:54 AM PDT
(A government that robs Peter to pay Paul can always depend upon the support of Paul.)
My father was a small town doctor. He was firmly opposed to gov't healthcare, and did not like the ideas of HMOs. I typed a lot of his insurance paperwork. Some patients had more than one policy, and all paid equally.
My daughter was born in Canada, and her dad had knee surgery there (football injury) We both did okay, but when our young son was sick, it was hard to find a doctor to get into see, and I was not impressed with the service.
Our small town in NE TX had a Canadian doctor open an office. He came down here to make some money, but has retired back up there.
I am on disability/Medicare/Worker's Comp and don't recommend it to anyone. Trying to find doctors who will take it is not easy. Some things I just pay for out-of-pocket because no one wants to go through the hassle of trying to get any procedure approved.
posted on 04/14/2006 11:05:32 AM PDT
(Bushbot, Snowflake, Dittohead ---- Bring it on!!!)
posted on 04/14/2006 11:11:38 AM PDT
I am the owner of a small business, I was paying $850 per month for a standard health care policy until two years ago when I got an HSA with about a $5000 deductible. The premium on that policy is under $400 per month, so even with my $400 per month funding of the deductible, I am still a little ahead. With the previous policy, we never reached our deductible, so we were paying a few thousand a year in out-of-pocket medical expenses above the premiums.
So, the HSA for me is much better than the previous method, plus things like eyecare and dentist are able to be funded from the HSA account.
posted on 04/14/2006 11:26:44 AM PDT
(In decline, the Old Media gets more shrill, thrashing about like a dinosaur caught in the tar pits.)
FSAs (HSAs) are helpful as a supplement if you can predict your health care costs. But as a primary form of Health Insurance they will fail miserably.
posted on 04/14/2006 12:22:09 PM PDT
(Don't call them "Illegal Aliens." Call them what they are: CRIMINAL INVADERS!)
I joined an HMO about 25 years ago and it was great. I went from paying $30.00 a visit to the local pediatrician to $1.00 a visit at the HMO. The doctor that I had kept upping the price for single visits and I simply could not afford to pay the costs. When kids are little you see pediatricians a lot.
A couple of years after I was using this service, my state government decided that they too liked this idea. They began diverting welfare patients to my HMO and things began to go downhill from there. Fortunately, as my kids got older I hardly noticed the changes in service.
Sure the monthly premiums went up every year, but then I realized that the occasional visit was no longer costing me a dollar or two. The visits now were $20.00 or more, and any prescriptions were also much higher priced. I suppose that folks who get a lot of medications notice that stuff, but for someone such as myself who might get an Rx a few times every couple of years, a 2000% increase in price is noticeable. Believe it or not, some medications are 4,000% priced more now. (Is $40.00 a 4000% increase over a dollar?)
I have pretty much enjoyed good health as have my kids while they were eligible for the program as dependents, but the costs had increased enormously, outpacing inflation for sure.
More noticeable was the problem with actually getting to see my own personal physician. An appointment for a biannual physical can take months to get. A visit to see a Dermatologist for example can result in a wait of 4 months.
These issues were not factors when I first used this HMO. The state of Massachusetts caused the initial problems, and I expect things to get much worse now that we all will have "free" health care.
I have so many stories that I could share just from personal experiences and from friends and family.
Health care should not have government intrusion. We are in for a very big mess.
My advice for people is to stay healthy.
posted on 04/14/2006 12:38:38 PM PDT
(Stop domestic violence. Beat abroad.)
Check out this thread . . .
Post #34 provides some insight on some basic flaws in any insurance-based approach to health care.
posted on 04/14/2006 12:52:13 PM PDT
by Alberta's Child
(Can money pay for all the days I lived awake but half asleep?)
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