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.)
My employer offered HSAs and a payment if you dropped insurance all together. I dropped my insurance through work and joined my husband's HMO.
HMOs and PPOs are a pain of bureacracy sometimes. But 3000/year taken PRETAX + 500-1000 out of pocket for regular visits is cheaper than the 5000 minimum for the HSA that is out of pocket.
My company's HSA has been taken mostly by healthy people who use extra money for lasik and massages. Older people stay in the HMO, which drives up premiums.
After age 50, people reasonably think you'll need a back surgery and cancer screenings and glasses and perhaps a heart bypass. in that case, the HMO is drastically cheaper out of pocket than the HSA.
posted on 04/14/2006 10:48:45 AM PDT
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