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Originally Posted by Strem2  Please, don't just make things up because you think that's the way that life ought to be. The insurance companies in America rescind people's contracts as soon as the person gets sick -- unless they are part of a large enough group that your group has clout with them. If you are an individual, and you develop breast cancer or high blood pressure, they cut you off -- in spite of what their contract says! |
I was trying to find a resonable explanation for your dissatisfaction with the insurance companies. But it turns out it is completely ilegitimate.
I take it contracts come up for renewal every once in a while. This is where you have the option to opt out, but the same goes for the insurance company. What is the problem?
Instead of putting this blind trust on the insurance company, to insure you always and forever against every ilness, the money is better spent in a savings account. You know, for unforseeable events such as you or a relative falling ill.
But wait, healthcare is very expensive in america i hear. So saving up on your own, even though your on the middle class is just not feesable. Why dont you spend some time and energy figuring out why? It hasnt always been like that.
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Originally Posted by Strem2 Where the consumer has a problem, is when they take your premiums for 10 or more years, and when you get sick, they cut you off. -- Don't you think that this is a little bit unethical? Just a tiny bit? They are in the risk business, and should honor their contracts. |
Instead of putting this blind trust on the insurance company, the money is better spent in a savings account. You know, for unforseeable events such as you or a relative falling ill.
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Originally Posted by Strem2 If they have a contract with a business, to insure ALL their employees, then they need to honor that contract.
No one is forcing them to write those contracts. It's up to them. But the new rules won't let them kick people out for getting sick, and it won't let them exclude anyone who has a previous condition. Too bad. If they don't want to write business to insure all of IBM or all of Citibank, they don't have to. But if they do write that contract, the government will make them keep to their contract from now on. |
They are in the risk
measuring buisness.
If an insurance company do not wish to take you as their customer - i take it your motive is to get protection because you recognise the expensive nature of healthcare in the US - then instead of being upset and focusing your time and energy on bashing the company for not taking you, you should find out why healthcare has become so expensive. There are ways suggested to make healthcare affordable again, you should start by taking a look in the "REAL healthcare reform" thread, it could set you of on an impressive journey.
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Originally Posted by Strem2 I thought that you thought that people are good, and will operate from a good motive. Are you now rescinding that and saying that people are basically thieves? |
Im saying people will want to do less for more. And that in a society with a tool to legitimately take other peoples property, it will be used for this.
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Originally Posted by Strem2 Even if you are saying that, it doesn't matter. The US health reform bill is not for national health care. The public option is a fair cost health insurance that those who wish can buy into. We assume that young people, (who can't afford more expensive insurance,) other people who have changed jobs and can't get insurance because of pre-existing conditions, those who have witnessed the way the private insurance companies indescriminately cut people off, and those who work for small companies that can't get affordable insurance because they don't have a large enough group to make the private insurance companies give them a fair price, are the ones who will join.
We are not talking about free insurance, and we're not talking about anyone else paying for you. Stop saying that. It has nothing to do with this bill. |
I can already imagine how people will come to this mystical insurance savior in droves. It sounds like nothing but a pyramid scheme, which will build up huge liabilities like medicare and medicaid.
Those kinds of policies is what is painting a wrong picture of what insurance companies are supposed to do. It also diverts attention from the real problem which is rediculous prices on healthcare, courtesy of government.
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Originally Posted by Strem2 So, let's not do that. We're not talking about controlling people. |
From the second post in this thread:
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# Guarantees Insurance Renewal: Insurance companies will be required to renew any policy as long as the policyholder pays their premium in full. Insurance companies won't be allowed to refuse renewal because someone became sick."
That is controlling people.
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Originally Posted by Strem2 That's what I'm talking about. The private companies are not doing that, so the populace has asked their representatives in government to come up with a solution. |
The populace has been mislead, and are asking the guys that created the problem to fix it, which inevitably will lead to other problems which can then be "fixed". Its the perfect crime.
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Originally Posted by Strem2 Look, are you self employed?
In the US, if you are employed, your employer with holds your taxes based on a table. If you have deductions, you get money back.
If you don't have deductions, you don't. Unless you are very wealthy with your own company or you live on investments you're not going to be able to refuse to pay. So are you very wealthy? Spend a little money on a lawyer and he'll find deductions for you....
I find it strange that you object to taxes. Didn't you, a little while ago, suggest that a group of several million people ought to be able to get their roads fixed and their bridges mended? Well, we did figure a way. We pay taxes to a government that takes care of those things. We each pay a little bit, and all those things are taken care of....
If you don't like that way, then go somewhere else.... Oh, yeah, you are somewhere else.... |
Since roads and bridges are paid for by you and me, it would be entirely possible without the government.