Democrats & Liberals Archives

Anti-Insurance

Our country is now in the feverish process of trying to develop a universal healthcare system. At the present, we have what is called health insurance. This is a misnomer. What we have in the health industry is not insurance but anti-insurance.

When you take out a life insurance policy, it guarantees that when you die your offspring will be paid a specific sum - and this what usually happens. This is insurance.

When you take out a so-called health insurance policy, it guarantees that when you get sick, the company will do all in its power to keep your health expenses as low as possible - even if it means preventing you from obtaining expensive procedures. Plenty of people have suffered from this. This is anti-insurance.

The process of preventing your doctor from helping you regain your health enables "health insurance" companies to become rich and politically powerful. They ruin our healthcare in many ways. As Hiltzik in the Los Angeles Time says:

The firms take billions of dollars out of the U.S. healthcare wallet as profits, while imposing enormous administrative costs on doctors, hospitals, employers and patients. They've introduced complexity into the system at every level. Your doctor has to fight them to get approval for the treatment he or she thinks is best for you. Your hospital has to fight them for approval for every day you're laid up. Then they have to fight them to get their bills paid, and you do too.

The "health insurance" companies spread propaganda constantly. They disseminate polls that show most people are satisfied with their "insurance." But as Hiltzik points out, most people are healthy and don't require much healthcare. But when a person gets really sick, then he encounters "insurance" red tape. It's been estimated that this red tape produces overhead expenses of at least 30%.

These anti-insurance companies are stealing us blind. And yet we don't seem to care. Worse! Some of us are dead set against the public option because it may hurt these anti-insurance companies! This is ridiculous. A publicly-run program is the only way to bring about competition. And it is only competition that may eventually transform these anti-insurance companies into real health insurance companies that worry about the healthcare of their customers.

We must replace the stifling health anti-insurance industry with a living health insurance industry. We can do this by enacting a true universal healthcare system with a robust public option that offers these companies real competition.

Posted by Paul Siegel at August 3, 2009 6:37 PM
Comments
Comment #285527

Paul you are right insurance companies are the problem and have been the problem in the health care arena for some time. A publicly run non profit insurance is the way to go for this Country. To bad we won’t get it this time round.

Posted by: j2t2 at August 3, 2009 7:00 PM
Comment #285530

L agree that the insurance companies are the problem, and that is exactly what we need is health insurance reform not health care reform. But we do need to cut out the unnecessary medical treatments and unnecessary trips to the ER.

Posted by: KAP at August 3, 2009 8:18 PM
Comment #285535

KAP isn’t the public option as envisioned by the Dems just that an insurance plan, and isn’t that what the conservatives are fighting tooth and nail to keep from happening. Competition in the free market system for health care insurance would be disastrous wouldn’t it?

Posted by: j2t2 at August 3, 2009 9:06 PM
Comment #285537

“But we do need to cut out the unnecessary medical treatments and unnecessary trips to the ER.”

I’m 48, and I have NEVER had either an unnecessary medical treatment or an unnecessary trip to the ER. I’ve had my appendix removed and an angioplasty/stent done on my heart.

Come to think of it, no one in my extended family (either of my parents, my 7 siblings, their spouses, ex-spouses, children, step-children and grandchildren) has ever had an unnecessary medical treatment or trip to the ER.

Not only that, nobody I personally know who would share that information with me has ever had an unnecessary medical treatment or trip to the ER.

I’m sure it occasionally happens but I doubt it happens very often.

You would have to be a real nutcase to allow such a thing to happen to yourself or someone you care about.

If we had universal health insurance coverage, those who do wait until a condition becomes an emergency before seeking treatment would probably do so a lot less often.

Posted by: Greg House at August 3, 2009 9:21 PM
Comment #285551

Well, we know the Reptile…err Republicant’s…. Republicans are bought and paid for by the healthcare industry. But we are learning all about the Blue-Cross-dog Demogogs…err Democrats.

http://www.msnbc.msn.com/id/22425001/vp/32277034#32277034

http://delong.typepad.com/sdj/2009/07/the-blue-dogs-have-been-bought-by-the-health-insurance-companies.html

Posted by: gergle at August 4, 2009 4:49 AM
Comment #285571

Thanks for the spam ed. I’ll be sure never to shop at those links.

Posted by: gergle at August 4, 2009 3:31 PM
Comment #285577

Greg
Your one of a few. I don’t use the ER or get unnecessary treatments either. But I do know some who do use the ER’s for anything from a sniffle to a stub toe and who get unnecessary treatments. Some I can understand who don’t have insurance.

Posted by: KAP at August 4, 2009 4:36 PM
Comment #285630

ANSWER ME JUST A FEW SIMPLE MINOR QUESTIONS:

1: PLEASE EXPLAIN THE SIMPLEST SHRED OF COMPETENCY
THE FEDERAL GOVERNMENT HAS SHOWN THAT IT IS
REMOTELY COMPETENT TO UNDERTAKE AN ISSUE OF
THIS MAGNITUDE. MEDICADE, MEDICARE, SOCIAL
SECURITY.

2: 77% OF THE “CITIZENS” IN OUR NATION ARE
SATISFIED WITH THERE HEALTH CARE. HOW CAN THE
ASTRONOMICAL SUMS BEING DISCUSSED BE JUSTIFIED
FOR 23% OF THE POPULATION.

3: WHERE ARE ALL THE EXTRA DOCTORS GOING TO COME
FROM FOR THE EXTRA 48 MILLION PEOPLE YOU WISH
TO ADD ?

4: PLEASE JUSTIFY THE INCLUSION OF OVER 12
MILLION ILLEGAL ALIENS TO THIS “IDEA”


5: AND MOST IMPORTANT, WHY THE RUSH?
IF THIS ISSUE IS SO IMPORTANT THEN SHOULDNT
THE PRIMARY FOCUS BE ON GETTING IT RIGHT, THAT
IS NOT ACCOMPLISHED IN A FEW DAYS BUT MONTHS
MAYBE EVEN A YEAR.

THANK YOU

Posted by: DAVE at August 5, 2009 12:04 PM
Comment #285645

Dave,

No need to shout.

1. the VA and Medicare are much more efficient and equally competent compared to private medicine.

2. 80% of people never really use their health care, because they are healthy. That’s a false statistic designed to decieve. See this link:
http://tauntermedia.com/2009/07/28/unconscionable-math/

3. No extra doctors are really needed. Some refocus of general versus specialist will need to occur over time. Most people live in cities, where there are plenty of doctors.

4.I don’t. Get rid of the illegals by jailing their employers. The Recession has caused illegal immigration to diminish and even reverse. I still don’t want dead foreigners in the street legal or illegal, do you?

5.Rush? These guys can’t read a bill on their vacation? Why? Get a clue.

Your Welcome.

Posted by: gergle at August 5, 2009 1:48 PM
Comment #285662

Insurance(OED), a. OF. enseurance

1. The action or a means, of ensuring or making certain

a1788 MICKLE Inq. Bramin Philos. (R.), An offering grateful to their gods, as the most acceptable insurance of the divine protection.
1706 FARQUHAR Recruit. Officer II. i, Silv. Shall I venture to believe public report? Plume. You may, when ‘tis backed by private insurance.

4. Comm. a. The act or system of insuring property, life, etc.; a contract by which the one party (usually a company or corporation) undertakes, in consideration of a payment (called a premium) proportioned to the nature of the risk contemplated, to secure the other against pecuniary loss, by payment of a sum of money in the event of destruction of or damage to property (as by disaster at sea, fire, or other accident), or of the death or disablement of a person
Also called ASSURANCE (and in 17th c. sometimes ENSURANCE)…Assurance is the earlier term, used alike of marine and life insurance before the end of 16th c. Its general application is retained in the titles and policies of some long-established companies…

1663 PEPYS Diary 1 Dec., Money was taken up upon bottomary and insurance, and the ship left by the master and seamen upon rocks where..she must perish.
1665 MANLEY Grotius’ Low C. Warres 80 The Covenant of preventing Danger (commonly called Insurance) frequent among Merchants, added a Shadow of Law; whereby the incertainty of the Event is usually transferred to another, with some certain Reward.
1693 E. HALLEY in Phil. Trans. XVII. 602 By what has been said, the Price of Insurance upon Lives ought to be regulated.
1711 Act 10 Anne c. 26 (title) An Act for laying additional Duties on Hides and Skins..Gilt and Silver Wire, and Policies of Insurance.
1786 JEFFERSON Writ. (1859) II. 26 Making further inquiry as to the premium of insurance at L’Orient for vessels bound to or from America.
1872 Wharton’s Law Lex. s.v., The practice of marine insurance is older than insurance against fire and upon lives. While all fire and life insurances are made at the risk of companies..a large proportion of marine insurances is made at the risk of individuals called under~writers.
1722 DE FOE Col. Jack (1840) 54 One Stewart..kept a wager-office and insurance.

e. The act or system of insuring employed persons against sickness or unemployment…which require certain wage-earners to make weekly payments supplemented by their employers, in return for which they are entitled to State assistance in sickness, unemployment, etc.

1841-4 EMERSON Ess., Self-Reliance Wks. (Bohn) I. 36 The insurance-office increases the number of accidents.
1874 B. F. TAYLOR World on Wheels, etc. II. ii. 199 He was an insurance agent, a retired doctor, who growing weary of saving lives with pills, had taken to insuring lives with policies.
1883 “MARK TWAIN”Life on Mississippi xliii. 436 Insurance-agency business, you know; mighty irregular.

Posted by: ohrealy at August 5, 2009 5:10 PM
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