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Private Medical Insurance in the U.S.
Message
From
02/01/2009 14:10:15
 
 
To
02/01/2009 14:02:43
General information
Forum:
Politics
Category:
Other
Miscellaneous
Thread ID:
01370316
Message ID:
01370744
Views:
17
>>>>>>>>>>>In case you're wondering, the girls and I do have health insurance, paid for out of my pocket. It costs about $400 a month, which is $400 more than I am making at the moment. I am happier paying it, even though we hardly use it, because this way I can sleep at night. For a while we had no coverage and I passed more than one 3 a.m. worrying what would happen if some catastrophic medical situation arose.
>>>>>>>>>>
>>>>>>>>>>Health insurange should be pay by employers. We don't pay money for that there. I can go any public hospital or %95 of private hospitals (at private hospitals I should be pay a bit money).
>>>>>>>>>>
>>>>>>>>>>Just if you want to a really speacial health insurange you pay money there. Some employers pay that too...
>>>>>>>>>
>>>>>>>>>I believe that health care should be available for all and more importantly, affordable for all.
>>>>>>>>>
>>>>>>>>>However, I do not think that the cost should be born solely by employers. One of the great things about this country is the ability for anyone to start their own business and succeed at it. The cost of medical insurance for small businesses would be too prohibitive for small companies. I think it should be a shared expense: a percentage paid by employers and the remainder paid by individual taxes. The percentage paid by employers should also be stepped up or down based on net profit. The working would carry the unworking of course just as they do now but those in lower income brackets would be able to have affordable medical care.
>>>>>>>>>
>>>>>>>>>Is that socialized medical care? Yes. I am ok with that.
>>>>>>>>
>>>>>>>>Do you agree that everyone should receive the same treatment, with no payment?
>>>>>>>
>>>>>>>I don't understand your question.
>>>>>>
>>>>>>I just asked the same question to Bill, and, after some difficulties :), we got understanding. What causes you troubles with my question? The ideal universal system: everyone can come to doctor/hospital and get the same level of treatment. No payment, no discrimination by any criteria. Is it something you would support?
>>>>>
>>>>>Your question was too vague to answer (to me). What does no payment mean? No payment ever? Does paying for medical care or insurance via taxes constitute payment? Does the employer contributing towards that cost constitute payment? What does no discrimination mean? Are you referring to income levels, race, sexual preference, age, severity of medical case, or all of those?
>>>>
>>>>I am not asking you from where money come to support the system. 'No payment' means no payment at the point of service, i.e. when someone gets sick and comes to doctor/hospital no payment is due; i.e. it is not about taxes. 'No discrimination' means the same level of service for everyone.
>>>>Can you answer my question now, please?
>>>
>>>Yes and yes.
>>
>>Terrific. You probably guess what is my next question. It is about the level of the service. Should be this level on par with the most universal system that we have now (i.e. medicaid), or should it be better, or should it be worse?
>
>Answering that question requires specific knowledge on any difference that may or may not exist between the level of service for Medicaid patients and that of private insurance patients. There is a known difference in level of service between all insured patients and those who pay to belong to Concierge Care' Practices...

Could you answer my question in theoretical way? It is futile to expect that someone knows all aspects of coverage for any insurance policy existing in USA. I believe you already see what kind of implications can result from the answer. Could you answer it already based on these implications?
Edward Pikman
Independent Consultant
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