| Sep 27 @ 12:51 PM |
What type of health insurance do you think we should have in the U.S.A.?
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Bj864
Posts: 3,967
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Do you think it should remain as it is?
Do you think it should be a single payor?
Do you think it should be a mixture, such as having both a public and a private option?
Myself I would like to see the public option with the private insurance or have a single payor system with supplements sold by private insurance (for lowered amounts).
I think it would be a lot less complicated if we simply used Medicare for everyone and let private insurance pick up the supplements (also based on income). I think the medicare premiums should be based on your income and private insurance could still be available for those in high brackets who do not want to pay higher premiums due to high incomes.
Dr Oz stated that he liked the way German handles theirs. It sounds pretty decent too.
http://www.nchc.org/documents/Germany.pdf
The one thing I do not want to see happen, is to continue on the same way. We are bankrupting the country and it's people. Also, too many people are not covered at all or are getting sub standard care.
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| Sep 27 @ 1:04 PM |
What type of health insurance do you think we should have in the U.S.A.? |
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SweetNapaGuy
Posts: 8,528
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From a purely pragmatic point of view (which is how I tend to base my politics; idealism and ideology tends to forget that PEOPLE are at stake...), I'd think that at the minimum, preventative care.
There are so many problems that, because of the want of a few dollars, lives are put at risk. Symptoms are ignored until someone is seriously ill and in the emergency room. If we focused on keeping preventable problems under control, a lot of lives could be saved. And, incidentally, businesses would benefit by not losing trained employees to illness, disability, and death.
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| Sep 27 @ 2:05 PM |
What type of health insurance do you think we should have in the U.S.A.?
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Nightowl001
Posts: 7,509
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Myself I would like to see the public option with the private insurance or have a single payor system with supplements sold by private insurance (for lowered amounts).
I think it would be a lot less complicated if we simply used Medicare for everyone and let private insurance pick up the supplements (also based on income). I think the medicare premiums should be based on your income and private insurance could still be available for those in high brackets who do not want to pay higher premiums due to high incomes. That doesn't sound terrible to me, Bj. I've said before that a single-payor option is the one that really makes the most sense. One of the benefits to a single-payor system is that every healthcare provider knows they're going to get paid. No write-offs as bad debts. No collection agencies chasing people down to get 45% of the bill. I think the savings that would be seen there are frequently overlooked in the debate.
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| Sep 27 @ 2:14 PM |
What type of health insurance do you think we should have in the U.S.A.? |
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lacyvsq
Posts: 6,176
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Insurance is a gambling arena. People buy insurance in order to share the risk. The only legal/government interference should be to assure that contracts are enforced. A vital part of contracts is clear understanding by all parties. The courts should not be for sale to the deepest pockets.
The biggest problem with insurance is lack of clarity about the terms of the contract and the high cost of litigating breaches of the contract -- both in money and time. Better availability of juries to decide when the terms of the contract have been obscured or breached by the huge insurance companies and better education on negotiating, reading and understanding contracts would alleviate many of the problems. Recognition of insurance as a gamble would also help.
All gambling should be strictly voluntary.
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| Sep 27 @ 2:29 PM |
What type of health insurance do you think we should have in the U.S.A.?
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Gallows_Humor
Posts: 13,674
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I think the kiss approach would stop all the litigation and arguments... everyone should get the same heathcare..period
I think that the for profit aspect should be removed from not only insurance..but the whole medical field
health insurance used to be primarily for spreading the loss /risk amongst members of the co op.. ..but now is primarily a "for profit" venture designed to make a company money ( at the expense of the individual )....so I think insurance companies should be replaced by government ...
in short..Obama's plan comes the closest to ...what I want...
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| Sep 27 @ 2:41 PM |
What type of health insurance do you think we should have in the U.S.A.? |
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Josuha
Posts: 1,121
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What's with the 'we'?
I don't recall having any more dependents.
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| Sep 27 @ 7:04 PM |
What type of health insurance do you think we should have in the U.S.A.?
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Bj864
Posts: 3,967
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health insurance used to be primarily for spreading the loss /risk amongst members of the co op.. ..but now is primarily a "for profit" venture designed to make a company money ( at the expense of the individual )....so I think insurance companies should be replaced by government ...
in short..Obama's plan comes the closest to ...what I want...
VERY good point.
We DO have to recognize that insurance is a FOR PROFIT industry.
We DO have to recognize that GREED for MORE and MORE profit usually takes over. AND it HAS.
Health insurance has become totally un affordable for all but the wealthy and the few that have decent insurance at work (that is usually a government job).
When this happens, to me, there is no other alternative but for government to take over. This is where we are at the moment.
So the question to me is not whether the government should take over, but with what sort of plan or plans.
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| Sep 27 @ 7:51 PM |
What type of health insurance do you think we should have in the U.S.A.? |
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Jankia
Posts: 11,912
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Have the government pay for all the healthcare for people under 18-over 65 and disabled.Put restrictions on all medical care facilities to follow a mandatory charge rate set yearly by the govt not to exceed the money available through a Federal sales tax for healthcare.
Everyone else gets private insurance.Those that cannot afford private insurance pay for there own healthcare.Uninsured persons can still get healthcare but the providers cannot charge more then 20% above the govt mandate set for the elderly,disabled and under 18.
Anyone admitted to medical care with a health problem associated with alchohol,tobacco,illegal drugs or operating a motor vehicle under the influence of any of them whether they have insurance or not...pay for there own healthcare.
If they cant afford it...they either dont get it or after they do the money is taken from them.
Limit all malpractice lawsuits to $150,000.
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| Sep 27 @ 8:28 PM |
What type of health insurance do you think we should have in the U.S.A.?
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lacyvsq
Posts: 6,176
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When this [totally un affordable] happens, to me, there is no other alternative but for government to take over. This is where we are at the moment.
So, if electricity or phones or food or clothing or shelter become unaffordable, is there no alternative but for government to take over? What has made you believe that insurance is a necessity of life? I can assure you that many many people have survived and thrived without it for centuries.
Now food, shelter and clothing? Those are necessities.
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| Sep 27 @ 9:11 PM |
What type of health insurance do you think we should have in the U.S.A.? |
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newlife2006
Posts: 860
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The point is - we need HEALTHCARE , not "health insurance".
Insurance is , by definition , about something we can ( and should ) not let happen. It's rare , unlikely and in most cases preventable event. For these cases anyone in this country ALREADY has "insurance" - it's called hospital Emergency Room.
Healthcare , on the other hand, is a preventive, health mantaining , routine process.
Therefore, the whole idea of "healthcare insurance" is oxymoron - like, say "housing insurance" ,"elementary education insurance" or "grocery shopping insurance" ... 
Healthcare , like food , housing and minimal education is hardly " emergency" , it's life necessity. You either get it , or you are not going to make it as adequate human being. If half of the population of one the world's wealthiest country cannot afford any of this - it means that something is terribly wrong with the system... 
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| Sep 27 @ 10:04 PM |
What type of health insurance do you think we should have in the U.S.A.?
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lacyvsq
Posts: 6,176
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The point is - we need HEALTHCARE , not "health insurance".
 Precisely!
Now we just need to get a better definition of health care -- because medicine and lab tests and surgery are not health care. Health care is good nutrition along with adequate sunshine, rest and exercise/recreation. Health is impaired by distress, ingestion of toxins and poor mechanics (moving one's body in ways for which it is not designed or prepared).
I'll take any assistance government wants to provide to tell me what is and is not in my food and water, to keep the chemtrails out of the sky, to stop the HAARP radiation, to reduce stressors on my life (by staying out out of my personal life and out of the affairs of foreign governments). I do not need medicine or lab tests or surgery... but if I should desire any of those in the future, I will find a way to obtain them without government help!
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| Sep 27 @ 10:36 PM |
What type of health insurance do you think we should have in the U.S.A.? |
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SensualGemini
Posts: 6,923
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BJ: Do you think it should be a single payor?
...If there is to be a social health care plan, absolutely!
...And that eliminates about 95% of the BS plan they are dreaming up now, that includes hundreds of insurance companies, no negotiations for pharmaceuticals, benefits being taxed and will result in lower health care quality for all, at twice the price they are predicting.
...Once again, if it is a government program, then why do we need insurance companies in the middle of it all? Expand and revise Medicaid and you have a single payer system... government and the taxpayer, which really makes it millions of payers.
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| Sep 28 @ 12:20 PM |
What type of health insurance do you think we should have in the U.S.A.?
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Bj864
Posts: 3,967
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What has made you believe that insurance is a necessity of life? I can assure you that many many people have survived and thrived without it for centuries.
It sounds to me like you have been a very lucky person.
What if you were in an auto accident?
What if you get cancer or diabetes?
What if you have a heart attack?
What if you get shot?
What if you need a C section?
Etc etc...................
To say people don't need health insurance is saying to them that they can just suffer and die with no help.
Sure some people thrive, but that is usually the ones who are fortunate enough to live in a clean air, clean food and clean water environment. It is also usually people that have the means to afford a better standard of living. Even then, accidents happen.
SL I agree about the single payor, but we both know they are NOT going to take the profits away from the insurance industry, don't we? Therefore I look for the next best alternative.
Dennis Kucinich is STILL trying to get something going on the single payor, but isn't having much luck. 
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| Sep 28 @ 12:38 PM |
What type of health insurance do you think we should have in the U.S.A.? |
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lacyvsq
Posts: 6,176
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To say people don't need health insurance is saying to them that they can just suffer and die with no help.
No, I am saying that for help and care, we should turn to one another, not to a bloated government which cannot care and has shown over its 'lifetime' that it is there to promote imperialistic war and provide economic gains for bankers and multinational corporations, not offer help to people. (All of the money that is designated for scientific research eventually pays off in patents and contracts for big companies.)
We need to expend our energies toward helping our neighbor (the guy next to us with a face, not those off in a distance who could just be mannequins or cardboard cut-outs)... In so doing, we help ourselves.
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| Sep 28 @ 1:05 PM |
What type of health insurance do you think we should have in the U.S.A.?
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SensualGemini
Posts: 6,923
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BJ: SL I agree about the single payor, but we both know they are NOT going to take the profits away from the insurance industry, don't we? Therefore I look for the next best alternative.
...That very conditioned attitude is why and how government continues to rape the population by being the best paid Congress in the world by both the taxpayer and the interest groups that put them there.
...When the best is available at a much lesser cost, why anyone would settle for second or third or tenth is beyond my comprehension.
...But yes, we can agree that until there is either a change in government, or government collapses under it's own self serving interest, Congress is not going to cease with the raping of America. Why should they, when the majority accept it as a normality?
...Nevertheless, talking about it on a small site is not going to change anything and I have work to do.
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| Sep 28 @ 7:39 PM |
What type of health insurance do you think we should have in the U.S.A.? |
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Bj864
Posts: 3,967
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...But yes, we can agree that until there is either a change in government, or government collapses under it's own self serving interest, Congress is not going to cease with the raping of America. Why should they, when the majority accept it as a normality?
...Nevertheless, talking about it on a small site is not going to change anything and I have work to do.
It is going to take a lot of people to band together to make a difference. I have worked very hard over the last 8 years to try to stop wars and all kinds of other things, but I haven't seen nearly enough people that give a darn about what is going on. I decided the thing for me to do was back off and save some of my energy until enough of the American people wake up and help.
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| Sep 28 @ 7:44 PM |
What type of health insurance do you think we should have in the U.S.A.?
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arieann
Posts: 2,086
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Have you noticed how liberals always say
Loreli made me do it.
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| Sep 28 @ 7:46 PM |
What type of health insurance do you think we should have in the U.S.A.? |
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Bj864
Posts: 3,967
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Do what?
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| Sep 28 @ 7:49 PM |
What type of health insurance do you think we should have in the U.S.A.?
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Loreli
Posts: 25,413
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I am saying that for help and care, we should turn to one another, not to a bloated government which cannot care and has shown over its 'lifetime' that it is there to promote imperialistic war and provide economic gains for bankers and multinational corporations, not offer help to people. (All of the money that is designated for scientific research eventually pays off in patents and contracts for big companies.) Man, Lacy....
I would NEVER trust YOU with my child's health....who should?
You're an "each other"
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| Sep 28 @ 7:57 PM |
What type of health insurance do you think we should have in the U.S.A.? |
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lacyvsq
Posts: 6,176
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Man, Lacy....
I would NEVER trust YOU with my child's health....who should?
You're an "each other"
 huh?
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