Thoughts on the passage of the health care bill?

[Casca]

[quote=afx114]I am happy for my 5-year old cousin who has been unable to correct a crooked eye because his insurance has decided that it is a pre-existing condition and not cover-able.

I am happy for my brother who is self-employed and is unable to get reasonably priced insurance to repair the hernia that is causing him incredible discomfort.

I am happy for my mom who is too young to get Medicare but too weak from her Still’s disease to get a job that provides health care and medication at a decent price.

I am happy that as a self-employed entrepreneur, I will be able to provide health insurance for my family and afford my wife the luxury of working at a job that she enjoys rather than working at a job that provides us with health insurance.

So, yes, I am happy.[/quote]

I am sad that as a family you all can’t get it together to take care of each other.

[Anonymous]

Bob, you said
“You can’t take more out of an INSURANCE program ON A CONTINUOUS BASIS than you put in. For all those that think they should only have to pay $200 a month for a prescription program, but know that their pre-existing condition means they must draw out $1000 per month, the need to understand this is no longer an insurance issue. Insurance premiums are based on a risk calculation, not sure thing.”

From the point of view of an individual (or of an insurer looking at a particular individual), you are correct that insurance premiums are based ona risk calculation. But if one considers the societal purpose of insurance — to distribute the costs of accidents, disease or other misfortune — then we have every reason to cover pre-existing conditions. The trick in a private, voluntary insurance system is to get people to buy insurance and not just wait until they have a reason to.

Ucodegen mentioned he is “basically” self-insured. Although I don’t know the details, I would guess he does not mean that literally. What we need to remember is that we have a social compact to cover anyone whose losses are so catastrophic or needs become so great that he or she cannot pay. We hope Ucodegen does not face the heartache of becoming that destitute but the possibility is there. Personally, I think a program that tries to get thirty million more people into a covered plan is smart and will avoid a lot of heartache and cost in the long run.

[Anonymous]

Bob, you said
“You can’t take more out of an INSURANCE program ON A CONTINUOUS BASIS than you put in. For all those that think they should only have to pay $200 a month for a prescription program, but know that their pre-existing condition means they must draw out $1000 per month, the need to understand this is no longer an insurance issue. Insurance premiums are based on a risk calculation, not sure thing.”

From the point of view of an individual (or of an insurer looking at a particular individual), you are correct that insurance premiums are based ona risk calculation. But if one considers the societal purpose of insurance — to distribute the costs of accidents, disease or other misfortune — then we have every reason to cover pre-existing conditions. The trick in a private, voluntary insurance system is to get people to buy insurance and not just wait until they have a reason to.

Ucodegen mentioned he is “basically” self-insured. Although I don’t know the details, I would guess he does not mean that literally. What we need to remember is that we have a social compact to cover anyone whose losses are so catastrophic or needs become so great that he or she cannot pay. We hope Ucodegen does not face the heartache of becoming that destitute but the possibility is there. Personally, I think a program that tries to get thirty million more people into a covered plan is smart and will avoid a lot of heartache and cost in the long run.

[Anonymous]

Bob, you said
“You can’t take more out of an INSURANCE program ON A CONTINUOUS BASIS than you put in. For all those that think they should only have to pay $200 a month for a prescription program, but know that their pre-existing condition means they must draw out $1000 per month, the need to understand this is no longer an insurance issue. Insurance premiums are based on a risk calculation, not sure thing.”

From the point of view of an individual (or of an insurer looking at a particular individual), you are correct that insurance premiums are based ona risk calculation. But if one considers the societal purpose of insurance — to distribute the costs of accidents, disease or other misfortune — then we have every reason to cover pre-existing conditions. The trick in a private, voluntary insurance system is to get people to buy insurance and not just wait until they have a reason to.

Ucodegen mentioned he is “basically” self-insured. Although I don’t know the details, I would guess he does not mean that literally. What we need to remember is that we have a social compact to cover anyone whose losses are so catastrophic or needs become so great that he or she cannot pay. We hope Ucodegen does not face the heartache of becoming that destitute but the possibility is there. Personally, I think a program that tries to get thirty million more people into a covered plan is smart and will avoid a lot of heartache and cost in the long run.

[Anonymous]

Bob, you said
“You can’t take more out of an INSURANCE program ON A CONTINUOUS BASIS than you put in. For all those that think they should only have to pay $200 a month for a prescription program, but know that their pre-existing condition means they must draw out $1000 per month, the need to understand this is no longer an insurance issue. Insurance premiums are based on a risk calculation, not sure thing.”

From the point of view of an individual (or of an insurer looking at a particular individual), you are correct that insurance premiums are based ona risk calculation. But if one considers the societal purpose of insurance — to distribute the costs of accidents, disease or other misfortune — then we have every reason to cover pre-existing conditions. The trick in a private, voluntary insurance system is to get people to buy insurance and not just wait until they have a reason to.

Ucodegen mentioned he is “basically” self-insured. Although I don’t know the details, I would guess he does not mean that literally. What we need to remember is that we have a social compact to cover anyone whose losses are so catastrophic or needs become so great that he or she cannot pay. We hope Ucodegen does not face the heartache of becoming that destitute but the possibility is there. Personally, I think a program that tries to get thirty million more people into a covered plan is smart and will avoid a lot of heartache and cost in the long run.

[Anonymous]

Bob, you said
“You can’t take more out of an INSURANCE program ON A CONTINUOUS BASIS than you put in. For all those that think they should only have to pay $200 a month for a prescription program, but know that their pre-existing condition means they must draw out $1000 per month, the need to understand this is no longer an insurance issue. Insurance premiums are based on a risk calculation, not sure thing.”

From the point of view of an individual (or of an insurer looking at a particular individual), you are correct that insurance premiums are based ona risk calculation. But if one considers the societal purpose of insurance — to distribute the costs of accidents, disease or other misfortune — then we have every reason to cover pre-existing conditions. The trick in a private, voluntary insurance system is to get people to buy insurance and not just wait until they have a reason to.

Ucodegen mentioned he is “basically” self-insured. Although I don’t know the details, I would guess he does not mean that literally. What we need to remember is that we have a social compact to cover anyone whose losses are so catastrophic or needs become so great that he or she cannot pay. We hope Ucodegen does not face the heartache of becoming that destitute but the possibility is there. Personally, I think a program that tries to get thirty million more people into a covered plan is smart and will avoid a lot of heartache and cost in the long run.

[Aecetia]

Christmas came early this year:

“It’s just going to be like Christmas,” said DeCarlo Flythe, who lost health coverage for his family when he was laid off almost three years ago. “It’s going to be great. You know, no worries (about) the bills. We are going to go ahead and pay our co-pay and be alright.”

http://www.wral.com/news/local/story/7281166/

Good luck with that….

[Aecetia]

Christmas came early this year:

“It’s just going to be like Christmas,” said DeCarlo Flythe, who lost health coverage for his family when he was laid off almost three years ago. “It’s going to be great. You know, no worries (about) the bills. We are going to go ahead and pay our co-pay and be alright.”

http://www.wral.com/news/local/story/7281166/

Good luck with that….

[Aecetia]

Christmas came early this year:

“It’s just going to be like Christmas,” said DeCarlo Flythe, who lost health coverage for his family when he was laid off almost three years ago. “It’s going to be great. You know, no worries (about) the bills. We are going to go ahead and pay our co-pay and be alright.”

http://www.wral.com/news/local/story/7281166/

Good luck with that….

[Aecetia]

Christmas came early this year:

“It’s just going to be like Christmas,” said DeCarlo Flythe, who lost health coverage for his family when he was laid off almost three years ago. “It’s going to be great. You know, no worries (about) the bills. We are going to go ahead and pay our co-pay and be alright.”

http://www.wral.com/news/local/story/7281166/

Good luck with that….

[Aecetia]

Christmas came early this year:

“It’s just going to be like Christmas,” said DeCarlo Flythe, who lost health coverage for his family when he was laid off almost three years ago. “It’s going to be great. You know, no worries (about) the bills. We are going to go ahead and pay our co-pay and be alright.”

http://www.wral.com/news/local/story/7281166/

Good luck with that….

[dbapig]

Bob obviously doesn’t understand how insurance works.

[dbapig]

Bob obviously doesn’t understand how insurance works.

[dbapig]

Bob obviously doesn’t understand how insurance works.

[dbapig]

Bob obviously doesn’t understand how insurance works.

[Author]

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