Quote:
Originally Posted by ASU2003
If they want to change it, they will need to phase it is slowly. Start with emergency and accident coverage for everyone. This takes care of most large bills and won't be abused. It will lower the risk of insurance companies having to pay out or fight paying out big money. It will take away a lot of worry that comes when you don't have insurance and get seriously injured.
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I like this idea, it is the large almost unsurmountable bill for a serious injury or accident that worries me most. Those who have saved and acquired some small amount of prosperity have the most to loose. I know several people who thought they had good coverage who lost almost everything trying to keep up with the bills.
The argument many use against this kind of catastropic coverage is that it won't encourage people to visit the doctor for the small things which can become chronic if not treated. From what I can tell talking with family and friends, there seems to be way too many prescription drugs being consumed which of course requires visits to the doctor for more. I think the statistics will back this up and something should be done to eliminate or reduce the costs if we go with a national plan. Many of these drugs are becoming almost recreational.