Quote:
Originally Posted by ratbastid
I'm coming to this thread late, but this quote:
...speaks to precisely what's wrong with our current system. You know who else talks in terms of payout ratios being in their favor? Casinos.
Insurance Companies are basically big gambling operations, where people bet against the house that they'll get sick some day, and gamble that on that day the house will honor its agreement to pay out.
Lots of people would be better off putting their premiums into a slot machine.
ALSO: I think it's very strange that people get their insurance through where they work. Really... If that wasn't "how it is", and somebody came along and proposed that, I think we'd all look at them funny. These days, anyway--back when you got a job and it was your job for life, and your pension and retirement came from there, it made more sense. These days, not so much. Why not get insurance through your church? Or your neighborhood watch association? That would be about as strange. The two things that make ANY real sense, logistically speaking, are private insurance, and government insurance.
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You could get insurance through your church, or any association you belong to as long as they form a group. Group Health insurance is way cheaper than inidvidual insurance, especially if you have any health problems. If you have pre-exes you will be covered under a group plan but you would be unlikely to obtain individual coverage, at the least it would be extremely expensive that is why there is group coverage.
---------- Post added at 02:37 PM ---------- Previous post was at 02:36 PM ----------
Quote:
Originally Posted by Derwood
right, so you're arguing from a personal point of view rather than a national one. completely understandable considering your job. somehow I doubt that every work in the private insurance industry would lose their jobs
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Everyone is private health insurance would, and depending on the type of plan the government puts out, Everyone in the supplemental market like myself would also. The only insurance agents left would be life insurance, and property and casualty.
---------- Post added at 02:41 PM ---------- Previous post was at 02:37 PM ----------
Quote:
Originally Posted by SirSeymour
Find me another way for insurance companies to act ethically and I will listen but right now I don't see it. The drive to post a bigger profit is killing heathcare in this nation, in my humble opinion.
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just like any business or government agency, there are those who act ethically and those who don't but the vast majority of health insurance companies act ethically. They are strictly regulated by each states department of insurance so if you think this problem is solely the fault of the big bad insurance companies think again. Premiums go up as a result of the cost of care going up.