Obama and the Spineless Republicans

[pamsback]

  Diane...I'm fixin to be 50....I have lived a VERY active life and one thing I DON'T want to think about is when I can't get around and do anymore. Actually...no I wouldn't accept it beCAUSE I'm gettin to the age where I would just be grabbin for more no matter how and I really don't believe in that anymore.
My KIDS HAVE insurance thru their jobs. If they needed a kidney I'd give it to em and figure out how to pay for it. Ashley is the only one still at home and Joes insurance from work covers her. Everybody in my family knows my wishes and will respect them.
Yeah shit happens...people end up in debt....people make payments.

And no I ain't ready to die...hope I live to be a hundred long as I have my mind and can get around......but if I get where I don't even remember who I am or who my family is?  Just let me die. If I get cancer? Just let me go. If all I can do is sit and slobber down my chin? Just let me go on Home. And that's the way I actually feel about it.  I was makin an observation.... this really ain't up for argument yknow?

[Varmit]

I agree we need health care reform.... what do think of these w/o government intervention?

**Stopping insurance companies from charging older Americans unaffordable premiums because of their age.
**Ending the practice of excluding people from insurance because of pre-existing conditions.
**Holding down health costs and making insurance coverage more affordable for all Americans.
**Making prescription drugs more affordable by narrowing the Medicare doughnut hole, bringing generics to market faster, and allowing Medicare to negotiate better drug prices

Warph, I have to disagree with you here.  In my opinion, we need tort reform, not healthcare reform.  I don't think the gov't should be telling any company (not just insurance compaines) what they can or can't charge.  As folks get older, the risk for insurance companies goes up, so the premiums go up.  To me, its like a bank charging someone with bad credit a higher interest rate for a loan.  Also, insurance companies should have the same basic rights as every other private business in that they should be allowed to refuse service to anyone they choose. 

[Varmit]

Get credit???  I don't think so.  Just because you didn't need to use the insurance, doesn't mean the service wasn't there.  If you needed it then you had it.  It is an insurance policy, not a savings account.  Should we not pay police officers just because they hadn't needed to make an arrest in a while?

[pamsback]

Get credit???  I don't think so.  Just because you didn't need to use the insurance, doesn't mean the service wasn't there.  If you needed it then you had it.  It is an insurance policy, not a savings account.  Should we not pay police officers just because they hadn't needed to make an arrest in a while?

I totally get Dianes point on this Varmit....I've been payin car insurance since I was 18 and have NEVER had a claim of any kind....think what I could do with THAT chunk of change........

[Varmit]

I understand what you are saying about insurance.  However, I think you missed my point.  Just because a person has never had to file a claim doesn't mean that they didn't use their insurance.  Most insurance is purchased on a time line, meaning that it has a starting and ending point.  Car insruance for example is purchased to cover the owner from having to pay 100% of the cost of a claim, or damages.  Just because the car owner never had an accident doesn't mean that their insurance wasn't used.  They were covered by their insurance for term length of their policy.  So it is not as if the insurance companies just took their money without returning a service.

[pamsback]

Gee Billy thanks for explaining the complex theory of how insurance works to me  I never knew that before......(that's sarcasm for those of you who don't get it)

[Varmit]

just explaining my point of view. 

[Anmar]

Billy,

I'm not sure what world you are living in, but health insurance companies are pretty much committing fraud on a large scale basis.  Imagine that you have been paying health care premiums for a few years now, and one day you get diagnosed with prostate cancer.  you start treatment right away at your local hospital and a few days later you get a letter from your insurance company saying that they aren't going to pay the bills and that you've been dropped from the policy.  You've already displayed that you know how insurance works, so I'm going to assume that you realize that in this scenario, the insurance company is not coming through on their end of the deal.  This is is one of the things they are trying to reform.  How can you not see a problem here?  Even the most ardent conservatives in the congress believe that something needs to be done (the sell-outs not included)

[Varmit]

Anmar, I agree that something like that is wrong.  And if it were happening on the scale that healthcare propents say that it is, then yes, the gov't should step in to protect the people.  However, from what I have seen with the expirence of all but one of my grandparents dying of cancer, that is not the case.  I think that issues like the one you mentioned should be dealt with in the courts, not in congress. 

[srkruzich]

Billy,

I'm not sure what world you are living in, but health insurance companies are pretty much committing fraud on a large scale basis.  Imagine that you have been paying health care premiums for a few years now, and one day you get diagnosed with prostate cancer.  you start treatment right away at your local hospital and a few days later you get a letter from your insurance company saying that they aren't going to pay the bills and that you've been dropped from the policy.  You've already displayed that you know how insurance works, so I'm going to assume that you realize that in this scenario, the insurance company is not coming through on their end of the deal.  This is is one of the things they are trying to reform.  How can you not see a problem here?  Even the most ardent conservatives in the congress believe that something needs to be done (the sell-outs not included)

Well most health insurance has a exclusion for cancer, you can buy a rider to cover cancer but if it is normally covered under the policy then if they insurance company drops you file a complaint with the insurance commissioner.  IF nothing is done then he is not doing his job.  Take it to his boss.