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Clinton unveils mandatory health care insurance plan
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<blockquote data-quote="traveler" data-source="post: 243783" data-attributes="member: 1954"><p>Actually, she would <u><strong>mandate</strong></u> that everyone purchase heath care insurance. <strong>I don't want insurance!</strong> I priced it about five years ago when my wife retired and found that with our pre-existing conditions we would pay quite a bit. (She was the provider of our insurance while she worked) Generally, my wife and I are quite healthy and we decided to go it without. In the last five years, only in one year would I have received more in reimbursement that I paid in premiums and not a great deal more either. Part of this is due to the <strong><u>fact</u></strong> that my wife and I have negotiated our own discount for the treatment we receive. All of our doctors charge us what Medicare reimburses them. That is far below their stated rates. The local hospital allows 40% off if you pay the bill at the time of the procedure. Our drugs come from Canada, England or other countries. We also found that in India, you can purchase drugs at any pharmacy without a prescription and at extremely low rates. The quantities are not limited either. (Example, a package of 10 allergy drugs (claratin) cost us $1.15.) We also have the option of choosing <strong><u>any</u></strong> doctor we desire. We do not <strong><u>need</u></strong> a referral for care by a specialist. All our medical decisions are made by us, not some insurance company clerk.</p><p> </p><p>I do believe that one of the problems in the USA is that employers have supplied coverage for most of their workers. Americans feel that top of the line health-care is their right. Those with insurance mostly <strong><u>never</u></strong> look at the charges as would one without insurance does and therefore, in many cases, insurance pays the top rate for their treatment. Of course many insurers have deals with certain doctors and hospitals but that forces the insured to use the facilities the insurance company dictates. In some (many cases), not the best or the most desirable decision. Although it will never happen, if <u><strong>no one had health insurance</strong></u>, I believe prices would be forced down by supply vs. demand. A true free market system. Of course this would have many other not so great side effects such as people going without treatment or taking the cheapest not the best treatment.</p><p> </p><p>I don't believe that mandated health insurance is the answer but, unfortunately, I don't have any solution for this problem. I don't think "give it a try" is the answer either. Have you ever seen the government get into something and admit it was not a good idea and then pull out?</p></blockquote><p></p>
[QUOTE="traveler, post: 243783, member: 1954"] Actually, she would [U][B]mandate[/B][/U] that everyone purchase heath care insurance. [B]I don't want insurance![/B] I priced it about five years ago when my wife retired and found that with our pre-existing conditions we would pay quite a bit. (She was the provider of our insurance while she worked) Generally, my wife and I are quite healthy and we decided to go it without. In the last five years, only in one year would I have received more in reimbursement that I paid in premiums and not a great deal more either. Part of this is due to the [B][U]fact[/U][/B] that my wife and I have negotiated our own discount for the treatment we receive. All of our doctors charge us what Medicare reimburses them. That is far below their stated rates. The local hospital allows 40% off if you pay the bill at the time of the procedure. Our drugs come from Canada, England or other countries. We also found that in India, you can purchase drugs at any pharmacy without a prescription and at extremely low rates. The quantities are not limited either. (Example, a package of 10 allergy drugs (claratin) cost us $1.15.) We also have the option of choosing [B][U]any[/U][/B] doctor we desire. We do not [B][U]need[/U][/B] a referral for care by a specialist. All our medical decisions are made by us, not some insurance company clerk. I do believe that one of the problems in the USA is that employers have supplied coverage for most of their workers. Americans feel that top of the line health-care is their right. Those with insurance mostly [B][U]never[/U][/B] look at the charges as would one without insurance does and therefore, in many cases, insurance pays the top rate for their treatment. Of course many insurers have deals with certain doctors and hospitals but that forces the insured to use the facilities the insurance company dictates. In some (many cases), not the best or the most desirable decision. Although it will never happen, if [U][B]no one had health insurance[/B][/U], I believe prices would be forced down by supply vs. demand. A true free market system. Of course this would have many other not so great side effects such as people going without treatment or taking the cheapest not the best treatment. I don't believe that mandated health insurance is the answer but, unfortunately, I don't have any solution for this problem. I don't think "give it a try" is the answer either. Have you ever seen the government get into something and admit it was not a good idea and then pull out? [/QUOTE]
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