Alaskan
The 1st Round Pick
You are so wrong Yusuf it isn’t even funny.
First of all, the insurance companies cover what they are contractually obligated to cover. Otherwise they are in danger of being sued. The bureaucrats (i.e. American citizens working for those companies) process the claims based upon the contracts and fulfill an important role in monitoring the rates physicians change and in some cases negotiate lower rates that are then passed on to the consumer. The fact is the Medicare denies more claims than insurance companies do and yet still is fraught with fraud. In fact many employer’s actually self insure their employees up to a stop loss point so that the insurance company has no vested interest in the amount of the claims but only make money on the processing fee.
My wife’s best friend has lupus which attacked her kidneys and she has had two kidney transplants both of which her body rejected) and so she goes to dialysis. They thought that she was reaching her lifetime maximum, but someone in the insurance company dug back at least 30 years and determined that she is still well below the max. If you expect some government bureaucrat to do that then obviously you have never dealt with the IRS. You can’t even get those guys on the phone.
One of the things we need to do is to separate health insurance from employment. If we all bought individual plans (like I do – I’m self employed) then we would be free to switch companies to ones that offer lower cost and better service. But again this market based approach is outright rejected by the left that can only see a government run nanny state solution.
As far as your so-called science based solutions run by the government we have seen how science get perverted in the whole global warming (opps it’s now climate change) industry.
Oh by the way, I just love the way you dismiss someone for just having GOP talking points and scare tactics while you use DEM talking points and anti-insurance company scare tactics.
First of all, the insurance companies cover what they are contractually obligated to cover. Otherwise they are in danger of being sued. The bureaucrats (i.e. American citizens working for those companies) process the claims based upon the contracts and fulfill an important role in monitoring the rates physicians change and in some cases negotiate lower rates that are then passed on to the consumer. The fact is the Medicare denies more claims than insurance companies do and yet still is fraught with fraud. In fact many employer’s actually self insure their employees up to a stop loss point so that the insurance company has no vested interest in the amount of the claims but only make money on the processing fee.
My wife’s best friend has lupus which attacked her kidneys and she has had two kidney transplants both of which her body rejected) and so she goes to dialysis. They thought that she was reaching her lifetime maximum, but someone in the insurance company dug back at least 30 years and determined that she is still well below the max. If you expect some government bureaucrat to do that then obviously you have never dealt with the IRS. You can’t even get those guys on the phone.
One of the things we need to do is to separate health insurance from employment. If we all bought individual plans (like I do – I’m self employed) then we would be free to switch companies to ones that offer lower cost and better service. But again this market based approach is outright rejected by the left that can only see a government run nanny state solution.
As far as your so-called science based solutions run by the government we have seen how science get perverted in the whole global warming (opps it’s now climate change) industry.
Oh by the way, I just love the way you dismiss someone for just having GOP talking points and scare tactics while you use DEM talking points and anti-insurance company scare tactics.