Wednesday, November 25, 2009

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On Health and Money Blog -- U.S. News & World Report

A Big Insurance Problem: Too Little Coverage

June 12, 2008 12:46 PM ET | Michelle Andrews | Permanent Link | Print

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Insurance coverage

You are right. alot of people don't have health Insurance, and can't afford it! But in my case is a little differant, I was terminated from my Insurance, and my job last year. I was going threw cancer treatments and my Insurance was terminated! Now my treatment has stoped, and so has my meds! Now mind you I have been a U.S. Cittization for fifty years, and paid in the system for thirty-five years. Fair isn't it?

You know I feel my country has let me down.

We need less "choices", not more

The Republican approach to health insurance is "you may have it IF (and only IF) a private financial services company "markets" it (think AFLAC duck and GEICO gecko) and makes an underwriting profit off of you. "Choices" and "consumer-driven" and "returning control to patients" are the code words for moving America to this model exclusively.

Republican Florida recently permitted mini-policies that may be capped at total payout as low as $10,000. Republican Georgia just favored high-deductible health plans that cover disasters but not the first $3,000 or so where the diagnostic tests would be done to see whether you have an impending disaster like say early-stage (where you still have hope) cancer. Republican Congress in 2003 passed Medicare D that covers senior prescriptions on the front end and on the very high end----with a "doughnut hole" of thousands of dollars out of pocket in the middle. You get the idea here. Sell you something called "insurance" and let you dangle in the wind after you file a claim and discover how "under-insured" you are. Oops. Sorry. Wrong "choice". You were offered many "choices" and you picked the wrong one. Tsk. Tsk.

A Democratic Congress with a Democratic president that forces a national health plan NOT defined and driven by and for "underwriters" is your (only) answer to this problematic trend. Someone will probably come along below and try to scare you about a "government takeover" of medicine. Don't be duped. The alternative is a CORPORATE takeover of both medicine and YOU---one that is already well underway and stoppable only with the election of 2008. As this author has pointed out, many people have no idea how underinsured they are, and John McCain plans to take you farther down that road at lightspeed, if you allow him to.

Speaking of McCain, no post is conplete without asking every church voter to consider whether God could possibly be calling you to vote for a 25-year mega-dealer of beer?

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About On Health and Money

Senior Writer Michelle Andrews reports on how to be a smart health consumer and get the best care for your money. Write to her at onhealthmoney@usnews.com.

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