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| *The Commerce Journal>>>Insurance |
What would happen if ? |
Insurance companies were illiminated and we paid a fee per person directly to the healthcare provider of our choice monthly. What if every American citizen did this and illegals would have to pay fees to a clinic they would have to support and couldn't go to the citizen funded hospitals. There's more but I would love your feed-back/ideas on how to make the insurance companies go away... Well, that was the whole idea behind the "original" hmo - Health Maintenance Organization. The problem is, then people started complaining that MAJOR MEDICAL wasn't covered - which it wasn't originally. Because the premiums were geared towards health maintenance coverage, and some of the early plans had a $100,000 cap on them. Then people complained that they didn't cover enough elective stuff . . . and eventually, the courts ruled that HMO's had to cover that stuff, and the premiums went up to almost that of regular health insurance. Plus, it's illegal, and unethical, to deny lifesaving health care to dying people, even if they are illegal, and don't pay their fees. Also, half of the uninsured people in America, are uninsured BY CHOICE. They have access to health insurance, and have the money, but choose not to buy it, because they deem themselves LOW RISK. It's mostly the under 30, single crowd. The majority of these folks are right, they are VERY low risk. So how would you address THOSE folks, who don't WANT to pay a fee per person (isn't that the same as a PREMIUM??) to the provider of their choice?? The biggest problem, is people don't want to take care of themselves, and want every little thing to be seen/treated by a doctor. They want maintenance meds instead of having to excercise self control (example: obesity induced type II diabetes - they'd rather keep eating the same way, and take insulin - or have "gastric bypass surgery" instead of giving up all fats and carbs, and eating a straight vegetarian diet.) Source(s): agent, 21+ years that the way it is with the uninsured.. they pay the doctor and hospitals directly. the cost of healthcare is why people have insurance. |
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