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Government As Parent

After much thought, I've decided that the best thing is just to totally put my life into the hands of our benevolent government.  Cradle-to-grave, they are the best determiner of everything.  How should I be educated?  What is important to study?  Should I vaccinate?  Am I worth having my knee replaced?  Do I deserve cardiac or cancer drugs?

It's really silly and presumptuous of me to assume I can make sense of this on my own.  Certainly the same lights that have created the DMV, zoning boards, the post office, and other fantastic and highly successful enterprises should be making these decisions; I can't be trusted.

In addition, I think I should pay more for my rationed health care.  I mean, I only pay $1001 out of pocket every month for my family's health care.  Out of pocket; as a self-employed person, my employer does not contribute.  I've also been paying 100% of both of my employee's medical and dental coverage for 4.5 and 2 years, respectively; rather than being selfish, I should certainly step up and pay for other folk's care, too.  People I don't know.  People that have no positive impact on me or my community.

There are many people who require important things like cable, cell phone service, Internet, nice cars, eating out, cigarettes, lottery tickets, and what-not; these folks obviously can't afford to tack health care on top of these crucial quality-of-life items.  I mean, some of them don't even work!  How can they be expected to pay for their own care?  I should pay more.  Heck!  My car only has 200k miles!  I should contribute to these poor folk's new cars, too. 

Oh, I am.

My head is going to explode. 



Aug. 20th, 2009 06:54 pm (UTC)
Seems like most folks don't want to "abuse the system" - most people would rather pay their bills and live their lives honestly. When they get sick and their coverage gets dropped, they're the ones who end up screwed.

70% of bankruptcies in the US are related to healthcare costs. I'm betting most of that 70% would rather have had their insurance take care of their expenses rather than go bankrupt and lose their homes.
Aug. 20th, 2009 07:16 pm (UTC)
Seems like most folks don't want to "abuse the system"

Not sure that I'd agree with this. Okay, maybe. But the majority of people that I transport have no insurance and have minor or trivial issues that certainly do not require an ambulance.

70% of bankruptcies in the US are related to healthcare costs.

Really? That's surprising. Do you have a link? And I wonder how many of these people (whatever the figure) chose not to have coverage in favor of other, 'more important' items. Sure, I'd like to have the $1000/month that I spend on healthcare to spend on other things, especially as many months our actual health care costs are zero. But having been saved from financial disaster by having insurance when I broke my leg (the first four days in hospital were > $40,000) I'm totally a believer in insurance as insurance. Sure, the health care insurance industry totally sucks; RK spends a not-trivial amount of time making sure we get our due from them.

How come insurance companies can't compete like real companies? Why are the plans I have access to different than the ones you have? Existing gov't regulation, I believe. So maybe the answer isn't more government to fix failed government?

Edited at 2009-08-20 07:17 pm (UTC)
Aug. 20th, 2009 07:37 pm (UTC)
Despite overwhelming "evidence" to the contrary, I still believe that MOST PEOPLE are fairly decent. You just don't HEAR about them as much as the nutjobs and wahoos. I could be wrong.



*snip* A recent study found that 62 percent of all bankruptcies filed in 2007 were linked to medical expenses. Of those who filed for bankruptcy, nearly 80 percent had health insurance.

Sorry, I was off by 8%. Note the 80 percent who did have health coverage...I guess it wasn't sufficient to cover the bills.

Here's an older one:

February 3, 2005: Illness and medical bills caused half of the 1,458,000 personal bankruptcies in 2001, according to a study published by the journal Health Affairs. Surprisingly, most of those bankrupted by illness had health insurance. More than three-quarters were insured at the start of the bankrupting illness. However, 38 percent had lost coverage at least temporarily by the time they filed for bankruptcy.

Most of the medical bankruptcy filers were middle class; 56 percent owned a home and the same number had attended college. In many cases, illness forced breadwinners to take time off from work -- losing income and job-based health insurance precisely when families needed it most.

Families in bankruptcy suffered many privations -- 30 percent had a utility cut off and 61 percent went without needed medical care.

Hmmm...the percentage seems to have gone up between 2005 and 2007. Can't imagine that's changed.

There's lots more out there to cite, but I really should stop taking a break and do some work for Shakespeare now. Maybe more later!

Mike has been buying insurance privately to the tune of about $130 a month since being under & unemployed. He had a recent scare which required a CT scan. We just got the bill for the scan. We owe over $3K just for the scan. Other related expenses are still trickling in. Fortunately, the scan and other testing came up with no health issues...we still wonder why he was peeing blood for a couple days, but as long as they say there's no cancer or anything, I guess we have to just shrug and move on. Oh, and fork over some bucks. $3K is more than we want to spend right now, but we'll make good on it...wondering, tho, why the insurance didn't pick up more than they did. And hoping that at renewal time they don't drop him.

Ok, really going to work now! :-) Here i go! Watch me work!


Bjamexza Q. Pyndejo / James O. Payne, Jr.
Bxiie Q. Pyndejo

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