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Tuesday, August 9, 2011
The Health Insurance Debate, who is correct.
The debate on the so called "Obama Care" is so clouded with alot of different views and opnions. I have to stop and try to figure out the truth, I know it's there. The only way to reduce the cost of health insurance is to have everyone in the same pool, this will spread the risk out across the board thus lowering the overall cost to every individual American and business. Ask yourself this simple question. Does redundant services make sense to you? It is very simple, the cost of health care is being divided up by several different Insurance providers. You know the lingo, out of network, in network, exclusions, not covered, max out of pocket deductible...... The argument that the government needs to stay out of the way, that my healthcare is between me and my doctor is misleading, your healthcare is between you and your insurance provider. The reason that companies carry workmans comp. insurance is to ensure that health care and disability of the injured worker are taken care of. If everyone has health insurance then the need for the medical coverage of workmans comp. is redundant. This would lower the cost of workmans comp insurance, thus lowering the cost of business. The inclusion of everyone in the same healthcare pool will also lower the individual cost of health insurance, thus lowering the cost that business pays. I do believe in the free market approach to most industries. The truth is most people have a 80/20 healthcare plan. The tylenol 3 that the nurse brings you every 4 hours in the hospital will be billed to the insurance company. Look at your itemized bill and you will find the tylenol 3 cost $10/each, but wait you only have to pay 20%. What you are actually paying is the cost. We pay insurance premiums so that we will only have to pay the actual cost in the end. This country spends more of our GDP on healthcare than any other nation in the world. The argument that if we nationalized our healthcare system that doctors would leave and go elsewhere is complete hogwash, where are they going to go? The arguement that the rest of the world with their nationalized health care systems are a mess, Is this where the Doctors would go?
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