Comments on: Excuse me, can you spare $13,300? http://thefundforpersonalliberty.org/2009/08/8109-excuse-me-can-you-spare-13300/ Litigating for YOUR health freedom. Thu, 17 Jun 2010 16:40:11 -0400 http://wordpress.org/?v=2.8.4 hourly 1 By: handsoffmyhealth http://thefundforpersonalliberty.org/2009/08/8109-excuse-me-can-you-spare-13300/comment-page-1/#comment-32 handsoffmyhealth Fri, 28 Aug 2009 06:55:46 +0000 http://thefundforpersonalliberty.org/?p=198#comment-32 I'm one of the uninsured, by choice and because of expense. I wouldn't mind paying $30 per month for catastrophic illness/hospitalization/trauma, but have no interest in paying for "insurance" against basic checkups, blood tests, etc. It isn't insurance, not really, and is too costly and makes no sense. Why pay $10,000 per year (or even 2400) for a few doctors visits, blood tests, ultrasounds, mammograms which cost less than $1200 per year if I don't go through " insurance" and suffer with their regulations. I broke my leg once while having insurance. Because of insurance regulations and costs, the total bill was over $7500.00 and included unnecessary and invasive tests to "prove" the break and timing etc. Plus, it took 2 months after the precipitating event to even get seen. An accunpuncturist actually diagnosed the break for $60 and relieved the pain and kept me walking until I could get seen. Had I paid for it on my own, I would have been in the orthopedist within days, and the total cost would have been a maximum of $800.00, about half the deductible on my insurance. IMO, well informed and never to be humble, insurance is the problem-not insurance, and a poor way to deliver "health care". It does not deliver health care or even cover health care, just crisis or chronic illness management. There are many ways to address the "crisis"; insurance reform is not one of them, nor is a public option. Have we learned nothing from the failure of Medicare? or the drug culture created by the feedback loop of Big Pharma profit motive, lobbyists enlisting Congress in their cause, increase in drug prices, payments to doctors and insurance companies to prescribe drugs, DTC advertising, control/influence of medical schools by Big Pharma, the Congressionally ordered "cooperation" between the FDA and Big Pharma, ad nauseum. Congress could pass legislation that would separate HSA's from insurance premiums and raise contribution limits, allowing citizens to pay for health care of their choice at much lower cost than insurance could provide. How about tax incentives for staying well? Remove government subsidies and anti competition regulations from "health insurance" (like price fixing ). True competition may lower costs. Allowing free market generic drugs will reduce drug costs by over $600 BILLION, as will repeal of the corrupt and costly Medicare Prescription Drug Act, which maximized drug company profits at the expense of Medicare recipients. Another part of the solution: allowing SS recipients to opt out of Medicare Part A, which will save Billions. Also allow SS beneficiaries to have HSA's and contribute to them and hospitalization of their own choice. Insurance coverage for 95 percent of Americans is not the answer, it is the problem. I’m one of the uninsured, by choice and because of expense. I wouldn’t mind paying $30 per month for catastrophic illness/hospitalization/trauma, but have no interest in paying for “insurance” against basic checkups, blood tests, etc. It isn’t insurance, not really, and is too costly and makes no sense. Why pay $10,000 per year (or even 2400) for a few doctors visits, blood tests, ultrasounds, mammograms which cost less than $1200 per year if I don’t go through ” insurance” and suffer with their regulations. I broke my leg once while having insurance. Because of insurance regulations and costs, the total bill was over $7500.00 and included unnecessary and invasive tests to “prove” the break and timing etc. Plus, it took 2 months after the precipitating event to even get seen. An accunpuncturist actually diagnosed the break for $60 and relieved the pain and kept me walking until I could get seen. Had I paid for it on my own, I would have been in the orthopedist within days, and the total cost would have been a maximum of $800.00, about half the deductible on my insurance.
IMO, well informed and never to be humble, insurance is the problem-not insurance, and a poor way to deliver “health care”. It does not deliver health care or even cover health care, just crisis or chronic illness management. There are many ways to address the “crisis”; insurance reform is not one of them, nor is a public option. Have we learned nothing from the failure of Medicare? or the drug culture created by the feedback loop of Big Pharma profit motive, lobbyists enlisting Congress in their cause, increase in drug prices, payments to doctors and insurance companies to prescribe drugs, DTC advertising, control/influence of medical schools by Big Pharma, the Congressionally ordered “cooperation” between the FDA and Big Pharma, ad nauseum.
Congress could pass legislation that would separate HSA’s from insurance premiums and raise contribution limits, allowing citizens to pay for health care of their choice at much lower cost than insurance could provide. How about tax incentives for staying well? Remove government subsidies and anti competition regulations from “health insurance” (like price fixing ). True competition may lower costs. Allowing free market generic drugs will reduce drug costs by over $600 BILLION, as will repeal of the corrupt and costly Medicare Prescription Drug Act, which maximized drug company profits at the expense of Medicare recipients. Another part of the solution: allowing SS recipients to opt out of Medicare Part A, which will save Billions. Also allow SS beneficiaries to have HSA’s and contribute to them and hospitalization of their own choice.
Insurance coverage for 95 percent of Americans is not the answer, it is the problem.

]]> By: JoWriter http://thefundforpersonalliberty.org/2009/08/8109-excuse-me-can-you-spare-13300/comment-page-1/#comment-5 JoWriter Sun, 02 Aug 2009 02:21:08 +0000 http://thefundforpersonalliberty.org/?p=198#comment-5 Dear Editor - you forgot that the "rich" are going to pay for this, not "us." Definition of "rich" - somebody who makes more money than I do. I think my tongue-in-cheek definition has actually been verified by surveys or polls. Dear Editor – you forgot that the “rich” are going to pay for this, not “us.”

Definition of “rich” – somebody who makes more money than I do. I think my tongue-in-cheek definition has actually been verified by surveys or polls.

]]>