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02/23/2012

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Hey sweet lady!

You wrote, "If they wanna fix health insurance problems in this country, why not offer medical/age-specific insurance choices? We don't have car insurance that includes a boat or motorcycle, do we? We don't insure Mustangs like we do 18-wheelers. Car insurance is based on the vehicle. Why isn't medical insurance?"

the insurance companies would LOVE this kind of coverage because if they had it, you could not afford it. Insurance rates for ALL kinds of companies are based on what they call the Law of Large Numbers (not to be confused with large people)Obviously, insurance companies are for profit and you want them to be. Their rates, which are regulated and not self regulated are so set to cover as many possibilities and the rates that the younger healthier folk pay help supplement the health costs of those who have higher risk. So, a customized individualized health plan is NOT what you want at all.

Still love ya though!!!

"

Well, Bob, how are ya, man! Thanks for filling me in on my stupidity. ha ha.
The thing is...my husband and I paid into the pot for umpteen years and never dipped our ladle into the stew. We paid high prices for insurance, too. Now that we are older, not only do we have to pay higher prices for less insurance, we get less care than we once could have had if we'd been sick when we were young. Somehow, none of it balances out. Right now, we can't even afford to pay the 20% co-pay, never mind the full medical bill. Why? because the insurance is so outlandish that we'd have to pay nearly 600.00 a month to get a policy that has a 7,000 deductible that must be met.

There are no solutions, Bob. Except that we lower healthcare costs. And that is not likely to happen when the health-care lobbyists outspend the people. Nope...no recourse. Except the one we have chosen. No insurance. Pay as we go and don't go unless you're dying. That's our insurance plan. selahV

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