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Health Insurance Quotes Ohio Question & Answers

2015 August 30
by Sarah Fields

Richard asks…

Who do you think draw or is behind the Hillary’s Helath Insurance plan?

1. Bill Clinton?
2. Big Pharmaceutical Industry Lobby?
3. Health Care Industry Lobby?

My guess is 2 and 3. These are 2 big donors to her campaign funds.

Sarah Fields answers:

Door number 3 must be involved because I know Hillary is not an idiot AND she has studied health care issues for some time now. She knows what the REAL problems are and is NOT addressing them, so who would make out like a bandit? #3

Oh a few FACTS:
When 75% of the people who declare bankruptcy over medical bills ARE INSURED, then insurance is CLEARLY not the answer.
“Aldrich’s situation is “asinine” but increasingly common, said Dr. Deborah Thorne of Ohio University. Thorne, co-author of a widely quoted 2005 study that found medical bills contributed to nearly half of the 1.5 million personal bankruptcies filed in the U.S. Each year, said that ratio has likely worsened since the data was gathered.

Like Aldrich, Thorne said, three-quarters of the individuals in the study who declared bankruptcy because of health problems were insured. ”

http://www.msnbc.msn.com/id/20201807/

Linda Peeno, MD testified that SHE had often denied treatment JUST to save the insurance company money http://www.thenationalcoalition.org/DrPeenotestimony.html

Furthermore:
“the vast majority of health insurance policies are through for-profit stock companies. They are in the process of “shedding lives” as some term it when “undesirable” customers are lost through various means, including raising premiums and co-pays and decreasing benefits (Britt, “Health insurers getting bigger cut of medical dollars,” 15 October 2004, investors.com). That same Investors Business Daily article from 2004 noted the example of Anthem, another insurance company. They said the top five executives (not just the CEO) received an average of an 817 percent increase in compensation between 2000 and 2003. The CEO, for example, had his compensation go from $2.5 million to $25 million during that time period. About $21 million of that was in stock payouts, the article noted.

A 2006 article, “U.S. Health Insurance: More Market Domination, More CEO Compensation”
(hcrenewal.blogspot.com) notes that in 56 percent of 294 metropolitan areas one insurer “controls more than half the business in health maintenance organization and preferred provider networks underwriting.” In addition to having the most enrollees, they also are the biggest purchasers of health care and set the price and coverage terms. “’The results is double-digit premium increases from 2001 and 2004—peaking with a 13.9 percent jump in 2003—soaring well above inflation and wages increases.’” Where is all that money going? The article quotes a Wall Street Journal article looking at the compensation of the CEO of UnitedHealth Group. His salary and bonus is $8 million annually. He has benefits such as the use of a private jet. He has stock-option fortunes worth $1.6 billion.”
–Save America, Save the World by Cassandra Nathan pp. 127-128

“Insurance Companies Robbing Patients
Robbing patients to pay CEOs leads to unprecedented medical insurance corporation greed.
Thursday, January 3, 2008 8:52 AM
By: Michael Arnold Glueck & Robert J. Cihak, The Medicine Men”
http://www.newsmax.com/medicine_men/medical_insurance/2008/01/03/61543.html

Donald asks…

What is the purpose of Private Insurance?

When my employer offered insurance we had many different companies to choose from. I finally picked one, but it was pretty much at random because they all seemed to be offering the same thing. I can certainly understand why you would want to have a choice of doctors; but a choice of insurance companies? Insurance is a pretty uncreative field. I mean what can one company offer that another can’t? Is it the competition? It seems to me that competition among doctors is enough to keep free market health care alive.

Sarah Fields answers:

First, we do NOT have a free market in health care in the US.
Health care is overregulated–at least from the doctor’s perspective–his hands are tied all along the way in what he can do, how much the government intrudes on his practice, and more. (See if you can get a doc to freely write pain prescriptions. Even pain specialists get called on the carpet for doing their jobs–each year a number of docs who are NOT “pill pushers” LOSE their livelihoods because idiots second guess them over writing what is necessary for some folks. This has a chilling effect on ALL docs for ALL patients even for short-term pain prescriptions.)

Insurance is in the hands of a few and it’s a nightmare. Let’s hope you stay healthy, but let’s also hope you and others will learn the truth and start demanding that contract and antitrust laws be enforced in this country:
When 75% of the people who declare bankruptcy over medical bills ARE INSURED, then insurance is CLEARLY not the answer.
“Aldrich’s situation is “asinine” but increasingly common, said Dr. Deborah Thorne of Ohio University. Thorne, co-author of a widely quoted 2005 study that found medical bills contributed to nearly half of the 1.5 million personal bankruptcies filed in the U.S. Each year, said that ratio has likely worsened since the data was gathered.

Like Aldrich, Thorne said, three-quarters of the individuals in the study who declared bankruptcy because of health problems were insured. ”

http://www.msnbc.msn.com/id/20201807/

Linda Peeno, MD testified that SHE had often denied treatment JUST to save the insurance company money http://www.thenationalcoalition.org/DrPeenotestimony.html

Furthermore:
“the vast majority of health insurance policies are through for-profit stock companies. They are in the process of “shedding lives” as some term it when “undesirable” customers are lost through various means, including raising premiums and co-pays and decreasing benefits (Britt, “Health insurers getting bigger cut of medical dollars,” 15 October 2004, investors.com). That same Investors Business Daily article from 2004 noted the example of Anthem, another insurance company. They said the top five executives (not just the CEO) received an average of an 817 percent increase in compensation between 2000 and 2003. The CEO, for example, had his compensation go from $2.5 million to $25 million during that time period. About $21 million of that was in stock payouts, the article noted.

A 2006 article, “U.S. Health Insurance: More Market Domination, More CEO Compensation”
(hcrenewal.blogspot.com) notes that in 56 percent of 294 metropolitan areas one insurer “controls more than half the business in health maintenance organization and preferred provider networks underwriting.” In addition to having the most enrollees, they also are the biggest purchasers of health care and set the price and coverage terms. “’The results is double-digit premium increases from 2001 and 2004—peaking with a 13.9 percent jump in 2003—soaring well above inflation and wages increases.’” Where is all that money going? The article quotes a Wall Street Journal article looking at the compensation of the CEO of UnitedHealth Group. His salary and bonus is $8 million annually. He has benefits such as the use of a private jet. He has stock-option fortunes worth $1.6 billion.”
–Save America, Save the World by Cassandra Nathan pp. 127-128

“Insurance Companies Robbing Patients
Robbing patients to pay CEOs leads to unprecedented medical insurance corporation greed.
Thursday, January 3, 2008 8:52 AM
By: Michael Arnold Glueck & Robert J. Cihak, The Medicine Men”

http://www.newsmax.com/medicine_men/medical_insurance/2008/01/03/61543.html

There is also a lack of price transparency–insured or not you don’t know what things cost when we’re past routine basic care–see that info again on bankruptcy.

We have a SHORTAGE of doctors and nurses and the current system doesn’t deal with that–the larger chapter on health care in this book not only offers a sensible plan but addresses the abuses I noted and more:
QUALITY, ACCESSIBLE, AFFORDABLE health care for all.
That means preventative care (physical with follow up). Real medication (no Medicare “donut holes” the really ill are ripped off again.) No bogus ridiculously low “caps” on needed medical procedures. No abuse of the ER. No paying for the silly with the sniffles to go to the doc for free. No more bankruptcies over medical bills. I want THIS plan that ends abuse of the taxpayer, takes the burden off employers, provides price transparency, and ends the rip-off of the US taxpayer at the hands of greedy insurance CEOs (which has been repeatedly documented).

Http://www.booklocker.com/books/3068.html

Read the PDF, not the blurb, for the bulk of the plan. Book is searchable on Amazon.com
Cassandra Nathan’s Save America, Save the World

When you have POCKETS of free market you see the difference in cost:

http://www.azcentral.com/community/gilbert/articles/0217er17.html

A doctor owned and run hospital that sees everyone gets care, no matter what happens to the bottom line.

Http://www.simplecare.com/ a doctor-driven group where reasonable rates are charged.

Note you can go to a walk-in clinic at Wal-Mart or CVS or the like in many cities and get many of the most typical reasons for seeing a doc addressed for under $100.

The price of LASIK has DROPPED dramatically over a decade. Plastic surgery is CHEAP. Compare a major procedure like a tummy tuck with the bill an uninsured patient will get for a medically necessary appendectomy WITHOUT complications.

We NEED a free market, but we absolutely do NOT have one now.

Ruth asks…

Which democratic candidate is more serious about free universal health care? Barrock or Hillary?

In the beginning both candidates supported proposed bill
(H.R. 676). Now both candidates have deviated and created different health care plans. Which plan is better? Which plan is worse? And why?

Sarah Fields answers:

Neither is good but at least Obama isn’t trying the “mandatory” thing that Hillary is.
Until health insurance is REFORMED this is just another in a long line of GIFTS at taxpayer expense to bloated, irresponsible, unethical companies that don’t deliver what they owe us–paying legit claims.

When 75% of the people who declare bankruptcy over medical bills ARE INSURED, then insurance is CLEARLY not the answer.
“Aldrich’s situation is “asinine” but increasingly common, said Dr. Deborah Thorne of Ohio University. Thorne, co-author of a widely quoted 2005 study that found medical bills contributed to nearly half of the 1.5 million personal bankruptcies filed in the U.S. Each year, said that ratio has likely worsened since the data was gathered.

Like Aldrich, Thorne said, three-quarters of the individuals in the study who declared bankruptcy because of health problems were insured. ”

http://www.msnbc.msn.com/id/20201807/

Linda Peeno, MD testified that SHE had often denied treatment JUST to save the insurance company money http://www.thenationalcoalition.org/DrPeenotestimony.html

Furthermore:
“the vast majority of health insurance policies are through for-profit stock companies. They are in the process of “shedding lives” as some term it when “undesirable” customers are lost through various means, including raising premiums and co-pays and decreasing benefits (Britt, “Health insurers getting bigger cut of medical dollars,” 15 October 2004, investors.com). That same Investors Business Daily article from 2004 noted the example of Anthem, another insurance company. They said the top five executives (not just the CEO) received an average of an 817 percent increase in compensation between 2000 and 2003. The CEO, for example, had his compensation go from $2.5 million to $25 million during that time period. About $21 million of that was in stock payouts, the article noted.

A 2006 article, “U.S. Health Insurance: More Market Domination, More CEO Compensation”
(hcrenewal.blogspot.com) notes that in 56 percent of 294 metropolitan areas one insurer “controls more than half the business in health maintenance organization and preferred provider networks underwriting.” In addition to having the most enrollees, they also are the biggest purchasers of health care and set the price and coverage terms. “’The results is double-digit premium increases from 2001 and 2004—peaking with a 13.9 percent jump in 2003—soaring well above inflation and wages increases.’” Where is all that money going? The article quotes a Wall Street Journal article looking at the compensation of the CEO of UnitedHealth Group. His salary and bonus is $8 million annually. He has benefits such as the use of a private jet. He has stock-option fortunes worth $1.6 billion.”
–Save America, Save the World by Cassandra Nathan pp. 127-128

“Insurance Companies Robbing Patients
Robbing patients to pay CEOs leads to unprecedented medical insurance corporation greed.
Thursday, January 3, 2008 8:52 AM
By: Michael Arnold Glueck & Robert J. Cihak, The Medicine Men”

http://www.newsmax.com/medicine_men/medical_insurance/2008/01/03/61543.html

Again, sensible plan:
QUALITY, ACCESSIBLE, AFFORDABLE health care for all.
That means preventative care (physical with follow up). Real medication (no Medicare “donut holes” the really ill are ripped off again.) No bogus ridiculously low “caps” on needed medical procedures. No abuse of the ER. No paying for the silly with the sniffles to go to the doc for free. No more bankruptcies over medical bills. I want THIS plan that ends abuse of the taxpayer, takes the burden off employers, provides price transparency, and ends the rip-off of the US taxpayer at the hands of greedy insurance CEOs (which has been repeatedly documented).

Http://www.booklocker.com/books/3068.html

Read the PDF, not the blurb, for the bulk of the plan. Book is searchable on Amazon.com
Cassandra Nathan’s Save America, Save the World

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