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Health Insurance Quotes Ohio Question & Answers

2013 November 20
by Sarah Fields

Ken asks…

Health insurance providers in the state of ohio?

i am trying to get health insurance quotes from as many companies as i can in the state of ohio. so far i have came up with:
anthem
aetna
united healthcare
humana
anyone that i am missing? thanks

Sarah Fields answers:

If you are looking for the best health insurance quote, check out this site

http://best-health-insurance-quotes-usa.blogspot.com/

Here you can compare the best health insurance providers in your area for free just in one minute.

Donna asks…

Alternatives to universal health care. What are your thoughts?

I am not for universal health care, but I think there needs to be change in the current system. This is pretty simple and i know business owners will disagree, but what are your thoughts? Have all employers offer health insurance and cover 25% percent of the cost, but be able to right off the cost at the end of the year. Everyone is required to have health insurance, and if you don’t you do not receice treatment. I realize the people who can not work will still have to be covered by the government, but most people are employed. what are your thoughts on this? Do you think it would work?

Sarah Fields answers:

I’m not sure why so many want to continue to tie insurance to employment. Right there it is an issue–lots of folks who would be self-employed or such would still be up the creek without REFORM of insurance.
You’re also not addressing the numerous problems with insurance–which I don’t blame you for–the media doesn’t do its job and the pols won’t admit what surely they must know is the real problem. I’ve studied health care issues for years and I had to dig to find the truth.
Here’s some of what you do have to dig to find and I think you can see why just insuring more folks won’t answer it AND you have to know the public will NEVER be OK with someone who refuses to get insurance NOT being treated–that is an automatic no go.
There is a plan out there that addresses all the legit issues I’ll document in a moment and would be cost-effective–with an emphasis on preventative care and responsibility so there’s money enough for those BURDENED by actual medical problems, not a free ride for those who figure “it’s free, why not go?” as we currently have. (Yes illegals are also dealt with as well as those who don’t insure in advance, etc. This is a truly comprehensive plan and in the CHAPTER all the other factors that drive up costs from the chronic shortage of doctors and nurses to the lack of PRICE TRANSPARENCY is all dealt with).
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

ACTUAL problems with health care in US:
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

As you can see, we need to do a LOT to fix the situation–just increasing the insured doesn’t work. BTW, Hillarycare, which Romney instituted in Taxachsusetts proves my point:
“Massachusetts announced that spending on its health care plan would increase by $400 million in 2008, a cost expected to be borne largely by taxpayers.”

http://www.heraldtribune.com/article/20080129/ZNYT02/801290745

Last modified: January 29. 2008 5:03AM
Read the article and see how CA couldn’t pull of UHC. Also there is nothing odd about that result in MA–Medicare doesn’t work near so well as the UHC proponents claim:
In the US, Medicare is going bankrupt. In 1998, Medicare premiums were $43.80 and in 2008 will be $96.40–up 120%. “Medigap” insurance is common because of the 20% co-pay required for service. Medicare HMOs are common because they reduce that burden without an extra charge in many cases. HOWEVER, many procedures which used to have no or a low co-pay NOW cost the full 20% for the HMO Medicare patient. ALSO the prescription coverage they tended to offer has been REDUCED in many cases to conform to the insane “donut hole” coverage of the feds. Doctors are leaving Medicare because of the low and slow pay AND because the crazy government wants to “balance” their Ponzi scheme on the backs of doctors.
“That dark cloud lurking over the shoulder of every Massachusetts physician is Medicare. If Congress does not act, doctors’ payments from Medicare will be cut by about 5 percent annually, beginning next year through 2012, creating a financial hailstorm that would wreak havoc with already strained practices.

Cumulatively, the proposed cuts represent a 31 percent reduction in Medicare reimbursement. If the cuts are adjusted for practice-cost inflation, the American Medical Association says Medicare payment rates to physicians in 2013 would be less than half of what they were in 1991.”
http://www.massmed.org/AM/Template.cfm?Section=vs_mar05_top&TEMPLATE=/CM/ContentDisplay.cfm&CONTENTID=11037

Jenny asks…

Virtually everything Obama works for is something I strongly support. Specifically, what do you not support?

Before Obama came around, the things I worried most about in America were 1) people dying from lack of health insurance 2) torture of prisoners (Guantanamo) without oversight. Obama focused on those. He also required higher gas mileage for cars, support for unemployed through the stimulus bill — which kept teachers on, extended unemployment benefits, etc. I am confused. Which of these do you not support? Which of these can be improved without government intervention?

Sarah Fields answers:

If the three negative responses you’ve thus far received (IRS is…, Freedom Wins IV, and CIA) are old enough to have credit cards, they have benefitted from President Obama’s consumer-protecting Credit CARD Act passed last year which prevents predatory fees, blocks shady billing practices, requires that any overage amount paid must be applied to the HIGHEST-interest portion of the debt, plus the terms must be simplified and openly displayed on the bill, showing how much interest is saved if even $5 extra is paid each billing cycle (see whitehouse.gov and click on Issues tab for more details). If these three are WORKING Americans who make less than $250,000 a year, then they all three received TAX CUTS last year on April 1st, which was part of the “stimulus” (or Recovery and Reinvestment Act) dollars to which one respondent objects (unless of course he is referring to the TARP or bank bailout dollars, which were NOT appropriated by the Obama administration, but were in fact procured by the BUSH administration to prevent the banks from going under). As to the Bush-appropriated TARP (taxpayer) funds, the Obama administration and the Democrats in both the House and Senate passed salary and bonus limitations for the bailed-out banking executives (with not even ONE Republican voting for these pay-back incentives), and these limits to $500,000/year plus only investor-approved preferred-option stocks has had the positive effect of getting $181 BILLION of the total $700 billion bailout fund REPAID EARLY (as in last December) and paid back WITH INTEREST! These paid-back dollars were then applied to PAY DOWN OUR DEFICIT! What’s not to like here? The health care and insurance reforms have many consumer benefits, not the least of which is NEW RULES (to quote Bill Maher) for the ruthless, greed-driven 1300 for-profit insurers that prevent them from dropping premium-paying consumers if these consumers become ill or injured. GM has emerged victorious after almost certain extinction, and is now operating in the black, paying us taxpayers back $8.1 billion—dollars that go toward paying down the deficit (as will all repaid TARP dollars)…is this not a GOOD thing for America?

I’m in 100% agreement with you. Before Obama came around, this nation was near destruction thanks to eight years of GOP bad bad policies. Under Obama’s leadership, we are coming back strong. Several new plants have opened in economically distressed states (Michigan, Ohio, Colorado, Florida, Massachusetts, etc.) to manufacture (YES, MANUFACTURE—we are getting our manufacturing base back after GOP outsourced it into extinction!) earth-friendly products as part of President Obama’s Green Energies Technologies Initiative. And the Obama administration has been regularly pushing other nations to open their markets wider for American-made goods—a slow but steady process which will bring American middle-class jobs back onto American soil and keep us competitive in a global market. Secretary of State Hillary Clinton and her team are in China right now for an economic summit that will help with this open-market initiative. Good things are happening because President Obama is at the helm.

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