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Health Insurance Quotes Ohio Question & Answers

2014 March 29
by Sarah Fields

Joseph asks…

Why do some people still insist that health care is a RIGHT?

Can anyone find where in the Bill of Rights the place in which it states that the government has the right to steal money from me to provide health care for someone else?
“never said that African-Americans or women ”

I don’t recall either of those things calling for stealing from one person to give to another.

That’s socialism.

Sarah Fields answers:

You are correct that health care is NOT a right. I would say in defense of those so desperate that they’re looking for an unconstitutional “solution” (UHC) to a serious problem that IF the government would do its job, we would not be in this mess.
The government meddles and costs us big money.
They REFUSE to enforce contract law so big insurers routinely deny legit claims.
They REFUSE to enforce antitrust law so there is market manipulation that is very expensive.
Unlike other “industries” they refuse to require price transparency.
So the government has offered SPECIAL TREATMENT for health insurers and allowed very bad things to happen that they DO have jurisdiction over. You have to ask yourself WHY.

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

Anyone who cares can find an actual solution to our problems that recognizes that BAD decisions have been made and government healthcare EXISTS. We COULD reform it (and the author says transition to private sector totally) and also resolved any legit uninsured issues at the same time–would NOT force insurance on anyone, nor require empoyers to pay for it, nor increase our taxes.
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

Thomas asks…

Why is US not switching to a single payer health care plan?

More than half of doctors in US now favor switching to a national health care plan and fewer than a third oppose the idea.

Sarah Fields answers:

I suspect that is because the government has allowed the abuse of doctors to grow so bad that they’re willing to make a VERY bad deal where they’ll be screwed again.

The REAL problems in America with costs are these:
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

AND the precious Medicare system:
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

Problem is insurers do LOW and SLOW pay and the government balances its Ponzi scheme on the back of doctors. Some have bought the BS of the media that they’d be better off with UHC. HA! Doesn’t work. Hillarycare exists now in Taxachusetts–a mere 6.5 million folks (not 300 million for the US) and look at the results:
“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
Article explains why CA can’t even get it off ground.

Canadian doc on UHC throughout world:
“…Another sign of transformation: Canadian doctors, long silent on the health-care system’s problems, are starting to speak up. Last August, they voted Brian Day president of their national association. A former socialist who counts Fidel Castro as a personal acquaintance, Day has nevertheless become perhaps the most vocal critic of Canadian public health care, having opened his own private surgery center as a remedy for long waiting lists and then challenged the government to shut him down. “This is a country in which dogs can get a hip replacement in under a week,” he fumed to the New York Times, “and in which humans can wait two to three years.”

And now even Canadian governments are looking to the private sector to shrink the waiting lists. Day’s clinic, for instance, handles workers’-compensation cases for employees of both public and private corporations. In British Columbia, private clinics perform roughly 80 percent of government-funded diagnostic testing. In Ontario, where fealty to socialized medicine has always been strong, the government recently hired a private firm to staff a rural hospital’s emergency room.

This privatizing trend is reaching Europe, too. Britain’s government-run health care dates back to the 1940s. Yet the Labour Party—which originally created the National Health Service and used to bristle at the suggestion of private medicine, dismissing it as “Americanization”—now openly favors privatization. Sir William Wells, a senior British health official, recently said: “The big trouble with a state monopoly is that it builds in massive inefficiencies and inward-looking culture.” Last year, the private sector provided about 5 percent of Britain’s nonemergency procedures; Labour aims to triple that percentage by 2008. The Labour government also works to voucherize certain surgeries, offering patients a choice of four providers, at least one private. And in a recent move, the government will contract out some primary care services, perhaps to American firms such as UnitedHealth Group and Kaiser Permanente.

Sweden’s government, after the completion of the latest round of privatizations, will be contracting out some 80 percent of Stockholm’s primary care and 40 percent of its total health services, including one of the city’s largest hospitals. Since the fall of Communism, Slovakia has looked to liberalize its state-run system, introducing co-payments and privatizations. And modest market reforms have begun in Germany: increasing co-pays, enhancing insurance competition, and turning state enterprises over to the private sector (within a decade, only a minority of German hospitals will remain under state control). It’s important to note that change in these countries is slow and gradual—market reforms remain controversial. But if the United States was once the exception for viewing a vibrant private sector in health care as essential, it is so no longer.”
http://www.city-journal.org/html/17_3_canadian_healthcare.html

Maria asks…

Why are insurance companies excited about national health care?

National health care shouldn’t involve a profitable insurance companies… So what value will they add? Regulation ? Please. the government things that’s what it does best. So what’s the real answer ?

Sarah Fields answers:

Right now what’s on the table is going to make insurance companies FABULOUSLY more wealthy than thieves already are.
Why?
Because there is NO reform in either Hilary or Obama’s plans.
FACTS about insurance and its costs in the States:
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

So you can see:
insurance as it is run now does NOT prevent bankruptcy from medical bills

contract law is ROUTINELY violated to save money

antitrust is more often violated than not (markets CONTROLLED by one insurer)

Perhaps that’s why Hillarycare, which EXISTS, in Taxachusetts courtesy of Romney is already an economic disaster:
“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
That comes from an article on why leftist CA could not get UHC off the ground.

To be blunt, insurance would LOVE this plan because it would vastly increase their profits and control. Oh, and Medicare, which the ignornat tout, is worse off than the public is told:
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

Also, starting this January, folks ON Medicare or an HMO version or such will find that though they were promised IN WRITING a physical that would be covered, THEY may eat the bill themselves. The media is FAILING TO REPORT THIS FACT. Probably can’t figure out how to spin it.

UHC does not work. Canadian doc:

http://www.city-journal.org/html/17_3_canadian_healthcare.html

The ONLY plan I’ve seen that deals with FACTS, uses logic, understands the Constitution, fits economic facts, and deals with the big picture is this one:

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

No insurers would like it because there is no built in graft and it makes EVERYONE a competitor for the patient’s business–none of this “preferred provider” nonsense or such they get filthy rich off of AND they’d have to pay claims that are legit–no weaseling out as they routinely do now. NO caps on legit procedures. No hundreds of millions a year for a select few either.

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