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Health Insurance Quotes Ohio Question & Answers

2013 October 4
by Sarah Fields

Jenny asks…

How can I get health insurance with diabetes?

My boyfriend has Type 1 diabetes and just lost his job (and health insurance). We have been looking around for other health insurance, but basically no one will cover him because he takes insulin. If he continued with his job’s health plan it would increase to over $500 a month! Our U.S. health care system sucks!! Do you know of any health care providers who would cover this?
Thank you for all your great suggestions and advice! I love this Yahoo community. There are many caring and supportive people out there!

Sarah Fields answers:

He can do COBRA (probably your $500 increase) and if he can’t get on with another insurer and COBRA ends, he can use HIPAA to get on as a guarantor with another insurer–but it will cost a buttload for sure.
IF he doesn’t make much money, he might be able to use this for med care, not insurance:
Health Centers provide health and dental care to people of all ages, whether or not they have health insurance or the money to pay for health care.
Find the Health Center closest to you

Hill-Burton Free & Reduced Cost Care at hospitals, nursing homes and other facilities are required to provide a specific amount of free or below cost health care to people unable to pay. Eligibility is based on the size of your family and your income. You apply for Hill-Burton care at the facility where you were or will be treated.
More about Hill-Burton and find facilities in your State

http://www.hrsa.gov/help/default.htm

What we NEED is THIS plan–comprehensive, affordable, ends the BS in the current system BUT allows ALL the current private junk plans to still exist. (Junk plans because if you get really sick, they just may not pay, not for a legal or valid reason, but because they can:
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)

The smart reform:
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

Nancy asks…

What would happen if we lowered the cost of health insurance?

I have to write a paper on health care insurance.

Sarah Fields answers:

You can’t do that–that’s private industry and not something where the government can order it to be reduced.
There ARE problems with health insurance that drive up costs–from government mandating certain things being included in policies to the government’s refusal to prosecute the large insurers for antitrust violations or refusal to enforce contract law.
Right now having insurance is NO guarantee you’ll be covered.
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

Compare that with the pockets of free market:

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.

Only sensible plan I’ve seen to date:
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…

If everyone in the USA dropped their health insurance, would our economy collapse?

I’ve often wondered if health care would become easily affordable if insurance companies didn’t have any influence over how much a service or a pill cost. But insurance companies use the money we give them for major investments in many goods and services. I see the total abolishment of health insurance as being similar to the abolishment of slavery back when our founding fathers were starting our country. It just wasn’t economically feasable at that time, they said. Would our economy collapse if health insurance was abolished and doctors, hospitals and drug companies had to compete for business by lowering prices?

Sarah Fields answers:

Interesting question, but the problem is this:
the government unconstitutionally inserted itself into health care years ago.
Even if all of the folks with PRIVATE insurance dropped it in protest, Medicare, Medicaid, SCHIP, and a host of other programs would go on, draining our wallets.
You are, however, on to a couple of important things:
One, health insurance DOES drive up costs. Because the media is for UHC they don’t report the facts: the uninsured subsidize the insured in the US. By focusing on illegals who get FREE care, people pretend ALL uninsured get free care. This is completely false.
Second, the current system IS unsustainable because it’s rigged–the hospitals do NOT charge appropriately, health insurers ROUTINELY deny legit claims in violation of contract law, and antitrust laws are routinely violated with impunity.
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

Space limits don’t let me show the info, but check out these for eye-openers:

http://www.businessweek.com/bwdaily/dnflash/content/nov2007/db20071120_397008.htm

http://www.consumeraffairs.com/news04/2006/10/loudon_hospital.html

http://www.consumeraffairs.com/news04/hca_suit.html

http://www.consumeraffairs.com/news03/yale.html

http://www.nytimes.com/2006/06/19/washington/19tax.html

http://www.consumeraffairs.com/news04/2006/09/npo_hospitals.html

Virtually everything people think they know about health care in the US is incorrect–the media and pols LIE routinely. The actual problems are ignored. Someone who did her homework did come up with corrections and a way to revise the unconstitutional health care the feds offer (she wants to transition to CORRECTED private sector at least the state level where it doesn’t violate Amendments IX and X):
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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