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Post by falgar25 on Sept 30, 2009 5:50:59 GMT -4
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Post by Deleted on Sept 30, 2009 9:11:23 GMT -4
There's discussion of why the leaves are falling off the tree while the whole tree is slowly dying. Since health care reform is such a hot button.....this might be an opportunity for a thread from KIO'ers with their own dealings with health insurance companies or any insurance type company. Since all insurance companies operate in the same manner, whether they are health, auto, home or marine coverages......we could discuss them all. It could be the good, bad and ugly of insurance dealings.
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Post by kl on Sept 30, 2009 10:11:33 GMT -4
Here's a start: Study predicts health care costs to rise for workers, employers By Bruce Japsen Chicago Tribune (MCT) CHICAGO - The cost of medical benefits is projected to jump again next year with premiums and out-of-pocket expenses rising 10 percent. That likely will mean more pain for workers, who have seen their share of the tab triple since 2001. In 2010, the combined average premium and out-of-pocket costs for health care coverage for a worker are projected to climb to $4,023 a year, a 10 percent increase from this year, according to an annual study by Hewitt Associates released ahead of open-enrollment season for medical benefits. www.philly.com/philly/business/personal_finance/092909_health_care_costs.html
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Post by truthhurts on Sept 30, 2009 20:12:48 GMT -4
It's really pretty simple. People NEED health insurance. Those who need it most more often than not are those who can't afford it (if you're sick, you can't work). The answer is to find a way to provide coverage to all, someway, somehow. (Oh, and if it's on FOX, well then... how much of THAT can you believe? We've already been there...)
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Post by falgar25 on Oct 1, 2009 6:36:02 GMT -4
.... Since all insurance companies operate in the same manner, whether they are health, auto, home or marine coverages......we could discuss them all. It could be the good, bad and ugly of insurance dealings. I've been thinking about this and there really isn't a good comparison between health insurance and other insurances. Two examples: - What is the car insurance equivalent of the requirement that health insurers cover preexisting conditions? I can't take my damaged car from StateFarm to Nationwide and expect Nationwide to continue paying for repairs. On the other hand, there are laws that require my next health insurance company to continue paying for care of a condition I am currently receiving benefits for. - An even better one: What is the health insurance equivalent of "totaling" a car? Insinuations, accusations, and rhetoric aside, in what situations can a health insurance company say, "Yes, it is possible to treat your condition and fix what's wrong with you but you are just not worth the expense so we'll just let you die?"
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Post by Deleted on Oct 2, 2009 8:52:45 GMT -4
I was referring to the overall business practice of insurance companies, not comparing people to vehicles.
Everyone would have their own perspective with dealing with their insurance carrier. I'm sure there are people who are like I have never had a problem, they are the best, what's the big deal.....which is great. They might also be the types that never go anywhere, never do anything, never experience life. What's the likely hood of that person being at risk, not much.
I use to be a person who that thought why worry about anything, "I have insurance for everything I do, that I own or anticipate that will happen in the future". It's just not the case now if your in the private sector. Insurance companies yield a lot of control and power over you.
I've had a few very positive dealings, along with a couple of negative experiences dealing with insurance companies. I'm not talking little companies, but big ones. I'm just very glad there has not been any major catastrophes with health or property that might not end up covering the problem. There's to many examples out there that get exposed to make you feel uneasy about the future.
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