Do you want Government or Insurance Companies making decisions about your coverage?
A question was presented for viewer's comments and votes on a cable network last month that was simply stated. It was "Would you prefer the Government or Insurance Company between you and your doctor concerning health care procedures?" Not exactly stated, but you get the idea.
When the rhetoric dies and the talking heads are put on mute, the real issues become more clear. If you have ever dealt with coverage problems with insurance companies, the answer seems a lot clearer. The results were in the 90% range that people would prefer the Government over Insurance Companies. I will admit that I was one that did not vote, but I would have been with the majority. It is not that I want a Canadian or European system, but the private sector has abused the system and those that make decisions must move quickly.
The approval process with private companies has become much easier in the last year. Although I do not consider myself a cynic, I am sure that it has something to do with the current public commentary on the past abuses of the system. I am now in my first 6 months of Medicare and my lovely and much younger wife will be on a private policy for another 4 years before she is eligible for Medicare. This will be a very interesting real-life comparison.
I have signed up for Parts A, B, D and a separate policy for F. If that does not make sense to you, you are young enough that you have not had to wade through the alphabet soup of Medicare. I have had some fairly extensive and expensive tests in a short time. I am very happy with the coverage so far and I do have concerns that the current system may bankrupt the Government. But, I would be willing to pay a little more to keep the coverage. If we do not correct the problem now, those forced to try to get private insurance will soon be going back to the denial of services that were (and are) prevalent.
An example is today's hearings with some health care executives about canceling sick policy holders. The reason, they say, is to protect their current policy holders from fraud. One example was a woman who was diagnosed with cancer and was preparing for chemotherapy and her policy was canceled. They had gone back to her application for insurance and found out that she had neglected to mention that she had seen a dermatologist for acne and a note was put on her chart to check further.
Many people (family members included) have tried to figure out where I am politically right now so I seem to have struck the right balance. I am evolving and prefer to listen and think without the doomsday commercials for both sides. I would love to hear from those who are tired of Liberal vs. Conservative and would like to find a reasonable solution that works. For a topic that has polls indicating 80% of individuals consider their insurance as good to very good, there seems to be a lot of discourse. Someone is talking to the wrong people.
TVP tvp@dyingforinsurance.com
When the rhetoric dies and the talking heads are put on mute, the real issues become more clear. If you have ever dealt with coverage problems with insurance companies, the answer seems a lot clearer. The results were in the 90% range that people would prefer the Government over Insurance Companies. I will admit that I was one that did not vote, but I would have been with the majority. It is not that I want a Canadian or European system, but the private sector has abused the system and those that make decisions must move quickly.
The approval process with private companies has become much easier in the last year. Although I do not consider myself a cynic, I am sure that it has something to do with the current public commentary on the past abuses of the system. I am now in my first 6 months of Medicare and my lovely and much younger wife will be on a private policy for another 4 years before she is eligible for Medicare. This will be a very interesting real-life comparison.
I have signed up for Parts A, B, D and a separate policy for F. If that does not make sense to you, you are young enough that you have not had to wade through the alphabet soup of Medicare. I have had some fairly extensive and expensive tests in a short time. I am very happy with the coverage so far and I do have concerns that the current system may bankrupt the Government. But, I would be willing to pay a little more to keep the coverage. If we do not correct the problem now, those forced to try to get private insurance will soon be going back to the denial of services that were (and are) prevalent.
An example is today's hearings with some health care executives about canceling sick policy holders. The reason, they say, is to protect their current policy holders from fraud. One example was a woman who was diagnosed with cancer and was preparing for chemotherapy and her policy was canceled. They had gone back to her application for insurance and found out that she had neglected to mention that she had seen a dermatologist for acne and a note was put on her chart to check further.
Many people (family members included) have tried to figure out where I am politically right now so I seem to have struck the right balance. I am evolving and prefer to listen and think without the doomsday commercials for both sides. I would love to hear from those who are tired of Liberal vs. Conservative and would like to find a reasonable solution that works. For a topic that has polls indicating 80% of individuals consider their insurance as good to very good, there seems to be a lot of discourse. Someone is talking to the wrong people.
TVP tvp@dyingforinsurance.com
Posted by The Virtual Patient at 7/30/2009 3:40 PM 
Categories: pre-existing, Insurance, Private Policies, Universal Healthcare, Appeal denial
Tags: universal health Appeal Insurance Private Policies Politics pre-existing coverage
Categories: pre-existing, Insurance, Private Policies, Universal Healthcare, Appeal denial
Tags: universal health Appeal Insurance Private Policies Politics pre-existing coverage
That's great, I never thought about Government or Insurance Companies making decisions about your coverage like that before.
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Thats really very nice blog, I am impressed.
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Thank you for this great information, you write very well which i like very much. I really impressed by your post.
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Nice post , thank you for sharing .........
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I am little curious to know more about it....
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I too prefer the Government over Insurance Companies. In my opinion the government should make decision about the insurance coverage. Then only the decisions become impartial. It’s a true fact that the private sector has abused the system and those that make decisions must move quickly. But the author’s opinion and experience described in this post made me become confused with my opinion. Now I think both the government’s and the insurance companies’ decision may have drawbacks. It is new information for me that some companies are canceling sick policy holders to protect their current policy holders from fraud. Anyway all the information provided in this post is really a valuable one for me.
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