General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsMyOwnPeace
(16,920 posts)Indeed she does!!!!!
intrepidity
(7,275 posts)Surely there's a long boring story involved, but imagine taking this to it's logical conclusion and having to buy heart insurance, brain insurance, foot insurance (which may or may not require a separate toe policy) and so on for everything that has specialized medicine.
Probably shouldn't be giving them ideas...
dameatball
(7,395 posts)insurance in Florida. Gawd forbid you own a pitbull, a rottweiler or an abnormaly cranky hamster.
IronLionZion
(45,380 posts)underpants
(182,632 posts)txwhitedove
(3,926 posts)scientific study, and the hamsters seemed happy too.
Beetwasher.
(2,969 posts)soldierant
(6,799 posts)Flood, wind, and sinkhole are localized risks, and also tend to occur to large numbers of policyholders all at the same time, making it difficult to accurately use the law of large numbers to determine appropriate premiums. If non-government companies were required to cover them, in order for the premiums to be adequate to prevent a single event putting the company into bankruptcy, no one who needed them could afford them. So those risks are covered by governments. And are still expensive to insure.
I'm not sure how that would be allpied to vision and dental insurance. We don't generally see localized vision or dental events swhich affect a large number of people in the same place at the same time
Layzeebeaver
(1,614 posts)Everyone pays a little into the pool and the pool covers all. Regardless of location or risk factor.
Oh wait thats social security!
soldierant
(6,799 posts)which as we've seen cheats the inhabinants of "red states."
THat would be enough people for the law of large numbers to be useful
But I (probably mis) understood you to be asking why the current situation exists.
Layzeebeaver
(1,614 posts)I can take it either way.
My most recent experience is from The Netherlands.
Everyone pays into the national scheme, and everyone gets the same level of very decent care.
If you want to jump a queue or go private you can pay additional out of your pocket.
My mother-in-law (91yrs old) has all her care covered including housing in a very nice, clean and well staffed elderly care home.
My parents in Arizona pull in about 5k in SS and pensions, and still they cannot afford to go into a care home. Their "insurance" booted them off due to some internal performance targets.
WTAF America? I guess we appreciate our freedumb to live in poverty, wake up with boils and even of we actually have 'some' disposable income we respect the freedumb of corporations to throw us out on our asses.
whoa, that was a bit of a rant - sorry.
soldierant
(6,799 posts)We need righteous rants to wake us up.
I've never worked in life/health insurance, but I have worked in property and cadualty (auto and home). P&C does not have the same record of whimsical and destructive cancellation that L&H (and especially H) does, and I sometimes get a little defensive.
If you want to read someone who worked in health insurance but had a "Come to Jesus" moment, quit, and is now working for reform, look up Wendell Potter.
Layzeebeaver
(1,614 posts)I'll do just that.
Layzeebeaver
(1,614 posts)Everyone pays a little into the pool and the pool covers all. Regardless of location or risk factor.
Oh wait thats social security!
usaf-vet
(6,163 posts)$$$ to buy off millionaires and billionaires to recycle the money to pay the politicians to keep them in office so the cycle can start over again.
Give to the rich... so they can give to the politicians.... so they can give more to the rich
rgbecker
(4,820 posts)You have zeroed in on the problem and why the change is so slow in coming.
usaf-vet
(6,163 posts)If I managed to zero in on the target as you suggest it's because I've lived too close to the destruction taking place in Wisconsin and by extension the country as a whole.
SergeStorms
(19,187 posts)Pure and simple: Lobbyists.
End post.
JanMichael
(24,875 posts)Nt!
Farmer-Rick
(10,140 posts)Needless to say, she got awful vericose veins. Our health insurance wouldn't pay for support stockings. She wore the heavy duty thick support up her thighs to stop the pain and blood clots. She had to buy them herself. At $50 a piece .....and they wear out....it adds up.
So, I guess you need leg insurance too.
BobTheSubgenius
(11,560 posts)Opthamology is covered, optometry is not. Oral surgery is covered, dentistry is not. Certain meds are covered, some are not.
That last one is a LITTLE more understandable, because you can't just have doctors prescribing or the public taking anything and everything. I'm going for two vaccines soon - one against pneumonia, the other is Shingrix. First is free, second is $300 per treatment, so $1200 for the two of us.
But, from what I've heard, you'd gladly pay 5x that much to rid yourself of shingles, should you be unlucky enough for the scourge to erupt in you.
hippywife
(22,767 posts)Got the first at my doctor's office and the second at my pharmacy.
BobTheSubgenius
(11,560 posts)I believe it's free there, no?
hippywife
(22,767 posts)JanMichael
(24,875 posts)Everyone wants a bigger piece of pie.