Posted by
TrueBlueAmerican on Saturday, June 20, 2009 4:33:34 PM
Everyone is talking about the healthcare issue these days because Obama is once again on the path of destruction in America. He has taken over banking, the car industry, the credit cards and now before it is too late and the American people wake up, he's ramming healthcare faster than a speeding bullet. I agree with some of the talk from the right about what Obama's plan is going to do to the nation's healthcare system. However, we are missing a key issue. The patient should be in control of their own health and payment of their healthcare. Employers should have no business in the patient's care, government certainly has no rights to the patient's medical care and insurance companies should not be involved either. What's wrong with both Conservative and Liberal thinking on healthcare? They have the belief that insurance companies are the answer to the healthcare problem. Hint: Wrong. It's the patient who holds the answer.
Bill Frist mentioned on Bennett's Morning In America, that the first thing businesses are going to do when the National Healthcare comes around is that they will force their employees to go on the government's plan because in the business' point of view it will be cheaper and not cut into profits. Yes, that will happen to those who are getting their healthcare from their employers However, some employers are already forgoing giving employees healthcare benefits. In fact, many of the companies are now cutting healthcare costs by passing some of the expense to the employees. In fact, more industries, including governments, are hiring part-time workers to escape the nasty mess of providing healthcare all together. Their reasoning behind this is that workers who are temporary part time are easy to replace, cost effective, allowing management to use them when they need them and do not fall under the protective umbrella of full-time/full benefits workers. Trust me even the government sectors are using these tactics. Regardless of whether business' drop healthcare now because of National Healthcare or later because the costs are cutting into profits does not matter. With the economy being the way it is, there is no way for businesses to continue enticing employees with benefits. The most they can do is tell employees that when times are good, they have a job. When times are bad, there are no guarantees of a job. Not to use a cliche, but we have passed the tipping point. What is the logical step? Americans become responsible for their own healthcare. Novel idea, huh?
Insurance has been a big racket from it's conception. It is quite similar to the mob. (Before I get nasty emails, hear me out) It's paying for protection and hoping nothing happens to you, your family, your belongs, etc Is there ever a return on the money? No. Ask anyone who is over 35 years old, and no traffic violations on their record for over five years, if their rates have gone down. Nine times out of ten, the answer will be no. The reason why insurances have become such a big industry is because the government has gotten involved and demanded that people must have house insurance, car insurance and now it will be you must have health insurance. Insurance companies jump at this like a lion who hasn't been fed for weeks and just saw a zookeeper walk into his cage without food. Yummy, for the lion, not so much for the zoo keeper. The insurance company will get whatever they can from their customers and in turn tell the doctors, drug companies and hospitals how much they will pay for certain services. In turn, the health care providers, throw their hands up and say they have no control and they are at the mercy of the insurance companies. What is wrong with this picture? The insurance companies are in the middle between the patient and treatment. Think about it ? If patients don't want the government in the middle, why are the insurance companies allowed in the middle to help decide what should or should not be done? Perhaps its time for the patient and doctor to work out what the payment should be, what treatment they should have and what works best for both parties. That is why the Health Savings Account appeals to so many consumers who want their own choices and don't want to be tied down to the red tape, endless paperwork hell of the Insurance companies. It's time to get the protection racket out of the picture. This won't happen because the poor old insurance industry will be too big to fail. Obama would be forced unfortunately, to bailout another industry. Oh, wait, with his plan this is exactly what he is doing right now. Sorry Blue Cross, HAP and all the other insurance companies, this is your swan song. Time to go.
But wait, there are those who will still maintain that health insurance is the only way to live. Assuming that it is better to have health insurance, for the sake of those who still cling to this racket. What questions should be asked? First, wouldn't it be better to shop around? Wouldn't it be better to tell the insurance companies this is what the customer needs, how much is the best plan ? It is insane that consumers can choose their car insurance, home insurance, life insurance but when it comes to healthcare they get whatever comes their way. This shouldn't be the case. It also shouldn't be the case that consumer's options for policies requires them to be responsible for the first 10,000 dollars for emergency care, then the insurance company will pick up the rest. Why bother with healthcare when the deductibles are too high? Patients will be in debt up to their eyeballs, and still have to pay the $250 dollar bill every month to the insurance companies. It doesn't take a math or economy genius to figure this out. A patient would be better not to have insurance and pay down the amount owed by setting up a payment plan with the healthcare provider. But the poor patent has been brainwashed by society that they should not have to pay for their own healthcare bills. That should be someone else's responsibility. Why is that? That makes no sense.
When the government gets involved, how much worse will it be? For starters, no choices, no control and no communication. If the paperwork and red tape from Insurance companies is bad, it is ten times worse with the government. Has anyone done their taxes lately and realized all the loop holes, regulations and forms? It's a nightmare! It would not be a surprise that the healthcare from good old Uncle Sam would not be any different. There is only one solution that makes sense and fits every American's situation: TAKE CARE OF YOURSELF. Americans have got to be trained to understand that they don't need the government to help them make decisions, they are smart enough to do it themselves. Americans do not need big insurance companies telling them what the best medical coverage is, but they do need a free market where insurance companies compete for their business. Competition has always been the best route for consumers. It's proven to 99% of the time. It seems that the tipping point has brought about a change in the way health insurance should be doing business or how they should be getting out of business.