Aynne88
Posts: 3873
Joined: 8/29/2008 Status: offline
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quote:
ORIGINAL: FirmhandKY quote:
ORIGINAL: Aynne88 quote:
ORIGINAL: Marc2b quote:
Thanks, I already have that, it's called Anthem Blue Cross/Blueshield. If you don't like them then find a different insurance company. How simple. I believe if you go back a few pages here, I have them as well and in Maine they are really the only company that many doctor's will take, they have the largest coverage, and there is basically no worthy competion. I explained this already to CruelandUnusual. Not to speak for rule. Of course, you also need to enroll only at certain times, and have a physical in some cases, etc. Not quite as simple as your suggestion. They are also very expensive and getting another 14.5% rate increase next month. Wonderful system. . *sigh* I hate to do this, because I really, REALLY don't want a monolithic government health care system ... But in many places, especially rural areas, the current private insurance system is broken. I've got a lot of experience with Anthem. None of it good. As a small business owner in Kentucky several years ago, the state government got into a mess with legislating health insurance. Blue Cross went private, and became Anthem. Illegally, it turns out. They did this in response to a new Kentucky laws that ended up running out every other single private insurance carrier (and, I'm pretty sure, in response to Tennessee's "Hillary-Health-lite" insurance changes that ended up bankrupting the Medicare/Medicad system in that state). Suffice it to say, once Anthem had a monopoly in the state, the premiums for my company - where I paid 100% of all family health care coverage for all my employees - went from about $30k to year, to $30k a month ... and they started cancelling anyone they considered "high risk" (they had more than a couple of claims in a year). They wouldn't pay claims in any kind of timely manner, without constant calls and intervention. Even after we went to the State Insurance Ombudsmen. The law would't allow them to cancel some of the policies in the time frame that was convenient for them, so all of a sudden they "never received" our renewal one year, despite the fact that the local agent had proof of receipt, and proof of transmittal to their state offices. I testified about the sordid mess to the State's Joint Legislatures' Insurance and Banking Committee, with documentation. The Anthem lobbyist met with us and was the nicest, friendliest guy in the world, assuring us that he would ensure that everything was straightened out. We left, and the next week received notice that all our remaining polices were canceled. No reason. Just because. Bastards. I'm no longer in Kentucky, with my old company, but the bad taste left in my mouth tells me that the current system is broken. I'm not sure I'm smart enough to tell anyone how to fix it, but what I do know is that a similar monoply, run by the government will likely not fix all the problems, and will likely encourage more problems. Not sure that there are any easy answers. Firm Yayyyy!!!! I am in absolute and complete agreement with Firm. Holy hell, the sky is falling and the world shall soon end . Seriously Firm, for years I was fine with my private pay, it hovered in the 350 to 400 range for 2, etc. The last 7 or o years Anthem had pretty much had a monopoly in Maine, and it sucks. My monthly premium almost double overnight, you can not get anything paid, they deem everything as "elective". Sure, surgery for deep vein thrombosis with two seperate opinions is just me trying to get cosmetic work for vericose veins. . Assholes. I hate them, and I hate that they have a monopoly is more rural states like Firm said. It takes call after call to get anything paid and the constant battle is exhausting. I can't see how the government handling it could be any worse. And beleive it or not Firm, I am not a huge fan of how the government handles things like that, have you ever googled the state of Maine's own health plan "Dirigo"? An absolute freaking failure, and an expensive one at that. I have to give Romney credit, so far it seems he had it down.
< Message edited by Aynne88 -- 3/31/2009 6:05:56 AM >
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As long as people will shed the blood of innocent creatures there can be no peace, no liberty, no harmony between people. Slaughter and justice cannot dwell together. —Isaac Bashevis Singer, writer and Nobel laureate (1902–1991)
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