NeedToUseYou -> RE: AMA & AARP endorse House health care bills (11/13/2009 4:09:21 AM)
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The reason I didn't reply is because I know you won't like the answer. The first is that the insurer spent 2 MILLION dollars to try to save one persons life. I think that is fair and reasonable. If someone disagrees my question becomes, how much should we pay / person, as the answer is not infinite under any system. I didn't say in my initial post there would be no lifetime maximums. The second example was one that showed the dangers of not saving any money for hardship. As far as the really poor there is already medicaid. I really don't understand what people expect of insurance, do people think that we should spend 10 million? 20 Million? We can't do that. Someone will always be out there that could have been helped by another million, but that always comes at the expense of someone else. So, in the first example, I see no problem. He was served with 2 million in services to try to save him. The second it appears, is someone taking a risk with their finances that didn't pan out, as in instead of saving any amount of consequence apparently spent every dime they've ever made. I can hear the response, I couldn't I had to spend everything to survive. Well, then one should have invested in a little education, and got a job that would afford that ability. Just making enough to solely pay the bills, is a recipe for going broke, no matter who you are. It isn't a plan for success, that is exactly why the poor stay poor, or quickly return to it. So, I'm not necessarily sympathetic, as there is no explanation as to why the person was impoverished before losing their job. Anyway, as far as I'm concerned infinite healthcare is not a right. Also spending every dime one has ever made, does not and should not guarantee financial stability or quality of life compared to others that worked towards savings and security. My solution merely involves giving everyone the right to buy insurance initially and keep it, I've no problem however, with cumulative lifetime maximums, or someone without health insurance losing everything because of life decisions previous to the illness. As far as the second example you gave I'm just wondering how an adult with kids never considered saving for a rainy day, or even beyond that if health insurance was truly a concern, they had no family or friends to lean on. It's just hard for me to imagine a grown responsible adult w kids, not being in a position to weather a few months of hardship. I look at it, that you are lucky they gave you money to eat, considering you didn't save any money. One might say their job didn't pay enough to save, well, then in 20 years why did they not get trained for a better job? My point is without knowing a more complete history of the person, it's impossible to know if that situation was really a tragedy or if it was just the manifestation of years of living on the edge financially, and not working to correct it. Maybe I'm cold, but if I got severely long term sick right now, I'd fully expect to lose everything it's a risk I accepted in the short term. However, I'm at the point now to where the minimal cost for a decent amount of protection against that event is worth the cost, and that means the ability to pay for it, even if got sick, or something else happened (savings). LOL, I can hear it now, I'm the devil. whatever, I trully don't hold anyone to a standard I don't hold myself to. So, no hypocrisy here. The hypocrisy is that we expect to be able to live on the edge and expect no possible repurcussions for doing so. Putting flame suit on....[sm=blasted.gif]
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