Nosathro
Posts: 3319
Joined: 9/25/2005 From: Orange County, California Status: offline
|
Some of what she says is true, but there are a few things I like to point out. First off she is talking about what is called Major Medical Insurance. This is what most people have, in medical insurance. What I have seen, is most people go for the low monthly payment. However they fail to understand that there is also a deductable, the rule is low monthly payment, high deductable and vise versa. They don't realize that yes they are covered but there is going to be a large bill because of the deductable. Major medical is mostly accident/health, meaning your covered for accidents and general health issuses. Most policies do not cover things like Cancer and long term care. Most think of long term care as the skilled nursing facility you go to when your old and bed ridden. That is not so, it can mean a visitiing home nurse, long tern phyiscal therapy etc. As an insurance agent, I review the major medical policies as well as supplemental policies and why they need them. As to the Adminstrative cost, by California law and most other states, 80 cents of each dollar of medical insurance goes to treatment, Obama wants 85 cents. Why so much on Adminstrative costs? Ask the government, they has so many forms that have to be filled out, a admission packet at any hospital is about 3 to 5 inches thick on forms that the government is requires.
_____________________________
"The love of a slave girl is the deepest and most profound love that any woman can give a man. Love makes a woman a man's slave, and the wholeness of that love requires that she be, in truth, his slave." Magicians of Gor, page 31
|