Insurance companies win with health care reform!

We are now about to be forced into buying medical insurance. The premiums are high and in-effective as it stands. Recent blog about medical insurance cost

I did not start this blog to talk about the cost of health care; even though that is the real problem. I am writing this to inform the readers of what our congress is trying to do with our existing system.

We have heard all of the details about how the new plan is to be affordable; yet no discussion as to what their idea of affordable is. Lets face it. Our problem is not that we cant get health care, we can't afford the shitty coverage that is offered.

Our doctors are just as skilled as every other countries doctors are. We live, weather we are poor or not, the emergency room will keep you alive. So what is the real problem.

Money
Money is the real problem. Insurance companies have priced themselves out of the game. Just like the banks that needed a bail out, GM, and Chrysler. The product they are selling is not worth the money. The people in the United States can not afford the rising prices of food, clothes, gas, and health care. So less people are buying insurance and the insurance companies are watching their payout column catch up to their collecting column. In order to prevent that, they in turn cut services, and screw the premium payers out of their product.

The people are pissed. They would have benefited better from G.W. Bush's savings plan alternative. If I did I would have 90K by now.
Notice that the insurance companies have stayed quiet during the congressional debate about health care . This is because, they stand best to profit from this SHAM we are being told is health care reform. This is so; because the plan forces ALLAmericans to buy their insurance. The truly poverty stricken will get government subsidies;(the government will make their payments)

So the insurance companies are not fighting this, because they will get more money than ever before. Our health care will be nearly the same as it was except we will not have a real choice. We will have the same doctors, equipment,and knowledge. Instead we are the middle class that will be paying near 10% of their income for their own insurance and additional taxes to cover those who can not cover themselves.

So essentially this bill is a hidden tax increase. This is made so by including fines and potential prison times for those who do not participate willingly.

Write your congressmen!

Tell them where to stick it.

I lost $90,000.00 betting legally in the United States

Our health care reform has been tied up in the house of representatives for some time now. They have us believing that the reform plan currently in the senate will solve our problems. The term health care reform is not to make our actual medical care better, but to mandate general coverage for all Americans. I have always looked at insurance as legalized gambling.

I paid years of premiums to my bookie, and never received anything back. I guess I was just loosing a lot. Not picking the right teams or pulling the right cards. The odds of having a catastrophic injury at my age was pretty slim. My children weren't likely to have that problem either, as I kept them safe from harm. Just in general, I did not let them do stupid shit. I had to pay $250.00 a month to keep myself covered. This totaled $3000 a year for myself. I paid an additional $3000.00 a year for my wife. I paid yet another additional $3000.00 a year for my children to be covered.

Now lets say I broke my leg and the bill was $7000.00. First I would have to pay my deductible of $250.00 ( Which later got bumped to $500.00). Then I would be responsible for another 20%($1400).

Insured
So lets look at this from the insured perspective. I had to pay $1400+$250(= $1650) because I broke my leg. I already payed $9000.00 out in premiums for a total of $10650.00. Thank you Premera blue cross.
UN-insured
Same broken leg scenario, but this time without the insurance coverage. I go to the hospital and it cost $8000.00

It cost more because they like to punish people that do not have insurance already. So okay, It cost $8000.00 and I have to pay the whole thing, but I subtract the $10650 from the $8000.00 and you get -$2650.00(profit the insurance company lost).

I went years putting my money on the pessimistic thought that I might break bones left and right, and the only winner turned out to be Premera blue cross. I never did break a bone. Never needed Iron lungs, cat scans, x-rays,or major surgery. I am over 30 years old now and If I had children at 20, then I have been paying 9K a year for over ten years.

I lost over $90,000.00 gambling against myself with my bookie (AKA Premera Blue Cross)

The message the congress is sending is faulty. They are scratching insurance companies backs by forcing all Americans making under $33,000.00 a year to buy medical insurance at full price! People making under that will get assistance on a sliding scale.( Essentially adding 10% to your taxes) + (actual tax rate increase to cover new reform bill)

All Americans not paying their premiums into the new Health care alliance will be fined up to $3800.00 per year and subject to imprisonment(NOT JAIL- PRISON)