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Bliues deny coverage to ill newborn baby
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Bliues deny coverage to ill newborn baby
|
Bliues deny coverage to ill newborn baby
|
Bliues deny coverage to ill newborn baby
On 3/31/10 11:25 AM, Eisboch wrote:
Our disagreement may be on the term "life threatening". Conditions that can lead to a life threatening situation should, in my mind, be addressed and covered. I am talking about subsidizing health insurance in an HMO type structure whereby receipients get free or next to free medical services for sniffles, colds or issues of convenience. Eisboch Do most people, even with HMOs, see the doctor for sniffles or colds? I'm not sure what "issues of convenience" are. My doctor wants to see me every four months. I usually have nothing to report to him in terms of aches, pains, ailments, but he checks me over anyway, and has blood drawn. Prior to flu season, I pop by his office for the nurse to give me the "shot." I see my ophthalmologist once a year for an eye exam. Are these "issues of convenience"? -- http://tinyurl.com/ykxp2ym |
Bliues deny coverage to ill newborn baby
"hk" wrote in message m... On 3/31/10 11:25 AM, Eisboch wrote: Our disagreement may be on the term "life threatening". Conditions that can lead to a life threatening situation should, in my mind, be addressed and covered. I am talking about subsidizing health insurance in an HMO type structure whereby receipients get free or next to free medical services for sniffles, colds or issues of convenience. Eisboch Do most people, even with HMOs, see the doctor for sniffles or colds? I'm not sure what "issues of convenience" are. My doctor wants to see me every four months. I usually have nothing to report to him in terms of aches, pains, ailments, but he checks me over anyway, and has blood drawn. Prior to flu season, I pop by his office for the nurse to give me the "shot." I see my ophthalmologist once a year for an eye exam. Are these "issues of convenience"? Yes. I won't bore you again with the tale or details, but I did a survey once that proved that it would have been less costly for my (former) company and for the employees if I had simply paid for or re-impursed the cost of the services that you described to the employees and had a Major Medical insurance plan to cover serious, catasrophic or life threatening injuries or illness. Unfortunately, the state of MA nor the Insurance companies would allow such a thing. Eisboch |
Bliues deny coverage to ill newborn baby
"Eisboch" wrote in message ... "hk" wrote in message m... On 3/31/10 11:25 AM, Eisboch wrote: Our disagreement may be on the term "life threatening". Conditions that can lead to a life threatening situation should, in my mind, be addressed and covered. I am talking about subsidizing health insurance in an HMO type structure whereby receipients get free or next to free medical services for sniffles, colds or issues of convenience. Eisboch Do most people, even with HMOs, see the doctor for sniffles or colds? I'm not sure what "issues of convenience" are. My doctor wants to see me every four months. I usually have nothing to report to him in terms of aches, pains, ailments, but he checks me over anyway, and has blood drawn. Prior to flu season, I pop by his office for the nurse to give me the "shot." I see my ophthalmologist once a year for an eye exam. Are these "issues of convenience"? Yes. I won't bore you again with the tale or details, but I did a survey once that proved that it would have been less costly for my (former) company and for the employees if I had simply paid for or re-impursed the cost of the services that you described to the employees and had a Major Medical insurance plan to cover serious, catasrophic or life threatening injuries or illness. Unfortunately, the state of MA nor the Insurance companies would allow such a thing. Eisboch "would *not* allow" |
Bliues deny coverage to ill newborn baby
On 3/31/10 12:12 PM, Eisboch wrote:
"hk" wrote in message m... On 3/31/10 11:25 AM, Eisboch wrote: Our disagreement may be on the term "life threatening". Conditions that can lead to a life threatening situation should, in my mind, be addressed and covered. I am talking about subsidizing health insurance in an HMO type structure whereby receipients get free or next to free medical services for sniffles, colds or issues of convenience. Eisboch Do most people, even with HMOs, see the doctor for sniffles or colds? I'm not sure what "issues of convenience" are. My doctor wants to see me every four months. I usually have nothing to report to him in terms of aches, pains, ailments, but he checks me over anyway, and has blood drawn. Prior to flu season, I pop by his office for the nurse to give me the "shot." I see my ophthalmologist once a year for an eye exam. Are these "issues of convenience"? Yes. I won't bore you again with the tale or details, but I did a survey once that proved that it would have been less costly for my (former) company and for the employees if I had simply paid for or re-impursed the cost of the services that you described to the employees and had a Major Medical insurance plan to cover serious, catasrophic or life threatening injuries or illness. Unfortunately, the state of MA nor the Insurance companies would allow such a thing. Eisboch Well, I'm sure I would not agree that regular checkups are "issues of convenience" for old farts like me. If my health insurer thought otherwise, it wouldn't authorize the visits. I was on the health and welfare committee of my local for many years. We had a multimillion dollar deductible that we covered with a second insurance plan. There was a substantial cost savings for us to do that. Most construction worker union members pay the entire cost of their health insurance premiums. There is no employer contribution. It's part of the hourly rate. If that rate is $45, $8 an hour of that might go for health care premiums and other amounts go to other bennies. -- http://tinyurl.com/ykxp2ym |
Bliues deny coverage to ill newborn baby
On Wed, 31 Mar 2010 11:25:39 -0400, "Eisboch"
wrote: "Peter Prick" wrote in message ... In article , says... "Peter Prick" wrote in message ... Though Eisboch may mean well, his answer is bereft of any thought or logic, and could insult anybody with the slightest knowledge of the health care issue. That's fine though, since this is a boat venue, and most here probably don't spend much time in debating health care policy. Not attributing anything to Eisboch, but I've heard much the same empty words from Republican politicians. "We have good ideas." "There's a better way." Whenever pressed for details, they propose ideas that have been rejected time and again as not offering a solution to the problem, and which would simply maintain, or even worsen, the status quo. Your "WTF" was quite appropriate. Again, I understand that Eisboch may mean well. I'm sure he is better versed in boats than he is in the health care issue. And it is unfair to ask him to put in a paragraph what Congress needed +2700 pages to describe. You are correct, Prick or whoever you are. I don't claim to be a health insurance expert, nor do I have all the answers. However, I *do* have some experience in the administration of health care plans in a company and I have some experience in the application of health insurance as it pertains to a serious health issue. Not to sound like a broken record, but the health insurance problem started with the demise of affordable, Major Medical health insurance (catastrophic insurance) that started in the late 1970's and early 1980's. When HMO, then PTO and other similar plans became the standard in the industry, the cost of medical insurance began it's upward spiral. It now seems that a medical insurance plan styled like an HMO and subsidized by taxpayers for those who can't afford it is expected to be a right. I have no problem with insurance or subsidized care/service for life threatening or disabling conditions. I *do* have a problem with subsidized HMO type programs covering everything under the sun, including elective or for convenience surgery, convenience abortions (meaning non-life threatening) etc. When it comes to basic health care, everyone should have it and those who can't afford it should be helped. When it comes to other, elective or unnecessary care, surgery, etc, I think you should pay for it and not have it paid for by others. Really very simple. Eisboch Nothing is simple when it is clouded by lies. I have not seen or heard anything suggesting that this bill will make "everything under the sun" available. But I have heard that catching medical conditions early and treating them is much cheaper than later amputations, prosthetics, dialysis, transplants, etc, the latter of which you are implying is the best course, given your frequent use of "life threatening." You may disagree with that. But you won't find a doctor to agree with you. Simple as that. Our disagreement may be on the term "life threatening". Conditions that can lead to a life threatening situation should, in my mind, be addressed and covered. I am talking about subsidizing health insurance in an HMO type structure whereby receipients get free or next to free medical services for sniffles, colds or issues of convenience. Eisboch A simple case of gangrene, untreated, turns into an amputation or toxic poisoning that's certainly life threatening. You'd opt to ignore the simple case and wait until it'll cost 100's of thousands of dollars in emergency hospitalization and care. Makes perfect sense. |
Bliues deny coverage to ill newborn baby
On Wed, 31 Mar 2010 12:12:44 -0400, "Eisboch"
wrote: "hk" wrote in message om... On 3/31/10 11:25 AM, Eisboch wrote: Our disagreement may be on the term "life threatening". Conditions that can lead to a life threatening situation should, in my mind, be addressed and covered. I am talking about subsidizing health insurance in an HMO type structure whereby receipients get free or next to free medical services for sniffles, colds or issues of convenience. Eisboch Do most people, even with HMOs, see the doctor for sniffles or colds? I'm not sure what "issues of convenience" are. My doctor wants to see me every four months. I usually have nothing to report to him in terms of aches, pains, ailments, but he checks me over anyway, and has blood drawn. Prior to flu season, I pop by his office for the nurse to give me the "shot." I see my ophthalmologist once a year for an eye exam. Are these "issues of convenience"? Yes. I won't bore you again with the tale or details, but I did a survey once that proved that it would have been less costly for my (former) company and for the employees if I had simply paid for or re-impursed the cost of the services that you described to the employees and had a Major Medical insurance plan to cover serious, catasrophic or life threatening injuries or illness. Unfortunately, the state of MA nor the Insurance companies would allow such a thing. Eisboch I have argued on behalf of self-coverage augmented by catastrophic care coverage in my state. The state doesn't allow it for some obvious reasons. They don't trust business to keep the faith, even if the money were put in escrow and an independent administrator hired to oversee. That was a good argument when my workforce was young. As me and my workforce age, it makes less sense since the unmarried employees married, pregnancies came, minor surgeries and the lot, which now cost 1000s of dollars, make that particular combination difficult to justify in a self-insurance plan, nevermind the overhead of administration. While your ideas have merit, your specific solution has limited applicability to the broader issue of health care as a right or privilege. |
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