Ferrari Mailing List: Re: Politics - Not List Material

[JAshburne (JAshburne]

Stories like this make you wonder what health care would be like if there  
was no such thing as health insurance at all.  Maybe, just maybe, health  
care actually would be affordable for 95% of people and medicaid/medicare 
could  take care of the truly indigent.
 
I do think that it is true that people today do not have any real incentive 
 to investigate costs of their health care because they only pay a low 
deductible  or copay no matter what the total charge for service is.  The 
insurance  companies might have an incentive to try to lower costs but they do 
not 
have the  "feet on the ground" ability to chase down individual claims even 
though they do  set prices on what they will pay for service.  It is just 
easier to pass  along the costs of the low percentage of insured people who 
really incur the  high costs for surgeries or treatments to the vast majority 
who are lucky enough  not to need those services.
 
Insurance was created in order to spread the high costs of low probability  
events across a large population who would be willing to pay for protection 
 against the low probability event that would have catastrophic costs to 
them if  it happened.  It has evolved to where everyone expects that costs 
that are  incurred by 100% of the population should also be covered and that 
just makes no  sense since there is no spreading of those risks (costs) when 
it happens to 100%  of the population.  This just adds layers and layers of 
bureaucracy and  additional costs and opens up the possibility of greater 
fraud and waste.
 
I think that health insurance costs and the costs of medical care would go  
way down if the government got out of the way and insurance deductibles 
were  raised so that routine everyday care was paid for by the individuals.   
Leave health insurance for catastrophic coverage, not for a wealth transfer 
or  welfare system payment.
 
 
 
In a message dated 11/14/2009 2:00:08 P.M. Eastern Standard Time,  
BrianBuxton [at] BuxtonMotorsports.com writes:

I had a  friend in Las Vegas whose wife had cancer treatments.  There 
bill was  fairly large at the end of the treatments and the hospital 
reduced the  bill 50% because they wanted to pay cash.

Brian



Paul  Bennett wrote:

>>John Conforti:  I have actual experience  here.
>>    
>>
>
>Sept 2008  
>         Quantity 1 Childbirth Maternity for  Zach..$10,000  -  quantity 
break occurs at 6
>      Misc....$ 1,245  -  for aspirin (dr had headache)
>    Tax...   $   800  -  state, county, hosp  district, ambulance 
district, 
>           Insurance Co Pays     $     00
>                 Government advanced paperwork  $500 - for SSN  + advanced 
permits for DL, Gun Pmt, PPort, bar code tat, and draft  card
>                   SubTotal             $22,053
>               CoPay        $     50  - actually deposit for the wheelchair
>         Skin color allowance       $   -500   
>            Pole Tax  (who did u vote 4)    $  300
>         Family Affiliation Allowance    $-1000
>   Bottom    Line       $15,000
>
>***************************************************************************
*****
>
>  Sept 2008     
>     Quantity 1  Nine  Pound 'Noisy' Wart Removed ..     $200 
>     Sewing up the hole at excised area         
>        where the wart was removed.     $ 50
>       After discussion with father it was 
>         decided to reverse that procedure         $  50
>        Insurance Co Pays    90%   $270
>         Blanket for box which holds wart            $   2
>        Bottom Line    $  32
>         
>        Ten  years later : Fee to bribe government agencies to get SSN,
>   + advanced permits for DL, Gun Pmt, PPort, bar  
>        code tat, and draft card $100.    
>         
>
>
>
>
>
>
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-- 

Brian E. Buxton, President



Buxton  Motorsports, Inc. <http://www.buxtonmotorsports.com>

301 North  Royal Ave.

Buxton Plaza

Evansville, IN 47715-2866

(812)  476-2281 x 209 office

(812) 760-5513 mobile



Member  ThaList.com <http://www.ThaList.com>



President, Brian  Buxton Enterprises, Inc.  
<http://www.buxtonmotorsports.com/storage-transportation.php>

Nationwide  Enclosed Auto Transportation



Founder & Past  President

SO. IN Region  PCA

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