Health Care – The Bane of My Existence

Posted: July 8, 2009 by April Watkins in Health, Health Care Reform, Health Insurance, U.S. Congress, White House
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I am one of those Americans…a citizen without health insurance.  It is not for the lack of attempting to acquirewoman looking distraut coverage.  When I made an inter-state move, I could not take my health coverage from BlueCross/BlueShield with me.  Why?  I simply could not find a logical answer…and nor will Congress as they trudge through the morass of the health care system.

While Obama and Company make plans to “help” folks like me – those with no insurance, the details and reality of implementing such an enormous task reveals, yet another attempt at massive control of America’s citizens. 

Dr. ObamaThis week both houses of Congress will continue debate on health-care reform.  The President has set a deadline of August 8 for both houses to vote on proposed legislation for a new medical insurance plan that will provide coverage for every American.  Stated in its raw form, this idea seems like a good idea, expensive no doubt, but a humanistic and conscientious idea.  With more study however, the plan exposes the largest power grab in our nation’s history.

As with anything produced from government, the proposed plans are lengthy and filled with nonsense.  The tri-committee task force in the House has issued a plan that is 852 pages in its first draft form. Rest assured that the Senate will add no less than an additional 1,000 pages.  Either way it will not matter, as neither house will read the bill prior to vote…as usual.

Dr. Robert E. Moffit, director of the Center for Health Policy Studies at The Heritage Foundation issued a report last week that stated, “the [House] bill would create a new public plan to compete with private health insurance in a national health insurance exchange; impose mandates on individuals and businesses to buy health insurance coverage or be subject to tax penalties; and allow the federal government to control, standardize, and regulate health insurance, defining what is and is not ‘acceptable coverage’ for American citizens.”

This depth of control and mandate into the personal lives of citizens severely oversteps the boundary of government according to our Constitution. 

rejectedMy situation is a great example of the inane policies that currently regulate our health insurance system.  My policy from Virginia was a sort of “tri-state” policy and recognized medical treatment in Virginia, Maryland and the District of Columbia.  This triad was their range of “in-network” care.  Much to my surprise, I found that not only was Tennessee’s BlueCross/BlueShield considered “out-of-network,” it was not part of the same insurance company…well, at least for the sake of policy owners.  I was not allowed to simply transfer my coverage to the Tennessee system.  However, when I asked how to acquire coverage from Tennessee, I was told that my records from Virginia would be taken into consideration for the purpose of pre-existing my coverage.  The end result was that I could buy a new policy from Tennessee BC/BS, but nothing would be covered except for new maladies.  To me, that meant spending $4,668 per year in premiums, plus a $1,000 deductible, plus a $30-50 co-pay per visit.  Since my “maladies” would not be covered, I decided that paying out of pocket would be much less expensive for the occasional flu or cold. 

As I listen to the lofty plans from both Democrats and Republicans to provide health care for all and reform the system, it occurred to me that they are overlooking the obvious.  By simplifying regulations on insurance companies, the cost of coverage could be decreased significantly; thus giving an incentive for people to buy insurance.  Here are a couple of ideas that seem simple enough for even Congress to understand:

  • Allow for inter-state transfer of an existing full coverage policy, especially within the same corporate umbrella.  This should include the waiver of pre-existing conditions for an existing policy holder.
  • Dismantle or reorganize the grouping policies of insurance companies. These companies make most of their money on the risk ratio within a group.  However, groups are not available to large majorities of the population, or the restrictions of group membership are too narrowly defined. 

Actions as simple as these would go far to ease the crisis in health insurance coverage with minimal government involvement. 

Congress and the President have forced too much “change” onto the American public with little to no discussion and sketchy detail.  More consideration should be put into a project of this magnitude which will impact the private lives of citizens and bankrupt our country.  We only have a short time to convince our elected Congressional nitwits to stop their headlong rush into Socialism through acts such as this.  And that is…Why It Matters.

  1. […] Original post by April Watkins […]

  2. HealthForum says:

    I do not have insurance either. Our healthcare system is broken! It easily costs over $1,000/yr to get insurance (something i cannot afford).

  3. Simon bukai says:

    this may be very hard for many to believe but Most Americans are happy with their health insurance (about 71%). now when a US president is almost up for reelection, if his poll numbers are that high he is almost certainly reelected. Yes change certainly needs to be made and many people cannot afford health insurance. Lets have the government first fix Medicare and Medicaid. then perhaps the people will put more faith in their abilities. My company ( specializes in health insurance and we hear from consumers everyday indicating that something needs to be done because its just too costly as is stands now. I don’t think health insurance companies have anything to fear from a public health plan, when has the govt been able to fairly compete with the private

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