Quote:
Originally Posted by Dr Winston O Boogie jr
Shouldn't we stop calling this INSURANCE? Insurance is basically a wager. You're putting up money and saying that you're going to get sick or that your house will burn down or you'll injure someone or damage property in an automobile incident. The insurance company is saying, "We bet you won't". If you win the bet the insurance company has to pay and if you lose the bet, you lose your money.
By demanding that insurance companies cover an event that has already happened, is a losing bet for them.
What we now have is no longer health insurance. It is basically socialized medicine being controlled by private companies.
Pre-existing conditions is something that politicians have come up with to garner vote by promising to force companies to place bets that they know they are going to lose.
I'm not sure what the answer is. I'm basically against socialized medicine, but insurance companies in collusion with providers and pharmaceutical companies have increased the cost of health care and drugs to the point where no one can afford them any longer. Now the government is going to force companies to lose money which can only lead to an increase in prices.
I don't like to think about the government taking over anything that it shouldn't but what we now have is obviously not working.
But it's not insurance. It's more like pooled health care costs.
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Do you have Medicare? Are you happy with it? Perhaps the government should charge higher Medicare premiums to those of us that have pre-existing conditions - how would you feel about that? The truth is that most people our age have pre-existing conditions.