I'm a little confused about the health care reform bill.

[Kasz216]

akuma587 said:

Kasz216 said:

Honestly thinking about it.

The best way to fix healthcare would be to do three things.

1) Put in price controls. Not as much as other countries... as to not stop research and halt medical progress... but enough to cheapen stuff.

2) Give those who develop preexisting conditions before a certain age Medicare.

3) Make it impossible for insurence agencies to drop people.


That fixes about everything. Not everyone will get health coverage beceause not everyone WANTS it (until they get sick) but it's the fairest way to do it.

 

Better then an expensive crappy medical insurance plan like this one anyway... one of the people in opposition of this plan tried to get an ammenedment passed that everyone in government including the president and congress should use this plan.

Congress didn't want that.  So i can't imagine the healthcare provided by this will be very good.

They are doing a good deal of #1, at least in terms of allowing Medicare and other government run programs to have more flexibility in what they will and won't pay for.  And a public option would be a price control on private insurance companies.

#2 kind of falls over into the realm of what social security disability already does.  And it would be a bureaucratic nightmare to make some of these determinations rather than just have you get coverage at a certain age.  A simpler solution would just be to give insurance companies less ability to price discriminate based on your individual medical history.

#3 is definitely a good thing, and this is something that Congress is trying to implement.  A lot of states have already done it.

1) That's not what everyone on Capital hill says.  Afterall that's a big reason why nobody wants to pass it.  The system is modeled after the Massachuses Healthcare plan... which is currently falling apart... proving to be hugely expensive and only benefiting insurance companies.

 

2) There is a problem with making it so insurance companies can't price discriminate.

I thought that was possible until I ran into Dental Insurance.

 

I wanted to pick up Dental insurance since i grind my teeth in my sleep.  However what they do with Dental insurance is you pay today... and they provide insurance a 6-motns to a year from now.  They delay coverage like that because they couldn't survive otherwise.

 

Basically because people get cavaties... then they buy Dental insruance for a month or two.  Get the surgery done and cancel.

 

3) Indeed that should be country wide.