Say Anything Blog

I have long said that insurance, if it is to survive, will have to become a la carte.  For instance, my wife and I are well past the age where we will have more kids.  We shouldn’t have to pay for services that we will never use.  Allowing people to choose what they want will make policies more affordable for the “poor.” They will be able to sign up for a reasonable amount of services at a reasonable price.

"Although I can accept talking scarecrows, lions and great wizards in emerald cities, I find it hard to believe there is no paperwork involved when your house lands on a witch.”
- Dave James

Allowing people to choose what they want will make policies more affordable for the “poor.”

Choose?  You want to choose the coverages you carry and pay for?  You want to control your money and make your own choices?  Just who do you think you are that you should be able to choose?  The Democrats know far better than you do what’s right for you and how your money should be spent.

Choose?!  Snort!  The very idea…

//sarcasm//

“Poverty of goods is easily cured; poverty of the mind is irreparable.”

Insurers are the ones that choose.
They choose to deny or delay benefits and coverage to anyone that might cost them money. Shed the risk, only insure the healthy.

How’s your DNA looking?
Family history of heart attack, diabetes?

Steve L.  I agree.  When we were first married I sent checks to BX/BX monthly.  We had a choice to choose pregnancy coverage or not.  It was, and is a choice.  The coverage had to be in place 9 months before birth.  Most intelligent people understood that.  Then around 1973, it became mandatory.

WOOF.  Insurance is a shared risk.  People with about the same risk enter a pool of risk-takers.  Those with known problems are in a different pool.  To ask those who make wise choices to pay for those who choose differently is akin to slavery.

Communism is evil

While I agree that this is bad legislation and that alcohol/substance abuse is a result of poor life choices, it is worth noting that alcohol/substance abuse are recognized DSM-IV-TR diagnoses. From the perspective of the mental health community, these disorders are on the same level as schizophrenia and bipolar. Again, I disagree, but that is the reality of the situation.

Also, you’re comparison to obesity isn’t that far off the mark. While obesity is not classified as a psychiatric disorder, the American Psychiatric Association is considering adding “binge eating disorder (BED)” to the DSM-IV-TR. If this were to occur, it is safe to assume that there would be legislation in the works to mandate health insurance to cover this disorder.

How’s your DNA looking?
Family history of heart attack, diabetes?

Actually, WOOF, under the current system, you ARE paying for me.  I have genetic kidney disease that has caused kidney failure and requires me to be on dialysis 3X a week.  Under the current system, your premiums are higher because of me.  Thanks!

"Although I can accept talking scarecrows, lions and great wizards in emerald cities, I find it hard to believe there is no paperwork involved when your house lands on a witch.”
- Dave James

I believe many if not most states are already mandating mental health coverage.

It’s a sop to the mental health community, not a decision most people would pick if the decision were left to them.

Of course this skyrockets people’s premiums, but for some stupid reason they blame the insurance company rather than the actual party at fault.

What’s going to happen to US industry when the global warming extremists like John McCain double the price of electricity?  I would think all these factories will close and set up in countries where they aren’t scared of technology.

Insurers are the ones that choose.

Not really. Insurance companies offer several different plans, and the insuree makes the choice. When the government interferes however, the choice is taken away. I forget which state it is, but they require men to get PREGNANCY insurance. Well, that makes sense. Lotta men dropping babies these days.

Yeah, I’m with you.  I’m in the Health Insurance business myself, and know for certain that the more government gets involved, the more it hurts the consumer.

I actually just started A discussion on Health Care about the solution to our Health Care woes at a political networking site called “Bastion of Reason.”

Isn’t that great, those that promis to make health insurance more affordable are laying expensive mandates on providers.

Last I heard AA and NA meetings were free (minus a contribution for coffee), and worked about as well as any other program.

Oh wait…

Can’t have that higher power thing hanging over some poor crack addicts head.