[StBernard] Socialized Medicine's Front Door

[Westley Annis]

Firstly, "socialized medicine" is a liberal idea. Great as a "Medicaid"
incentive to minorities, illegal aliens (and those yet to be
"institutionized" into the American Culture in all parts of the U.S. Since
this country is leaning horribly towards a socialistic society (Godless,
anti-American, State-run this and that, (geez, it's starting to sound like
Cuba or the Soviet Republic, huh?), it would be a natural to see all that
the liberals can do to make it so.

Regarding the insurance, most are bent towards "catastrophe" type illnesses
and accidents, such as heart ailments/attacks/operations, cancer and other
serious/catastrophic/long-term disorders/diseases and commitments with
lengthy hospital stays. Hence the large deducible and a premium may or may
not reflect the cost here.

Many young people are prone to "invincibility" mentality whereas "nothing
probably won't happen to me (well, diseases, accidents and hospital stays do
happen to all) and thus, they feel it's a waste of time. A catastrophic
illness or long-hospitial stay can not only wipe out one's savings (if there
is any) but put someone in a huge hole financially for many years.

Think of it as a gambler's chances. Insurance are betting you never have to
place a claim and you're betting nothing ever will happen to you where
you'll need to do so. 

(not unlike many who found themselves in a serious bind by having little to
no coverage to financially survive our latest nemesis, Katrina. It's a
chance one has to take and hopefully any person faced with life's little
chances will make the correct decision one way or another.

-=-jer-=-



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How many people choose not to have health insurance because it doesn't make
economic sense?

Twelve years ago I dropped the health insurance for myself and my daughter
because it didn't make sense financially. The monthly premium was around
$300 plus I had a $500 out-of-pocket deductible before they pay even one
cent.

I had to laugh when discussing this over the phone with the insurance hag
from Chicago over the phone.  She was a "professional" in the business for
years and had never seen an insurance policy that was any different.

I told her in my limited ten years of work experience, I had never seen
anything so lopsided as what she was selling.  

Needless to say, I cancelled that policy once I found out how much it
wouldn't cover.  It was far cheaper to just pay the doctor bills myself.

Westley