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	<title>Comments on: Health Insurance Isn’t</title>
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	<description>Conservative and Libertarian Intellectual Philosophy and Politics</description>
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		<title>By: ruminator</title>
		<link>http://www.intellectualconservative.com/2009/06/16/health-insurance-isn%e2%80%99t/comment-page-1/#comment-78789</link>
		<dc:creator>ruminator</dc:creator>
		<pubDate>Sun, 28 Jun 2009 22:37:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.intellectualconservative.com/?p=6177#comment-78789</guid>
		<description>Thanks for post number one. In assigning some blame to insurance companies (&quot;they take advantage of consumer&#039;s stupidity&quot;) you have attacked one of the parties that conservatives tend to leave alone. Why I don&#039;t know. I thought they were interested in reducing waste.
Here&#039;s one reason that health insurance costs so much: we all want to live as long as possible, regardless of the quality of life. It&#039;s a moral obligation.
In some states your auto insurance premium goes up if you&#039;ve had a lot of accidents. So why are overweight and obese people not charged more for health insurance?</description>
		<content:encoded><![CDATA[<p>Thanks for post number one. In assigning some blame to insurance companies (&#8220;they take advantage of consumer&#8217;s stupidity&#8221;) you have attacked one of the parties that conservatives tend to leave alone. Why I don&#8217;t know. I thought they were interested in reducing waste.<br />
Here&#8217;s one reason that health insurance costs so much: we all want to live as long as possible, regardless of the quality of life. It&#8217;s a moral obligation.<br />
In some states your auto insurance premium goes up if you&#8217;ve had a lot of accidents. So why are overweight and obese people not charged more for health insurance?</p>
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		<title>By: fishgutz</title>
		<link>http://www.intellectualconservative.com/2009/06/16/health-insurance-isn%e2%80%99t/comment-page-1/#comment-78690</link>
		<dc:creator>fishgutz</dc:creator>
		<pubDate>Thu, 18 Jun 2009 01:48:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.intellectualconservative.com/?p=6177#comment-78690</guid>
		<description>Instead of being relatively open market, the BO plan will put private health insurers out of business. Ultimately that is the goal. They know that when the government seriously distort a market, the market goes away leaving only the government standing. 
Even under socialist medicine there will still be two health systems. One for the wealthy power elite and one for the rest of us. No one believes that Michelle O or Hillary Clinton are going to wait in line behind their maids to see a specialist. 
But the rest of us will start dying waiting to be treated. This is part of the cost reduction plan. And watch for a stealth &quot;assisted suicide&quot; federal law. If Oregon considers it a treatment option for cancer, do you think BO won&#039;t?</description>
		<content:encoded><![CDATA[<p>Instead of being relatively open market, the BO plan will put private health insurers out of business. Ultimately that is the goal. They know that when the government seriously distort a market, the market goes away leaving only the government standing.<br />
Even under socialist medicine there will still be two health systems. One for the wealthy power elite and one for the rest of us. No one believes that Michelle O or Hillary Clinton are going to wait in line behind their maids to see a specialist.<br />
But the rest of us will start dying waiting to be treated. This is part of the cost reduction plan. And watch for a stealth &#8220;assisted suicide&#8221; federal law. If Oregon considers it a treatment option for cancer, do you think BO won&#8217;t?</p>
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		<title>By: milbrat</title>
		<link>http://www.intellectualconservative.com/2009/06/16/health-insurance-isn%e2%80%99t/comment-page-1/#comment-78667</link>
		<dc:creator>milbrat</dc:creator>
		<pubDate>Wed, 17 Jun 2009 17:24:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.intellectualconservative.com/?p=6177#comment-78667</guid>
		<description>Re; Health Insurance Isn&#039;t

Skyrocketing demand and limited supply is already Status Quo in many areas of the country. We&#039;ve stopped trying to access the Emergency Room at our local hospital.

About three years ago, my wife cut herself rather badly in the kitchen. We wrapped her hand in a towel and headed to town. We sat in the Emergency Room at the local hospital for almost three hours after triage. Apparently; there were numerous others with more threatening conditions. The overwhelming majority of these didn&#039;t seem to speak much English. Anyway, once we had been escorted from the waiting area into the actual Emergency Room itself one would expect that the first person you would encounter would be a nurse, or a doctor. Not so! The first person we saw was a Financial Counselor who said; &quot;You have health insurance. Your Emergency Room deductable is $100. How will you be paying that today?&quot;

This person had my credit card debited and returned to me at least 15 minutes before my wife finally had the opportunity to show her injury to a nurse. It was another three hours of occasional tests and casual neglect by the staff before that same original nurse placed three stitches over the wound and we were free to go.

The next time we had occasion to utilize such services; instead of going to the emergency room we went to the Critical Care Clinic about two blocks further down the street. We walked into the clinic, broke up a Pinochle game being played between the doctor, two nurses, and the front office assistant. Paid the same $25 deductible we&#039;d normally pay for a doctor visit, and were seen immediately by a staff that literally had no one else to serve. In and out in 15 minutes with a prescription for the problem and back home within the hour.

The present emergency medical system is so overloaded with non-paying patients that emergency rooms are overwhelmed. Another aspect of the high incidence of people demanding service with no ability to pay is that once a customer shows up that actually may be able to pay, they will collect BEFORE service is given.

I&#039;m not certain what this current discussion about covering the uninsured is all bout. They all get treatment. It is against current federal law to refuse to treat anyone! As near as I can figure the problem seems to stem from the liberal requirement for &#039;sameness&#039;.

Equality implies that all begin on equal footing. Your personal attitude and drive determine how well you succeed. Liberalism demands &#039;sameness&#039;. All persons get exactly the &#039;same&#039; treatment regardless of ability. I even believe that a majority of persons don&#039;t believe that disposable income should be disposed of by purchasing health coverage. &quot;Government should pay for my health care. My earned income is for cars and flat screens.&quot;

I guess it is a combination of  most people not wanting to spend money on essentials (health care) and all believing that being equally sick is better than being unequally healthy.</description>
		<content:encoded><![CDATA[<p>Re; Health Insurance Isn&#8217;t</p>
<p>Skyrocketing demand and limited supply is already Status Quo in many areas of the country. We&#8217;ve stopped trying to access the Emergency Room at our local hospital.</p>
<p>About three years ago, my wife cut herself rather badly in the kitchen. We wrapped her hand in a towel and headed to town. We sat in the Emergency Room at the local hospital for almost three hours after triage. Apparently; there were numerous others with more threatening conditions. The overwhelming majority of these didn&#8217;t seem to speak much English. Anyway, once we had been escorted from the waiting area into the actual Emergency Room itself one would expect that the first person you would encounter would be a nurse, or a doctor. Not so! The first person we saw was a Financial Counselor who said; &#8220;You have health insurance. Your Emergency Room deductable is $100. How will you be paying that today?&#8221;</p>
<p>This person had my credit card debited and returned to me at least 15 minutes before my wife finally had the opportunity to show her injury to a nurse. It was another three hours of occasional tests and casual neglect by the staff before that same original nurse placed three stitches over the wound and we were free to go.</p>
<p>The next time we had occasion to utilize such services; instead of going to the emergency room we went to the Critical Care Clinic about two blocks further down the street. We walked into the clinic, broke up a Pinochle game being played between the doctor, two nurses, and the front office assistant. Paid the same $25 deductible we&#8217;d normally pay for a doctor visit, and were seen immediately by a staff that literally had no one else to serve. In and out in 15 minutes with a prescription for the problem and back home within the hour.</p>
<p>The present emergency medical system is so overloaded with non-paying patients that emergency rooms are overwhelmed. Another aspect of the high incidence of people demanding service with no ability to pay is that once a customer shows up that actually may be able to pay, they will collect BEFORE service is given.</p>
<p>I&#8217;m not certain what this current discussion about covering the uninsured is all bout. They all get treatment. It is against current federal law to refuse to treat anyone! As near as I can figure the problem seems to stem from the liberal requirement for &#8216;sameness&#8217;.</p>
<p>Equality implies that all begin on equal footing. Your personal attitude and drive determine how well you succeed. Liberalism demands &#8216;sameness&#8217;. All persons get exactly the &#8216;same&#8217; treatment regardless of ability. I even believe that a majority of persons don&#8217;t believe that disposable income should be disposed of by purchasing health coverage. &#8220;Government should pay for my health care. My earned income is for cars and flat screens.&#8221;</p>
<p>I guess it is a combination of  most people not wanting to spend money on essentials (health care) and all believing that being equally sick is better than being unequally healthy.</p>
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		<title>By: Mountain Man</title>
		<link>http://www.intellectualconservative.com/2009/06/16/health-insurance-isn%e2%80%99t/comment-page-1/#comment-78662</link>
		<dc:creator>Mountain Man</dc:creator>
		<pubDate>Wed, 17 Jun 2009 14:32:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.intellectualconservative.com/?p=6177#comment-78662</guid>
		<description>I am an insurance agent, and after 20 years in the business it still surprises me regarding what people think insurance should pay for. A lot of people seem to think that insurance should pay for anything that goes wrong. 

Hmm, kinda like what people expect from government.

We are all victims of a concerted, relentless disinformation campaign promulgated by the political left. I run into people all the time who have an entitlement mentality, and believe that they are being screwed, they are not getting their fair share, that the success of others is a bad thing.

All the evidence points to a deliberate, methodical effort to destroy this nation. I can&#039;t account for it any other way.</description>
		<content:encoded><![CDATA[<p>I am an insurance agent, and after 20 years in the business it still surprises me regarding what people think insurance should pay for. A lot of people seem to think that insurance should pay for anything that goes wrong. </p>
<p>Hmm, kinda like what people expect from government.</p>
<p>We are all victims of a concerted, relentless disinformation campaign promulgated by the political left. I run into people all the time who have an entitlement mentality, and believe that they are being screwed, they are not getting their fair share, that the success of others is a bad thing.</p>
<p>All the evidence points to a deliberate, methodical effort to destroy this nation. I can&#8217;t account for it any other way.</p>
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		<title>By: chltx</title>
		<link>http://www.intellectualconservative.com/2009/06/16/health-insurance-isn%e2%80%99t/comment-page-1/#comment-78651</link>
		<dc:creator>chltx</dc:creator>
		<pubDate>Wed, 17 Jun 2009 11:15:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.intellectualconservative.com/?p=6177#comment-78651</guid>
		<description>&quot;They want it to pay for the equivalent of oil changes and new tires&quot;

When I was trying to be an insurance agent, this is one of the messages I tried to convey to potential clients to show them how high-deductible insurance saved the average person a LOT of money. Because if you buy &quot;insurance&quot; for oil changes and tires, you don&#039;t just pay for them once, but at least three times.

That may have been one of the reasons I sucked so bad as an insurance agent. That bit of advice, by the way, was ignored by every client I ever presented it to, without exception. I had trouble understanding why, but the insurance companies certainly take advantage of that stupidity.</description>
		<content:encoded><![CDATA[<p>&#8220;They want it to pay for the equivalent of oil changes and new tires&#8221;</p>
<p>When I was trying to be an insurance agent, this is one of the messages I tried to convey to potential clients to show them how high-deductible insurance saved the average person a LOT of money. Because if you buy &#8220;insurance&#8221; for oil changes and tires, you don&#8217;t just pay for them once, but at least three times.</p>
<p>That may have been one of the reasons I sucked so bad as an insurance agent. That bit of advice, by the way, was ignored by every client I ever presented it to, without exception. I had trouble understanding why, but the insurance companies certainly take advantage of that stupidity.</p>
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