"Uniquely American" healthcare.
Because I have had interest in the healthcare debate, I thought I would tune in to President Obama's healthcare town hall in Montana. In this debate he told us that he was seeking a solution to expensive healthcare that was "uniquely American".
By which I guess he means we should overpay, until we are rescinded when we need care because that is "uniquely American". Rescinded doesn't happen in Socialized Canada, or free market Rwanda.
Because the healthcare that exists in America today, is, if nothing else, "uniquely American".
In Canada, they say there are lists where you wait your turn for treatment. But there are lines in America too. Our lines are where you wait, when you cannot get treatment. Like in Zimbabawe.
In Canada you can pay a tax and get healthcare when you need it. In America you can pay an insurer and get rescinded when you need healthcare.
Health Insurers claim they need to rescind people who cheated when they filled out their insurance application. Cheating, like forgetting to tell them you got a prescription acne medicine 15 years ago. Or cheating like when your insurance agent puts down the wrong information, like a salesman mioght do to sell you a mortgage.
Of course if I was an insurer, I would want people who cheated. I would collect their money, and collect their money, and collect their money. I would even a pay a few inexpensive claims. But if a big claim comes up, then I'll check their application for mistakes. And if I find any, I'll rescind them and not give them a dime for healthcare.
I'm talking to you, Zitz-boy.
Don Hamm, Assuarant CEO recently testified to Congress on healthcare.
"Rescission is rare. It affects less than one-half of one percent of people we cover. Yet, it is one of many protections supporting the affordability and viability of individual health insurance in the United States under our current system."
Rescission never happens if you do not file a claim. It is very rare if you file a small claim. The question is, how big a claim do you have to file in order to have your policy checked for mistakes?
If, as I suspect, rescission is targeted toward the truly bankrupting cases – the top 1%, the folks with over $35,000 of annual claims who could never be profitable for the carrier – then the probability of having your policy torn up given a massively expensive condition is pushing 50%. One in two. You have three times better odds playing Russian Roulette.
So how does Don Hamm's "one half of one percent" become 50%?
Read the link.
"Uniquely American" is playing "Lets Make A Deal" with your health insurance.
And remember, there is no rescission in Single Payer. Of course, paying less and getting more is not uniquely American. Many Countries succeed at it.
Single Payer HR676 pays for uninsured Americans by eliminating Insurance company overhead. It replaces your insurance payment with a tax. It is a system that costs half as much in every other Country that uses any version of it.
The number to the Congressional Switchboard is 202-224-3121
The middle ground negotiation between Single Payer and business as usual was competition from a "puplic option". Now the middle ground between a "public option" and business as usual is health co-ops. Health co-ops require an infusion of money to be solvent enough to be able to pay insurance claims. That money will come from yout tax dollar.
You go, Republicans, keep up the negotiating.