Health Care

Never really had a problem. I have an HMO. I've been going to the same doctor for 15 years. The thing I question is why I have to always get my doctor's approval to see a specialist in the same system. This not only incurs more expense to the HMO but also to my wallet. I have a co-pay.

   I don't have any problems with my insurance company.  Why?  Because I was in a car wreck about 10 years ago, they cancelled my insurance when my claims became "excessive", and I haven't had insurance since.  The back trouble caused by the wreck is a "preexisting condition", despite the fact that it hasn't cost a dime in over 8 years, since there is nothing more they can do about it.  That means that my insurance premium for one person who clears $3500 a month would be about $850.00. 

    If you don't want Obama's plan to go through, consider the fact that you are just one car wreck away from the same situation, and that could happen the next time you get in the car.

You don't want to hear about people who are happy with their health care?  Slanted journalism again!  I am with Kaiser Permanente and have had nothing but excellent results and care.  Even if you don't want to hear about it!

As an attorney who frequently represents people with medical insurance who have been denied coverage by their insurance companyinsured, I have major complaints against Aetna, and Vista. When someone denies coverage and they are lucky enough to have a preapid legal insurance program such as the one offered by ARAG, their legal insurance plans often allow me to challenge the intitial ruling by the Health Insurance Company denying coverage. In most case, we are successful in getting coverage restored for seemingly routine procedures. The most outrageous part is that I have gained experience in knowing what coverages will be grante dbase don prior hearings over the same issue, but the Health iinsurance Company wants me to ge tmy client's to jump through the same hoops hoping that some will get so frustrated with the process that they will quit and foregoe coverage to benefits to which they ar entitled. The system is broken because I can only help thtose with insurance get what they truly deserve while people without access to attorneys, take the Insurance companies at their word and fail to appeal. This what I call taking advantage of the poor. The same holds true for Allstate and Statefarm who claim that your in good hands while your paying premiums but often routinely reject claims inititally before settling themn in good faith once attorneys are hired.  Medical Insurers routinely act in bad faith hiring doctors to give expert testimony that routine procedures are experimental or otherwise not warranted. This was true about mamagrams and other preventative care until attorneys filed suit to make siginificant changes in the industry. Unfoirtunately for every case we win, we can't help the people who don't seek us out and are denied coverage through ignorance or who simply can't afford attorneys to fight for them.

Have any of you ever been in other countries and seen what kind of health care they get? Even if our premiums go up or if you think we pay more than we should, we get the medical attention we need. As much as you complaint about it, It CAN"T be free.
Imagine if you are dying somewhere other than in the US and don't have insurance, you need to go to hospitals for students, because every other hospital will deny you admission if you don't show you have the means to pay the bill, and be placed on the hallways (not even on a bed) because there is no one to take care of you... now these people can complaint... but for us in the US, we get what we need.. So STOP complaining! for now, because Obama is hopping to bring that crappy health care here.  PEOPLE! Travel, inform yourselves, get out of the little hole you live in, and maybe you'll see that things are not so bad after all.
 

This is done to prevent specialist from being overrun with people who don't need to be there!  The general practitioner can answer most the questions and give treatment- leaving the specialist available to handle only those cases they really NEED to see.

My daughter-in-law was DECLINED group coverage at her NEW employer, because she had a healthy, large baby by caesarian delivery on her previous employer's group policy.  Seems a pregnancy by caesarian is considered a "PRE-EXISTING" condition and subject to REPEAT occurence by young (under 30) females.

Blue Cross raised their rates ,in California, for most plans by 30% as of March 1st '09 and reduced coverage. Are we to beleive that from March 08 to March '09 real health care cost have risen by that amount? At the very least Blue Cross needs to go back to being a nonprofit organization as it was 30 years ago.