Welcome to the Small Business Ideas Forum! We are a community of over 100,000 small business folks with over 163,000 posts for you to browse. We pride ourselves on being the friendliest forum you will find and we'd love to have you as a member of our community. Please take a moment and register for a free account. If you need any help, please contact Chris Logan.

Small Business Ideas Forum

Small Business Ideas Forum

A friendly place to share small business ideas and knowledge, ask questions, find help and encourage others that are involved in the small business industry. Topics include small business marketing, generating revenue and small business computing.

Go Back   Small Business Ideas Forum > Generating Revenue, Insurance, Taxes, Etc. > Insurance
Register Search Today's Posts Mark Forums Read

Thread Tools
Old 17th November 2008, 09:09 PM   #1

Join Date: Aug 2008
Location: Wherever the wheels stop. What a great way to live the golden years.
Posts: 6
Send a message via Skype™ to gypsy639
Lightbulb The Political Answer To Health Care

I just finished watching a debate of “political experts” as they discussed the qualities of the candidates for President of the US. An issue that was brought up many times was, “health care or the lack thereof” for millions of people in the country. The discussion reduced the candidates positions to the following solutions. It seems each candidate from both national parties has a different answer to the dilemma of adequate, affordable health care for the masses. One candidate is in favor of some type of socialized medicine; while the other is pushing tax breaks for premiums paid by the consumer. Other ideas being offered are subsidies to help with the cost of the premiums. The common thread running through every proffered solution is a reliance on some type of 3rd party payer.

Since 1942, the growth of 3rd party payers, commonly known as “health insurance providers” has grown to unimaginable proportions. Along with that growth has come some good things (risk sharing) and some not so good things (denial of benefits for pre-existing conditions, claim denial, managed care from afar) among a host of other issues.

Who among us has never had a bad experience with a 3rd party payer? Mine was the unnecessary death of a family member and over $60,000 of out of pocket cost. All that directly attributable to a 3rd party payer. I’m sure each of you has a story of a bad experience, if not worse.. If you care to share, your comments are welcome.

Do you know that every health care insurance company has a department whose sole purpose is to review every potential claim and look for a way to deny or at least reduce the benefit paid to the patient? The better job they do the higher the bonus they receive. This fact only recently became public knowledge during a senate hearing on health care. The senators expressed righteous indignation while chastising the insurance company executives, but extracted no promise to end the practice. What does that mean to you, who have faithfully paid ever-increasing premiums over the years when you encounter a catastrophic health expense? You can be sure your claim will be subjected to the same scrutiny, and if the tiniest reason to deny or reduce the benefit paid to you exists, your out of pocket costs take a dramatic increase. I’m living proof.

As I ponder these issues, I had to wonder what did our parents and grandparents do when they needed medical care? One just has to study healthcare, before 1942, for the answer. This message is not intended to advocate a return to primitive healthcare, only to look at the enormous problem of current healthcare from a different point of view.

When I next post, I will offer my perspective on a solution. One, that in this writer’s humble opinion, is far less expensive and more efficient.

gypsy639 is offline   Reply With Quote
Register or log in to remove this ad.
Old 22nd November 2008, 02:48 AM   #2

Join Date: Nov 2008
Posts: 3

Very good site offering good services with many advantages

dhanarajesh1 is offline   Reply With Quote


Similar Threads
Thread Thread Starter Forum Replies Last Post
Health Insurance For a Small Business smilenlove Insurance 8 29th January 2013 01:46 PM
Health Insurance for Corporations. How it works? Gr8Deziner Insurance 8 13th September 2012 06:33 PM
Health Insurance Deduction Question ubspromo Small Business Finance 1 6th October 2007 09:32 AM
Just Ask & Answer jessica9813 Chat 17 31st January 2007 06:43 AM

Thread Tools

Get Updates
RSS Feeds:
RSS Feed for Insurance RSS for this Category Only: Insurance

RSS Feed for Small Business Ideas Forum RSS for Entire Forum
Forum Rules

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump

Small Business Ideas Forum

At Your Business - Small Business Directory
Free Business Forms - Prewritten Documents
Search Engine Guide
Small business guide to search marketing

Small Business Brief
Fetching the Best Small Business Info

Free Links - Free Advertising
Free Guide - Online Directory

Advertise your business here
Contact us for more details!

Semantic Juice
Register now to access free Quick SEO service!

Rocket Lawyer
Sign up for free 7 day trial. Boost your biz!

Buy UPC Codes
Get your products listed online!

All times are GMT -5. The time now is 12:50 AM.

Powered by vBulletin® Version 3.7.3
Copyright ©2000 - 2020, Jelsoft Enterprises Ltd.
Copyright 2004 - 2018 - Privacy