Got Health Care Insurance?

Right now, we have no system.
We have 52 million Americans without health care coverage.
We have For Profit Insurance companies tending to their profit margins.
The way they profit is by taking your money, and limiting what they will cover.
You can be excluded from coverage because of a medical condition (i.e. the people who need medical care the most are denied access).
In most cases, not having access to basic care results in more acute care/trauma at a much higher cost.
At any point your health care coverage can go away- with a job loss, or even if you have a major catastrophic disease or condition that "maxes out" the limits of coverage.

60% of bankruptcies are Medical Bankruptcies-- CNN:
Most of those who filed for bankruptcy were middle-class, well-educated homeowners, according to a report that will be published in the August issue of The American Journal of Medicine.
"Unless you're a Warren Buffett or Bill Gates, you're one illness away from financial ruin in this country," says lead author Steffie Woolhandler, M.D., of the Harvard Medical School, in Cambridge, Mass. "If an illness is long enough and expensive enough, private insurance offers very little protection against medical bankruptcy, and that's the major finding in our study."

Three-quarters of people with a medically-related bankruptcy had health insurance


I'm quoting Blogger Nonnie on this easy to understand public option explanation:

It's really not that difficult to explain to people why a public option is a good thing:

1. if you lose your job, you will still be covered.

2. if you have no insurance now, you will be covered.

3. if you have a preexisting condition, you will be covered.

4. you will not have to declare bankruptcy and lose everything you have, if you get sick.

5. if you have insurance that you like, you can keep it.

We are being screwed by profiteer insurance companies.
So many people have no coverage-- but even the people who do have coverage, the so-called lucky ones, as Michael Moore called them in his movie SICKO, the coverage is iffy and spotty. Who amongst us has not seen work Health Care Insurance be a roller coaster of exceptions, exclusions, addendums, and a whole lot of fine print gobbeldygook, that basically boils down to a long list of what they will NOT cover.
This lengthy list of exclusions is often coupled with higher premium costs, co pays, and out-of-pocket costs.

You pay more for the coverage.
You pay higher co pays
and then you get an additional percentage of the original bill, the insurance did not cover.

It's like the insurance company says- let's split the bill 50/50.

That's coverage?

The irony and absolute tragedy is, for 52 million Americans- that would be an UPGRADE.

I cringe to hear the calamity of contrived uproar from the wingnuts.
Conjuring up visions of death panels.... deciding who could live under an *evil* socialized health care plan.

Guess what? We have death panels by default now- people are literally dying for lack of health care coverage.

All that clamor is choreographed by those who stand to lose big profits by the people uniting together & demanding better coverage.

Bottom line: Amidst all the noise & confusion-- Do you hear the GOP offering any serious alternative plan???