Posted by Jen on June 14, 2007 at 21:37:27:
I certainly agree with you on the cost of medical care in this country. It simply is outrageous. A person without medical insurance can be quickly overwhelmed be a rather “small” health problem. Being without health insurance is a risk I am just not willing to run. I pay nearly 1000.00 a month to provide health insurance for my family, insure my home and autos. No one is forcing me to pay for health insurance or for insurance on my autos other than state mandated liability because my autos are paid for. I do this because I want to protect not only my current assets but my future assets. I am not rich so that 1000.00 a month is a good chunk for me. I pay this to protect my family and be a responsible adult. If I chose to go uninsured I could drive better cars, take vacations, and work less. But I put my priorities in order.
Yes, insurance is high. Most medium to large employers still offer health insurance at only a fraction of what I pay for I am sure a much lower deductable. If you can’t afford private,get a job with insurance. How many people currently have jobs that they hate, but are working to have insurance?
Suppose you cannot work due to disability issues? Uncle Sam picks up the tab! If your income is just too low there is some type of state or fed program that will help you out. I commented to a social worker recently about some changes in our state welfare insurance. Many people were screaming about being kicked out of the program that claimed that they really needed it because of prexisting serious conditions. I said that it really is a shame that these people are being denied the care that they need. This social worker, that handles these very issues, said, “These people will be provided for if they just ask about it the right way. No one has to go without medical care”.
As far as medical collections go, I have insight there. I also have received large bills that were not covered by my insurance. (I carry a 5000.00 deductable) When I explained to the doctors and hospital that I could not pay it all at once they were glad to set up a repayment plan pretty much on my terms. People get turned over to collections when they ignore their bills or fail to follow the repayment plans. I know there are exceptions and I am sure there will be many that will chime in with them.
I know that I may be coming off to many as negative and aloof to others suffering, but I am merely exposing the truth. In my own life I have certainly have made many mistakes, and looking back I can see where many problems I have encountered in my life were a result of actions I took or failed to take. Most people are where they are in life because they put themselves there or failed to take steps to get out of their situation. I am just as flawed as the next guy, even probably more, but more people need to take personal responsibility for themselves. If we really want to help our customers perhaps we should give each of them a copy of TAKING THE MYSTERY OUT OF MONEY!