Monday, September 28, 2009

Health care woes

Protecting our families. This is what we all want out of health care. Someone gets sick, injured or worse, it's OK because we have insurance. Right? Not so fast.

The current way our health care system is set up, an insurance company has to get the claim before it decides whether or not to pay it. Got a kid who needs two well visits in a year so that you can discuss some growth issues with the pediatrician? Too bad, insurance only covers one. Flouride treatments for your teeth -- well, we only cover one per year according to our new policy that you can find online at this obscure web address. Then the companies seem so surprised that we're frustrated, that we're demanding improvements.

From their standpoint, things are pretty rosy. Aetna made over $1 billion in profit last year. Profit, not revenue. But you and I are paying ever-higher insurance premiums - doesn't that mean we should have coverage since we're paying into the system every month? - that cover less and less.

We need reform. Period. We pay more for health insurance and have more uninsured people than any other Western country. That's embarrassing, but worse, that will eventually bankrupt our country much more quickly than making some changes now.

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