We’ve had a lot of medical insurance programs put in place over the years around our United States.
I remember when the non-profit medical care system was being dismantled by the feds back in the eighties, and “they” offered us HMOs. Remember? The “H” stood for “Health” and the “M” for “Maintenance”?
These organizations offered low premiums under the guise they’d work with us to keep us out of the emergency rooms and hospitals. The sales line was about prevention and how much less expensive that could be … until they had millions signed up.
And in the end HMO became just another acronym in the insurance business belt.
The newest medical care scam comes to us under the paradigm of mandated health insurance. Both Clinton and Obama have some variation of this. States are diving into this mandated medical insurance cesspool under the guise of experimentation.
The idea is to force all of us into purchasing insurance of one sort or another from private companies who’s primary objective is to show profit. As a matter of fact it’s a legal fiduciary responsibility of these investment corporations that they put the welfare of those who earn money off them ahead of those they insure!
Here’s a great example:
Health insurance companies are rapidly adopting a new pricing system for very expensive drugs, asking patients to pay hundreds and even thousands of dollars for prescriptions for medications that may save their lives or slow the progress of serious diseases.
With the new pricing system, insurers abandoned the traditional arrangement that has patients pay a fixed amount, like $10, $20 or $30 for a prescription, no matter what the drug’s actual cost. Instead, they are charging patients a percentage of the cost of certain high-priced drugs, usually 20 to 33 percent, which can amount to thousands of dollars a month.
. . .
Insurers say the new system keeps everyone’s premiums down at a time when some of the most innovative and promising new treatments for conditions like cancer and rheumatoid arthritis and multiple sclerosis can cost $100,000 and more a year.
(Co-Payments Soar for Drugs With High Prices, NY Times, 04/14/08)
Once upon a time insurance was about shared risk, but apparently now they’re about keeping costs down … for some. And of course they’re very much about profit (see here and here for examples).
What do all the above have in common? It’s all about insurance, and deliberately ignores ENsurance (yeah – made that word up – but it ought to make it into the mainstream lexicon).
As Europe and Canada have proven time and again: when dealing something as universal as the need the for medical care, the best insurance is a nationwide and paid for on a national level (yes … taxes).
That is the only insurance that can provide ensurance that we will all have access to appropriate medical care in times of injury and illness.
Insurance programs, even those as we have in here in Vermont, will never do it.
