I Might Back a National Health Insurance Program if....
By ParaTed2k
@ParaTed2k (22940)
Sheboygan, Wisconsin
July 17, 2009 3:03pm CST
~Every city, county, state or federal government employee (including all appointed or elected officials, but excluding uniformed military members) were required to be on it.
~People employed by unions (including union leaders) would be required to be on it.
~It is completely voluntary for all employees of private companies.
~individuals with access to commercial insurance would not be eligible.
~People who don't want medical insurance wouldn't be required to have it.
~It covers all established alternative health systems.
~Judges can't force any health system on anyone.
6 responses
@cotton0821 (259)
• United States
18 Jul 09
Part of the problem with the current health care system is the people who choose not to have health insurance but expect to be given health care when they need it. No one can be turned away from a hospital emergency room. If no one is required to have health insurance, why would any one pay for it? Just walk into an emergency room and demand care and let the people who have insurance pay for their care and for the other person's care. Unless you are willing to deny health care to those people without insurance, then there must be some form of universal coverage-both voluntary and involuntary.
2 people like this
@ParaTed2k (22940)
• Sheboygan, Wisconsin
18 Jul 09
Actually any clinic or ER that accepts Medicare/Medicaid is required to see patients regardless of their ability to pay.
Ask yourself this question... medical insurance isn't required now, yet the vast majority of people who can buy it, do.
I'll ask you another question. What does Obamacare say about people who choose not to buy medical insurance. So far he has said it won't be mandatory.
1 person likes this
@owlwings (43910)
• Cambridge, England
18 Jul 09
I am not sure what you are limiting or restricting here.
The way that it works in the UK (and a number of other countries) is that everyone who works or is on unemployment benefit (currently called 'Jobseeker's Allowance') is required to contribute to the National Health Insurance scheme. Anyone who employs them is also required to contribute on that person's behalf so that contributions are made on the basis of a person's earnings, with the employer - whether they be private, corporate, public, service or whatever - making the larger contribution.
In the UK, at least, these contributions go to fund the National Health Service and also (primarily from the point of view of the individual) the State/National Pension and Unemployment Benefit. Everyone who is a UK national and many people, including visitors, are, as a result, entitled to a basic level of health care. We have a reciprocal agreement with other members of the EU so that basic health care is available to UK nationals in other EU countries.
If you are not satisfied with the NHS or require treatment that is not covered by it, you are, of course, at liberty to pay for things that the NHS can't provide. You may either do this by paying cash or by taking out insurance to cover 'going private'. My understanding is that health care in the UK (and Europe) is rather variable and that some areas are less well provided than others. This would certainly be the case in the US, since health care would inevitably vary from state to state and, since some areas of some states are less populated than others, would almost certainly mean some hardship under a national health care scheme.
As I understand your present system (which may vary from state to state), emergency services are particularly poor and dependent on an individual's possesion of insurance (or lack of it). Our NHS would, typically, treat first and ask questions later. I believe that this is certainly not the case everywhere in the US.
In the UK it is possible to opt out of some National Insurance payments if your employer is providing a private retirement scheme. Some deductions are still required, however, ostensibly to fund medical treatment under the NHS. Many corporate employers also provide medical insurance as a benefit, though only for the duration of the employment.
The system prevailing in the US (and in many other countries) is so different from ours that I can understand that there would be a lot of confusion and misunderstanding about the way it should work and how it impacts individuals and employers. You may think of it as a socialist/Marxist system but it has survived (with approval) under both socialist and conservative regimes and it is noticeable, perhaps, that it is under the latest Labour/Socialist governments that any 'privatisation' has been discussed and implemented. Our governments, since 1947, have all been in favour of the principle of 'free' health care for all.
I don't know the history of other countries, such as Canada, but I think you will find that, in all countries that have dared to implement it, it has been a not unqualified success ... certainly enough so that nobody would dare return to the kind of system that you currently have in the USA.
1 person likes this
@ParaTed2k (22940)
• Sheboygan, Wisconsin
20 Jul 09
Owlings, basically what I'm saying here is, those who are pushing the hardest to force this on us should at least be required to use it themselves.
@jwfarrimond (4473)
•
18 Jul 09
An excellent summary of the subject Owlwings. As already pointed out, the for profit system in the US means that if some one does not have insurance and cannot afford to pay, then they are simpley denied treatment. A little while ago this topic came up in conversation between myself and an American friend, and when I asked what would happen to the person in that case, they just said that they "would probably die"! And this in the richest and most powerful nation in the world.
@LovesTravel (303)
• United States
18 Jul 09
Nice posting, owlwings. As a person who has experienced just of touch of healthcare in the UK, I have only high praise for the NHS. I am fully aware that the system is not perfect. In my opinion, however, it is far and away better than ours. In particular, it is more humane--and this is true on severel levels, starting with "treat first and ask questions later." Here, of course, we have to prove that we are covered by insurance and therefore entitled to the care dispensed.
Some of our politicians make a great deal of chatter over the idea "socialized medicine." It's a red herring in the classis sense. We have long had public healthcare for the elderly, for qualifying low-income children, and for military/government retirees and disabled veterans. At a time when I paid $650 per month to cover private healthcare for me and my spouse, acquaintances who were retired from the miliarty were compaining about $60 quarterly payments. There same people also complained about the spectre of socialized medicine facing the rest of the nation--oblivious to the fact that they happily accepted what they wanted to deny the rest of the country.
Whether opponents admit it or not, the health programs run by government in the US is much more efficient that those run via insurance options--because the bureaucracy surrounding public health is much smaller and more streamlined than the hodgepodge sturcture erected by for-profit agencies and operations. And that efficiency translates into better overall treatment for those who qualify. For the rest of us, we still have to depend on referalls and screeners to approve our healthcare coverage.
The biggest indictment of our healthcare system is that people are denied treated, people are turned away--and the reason can almost always be traced to profit. It is an extremely inhumane process. Indeed, it should be a crime.
@spalladino (17891)
• United States
17 Jul 09
I asked you a question about unions and private insurers in your other discussion but I guess you haven't gotten to it yet. How would it be possible to make invalid, valid contracts that unions currently have which include a benefits package? Wouldn't invalidating a union contract leave the door wide open for forced renegotiations with the company in other areas?
Another question for you. If the people who don't want medical insurance don't have to get it, who pays for their medical bills when they end up in the ER or rack up high medical bills for other reasons? Aren't we right back to where we started in that area?
@spalladino (17891)
• United States
17 Jul 09
Cool! I never win anything!
I sure wish I'd get some answers to my questions though so they can stop swirling around in my head....
1 person likes this
@ParaTed2k (22940)
• Sheboygan, Wisconsin
18 Jul 09
There are basically three groups of people who are otherwise eligible, but choose not to buy medical insurance. Those who can afford to pay their own bills (self insured); single 20-30 somethings who rarely get sick or injured and don't see any reason to get it; and there are people who don't get it for religious reasons.
But my point about the employees of private companies was more about a choice between the government system and private insurance.
@thegreatdebater (7316)
• United States
18 Jul 09
Ted, please explain to me why it is that you want people to have the right to "choose" not to have health insurance. But, everyone that drives a vehicle in this country is forced to have auto insurance. The reason that Obama wants everyone to have health insurance is because he was told by the experts that the uninsured are costing the system billions a year. If everyone had insurance than it would make the jobs of doctors much easier, and would lead to more health Americans, which would actually save the country money.
I do agree that we need to change the health care system for all elected officals, they have the best health care in the world, at our expense.
1 person likes this
@ParaTed2k (22940)
• Sheboygan, Wisconsin
18 Jul 09
Not every state requires car insurance, but you are right, many do.
I included the part about the employees of privately owned companies so they could have an option to choose between the government plan or private insurance.
Right! If government officials were required to be on the plan they create for the rest of us, they would ensure it's a great plan.
2 people like this
@katran (585)
• United States
18 Jul 09
I'm sorry, but this sounds a little hypocritical to me. You want groups of people that you dislike and distrust to be FORCED to do something but you want everyone else to have the choice? Come on. Can we at least PRETEND to act like mature human beings here?
Honestly, I think you do not have a very thorough understanding of the proposed medical reforms based on this post. The insurance companies right not are eating people alive. What makes you think that having your health decisions controlled by insurance companies - greedy men sitting in an office somewhere - is better than whatever reforms the government could bring?
@owlwings (43910)
• Cambridge, England
18 Jul 09
What you say, Anniepa, should, in theory, be true (and is in any country that has a National Health Service). What one forgets (or chooses to ignore) when making that statement, however, is that members of Congress (and members of most governments) are far better paid than people who are at subsistence level. You can bet your boots that most Congress members DO consider private medical insurance to be part of their expenses because if they were off work for medical reasons longer than were absolutely necessary, they could not properly represent their constituents.
@ParaTed2k (22940)
• Sheboygan, Wisconsin
18 Jul 09
It's not about who I like or dislike.
I would require government employees to be on the plan because, if it's good enough for the rest of us, why shouldn't they be on it. Taxpayer money shouldn't be going to pay premiums in a private plan when there is a government plan.
I would require elected officials to be on it to ensure a better quality plan. Right now, most elected officials have much better medical coverage than the rest of us. There is no way they should be able to keep cadilac care while mandating something less for the rest of us.
I don't think the government system would be any less corrupt than the private insurance system. In fact, I think that we're doing nothing at all for the problem... just trading one corrupt system for another.
@anniepa (27955)
• United States
18 Jul 09
"Right now, most elected officials have much better medical coverage than the rest of us. There is no way they should be able to keep cadilac care while mandating something less for the rest of us."
Wasn't that one thing Obama had said consistently during the campaign, that he believed every American should have the option of having the same health plan that members of Congress have? The truth is, all federal employees, including members of Congress, have the same health plans to choose from. That's from the most senior U.S. Senator to the lowliest letter carrier. There are many plans to choose from depending on where you live. It may be that members of Congress don't have to pay as high a share of the premium as say a postal worker does but I don't think so, I think the FEHBP is the same for everyone. The premiums are lower than what they would be for someone buying the plan as an individual as all group plans are and since it's a rather large group the savings are better.
Annie
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