Off-Topic: I don't want them tinkering

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	Name:	GoneFishin -
	Subject:	I don't want them tinkering
	Date:	5/8/2009 10:35:36 PM

Martini, I agree with you that I too do not want the government rationing healthcare. But, private insurance has refused to step up to the plate and provide affordable coverage for the masses. This is their right as a private business to refuse to provide coverage for pre exisiting conditions. Many young and healthy will refuse to pay for coverage for they see no reason to have coverage.

Medicare provides coverage for the senior population with restrictions for enrollment. You have ONE opportunity to enroll and be covered for all pre exisiting conditions. If you wait, you will be underwitten. The government does not control which physician you visit. The program is much broader on physician and hospital selection than any HMO, PPO, or other private program.

Initially, private insurance companies offered medicare supplement programs which they designed. People were confused and many purchased bad policies from unscrupulous agents. Finally, the government stepped in an designed 10 plans. Each company can sell as many of the 10 variations and price them accordingly. Competition has kept the prices competitive. We have a situation of govenment medicare with gaps and private programs filling in the gaps. Private industry contracts with the government to administer the Medicare claims. It is a positive approach to handling an insurance program that for all its problems still provides great coverage for seniors.

A program that allows private insurance to offer plans of their design and sold door to door by former mortgage brokers will lead to many people getting sold down the river. Greed will bring out all the used car sales type to become insurance agents. Those who suggest that we as Americans should be able to choose our coverage have never sat and tried to decipher various insurance policies. As a business owner, I assume you trust your insurance agent who handles many of your coverages for professional advice. Sadly, the average person does not have the interest or understanding of insurance to make those decisions. You select a health plan with few options for your emplyees. Do you really believe that your employees could sit across from competing agents and make the proper decision as to which plan and company will really deliver their coverage when they need it?

There is a place for government and private industry to deliver a plan. The government is not going to ration medical benefits. However, treatment will be rationed because we do not have enough primary physicians to treat everyone. The problem will be that the system can not handle universal coverage. We are a country that has treated a limited number of people successfully. When you add all the uninsured, the system may well break down and you will say"see I told you so". Those who argue that let's not tinker are really saying screw those without coverage cause I don't want them to clog up the system.