Saturday, June 23, 2007

Government sponsored national health insurance a step up from private enterprise

The next time someone says, "If we have government health insurance, it will be like the DMV or the US Post Office," just say, "That would be an improvement in efficiency and coverage over private insurance companies."

Think about how often private insurance companies are sued for fraud, bad faith denial of claims. How often they give you the runaround on the phone. Or lose the paperwork, their obtuse paperwork I might add, when you've sent it in to them. Or when they say they'll cover something, and don't and you're back to multiple phone calls and more paperwork. And how the average administrative expenses for private insurance companies range from 15% to 25% (while Medicare and Medicaid, which cover high, at-risk populations, have between them less than 5% administrative costs). Oh, and remember, insurance companies get to choose, at least sometimes, who to insure.

Having had some pleasant experiences with the DMV in California in recent years, yes, really, and mostly great experiences with the US Post Office, which have lower administrative costs, we would be far better off as a nation to have national health insurance administrated by the government.


At July 1, 2007 at 10:07:00 AM PDT, Anonymous Anonymous said...

Gee, I'd hate to think what happens at 5:00 PM when the work bell goes off. If you want socialized medicine, move to Canada. God help you if you need a hip replacement there - you may wait for 3 years. Our family works very hard to pay for PPO coverage. It's worth every penny. We are not working our butts off to pay for the bums in this world who refuse to get off of their asses and work for their own benefits.

At July 2, 2007 at 7:33:00 PM PDT, Blogger Mitchell J. Freedman said...

I may only wait a few months in Canada, too. It depends. I pay through the nose for a PPO, too, and still get crappy service from the insurance company, which is not available after 5 p.m. either.

I am struck by your anger against those who are worse off than you as opposed to the rich bastards who run these insurance companies--and can't tell a stethascope from a telescope.

Oh, and if you want a liver transplant, you'll get it quicker in Canada. I think I'd rather wait for the hip replacement than have to wait too long for a liver transplant. And Canada spends about 50% per capita what we spend. Any other comments?


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