THIS IS MY BLOG! It will contain whatever *I* want to say. Remember, you are a GUEST. If you have some mental problem with my topics, words or personality, I suggest you click off my site and find something better to do on the Web.
Play nicely, or I will advertise your logged IP here for spammers to catch, along with banning it.
Gimmicks
Saturday, October 16, 2004
The high cost of health care Health insurance is skyrocketing and many people don't seem to understand why. Benefits are decreasing and expenses are increasing.
Well, here is my opinion:
1. People are not taking care of themselves properly. So many are obese, smoking, etc. that they are GIVING themselves diseases, like diabetes, high blood pressure and cancer.
2. So many people over-use their policy, thinking it isn't a big deal. Two dental visits a year, 24 chiropractor visits allowed, unlimited DR. visits with just a $15 copay. Yet, these same people won't take similar advantage of their auto insurance. Why? Because they SEE their premiums going up because they foot that bill!
3. Many people do not question when their doctor says they need to come back for regular work-up, flu shots, etc. They also do not question or pay attention to charges to their insurance company.
I once read something about "85% of health care costs are brought on by less than 15% of those covered." I completely believe it because I see it every single month with my family!
My stepson has AT LEAST two doctor appts each week. His mother LOVES to use health care coverage and usually max's out most of his allowances each year. In fact, there are some areas that are "FAMILY allowances," which my stepson, alone, has max'd out!
For example: he has his weekly allergy shot (which won't ever cure him) and his weekly chiropractor visit. Then, he also has:
-- 1 visit to the dentist every 3 months (cleaning and fillings),
-- 1 visit to the podiatrist every month for his ingrown toenails,
-- 1 visit to the GP for an exam every 6 months,
-- 1 visit to the orthodontist (until next June or so) every 2 weeks,
-- 1 visit to the dermatologist every month,
-- 1 visit to the ophthalmologist specialist/surgeon at U of M each year, plus new frames and lenses, even when there is NOT a change in script. (She doesn't believe in DOC or Lenscrafters, so she goes to ANOTHER opthomologist to get the frames and lenses, which average $400 per pair.)
This also doesn't include his average of 4 visits per year to the ER for ailments ranging from tummyaches to stitches and the ensuing DR. appts for followup, nor does it include his prescriptions.
Yet, to further prove my point, his mother got into an accident recently and tried her damndest to NOT have an auto insurance claim on her SUV. And now that she DOES have one, she is all pissy about how it's not fair, and they are going to raise her rates, yada yada.
Right now, I am having a snitfit over my stepson's last visit to the ER and the 5 followup DR visits because OUR insurance has been billed for it. No biggie, right? Except it happened when my 14-year-old stepson went to work on a "side job" with his stepfather and injured himself WHILE WORKING. Thing is, my stepson was NOT supposed to be doing a single thing, he is not LICENSED for that kind of work. I think his stepfather's business health insurance should foot the whole bill.
Oh wait, he doesn't HAVE that type of insurance. It was a "SIDE JOB" for a biz that doesn't exist. And why doesn't he have health insurance for his side work? IT COSTS TOO MUCH! Sunshine - Walking on Sunshine -
10/16/2004 10:54:00 PM
