Yes, I most certainly do think that private enterprise is more efficient than government, and what it undertakes is generally better funded and the end result is usually much higher quality. This is not to say that there’s never a need or justification for government, however. Public utilities would be a good example, wherein services are provided for people on a wide-ranging scale that would be unprofitable for private enterprise to undertake.
But again, if insurance companies are operating in an unscrupulous way, why not make adjustments to the way insurance agencies operate? Other businesses are not allowed to renege on their agreements. Why should insurance companies be otherwise?
Generally I’ve found that most complaints about insurance companies come from people who feel they should have been covered but weren’t, and then because they weren’t they feel they’ve been “ripped off” by insurance company scavengers looking for loopholes. The fact of the matter is that you get what you pay for, and insurance companies are doing nothing wrong by investigating whether your coverage is what you think it is, or whether you’ve done something over the course of your life to negate (by previous agreement, no less) the coverage you once had.
Every company examines its books and makes sure it isn’t paying out for things it didn’t agree to pay for, and every company checks to make sure that the people they are doing business with are abiding by the terms of their agreement. It’s no different with an insurance company. You pay for certain coverage, subject to certain limitations and exclusions. If you need care that doesn’t fall within those limitations, or you’ve done something which results in an exclusion, the insurance company is only doing what’s right by its shareholders and itself by denying coverage. And yet people right and left scream that their insurance company screwed them by not covering some ailment, or by excluding coverage of that ailment for cause, when the insurance company was never on the hook for it under those conditions in the first place.
If you go to an automobile dealership and sign an agreement for a new car and then once you have it you discover it didn’t have the sound system you thought it should have, would you accuse the dealership of screwing you over when they go over your contract and point out that you never requested or paid for that sound system in the first place?
Of course not, and it’s the same with health insurance. Again, most dissatisfaction with health coverage – apart from having to pay for it in the first place – lies in the fact that people think they “ought” to be covered for things that they are in fact not covered for.
With regard to your insurance company’s stance on hearing aids I have no idea, other than that they may have found that it’s less expensive over the course of a patient’s life to provide implant coverage than to be constantly replacing or repairing HA’s.
And now take a look at your last line. “They are sick of ‘staying poor’ so they can qualify for Medicaid”. What does this tell you about government coverage? The government doesn’t care if you need a HA, all it cares about is that you don’t meet the standards they’ve set – in this case, income – before they will provide them, and the system is set up (just like much of welfare is) to keep people down in order to get what is always minimal government largess. And yet your answer to that is to want more of the same.
(Having said that, I truly am sorry about your deafness and I do hope that you will be able, one way or another, to get the assistance with your hearing that you need.)