Who is really pleased with their current health insurance?

There’s a lot to say and I’m not a great writer but here’s what I can say now:

The system I was born into and rely on was bequeathed to me by my grandparents - the generation that fought Nazi Germany and Imperial Japan. Indeed, like millions of others my grandfather returned after 4 ½ years away in time to vote in the 1946 election, an election in which those millions of military personal and their families ousted Winston Churchill as Prime Minister. They voted instead for the party offering what became known as the NHS, crazy socialists that they apparently are. As an aside, it’s curious from afar to hear the US debate cloaked in political ideology as nothing could have been further from the minds of the patriots and hero’s who created the system in my country.

I use the term ‘bequeathed’ advisably. Like all towns and villages we have a monument to the people who died in both world wars, row upon row of names of local people. To get to that monument you need to go past the UHC hospital, my grandparents would agree with me the true monument to that generation is UHC not the slabs of stone and marble people salute once a year.

I put it in that context because I wanted to identify that UHC isn’t about you, the individual, in this job, at this stage of your own career. It’s not even about your immediate family, nor about the extended family you may care for.

UHC is about the generations, about a family timeline you know nothing about but hope for. By that I don’t just mean your family won’t enjoy good health through the generations – and I hope it does, it also means generations of your family who will not enjoy sufficient wealth in order to provide healthcare for their family. Fwiw, I can’t even imagine the degree of angst, emasculation and hurt that must bring.

That might seem an abstract point, but think back 2 generations of your family – to my grandparents generation that voted for UHC, was your family middle class then? Will it be 40 years from now because you might be pretty surprised at how wealth grows and eases through the generations. That’s why I use the term bequeathed.

Finally, there are perhaps 20 countries practicing different versions of UHC in the developed world, some for as long as 100 years others far shorter. I don’t think it would be unreasonable to state there have been perhaps 200 elections in those countries since UHC was adopted and not one electorate has voted to change the basis principle. All of those populations had grandparents like mine who suffered through wars and economic downturns and depressions.

There are other - maybe stronger - arguments but I just wanted to respond with something. It really is not about you the individual, it is about what you bequeath to the unborn generations of your family. Believe me because I know, they will thank you and they always vote to protect what you gave them.

p.s. To paraphrase, if you don’t like my arguments, I have others!

To the first question: not really, no. I am told that I have “good” insurance - covered by my employer, which is great. However, I have no idea what’s covered, what isn’t covered, how much things cost, nor how much I’m going to have to pay. I really don’t like the uncertainty. I don’t like calling the insurance company with my name, my policy number, my group number in hand and saying. “I have symptoms A, B, and C. I want to see Doctor Jones about my symptoms at 123 Main Street on September 21 at 9am. The doctor is on your website, but your website says that it may be out of date, so don’t rely on it for coverage information. Is my visit covered?” and not being given an answer. My current insurance (and all of my previous insurances) flat out refuse to say “yes. we cover that.” or “no, you’re on your own for that.” I end up knowing my visit was or wasn’t covered when I get the insurance settlement a month later and the bill another month or so after that.

Of course I don’t make economic decisions about my healthcare, I’m not unconcerned about costs, I’m completely denied any information about costs. When I buy anything else, I’m given a price(and asked to pay for it approximately when services or goods are rendered) - but not medical care, it isn’t given when I ask about it directly, much less is it offered freely.

I might be getting excellent value for my money (given a bill I was just tendered from April, I’m not so sure…and I’m waiting on one from January) but damned if I know.

To the second: No, I’m not fine with that. And I highly doubt that this is the best possible system, but I have merely unformed ideas about fixing the problem.

I take it you guys have been stupefied by the profundity of the views expressed in #101?

Health Insurance Underwriting procedures – Data Mining to Cherry Pick and some are listed on the Web - Medical Quack one

The reason why the vast majority of Americans are pleased with their current health insurance plan is because most of us never really had to REALLY use it. Meaning, in the treatment of an awful, VERY expansive, chronic/long term condition (the last being the most crucial). As our population ages and the incidents of age related diseases increase I fear our dissatisfaction with our for profit private insurers “friends” will increase…