🚀 go-pugleaf

In article <1994Sep22.074529.8818@hounix.org> curtisr@hounix.org (Curtis Rendon) writes:
>Woefully inadequate means:
>
>no coverage of pre-existing conditions

This is as insurance should be.  If it is a pre-existing condition, it
isn't a potential risk -- it is a very real and EXISTING risk.

>$1000. family deductibles, $600 individual deductibles, 80% coverage afterwards.
>
>spotty if at all coverage of prescriptions.
>spotty if at all coverage of opthamalogy.
>spotty if at all coverage of dental.
>no coverage if no employment

This sounds like an excellent health plan.  I'd like to have health
insurance like this again.  My current insurance bill is something like
$400 per month and I have $750 family deductible, $400 person deductible,
80% coverage to $2,000, PCS card, no eye exam, no dental, no coverage
if unemployed.  Total annual cost is $4,800 -- and now that my son is
beyond the "trip to the pediatrician once a month" age, it isn't exactly
worth it.

>Long term diablities/illnesses totally different insurance plans.

As they should be.  Disablility coverage varies based on income level.
Health insurance is a function of being sick.  It would be difficult
to mix the two since higher compensated individuals frequently need
more in disability coverage (they have a higer standard of living to
pay for ...) than do lower compensated persons.

>If everyone had 3% payment into coverage that didn't require you to go
>into bankruptcy to cover out of pockets (and PPO's and Health
>maintenance decrease cost by encouraging preventitive care) then
>National Health Insurance wouldn't be necessary.

I don't know what you think is going to provide this coverage at that
price, but it certainly isn't Clinton's socialized medicine plan.  The
best you are going to do is what I used to carry on myself -- $1,000
deductible, no prescription coverage, no eye care, no dental, 20% co-pay
to $10,000.  It cost a whopping ~$30 per month, and I could even keep
it if I lost my job.  Annual cost -- $360 bucks, or "almost free" compared
to the current plan.

Thanks, but no thanks -- I'll take a nice simple plan that doesn't
charge me for service I don't want, don't need, or would rather plan for
(and pay for) myself.  With the money I'd save, I might even be able to
pay for some of those medical bills when they come ...
-- 
John F. Haugh II  [ NRA-ILA ] [ Kill Barney ] !'s: ...!cs.utexas.edu!rpp386!jfh
Ma Bell: (512) 251-2151 [GOP][DoF #17][PADI][ENTJ]   @'s: jfh@rpp386.cactus.org
 There are three documents that run my life: The King James Bible, the United
 States Constitution, and the UNIX System V Release 4 Programmer's Reference.