Seems that the company my husband works for is changing insurance… again. No joke, for a while it was every other year. It had finally settled down, I was getting into the flow and… wham… what scares me is how much higher it is this time. We can barely afford it. I’m seriously thinking about stepping up my search for a part time job, just so we can pay for decent insurance.
It’s not only me, I was talking to a Pharmacist and she was mentioning how shocked every is lately about how much their co-pay has increased. I think the Insurance companies ought to stand up and listen to me now… Lower it or lose it. I don’t want the new government insurance, but if I can’t pay your rates (and I’m close to it now)… then I will have NO CHOICE but to change and YOU WILL LOSE. You will get fewer and fewer participants until your rates are so high, even they will leave.
I was searching the web and found Blue Advantage information. Plan A pays 80% of the in-network and plan B pays 70%… what???? That could be a HUGE amount of money. Particularly for someone like me who has a kid with asthma. This just sucks.
I need to go to the doctor but can’t because I can’t afford it… which means I’m sick longer, and likely to get so sick that it could be deadly… but until it reaches that point… I can’t go in… what a vicious cycle. God help us because I don’t see anyone in the government or outside of it helping us.
You see, this is how they are going to manage the whole government health care thing.
Without tort reform, insurance companies have very little choice in rates because doctors have little choice but to raise their rates because their own malpractice is so high because of high exposure in the courts. (how is that for a run on sentence?)
Without tort reform, this will not change.
Those who write the laws (? congress? their staffers? lobiest?) are not going to pass tort reform because trial lawyers are in control with their campaign donations.
Because the legislators know that if they wait, eventually no one (except the truly rich and powerful – ie themselves, professional athletes, hollywood stars, and rock stars) will be able to afford private insurance. Then population will scream FOR government relief.
The government will not have the same exposure to liablilty because it is already law that we pions cannot sue the government without that government’s permission, so they don’t care how much exposure the doctors/nurses/hospitals have…