Posted by
Kevin L. Kitchens on Monday, August 10, 2009 8:57:18 AM
Break a leg, get a virus, have a medical emergency -- EVERYONE in this country is already covered. Just show up at a hospital and you will get care. You may owe a bill on it, but you will get treated. Health insurance, like other insurance, is to help offset the cost of a major emergency or crisis: fire, auto, homeowner's, accidental death, etc.
INSURANCE IS A LUXURY, NOT A RIGHT.
I've paid homeowner's insurance for 16 years and never made a claim, until last week. We're getting a new roof due to wind and hail damage. Had we not been paying $650 per year for our insurance, we'd be out of pocket $7,100 for the roof. As it stands now, we're only paying about $1000. I've paid $10,400 in premiums over 16 years. and am receiving $6,100 from it.
Now, the lender requires me to have it and that's fine... but I could have survived without it and been $4k ahead of the game... but you're paying for the peace of mind. Because the claims could be so much bigger.
But it's still a luxury, not a right.
Health "insurance" is the same way. Or should be.
Most municipalities even offer low-cost maintenance services -- checkups, immunizations, etc. at health departments, etc. If poor people can afford cell phones, beer, cigarettes, and lottery tickets, they can certainly swing $10 for a booster shot. But some think they are too good for the public health service -- like Ray Nagin and the school buses -- they aren't going to demean themselves. Pride goeth before the fall.
America is a land of opportunity if you set aside your pride, humble yourself and accept the chances offered. But it's not just the socio-economic "poor" who are the problem. The fiscally poor college students and newlyweds who think they deserve a house and all the coveniences of mom and dad's (or mom's or dad's) home right away. "But we have to have... (two cars, four bedrooms, cable, internet, cellphones, dreaded texting, etc...)".
It used to be that people accepted their circumstances, worked within them to better themselves and get out of their situation. Your job doesn't pay enough? Get another one. No skills? Get them. Working part-time? You didn't expect full-time benefits. For you gamers out there, they earned each new "level" in their life experience.
Now everyone wants to use cheat codes.
So back to health care the "reforms" President Obama is promoting... As I said, everyone right now HAS health care access. 100%. But due to the lawsuits the number of doctors is dwindling -- some areas have no local provider. And with the ObamaCare plan, that number is going to get even smaller as medicine no longer becomes the rewarding occupation (both financially and emotionally) that is used to be and currently is. Fewer people with a genuine interest will become medical professionals. Those who already are and can will retire.
Under ObamaCare, our next generation of doctors (now a government job subject to goverment pay grades, perks, and job security) will come from the same pool of people that work in the DMV, deliver our mail, and monitor the scanners at our airports.
In fact, to save money, perhaps Obama should require that the TSA perform X-ray lab services for doctors -- just queue up at the airport, lie down on the belt, and convey right through.
The lines at the airport might even be shorter than the lines at an ObamaCare doctor's office.