I spoke to a representative from Aetna the other day, as they are my new health care provider. I am pleased to say this is probably the best care I have ever received and they have the best to use and follow website.
I think it is interesting to note that this is what the rep had to say about pre-existing conditions (paraphrasing): "We check new members for prior health coverage to make sure that if they have any pre-existing conditions that they will be covered, otherwise they will have to wait a year to be covered for that condition."
He went on to say that this is to prevent people from playing the system. I actually agree with this, it is not fair for people to play the system. However, you know what is a novel idea that eliminates the need for this kind of treatment? A UNIVERSAL HEALTH COVERAGE INITIATIVE. Health care providers won't give two shits if everyone is paying in. If everyone pays in, then everyone is covered which means that no one is left hanging in the wind when they need to have an unexpected illness treated.
Why is this so goddamn difficuilt to grasp?
However, the one thing that concerns me plenty is the fact that since these are private companies, they should not be allowed to dictate the rates and neither should doctors. If everyone is paying in; then the cost of healthcare should drop significantly. The cost of treatment should also drop significantly.
I have seen my doctor visit bills, doctors are charging stupid amounts for a mere consult. I think 300 dollars for talking to the doctor is highway robbery.
Hospitals are the next target on the list, they charge 80 dollars for a single tablet of fucking tylenole! Tell me how that makes any goddamn sense?
Either way, something has got to give. This country needs this social program whether we want to do it or not. It would replace medicaid for seniors and not much else would change. These private insurance companies would at one point need to be controlled by the government or at least stringent regulation would be required.
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