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Eve Luppert commented on Talk therapy about mental health parity on October 14, 2009, 9:16 PM

PS, it's true about not being invited back.

Talk therapy about mental health parity

Conversations about mental health parity in insurance coverage trigger my repressed memory. … Read More

October 14, 2009   |  In Health & Medicine

Sports analogies at work, or What are you talking about?

How many company pep rallies are filled with sports analogies? Guess what? Lots of us have no idea what you are talking about! … Read More

September 18, 2009   |  In Business & Economics

Work: The insurance entitlement program

Getting health insurance at work was invented to be a perk, not the only affordable place to access insurance. … Read More

July 12, 2009   |  In Health & Medicine

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Eve Luppert commented on How a single-payer health care system can drive innovation into the economy on June 18, 2009, 11:25 PM

>>At the same time we want to feel like we are not paying for others bad health habits. This could be solved by creating mutual funds or bond accounts.<< But that is how all insurance works.  If you are healthy now, you are supporting those that aren't healthy now....and later, when you aren't healthy, the healthy take care of you. Since most health insurance companies are taking in huge profits, the idea that your rates are insane because Joe and his family down the street always eat at MacDonalds and smoke is pretty insincere.  Costs go up because of greed.  And because the insurance company increase their profits by denying coverages that your doctor recommends, and then blame you and your doctor for needing the care.  It's blaming the victim. There has been a movement that is somewhat like your mutual fund idea..it is called health care savings accounts.  Many companies have been offering this as a way to reduce costs...and I'll say it does.  You pay a premium to the insurance company, but if you need any care you take the contributions you have made (not counting premiums of course) and any your company may make on your behalf and then use that money to pay for care.  They've finally figured out how to take you premiums and not pay anything out....genius. The truth is a tiny little portion of the insured use the doctors office as a time waster.  This is not the problem The premise is that costs are high because you and I love going to the doctor for the heck of it, have procedures just because we can and take prescription we don't need.  Clearly they are doing a good job of convincing their customers that while you need your medicine, no one else does.  Further, they think that if we are consumers we will shop around for better prices.  So, when your daughter breaks her arm, rather than rush to the nearest emergency room, you'll get on the phone and price shop.  Or when you are prescribed something for your acid reflux, you'll price shop (which of course is a waste, since all prices are the same) or settle for Tums and milk, until your esophogas rusts, and then you'll call around for a cheap surgery.  So, the insurance co's have been very successful with much of the population (and too many of our elected officials) at convincing us the problem is us...well, not us, but all those other lazy, bad habit attention seekers that are on your plan.  But, look at the profits these "non-profits" make and your head will spin. 

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