The Lack Of Healthcare Coverage

Health Care should not be an issue in national politics,period. It is not the responsibility of the state (ie, the people) to ensure that you have proper medical coverage, that's YOUR responsibility. If you have made choices in your life that have landed you in a job with little or no health coverage, or you simply cannot afford health coverage, live with your decision, be an ADULT. If you have uninsured children, you are to blame for anything that should happen to them, and I believe that chronically-ill, untreated children ought to be considered the victims of child abuse. If you can't support a child, don't have one.

Whatever happened to personal responsibility? From where do we derive the "right" to healthcare? Doctors and nurses provide a service, and have a right to charge for that service, the fact that such a service is in high demand is irrelevant. I suppose once they pass universal health care insurance, I should go and lobby for universal car insurance too? Or maybe universal property insurance (Katrina victims recieving compensation was unconstitutional by the way)?

You have the right to your life, your liberty, and your justly acquired property. The government's job is to make sure no other person denies you those rights through force or fraud. This is not a complex issue.

I agree with most of what you have said...the problem I have is with this portion : "Whatever happened to personal responsibility? From where do we derive the "right" to healthcare? Doctors and nurses provide a service, and have a right to charge for that service, the fact that such a service is in high demand is irrelevant. I suppose once they pass universal health care insurance, I should go and lobby for universal car insurance too? Or maybe universal property insurance (Katrina victims recieving compensation was unconstitutional by the way)?"

Where does personal responsibility end and governmental, state, city, and community responsibility begin?
Everybody is born....everybody gets sick (at one time or another), and everybody dies. Given that, isn't it reasonable to expect that one can access healthcare, in the richest and most prosperous nation on Earth?
Doctors , nurses, hospitals, insurance companies and technicians do, in fact, provide a service, but why should the services they provide be accessible to only the select few that can afford said services? Is greed a factor here? Of course it is. Is the corporate dollar the bottom line here? Of course it is.
Given the fact that said services are going to be needed at one time or another by every living soul, shouldn't there be reasonable expectation that those services should be a "right to", affordable, and accessible? I do.
I was a healthcare worker for 15 + years..and I have seen the waste, the excesses, the substandard care, the "okey doke", the mistakes, the subterfuge. I have also seen the milk of human kindness, the extension of care and concern, miracles, and artistry and skill beyond belief.
We are all members of humankind...we should always act like we are, which means caring for one another...caring what happens to one another...trying to make a way where there is no way. Now, if compassion and care for others is not a part of your make up...then you're excused...why don't you find a island somewhere, remote, where you don't have to interact with humankind, and they can be spared "you"? The others...get on board, and get out of yourselves, and help somebody....old, young, handicapped, incapable, needy...another human being.

And another thing...I sincerely hope a hurricane doesn't destroy everything you have, because if it did, you might be talking out the other side of your mouth...instead of projecting.

I agree that doctors and nurses SHOULD care for the sick regardless of payment,

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Peachy,

You keep talking about helping the sick and needy. Why is socialized healthcare the only way that can be done?

Why is it the responsibility of the government? The government is YOU. When will you figure that out? Or are you one of those that receive your income from entitlements?

Taking care of the needy is something that can be done by private funding, families, neighbors, etc. You keep yapping about all of these people dying because of lack of healthcare. Bull crap! Every person who is on limited income can receive much better healthcare than I can just by going to the health and welfare office. They also get food stamps and wic which provide better food than what many of us can afford to buy.

I find that most of these people that are so lacking in health care are the very ones that have cell phones, cable tv, etc.

Why are you so insistant on bringing in a program that will cost so much, be so easy to abuse, and will keep growing once instituted?

Have you not heard the stories of the UK and them having to pay thousands for tatoo removal???

I agree that doctors and nurses SHOULD care for the sick regardless of payment, and so do their respective professional communities (hippocratic oath and such), and I further agree that people should care for each other and be charitible. However, when government uses force (taxation) to force us to give, it stops being charity and becomes oppression.

If you want to control your life, you have to accept responsibility for it. Failure to purchase proper home-owner's or renter's insurance is nobody's fault but your own. Freedom is a two-way street; with liberty comes responsibility.

They had insurance freeman

The insurance companies are not paying off in the Katrina mess. Its wind, no its flood, no its wind and you're not covered for that.

Geez you people really are not informed.

What do you do for a living?


do you want to do it for free?

no. you have bills to pay.

I hold a license to adjust claims in Texas and Florida (had to do something with a poli sci degree), I know insurance. The court ruled that State Farm pulled a bad-faith when they denied coverage to home-owners whose homes were damaged by FLOOD, despite no such endorsement being on their policies. It was a crap lawsuit but the judge acted beyond his authority to "help out the little guy"....who lived on the gulf coast and didn't buy flood insurance. It's not my fault they chose to live there, and then chose not to pay for proper protection. NOW all of State Farm's insureds are paying a higher premium because they're hemmorhaging cash.

Again a totally uninformed opinion freeman.

I hold a health and life license and know a little about insurance myself after 23 years of selling it. My sons life long best friend is a All State claims adjuster.

You and I both know you are full of crap. The insurance companies are prorating damage. people who had both home owners and flood are still not being paid off, because flood caused 40 percent of the damage and wind 20%.

the insurance companies are not paying off, and people had policies for both flood and home owners for over 40 years down there . They are now finding out they are not worth the paper they are written on.

Like all large companies if they don't take the low ball settlement offer, then they have to sue, and we know what they hope happens before the law suit ever comes to court . They hope the people will just run out of money for litigation or die, either way its okay by the insurance companies , and they can always appeal judgments and keep the legal case going for years.

Your statement it's the fault of the Katrina victims for not having coverage is hog wash and a lie freeman.
Most did have coverage and now will spend years in courts trying to get the money they contracted legally to receive when they paid those premiums all those years.

Oh by the way, I only sell insurance that directly relates to my company business now days. I am too moral a person to actually rip people off the way most insurance companies do now days.

Freeman

We both know that long ago insurance companies decided flood insurance was unprofitable. So most do not even offer that coverage now days.

The federal government picked up that tab for the insurance companies and most flood insurance is through the federal government.

So your post seems directly in conflict to me. The government provides flood insurance in most cases so the insurance companies can keep their profit margins high, then they refuse to pay these claims because water came rushing in after a levy broke.

Never mind the hurricane had 150 miles per hour winds that took the tops off homes. It was all the flood.

And tell it to a home owner who is trying to rebuild they should wait for what 2-4 years to get their law suit resolved and then hope they get the money to rebuild.

Its crap! Its unethical. But then again the whole insurance industry is unethical.

yeah

freeman , sounds like double speak coming out of your mouth.

Remember except for the grace of God there goes you.

Its not your house or your insurance company that is not paying off.

So you'll just keep spouting half truths as long as it supports your opinion.

Face it insurance companies are going to pull out of the coastal regions in mass after this.

Then who will have to insure development along the coast to get that economy going? ...... drum roll please! The federal government.

The insurance companies already made their money and they will take it and run , once again leaving tax payers to foot the bill.

The entire system is messed up.

free reign capitalism need's reigned in a little.

some things are just too important to have profit dictate how they are run.

health care and home owners insurance being two of them.

No person should die in this country for lack of health care.

And no home owner should have to fight a legal battle to get the money to rebuild after their home has been destroyed through no fault of their own.

yeah

freeman , sounds like double speak coming out of your mouth.

Remember except for the grace of God there goes you.

Its not your house or your insurance company that is not paying off.

So you'll just keep spouting half truths as long as it supports your opinion.

Face it insurance companies are going to pull out of the coastal regions in mass after this.

Then who will have to insure development along the coast to get that economy going? ...... drum roll please! The federal government.

The insurance companies already made their money and they will take it and run , once again leaving tax payers to foot the bill.

The entire system is messed up.

free reign capitalism need's reigned in a little.

some things are just too important to have profit dictate how they are run.

health care and home owners insurance being two of them.

No person should die in this country for lack of health care.

And no home owner should have to fight a legal battle to get the money to rebuild after their home has been destroyed through no fault of their own.

Insurance companies aren't leaving the gulf coast, I make a living from working catastrophes, this statement is blatantly false.

Nobody HAS to insure property or health, insurance is a commodity to be purchased, and it is certainly not society's job (because the government has no money, WE do) to provide insurance FOR you. I believe in charity and communities helping one another, but using TAX money to pay for it is THEFT. You're taking from one person because you feel they can spare it and giving it to another without any benefit to the person from whom the tax is derived.

I am not an anarcho-capitalist, government as a referee is valid, but it is not society's legal obligation to provide for other people, that's a COMMUNIST ideal, and communism leads to TYRANNY, without question, without exception. Your arguments are emotionally-based and you are not accounting for the fiscal and political cost of nationalized health care or property insurance.

If you home is destroyed and you have a valid claim, reputable carriers WILL pay you and in Texas and Florida carriers MUST adjust and either settle or deny a claim within 30 days. Insurance law is a state issue, and always has been.