John Moore:
40 million Americans have NO health insurance and can only get emergency treatment.
This is purely and simply false. Every American can get routine care and emergency care.
With the following caveat: routine and emergency care is free to illegals, welfare mommas, and even the richest elderly, and the insured get 70-80% discounts and a 20 dollar copay. The uninsured, which “can get” care, pay 3.3-7 times as much for the same medical service “package”.
Imagine if we sold 4X3′ plasma TVs. Free to the poor, 80 bucks copay to the rich with no deductable in the “exec only” premium med acre deal, and 1200 dollars for the middle class, expected to shoulder not just the costs of direct purchase , but subsidizing as much “free indigent care” inc. plasma TV purchases, as possible foisted on them.
Yes, and get ready for the bankruptcy proceedings if they are uninsured and are stupid enough to have any liquid assets for creditors to seize.
Unless you are an illegal, a prisoner, or an elderly person with huge net wealth eligable for free care, discounted but non-means tested taxpayer drug subsidies for seniors.
Even if you are fully insured, beware of health providers that quit arguing with insurance agents foot-dragging and decide to turn accounts over to bill collectors. Collectors who subsequently report to credit agencies that you are a paid debt risk, even if insurers then agree to the billing code or negotiate a deal with the health care provider.
I found I paid about 520 extra for car insurance over 3 years, and 2200 in home refinance because of two med laboratory bills that were paid by insurance, but creditors never removed the “account not paid” adverse credit info from two bills under 100 dollars from minor “wellcare” blood tests my wife did that were not paid by insurers within 1 month. The 2720 in extra payouts was termed “non-recoverable” by my counsel..who I payed 100 bucks to learn that only in America will even the insured get screwed on credit for mistakes.
I learned in America that bill collectors will only call once or not at all, and insurance premiums and mortgage underwriters will charge extra and not inform the purchaser they have poor credit which is the basis of hundreds, thousands extra charged.
