Let me just say it one more time, for the record. Your insurance company IS a terrorist organization.
I knew it would happen, someone took issue with my blog calling insurance companies terrorists. And of course they had to chime in with the tired refrain “Well, then, who’s going to pay for your health care, I don’t want a single cent of mine paying for your medical expenses.”
So, I just want to take this moment to explain to EVERYONE out there how insurance companies work and assure you that if you have insurance, guess what – your money is paying for someone else’s health care!
Let me break it down for you since no one seems able or willing to say this out loud. When you pay your monthly insurance premium at roughly $400 a month for a healthy, 30 something, non-smoking, white guy (if you get it cheaper through your employer it’s only because they are paying the difference!)
The first thing that the insurance company does is take half of that amount – $200 – and uses it to pay lobbyists to make sure that we never get a public option, to pay executive bonuses, to pay lawyers who write contracts with so many loopholes that the insurance company is all but assured it will never actually have to pay out on a claim.
Then, with your remaining $200 they pay regular staff, your personal insurance agent takes their cut and now we’re down to about $100. People seem to think that that $100 goes into some sort of magic account with only their name on it. It doesn’t. It goes into a giant pool and everyone who is on the same plan draws from that pool. So when my mother in law got sick with ovarian cancer it was not her accumulated monthly payments that paid for her $9,000 chemo shot every week but the collective group’s payments. Now when too many people under one agency get sick or injured rates go up because the company wouldn’t want to stop giving bonuses or change our medical system to focus on preventative medicine when they can just raise rates on everyone under the plan.
So, when you say that you don’t want one single red cent of your hard-earned cash paying for my medical expenses – you’d better get off my insurance plan. And, for that matter you’d better not go to the same hospital as me, because they too over-charge people who CAN pay in order to make up some of the losses they take from people who CAN’T pay!
So, what’s a red-blooded, tight-fisted American to do?
Well, GET OVER IT for a start. Then, start thinking about the numbers a little. We could ALL start paying a quarter of what we currently pay our insurance companies, call it a tax and provide quality health care to EVERY American. Of course then we wouldn’t be lining the pockets of billionaire insurance executives, but personally I can live with that if it means that children in the richest nation in the world can stop dying of preventable and treatable illnesses and injuries. I’d rather share ALL my red cents with you than pay for one more CEO’s private jet, island and mistress.
But I guess that’s just me or we’d all be out in the streets rioting for health care reform instead of idly watching the senate and congress beat it into some unrecognizable and unworkable “compromise” that will cost trillions without actually saving a single life all in the name of “reaching across the aisle” to a bunch of people who won’t unclench their fists long enough to shake hands on it.