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Ilsadago1followshare
7-31-2009 6:06 PM
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Ilsadago1 says:
For the most part, my insurance coverage is catastrophic only. My portion of the premiums if I were to cover eligible members of my family would cost nearly 1/4 of my bi-weekly take home pay. Obviously, if a mortgage is only supposed to by 1/3 of your monthly salary, then insurance premiums are nearly the price of a good-sized house.

Adding to the 'ranks of the uninsured' is the fact of a 14.2% unemployment rate - of which my husband is one. He doesn't qualify for unemployment insurance so he isn't even counted.

So, why are my premiums so high?

First, because malpractice insurance for my physicians is totally out of control due to frivolous law suits, huge legal fees and the costs associated with trying even a small case. The judge, clerks, bailiffs, secretaries, etc...all have to be paid - by me, the taxpayer.

Because of the need to cover themselves, doctors are forced to order complicated, often if not always expensive and sometimes unnecessary tests and procedures.

Ev
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7-31-2009 6:07 PM
Ilsadago1
Every time a doctor orders a CT scan or a battery of blood tests - there is his fee (which includes the salaries of his staff, his building costs and the portion of his malpractice insurance that he must pass on to the patient), the cost to the facility to pay the personnel, the supplies, the equipment (none of which is cheap) and their own malpractice insurance costs, and usually a specialist qualified to interpret the results.

The second reason my premiums are so high: illegal residents who leech our resources in everything from medical care to education. Someone has to pay for what they use or are given. Guess who that is? The taxpayer. The insurance premium payer. The legal worker. ME.
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7-31-2009 6:08 PM
Ilsadago1
My great-grandparents came from Italy around 1910 - on a boat - steerage class. They learned English, they got jobs, they became citizens. Why should it be any different now? When did being lawbreakers ENTITLE anyone to my money? When did it become unacceptable for me to spend my money with charities or organizations that help people at my own discretion? Why is it now the governments job?

So, Senator, I stand firm in my convictions that we don't need 'Health Care Reform', we need basic laws already on the books enforced, tort reform to stop the lawyers from destroying us while they get wealthy and to put in place the means for the insurance companies to be able to lower premiums for malpra...
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