Reply #8: Premiums [View All]

[Edith Ann]

We pay for individual policies because my husband is self employed and I work 2 days a week so I can't get company insurance. I pay 615.00 a month and my husband pays 1027.00 a month. I have 5,000 deductible and he has 2500.00. Please let me pay 1600.00 a year in premiums. By the way I belong to a high risk pool, not because I'm ill but because I was turned down for preexisting conditions. A sinus infection 5 years ago was considered preexisting. I was turned down By BCBS because I had female organs and might have to have them out. I don't have any medical problems with my female organs. I wonder about men and prostate problems? 95% of men will have prostate problems but I don't think they get turned down because of that statistic. This high risk pool is subsidized by insurance companies. They limit coverage to 500.000. They control this pool because they don't want competition. I was asked to be on the board of the state high risk pool once. 1 patient advocate and 15 representatives of insurance companies. How fair do you think that is? This is John McCain's plan.(the high risk pool that is). Now my plan. We need to put everyone on Medicare and let the insurance companies sell supplements. They will have around 46,000,000 new customers to help with profits. If Congress will leave the money alone it will sustain itself. People 0-35years old don't get sick (just the odd one out). After that we just need tweaked for the most part from 35 to 65. Most of the Medicare dollar is spent in the last year of a dying or elderly persons life. Some of that is because people will put a 99 yr old on dialysis or do heart surgery on them. Some of them get it whether they want it or not because families force it. Insurance companies make record profits. Congress needs to stop this killing of Americans. We need to stop our tax dollars from going to pay for elected officials and their families to have health care coverage when they obviously don't feel taxpayers deserve a quality affordable level of care. We pay for their care and insurance companies fill their pockets. What a deal.