Give basic coverage to everyone and the peeps who want to buy supplemental insurance can get as fancy as they want.
There. That's how you do it. Obama's plan to start slow with a public insurance option ain't quite right, but it's a step in the right direction. He knows damn well you can't install the Erin Plan all at once.
Basic coverage means pregnancy, immunizations, your cholesterol meds, emergency medicine, etc. Someone else can figure out copays and whether or not you include coronary bypass surgery for someone age 55 but not age 89. Gastric bypass? Seems dodgy to me, but I'm guessing there'll be plenty of insurance peddlers out there ready to shell out any plan you want to cover what the Gov doesn't.
CODE ORANGE NEWS ALERT to all you schmucks worrying about the gummint getting in your face about your health choices. Don't be a dumb-ass. Private insurers practically do an autopsy on you before they'll cover you. We took out a new life insurance policy when our kid was born. That private insurer sent someone to our house to draw our blood for testing.
Read that last sentence again. Go on, read it.
And when my kid fell off her bike and broke her wrist? Our health insurer mailed a form full up with questions about who they could sue to recoup the costs when it was all over.
Ever get a letter from one of your docs saying he won't accept your insurer anymore? Even after you and your employer are paying out the ass for the coverage every month? I have.
People, insurance companies make their profits by NOT paying your medical bills. Yes, Gov. programs such as Medicare are flawed, but you talk to any doc and they'll tell you Medicare is 100 times better than any private insurer. And please DO NOT bring up the toenail thing.
There is one more diseased tumor on America's healthcare behemoth that no one's talking about. Malpractice suits are waaaaaay out of hand. The expensive cover-your-ass mentality that permeates our medical care is a direct product of too many lawyers and too much greed and it's got to stop.
Now then, anyone have any ideas on how to fix that?