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Problem solving

backhoeboogie

Well-known member
In any systematic approach to problem solving, the first thing you have to do is define the problem.

We live in a society that practically everyone can afford a cell phone, but many refuse to defer a cost such as that to insurance coverage.

We have to pass laws requiring proof of auto liability insurance when applying for registration, license renewal etc. That is because people don't care that they put you at financial risk on public roadways.

There are affordable health coverage plans at the level of a cell phone cost. They are not the best of policies, but they could be had.

Most eveyone will take a fire extinghuisher for granted until it is really needed. It seems insurance is being thought of the same way. Cell phones are however a necessity :D
 

hopalong

Well-known member
Don't foget $200 tennis shoes, 48" plasma tvs, all the gaming toys for the kids, and fast food for almost every meal!

Health care??? nooo let someone else take care of that!
 
A

Anonymous

Guest
Back hoe I suspect you have more in common than most folks would think. I will agree with you on the insurance thing. My daughter was forced into the high risk pool out of Austin for her insurance. She has condition called Ankylosing Spondylitis. No insurance will accept her. She is fortunate that her husband is in profession that allows them to make the $2500 a month preimums. Plus she showed me statment for her medicine in runs a little over $8000 a month now this out of her pocket and I also help with it also. One of the Doctors that she goes to has turned her down because of a $125 bill they said she owed. She offered to pay it but they declined and she had to find abother doctor. Her and the insurance company had paid this doctor over $85000 in two years. Now is that right free country you know. Also IRS could not beleive they were out as much for her health care and were audited. She had the bills to show. But this took time to gather to prove. Now another point that comes to mind. I choke up paying $2.50 a gallon for gas. Then I see people paying upperwards of $12.50 for a gallon of water when it is bought one pint at a time in a plastic bottle.
 

hopalong

Well-known member
hurleyjd said:
Back hoe I suspect you have more in common than most folks would think. I will agree with you on the insurance thing. My daughter was forced into the high risk pool out of Austin for her insurance. She has condition called Ankylosing Spondylitis. No insurance will accept her. She is fortunate that her husband is in profession that allows them to make the $2500 a month preimums. Plus she showed me statment for her medicine in runs a little over $8000 a month now this out of her pocket and I also help with it also. One of the Doctors that she goes to has turned her down because of a $125 bill they said she owed. She offered to pay it but they declined and she had to find abother doctor. Her and the insurance company had paid this doctor over $85000 in two years. Now is that right free country you know. Also IRS could not beleive they were out as much for her health care and were audited. She had the bills to show. But this took time to gather to prove. Now another point that comes to mind. I choke up paying $2.50 a gallon for gas. Then I see people paying upperwards of $12.50 for a gallon of water when it is bought one pint at a time in a plastic bottle.[/quote]

Good point,!!!! Just one of many that could be shown.
 
A

Anonymous

Guest
backhoeboogie said:
In any systematic approach to problem solving, the first thing you have to do is define the problem.

We live in a society that practically everyone can afford a cell phone, but many refuse to defer a cost such as that to insurance coverage.

We have to pass laws requiring proof of auto liability insurance when applying for registration, license renewal etc. That is because people don't care that they put you at financial risk on public roadways.

There are affordable health coverage plans at the level of a cell phone cost. They are not the best of policies, but they could be had.

Most eveyone will take a fire extinghuisher for granted until it is really needed. It seems insurance is being thought of the same way. Cell phones are however a necessity :D

What do you do with the thousands that have pre-existing conditions- and never could get insurance- or that lost their job and can now not get insurance because of those pre-existing conditions... :???:

What do you do with the thousands that when they do get seriously ill and they send in a claim- the insurance companies drop them :???:

Ex-One especially good trick the insurance companies do: Under most insurances- parents can pay extra and their children can be covered under the parents family plan until age 22 or 24--while attending college...Many cases have been cited where the young person suffers a major illness or accident- and the insurance company will go back and check and find that during one of the prior semesters the student dropped a class midterm- lowering them below the 12 credits needed to be considered a full time student- and thus dropping their insurance and getting out of paying the bills...And a young person that thought they were fully covered under insurance ends up being a young person with a lifetime of paying off medical bills or default and a lifetime of court cases and bad credit rating-- and sometimes instead of being an asset to the country, becomes a drain on the country...
There are thousands more ways these companies are squirming out of their responsibilities...

Come on Hypocrit-- Don't just say NO...Lets hear your plan to handle this...
 

Sandhusker

Well-known member
That is a problem and that is what should be worked on, along with the cost of medical treatments that translate into high premiums. However, I think a complete sociailist overhaul that costs a billion that we don't have is completely unjustified and irresponsible.
 

MsSage

Well-known member
This how the heathcare SHOULD be fixed.......Find the REAL problems and what we all agree on and go from there. No name calling no personal attacks just plain straight talking working together.
Get the politicians and lawyers out, who use word games and push thier agendas.

Sorry I stepped away and then hit post and low and behold ....
Come on Hypocrit-- Don't just say NO...Lets hear your plan to handle this...
This is what is wrong ....we need to find where we agree and STOP THE NAME CALLING AND ATTACKING.

When your building a herd you find what works then find what doesnt THEN and ONLY then do you go and make a plan to reach your GOAL.
 
A

Anonymous

Guest
Oldtimer said:
backhoeboogie said:
In any systematic approach to problem solving, the first thing you have to do is define the problem.

We live in a society that practically everyone can afford a cell phone, but many refuse to defer a cost such as that to insurance coverage.

We have to pass laws requiring proof of auto liability insurance when applying for registration, license renewal etc. That is because people don't care that they put you at financial risk on public roadways.

There are affordable health coverage plans at the level of a cell phone cost. They are not the best of policies, but they could be had.

Most eveyone will take a fire extinghuisher for granted until it is really needed. It seems insurance is being thought of the same way. Cell phones are however a necessity :D

What do you do with the thousands that have pre-existing conditions- and never could get insurance- or that lost their job and can now not get insurance because of those pre-existing conditions... :???:

What do you do with the thousands that when they do get seriously ill and they send in a claim- the insurance companies drop them :???:

Ex-One especially good trick the insurance companies do: Under most insurances- parents can pay extra and their children can be covered under the parents family plan until age 22 or 24--while attending college...Many cases have been cited where the young person suffers a major illness or accident- and the insurance company will go back and check and find that during one of the prior semesters the student dropped a class midterm- lowering them below the 12 credits needed to be considered a full time student- and thus dropping their insurance and getting out of paying the bills...And a young person that thought they were fully covered under insurance ends up being a young person with a lifetime of paying off medical bills or default and a lifetime of court cases and bad credit rating-- and sometimes instead of being an asset to the country, becomes a drain on the country...
There are thousands more ways these companies are squirming out of their responsibilities...

Come on Hypocrit-- Don't just say NO...Lets hear your plan to handle this...

Let them die that is the Republican humane way to take care of this problem. After all there is plenty of land to bury them in.
 

Steve

Well-known member
What do you do with the thousands that have pre-existing conditions- and never could get insurance- or that lost their job and can now not get insurance because of those pre-existing conditions...

if this was a problem that they were trying to resolve then they would have my support..

and the answer is simple.. just as some states have a pool of high risk drivers who can't get insurance.. all the fed has to do is create a pool..

for those who have existing coverage or employer coverage, the amount that an employer pays on average for it's existing coverage would be the cost of it's share..

the person could pay a portion based on income. (or lack of income if you wish) and a small tax on union contributions could fund the difference...
 

Steve

Well-known member
One especially good trick the insurance companies do: Under most insurances- parents can pay extra and their children can be covered under the parents family plan until age 22 or 24--while attending college...Many cases have been cited where the young person suffers a major illness or accident- and the insurance company will go back and check and find that during one of the prior semesters the student dropped a class midterm- lowering them below the 12 credits needed to be considered a full time student- and thus dropping their insurance and getting out of paying the bills...And a young person that thought they were fully covered under insurance ends up being a young person with a lifetime of paying off medical bills or default and a lifetime of court cases and bad credit rating-- and sometimes instead of being an asset to the country, becomes a drain on the country...
There are thousands more ways these companies are squirming out of their responsibilities...

and again if this is what they wanted to solve.. solve it.. not try to throw every issue in a pile and come up with a huge government solution..

my solution.. .if a person is given coverage by an insurance company.. the insurance company pays the bills...

in other words... simply.. fix the regulation that allows them to skirt their responsibilities..
 

Steve

Well-known member
Let them die that is the Republican humane way to take care of this problem.

it's more humane then leading them to believe you will care for them, and then when they have no other options, and can't care for themselves you pull the plug...
 
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