Cover Florida...Florida's Insurance Program
I found this on the Tallahassee Democrat website. This is about "Low Cost Insurance for Floridians". Are they Joking or what.
"It's certainly easy to qualify for the insurance — you need to be between the ages of 19 and 64, have been laid off from your jobor have not had health insurance for six months. Those with pre-existing health conditions will not be denied enrollment to Cover Florida, but plans can exclude payment for treatment of certain pre-existing conditions for one year.
The average monthly premium for the program is $155. Some policies cover only the basics such as office visits, screenings, emergency room care and prescription drugs. Others will offer hospitalization and catastrophic coverage, but they cost more; children and seniors are not covered because there are other state plans available to them. Premiums vary according to age, gender, geography and options, such as deductibles, that consumers can choose."
If I'm out of work for 6 months, how can I afford insurance at $155 per month (or more)? And Why would I pay for Insurance that wouldn't cover my health conditions? I'm Diabetic. How would I pay for the insurance and Insulin ($50+ per vial) and the fact that every time I had a problem it would suddenly be "caused by My Diabetes"? Been there, done that. These people need to wake up.
That plan is just full of loopholes. I am in excellent health (in fact, I do marathons) - just take a low dosage of a blood pressure medication and that's it. Yet, it is impossible to get any health or life insurance at all because I take one pill. So, I am supposed to just let the pressure go up and then when I have a heart attack I can finally see a physician, but in the emergency room?
The whole medical industry is just fueled by greed.
Reply to this
Tim:
You have hit the nail on the head. When you go to the Doctor you see all these Drug Reps coming in with slick packaged new drugs, you have to wonder do I need this drug or has my doctor been paid to PUSH this drug, you wonder is this the drug I need, or is there a cheaper alternative. Have you also noticed that when new equipment is purchased everyone needs to be tested on this equipment. Hummm strange isn't it, probably just coincidence. Then the Insurance Copmpanies, you hear of family premiums over 500 a month, then your denied coverage at the whim of the insurance company, or whatever is wrong with you was pre-existing. There used to be someone you could complain to and get results, but unfortunately our Government representatives have been bought off too, they are being paid with lobbying funds to create legislation to bring about this situation. Our Representatives no longer work for us, they now decide what is best for us, and that's the Amercan way now, and people say "now" we're headed for Socialism. I guess as long as your giving money and passing laws to support the major corporate interests well that's Capatalism, but if you help the average American get better health care at an affordable price well that's SOCIALISM.
Reply to this
I think we'll see some big changes soon. A group of major insurers, including Blue Cross / Blue Shield, has agreed, in principle, to end the practice of denying individuals insurance or of charging individuals higher rates based on their health (or perceived health).
BUT... They only agree to do this if the federal government passes a law mandating that every person have health insurance. The idea is that doing this will result in more healthy people having insurance and will spread insurers' risk across more people.
One way or another, we're in for some big changes with healthcare. People are fed up with the current system. Either the government is going to mandate change, or private insurers will initiate change in an effort to prevent the government from forcing something on them, or maybe there will be a combination of both.
Reply to this