I do realize this, but this can also be the case with other forms of healthcare/health insurance reform. I feel that this needs to be done right, and I'm not confident in the current bill being proposed.
How can any reform be worse than what we have now?
I am a 'gatekeeper' for a health care facility. I take your insurance information. I call your company. I find out what your coverage is - or is not. I call you up. I tell you what will be covered and what will not. You make a decision.
If you could see the HUGE disparities in coverage - you would be nauseous. And it goes WAY beyond 100% coverage or 90/10 or 80/20. I see no deductibles; $250 deductibles; $1500 dedutibles; $6000 deductibles. I see out-of-pocket expenses as high as $10000. I see visit limits. I see restrictions as to the diagnosis code. I see pre-existing periods. I see PER DAY limits as to what a company will pay for a certain service. I see TOTAL CASH payouts a company will pay for a single diagnosis. I see annual maximums and lifetime maximums. I see no coverage at all for certain types of services. The list goes on and on.
I wonder as I work all day long what these people are paying as their contribution of the premium. I hear the cracking in their voice as they decline service. I file their paperwork away in an expandable folder in my desk drawer in case they change their mind. They don't. After the folder gets too heavy for me to lift, I take the paperwork to Medical Records where they retain it for a year or so. Eventually it gets destroyed.
Some evenings I come home from work with my heart so heavy.
Would you call this system "capitalism" and a fine example of competition in American? I would not. It is serfdom and servitude - these people are prisoners of the insurance policies selected by their employers. This is a horror inflicted upon the American people.