Health Reform???? The GOP HAS THE SOLUTION

[speciallyblend]

sarcasm) solutions my ass.both sides are full of crap!!!! this is our story!!!

the only health care reform that is needed is to outlaw insurance companies themselves.

the fact is we were screwed by insurance companies to the amount of 250,000,now my wife is disabled and we are not insured(now) and we are forced to get free medical care from the state and i guess i will have to file bankruptcy because of our insurance company and we had approval letters for surgery or the doctors would of NEVER done the surgery!!

the point is i am not for single payer,but if the republican party doesn't fix the corrupt scum called insurance companies. then the gop can attack obamacare all day long but sticking the republican partys head in the sand and act like nothing is wrong and insurance is ok will insure the republican party loses in the next few elections.

what is the gop doing to solve the corrupt insurance problems???? please don't say free markets and i know people will say we don't have free markets!!

we have been raped/enslaved by insurance and the government to the point we now have to go get government help. i have never wanted to get food stamps or assistance but now we have no choice.

the gop better wake the f up!!!!

we have approval letters and we keep trying to find attorneys but everyone wants 50,000 from us. we are now forced to let the state pursue the insurance companies with our doctors. we have been sent to the poor house so we can't afford to fight the corrupt insurance companies...

In the end we are now forced to get assistance,not to mention our current disability check was stopped with the only notice saying march 18th(if they didnt get some doc note) and it was march 5th. now we are trying to get our doctors to get our disablility payment back. we should of had that for the next 15 months. the insurance industry is corrupt broken and needs to get fixed. the gop can keep attacking obama care i don't care but if they do not fix the problems. Then the gop will be as screwed as obama.

the bottom line is the insurance industry is full of crooks and they do not give a fuck about the paying customer who is insured. in the end we are broke and continue to try to fight the insurance industry until we are homeless or dead!!!!

the insuracne company will screw the insurance payer ,so that they can have great bonuses and make a profit of us the insurance payer. Insurance companies are broken.

I am here to tell you i am against single payer and i am against the current health insurance system as it is. IT IS BROKEN!

not one god damn thing the gop or dnc is gonna do will help me and my wife now,personally i think both sides are full if shit!!! health care reform i balk at both sides and call BS!!!! this has been 3 yrs of hell and will continue!!!

i left alot of details out but everyone should get the point ,no matter what side your on!!!!!! the bottom line we are now forced to go to the state for help if there is any!!! we are losing one car ,we are 2-3 payments behind on our only other car and we now are 2 months behind on mortgage and i am the only income. what will happen in the future. well i am heating my tar up for my roof and getting feathers to keep me warm:( i am pissed off as a person can get and now have to take drugs to keep me sane!!! THIS IS REALITY

[fisharmor]

Dude, I don't know where you learned history, but this is something which has been going on since the beginning of time.

People who want to make money are always going to seek government intrusion into a market in order to secure their share of it, and stifle competition. Quit obsessing about the insurance companies. It happens with the AMA, the UAW, the teacher's unions - even Larry Flint and Hugh Heffner tried to get government to crack down on internet porn in the same kind of corporate protectionist maneuver recently.

Check out how medieval guilds worked sometime.

The insurance companies may be corrupt, but they are just doing what any other business will do if given the opportunity. The truly corrupt party in this or any situation is the government who grants corporate protections, stifles competition, and forms monopolies.

Obsessing about the insurance companies doesn't do any good to the liberty movement. Everything you said is right, but the solution isn't to punish the industry any more than it is to reward the industry. The only true solution is for government simply to ignore the industry.

[speciallyblend]

Dude, I don't know where you learned history, but this is something which has been going on since the beginning of time.

People who want to make money are always going to seek government intrusion into a market in order to secure their share of it, and stifle competition. Quit obsessing about the insurance companies. It happens with the AMA, the UAW, the teacher's unions - even Larry Flint and Hugh Heffner tried to get government to crack down on internet porn in the same kind of corporate protectionist maneuver recently.

Check out how medieval guilds worked sometime.

The insurance companies may be corrupt, but they are just doing what any other business will do if given the opportunity. The truly corrupt party in this or any situation is the government who grants corporate protections, stifles competition, and forms monopolies.

Obsessing about the insurance companies doesn't do any good to the liberty movement. Everything you said is right, but the solution isn't to punish the industry any more than it is to reward the industry. The only true solution is for government simply to ignore the industry.

BS, sorry i bet my wife somone would say the bs you just said, typical ignore the problem. insurance companies are no different then the government or corrupt criminal enterprises!!! sorry i don't buy what your saying. have you had 14 fused vertebrae and payed for insurance and then get approved and then denied?? after surgery and then left broke??

the insurance industry is Broken and i plan to hold all elected officials accountable.

your no different then obama, the whole insurance industry should be outlawed unless they fix the problem... your solution is let insurance companies operate like criminal enterprises. cover your eyes and ears, there is nothing wrong with insurance companies. you can keep living in your box!!! i wasn't giving you a history lesson. I WAS GIVING YOU OUR FACTS . the fact is insurance companies do not give a fuck about the paying customer. i wil be obssessing with insurance ,they fucked us. we are left broke and ficked by them!!
like i said the gop better find a solution acting like the insurance industry isn't broken is like sticking your head in the sand! do you work for insurance industry?? i told you i am against single payer, what part of that do you not get??

[speciallyblend]

the only folks who say the insurance industry is fine are folks with money or folks who have minor problems. the minute you have a major health problem. the insurance interests is not for you but their profit margin in the name of not helping you . the folks who say their health insurance is fine are folks who haven't had major problems or are lucky their insurance company covered them. bottom line i dissagree with single payer system(more money for corrupt insurance) but if the gop continues acting like everything is fine. then the gop will knowwhat blowback is no matter how you folks judge me for being fucked by insurance companies!!

either way i know no matter what the gop/dnc do. we are fucked. neither side will solve what happened to us in the long run, so i guess we are fucked!! it is beyond me how anyone can say nothing is wrong after explaining what has happened to me and my wife . i am not hear to defend single payer or support it. i am hear to tell the gop there are problems. is an elected officials gonna call us,hell no. in the end fuck it ALL, we are fucked

[Live_Free_Or_Die]

nt

[speciallyblend]

how do we fix what the insurance companies are doing?? which is screw the consumer who is paying for insurance!!??

[speciallyblend]

Well..... Try this....

*disclaimer: the following should not be construed as legal advice, is 100% illegal in the eyes of government in all jurisdictions I am aware of, may crimp your standard of living, but in drastic cases I have heard it includes free food and medical.

This April 15th just say NO!

how about the issue and try to find away to stop insurance companies from screwing policy holders!!

i am doing my best to try to dig ourselves out of this hole. for now i have to get every state assistance i can. i don;t want to but we are left no choice.


i guess the only solution is to get use to getting fucked by insurance companies!!and be poor for the rest of our life,since we will never be able to pay 250,000 in bills. i guess let the state fight the company while we get assistance and try to live off foot stamps and other assistance!! until we lose our home! then i do have northface sleeping bags and a tent!! this whole 3 yr journey has been depressing, trying to keep our chins up.

[Live_Free_Or_Die]

nt

[fisharmor]

Everything you said is right, but the solution isn't to punish the industry any more than it is to reward the industry.

Everything you said is right, but the solution isn't to punish the industry any more than it is to reward the industry.

Everything you said is right, but the solution isn't to punish the industry any more than it is to reward the industry.

Everything you said is right, but the solution isn't to punish the industry any more than it is to reward the industry.

Everything you said is right, but the solution isn't to punish the industry any more than it is to reward the industry.

Everything you said is right, but the solution isn't to punish the industry any more than it is to reward the industry.

In case you missed it the first time.
You're blinded right now, and you have revenge in your heart, so I trust neither you nor your wife to make decisions about how I should get health care.
You accuse me of being no different from Obama. I accuse you of being no different from those who voted Hitler into power.

[speciallyblend]

Do you subscribe to a government solution (introduce more legislation) or a Mises solution (government needs to repeal all legislation and GTFO of all aspects of health care at all levels so the free market can work)?

honestly i have no idea. but to act like insurance companies are not broken or the sytem is not broken for insurance payers. is also ignoring reality. I am not saying i have a solution. i am just telling you what has happened to us. As a liberty supporter. It is hard to support the movement broke. so in away the insurance companies are also doing what the government is doing fucking us!!!

for folks to act like nothing is wrong, is just as wrong. like i said in the end no matter what obama does or the gop doesn't do. me and my wife are already fucked! 250,000 in bills that should of been covered by our insurance and now our disability insurance was stopped as well with no notice!!! honestly nothing either side will do will solve the problem we have. it is already done! the american dream is dead and it was killed by our own insurance compnay that we paid every month for yrs!! i will keep trying to fight,but a beaten man is losing his will to fight anymore!!! neither side will solve what happened to me and my wife,so we just bend over and continue to take it!!

[speciallyblend]

In case you missed it the first time.
You're blinded right now, and you have revenge in your heart, so I trust neither you nor your wife to make decisions about how I should get health care.
You accuse me of being no different from Obama. I accuse you of being no different from those who voted Hitler into power.

sorry imissed that, i am angry. i guess in the end. i better get use to food stamps and state help. the insurance companies drove us to welfare..250,000 in bills i pretty much give up. i will work untl they take everything i guess. there are no solutions for us anymore. we are just fucked!!

i don't support single payer,but asking for insurance companies to be held accountable for their corruption and unethical treatment of insurance payers. i guess is to much to ask!! fuck it all

so in the end i guess tax payers will have to support me ,oo nevermind i guess finally my money i paid in to the system might help me feed my family!! like i said my only option left is state assistance!! you wouldn't be angry after what i explained ,if it happened to you.

[fisharmor]

Also, look up the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and other things you can leverage in your situation.
If you have paperwork saying it was approved, the system actually will work in your favor, if you make it.

[fisharmor]

sorry imissed that, i am angry.

I know, and I understand... I've gone through it with a couple thou, but nothing on this scale.

Getting saddled with the debt is only the beginning of the fight. You're not done. You have several years of tricks you can play, and even if they end up getting you in the end (doesn't seem likely) you can more likely than not settle it for half of what is on the bill and pay in installments.

The likelihood is that they'll try to take you to court some time, at which point you just produce the letters and say it was supposed to be covered.

The important thing is whether your wife is doing ok. And if you have to take state assistance: so what? That's what it's there for. Don't look on this as a pride issue... after all, it's your money you put into it earlier in life.

[speciallyblend]

I know, and I understand... I've gone through it with a couple thou, but nothing on this scale.

Getting saddled with the debt is only the beginning of the fight. You're not done. You have several years of tricks you can play, and even if they end up getting you in the end (doesn't seem likely) you can more likely than not settle it for half of what is on the bill and pay in installments.

The likelihood is that they'll try to take you to court some time, at which point you just produce the letters and say it was supposed to be covered.

The important thing is whether your wife is doing ok. And if you have to take state assistance: so what? That's what it's there for. Don't look on this as a pride issue... after all, it's your money you put into it earlier in life.

i hear you i do. my wife is doing better, very hard times. I continue to try to fight for liberty! i am very frustrated and trying to do my best!! i just can't believe this has happened to us. we are doing our best to keep our chins up!!! i continue to fight for our liberty movement and and doing what i can in our county with no resources!!

we are trying to contact an attorney in colorado front range that might take our case. i will probably lose our house eventually. trying to come to grips with it all:( but i have lost faith in government,insurance and law!

i told them please take me to court ,since i can't afford totake them to court!! as you probably know my credit is screwed now!! i had the american dream and everything i wanted my house and my wife. my biggest worry is my home. me and my wife are doing great considering what has happened!! my american dream now is finding some cheap land and popping my tent up!!

[hugolp]

how do we fix what the insurance companies are doing?? which is screw the consumer who is paying for insurance!!??

I am sorry for what you are going throught.

Since you asked for solutions, one easy and quick solution that would have a big impact would be to allow companies to operate in any state without restrictions. Weirdly medical insurance is one of the very few industries restricted this way. It would increase competition big time, it would shake the whole industry for the better.

Good luck.

[fisharmor]

as you probably know my credit is screwed now!!

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtm

Seriously, if you have documentation on this then get cracking and fix your credit!!

[speciallyblend]

I am sorry for what you are going throught.

Since you asked for solutions, one easy and quick solution that would have a big impact would be to allow companies to operate in any state without restrictions. Weirdly medical insurance is one of the very few industries restricted this way. It would increase competition big time, it would shake the whole industry for the better.

Good luck.

i can agree on that;) i wouldn't want anyone to go thru what my wife has had to go thru:( sniffle

[speciallyblend]

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtm

Seriously, if you have documentation on this then get cracking and fix your credit!!

i will,my wife will get on this. we have corrected mis info on our credit before but i will give laura this link so she can send them our apporval letters and challenge our credit!! thanks ooo my wife just looked up their(our insurance) annual rev for our insurance company 20-50 million a yr!! sigh blows my mind how this is happening to us!!

[LibForestPaul]

If your insurance company broke a contract with you, then use your fine courts of this great country to rectify this contract dispute.

[speciallyblend]

If your insurance company broke a contract with you, then use your fine courts of this great country to rectify this contract dispute.

we have to wait for the state to go after them. we are broke and attorneys want 20-50,000 to move foreward. we have 2 more attorneys to talk to but if they don't take case pro-bono. then we have to wait for the state to use its funds to go after the insurance company.. media will not cover story. they use hippa laws as reason not to cover story!

[TastyWheat]

If individuals shopped around and paid for their own insurance the "heartless" insurance companies would go out of business. If you had a bad experience at a restaurant not only would you not go back I'm sure you'd tell all of your friends not to go there either. If that doesn't fix the problem then you can only blame the consumers that turn a blind eye to their unethical practices.

[LibForestPaul]

we have to wait for the state to go after them. we are broke and attorneys want 20-50,000 to move foreward. we have 2 more attorneys to talk to but if they don't take case pro-bono. then we have to wait for the state to use its funds to go after the insurance company.. media will not cover story. they use hippa laws as reason not to cover story!

It is an ongoing case and you are posting it here?:confused:

Did you contact an attorney immediately?

Did you contact church or local bar for a listing of possible pro-bono lawyers?

[speciallyblend]

It is an ongoing case and you are posting it here?:confused:

Did you contact an attorney immediately?

Did you contact church or local bar for a listing of possible pro-bono lawyers?

there is no case yet, i just posted what has happened to us!! the only case so far is if the state of colorado takes the insurance company to court with the doctors.. if that happens then it won't happen overnight... we have all my paper work from the insurance companies and approvals for the surgery and of course we have all the denials after the surgery.

yeah we are contacting a lawyer in the front range, but we have lil faith in the system. we will see. it is all very frustrating!!

[speciallyblend]

insurance lobbyists must be voting this thread down. i guess republicans don't want accountability or transprency for insurance companies. all ican say is wow. i am trying to explain how the system is broken ,god forbid we discuss an important issue that is really happening!! forget accountability let the criminals run wild!!

well off to go apply for state assistance!!!!!

[speciallyblend]

If individuals shopped around and paid for their own insurance the "heartless" insurance companies would go out of business. If you had a bad experience at a restaurant not only would you not go back I'm sure you'd tell all of your friends not to go there either. If that doesn't fix the problem then you can only blame the consumers that turn a blind eye to their unethical practices.

i could agree with you,
right now i blame the gop for turning a blind eye on comsumers already . maybe the should stop bashing obama and stop the corruption within the insurance companies. maybe the gop leadership should speak louder?? maybe they should make consumers getting screwed by insurance companies the issue instead of bashing obama which doesn't solve the insurance companies screwing us. if free markets stop this .then maybe the gop needs to speak louder.

i have lil faith in the gop or dnc solving this problem. i have to get use to the stick being shoved up my rectum by the gop/dnc...

in reality the damage has been done and nothing either side will ever fix our problems. i have to get use to buying ky jelly and getting use to being screwed!! i feel like im in a dead end.

[speciallyblend]

i really apperciate folks advice. i had to get this of my chest. it is all very frustrating!! i feel so helpless!!! hopefully things will change for the better but i am bracing for the worse.

[jmdrake]

how do we fix what the insurance companies are doing?? which is screw the consumer who is paying for insurance!!??

Shift the tax benefit so that individuals can directly deduct the cost of buying insurance. Then consumers aren't stuck with whatever plan their employer offers. Most consumers would be better off with a high deductible plan + a health savings account. You can spend the health savings account as you wish. With a high deductible insurance companies would be less likely to deny claims and consumers would be more likely to control costs themselves.

[fisharmor]

maybe the should stop bashing obama and stop the corruption within the insurance companies.

Yes, I agree. The only reason the R's are blocking the health care bill is because they didn't come up with the idea. They have no philosophical reason for blocking it, which we all agree is a problem. And we all decry the R's not trying to grab the wheel and steer the conversation where it needs to be (free market). And we all agree that the insurance companies are corrupt.

But where we don't agree with you is on the notion that the government needs to clean them up. If they were stripped of their legal protections tomorrow, they'd be out of business next week. There is literally nothing proactive that government can do that would perform better than the market taking its dollars and walking, if you want to punish the corrupt insurance companies.

Case in point: I have USAA automobile insurance. I am NEVER going to use anyone else for automobile insurance. They are not the cheapest option, and dealing with them when setting up a policy is a royal pain in the ass sometimes. But if I go to China and drive a car into a lake, I will only need to make ONE phone call for it to be completely taken care of.

That is the type of service one could expect from health insurance companies, if we allowed it.


in reality the damage has been done and nothing either side will ever fix our problems. i have to get use to buying ky jelly and getting use to being screwed!! i feel like im in a dead end.

But what I'm trying to get across is that you should fight! So they say you owe $250k - you don't, so fuck that! You've got options, and if you have proof that you're getting boned, then that goes a LONG way toward getting out of this mess. Fight!

[pcosmar]

There is no Health Care Reform. From either side.
Both sides are just going decide who gets the lions share of the profits.
The whole argument is over dividing the spoils.
:(

[speciallyblend]

Yes, I agree. The only reason the R's are blocking the health care bill is because they didn't come up with the idea. They have no philosophical reason for blocking it, which we all agree is a problem. And we all decry the R's not trying to grab the wheel and steer the conversation where it needs to be (free market). And we all agree that the insurance companies are corrupt.

But where we don't agree with you is on the notion that the government needs to clean them up. If they were stripped of their legal protections tomorrow, they'd be out of business next week. There is literally nothing proactive that government can do that would perform better than the market taking its dollars and walking, if you want to punish the corrupt insurance companies.

Case in point: I have USAA automobile insurance. I am NEVER going to use anyone else for automobile insurance. They are not the cheapest option, and dealing with them when setting up a policy is a royal pain in the ass sometimes. But if I go to China and drive a car into a lake, I will only need to make ONE phone call for it to be completely taken care of.

That is the type of service one could expect from health insurance companies, if we allowed it.



But what I'm trying to get across is that you should fight! So they say you owe $250k - you don't, so fuck that! You've got options, and if you have proof that you're getting boned, then that goes a LONG way toward getting out of this mess. Fight!

I am going to fight. i am beaten down,but eventually i will rise again to fight. right now i feel just beatin down!! i am glad you see why i want action from the republicans! i do not want obamacare! i want accountability from the insurance companies. I want the gop to call this crap out. I want the real problems with insurance companies to be debated and solved. as long as we have the gop attacking obama and deflecting from the real issues(no problems will be solved and to me that is the goal of the gop/dnc,look like they are doing something but do nothing to solve the issues or discuss how free markets could solve these issues). both sides are the problem in my eyes!! i look at obamacare and the gop leadership and personally i think both sides are full of crap!! hopefully you see where i am coming from. i am in no way supporting obamacare. i am just trying to let folks know the system is broken!! in my eyes the gop doesn't give a dam!! this is a true story and we have the documentation,but in the end the media will not cover this,no matter what documents we have or how bad our insurance company treats us!

[speciallyblend]

There is no Health Care Reform. From either side.
Both sides are just going decide who gets the lions share of the profits.
The whole argument is over dividing the spoils.
:(

pretty much. that is how i feel!!