Sunday, May 13, 2012

Flexi's Medicare and Insurance Rant

I get so tired hearing about cuts to Medicare and how in order to sustain it we have to somehow reform it. There is only one way to fix and sustain Medicare, take it out of the hands of the insurance companies. 
Insurance companies are the trolls under the bridge. They take more for themselves and profit off of denying our aging populations claims. We need to take all the useless bureaucratic jobs created over the last ten years and retrain them to administer and maintain Medicare, it's budget and it's compliance. We need to have clear lines of coverage and no room for huge profit making. 
The working public paid into this system, it is mandated and it should not be handed off to the vultures to meat out to the public. This situation is salvageable and can be managed correctly. I am sick of the bullshit excuses from our politicians who are in the pockets of all the biggest scam artists on earth, insurance companies. 
This leads me into the next gripe I have which is the mandated insurance coverage. The insurance companies stand to gain 45 million more clients with the implementation. Then they get to refuse to provide birth control forcing a population surge that the whole public has to pay them for. 
This merry-go-round of money making has to stop. It is killing us quite literally. While unemployment skyrockets, insurance companies hold billions over their required securities and no entity has the right or will to force maximums on their tax exempt holdings. Every claim is backed by a hedge fund that only garners them millions more in holdings each quarter
The more people become unemployed and enrolled in the govt. health programs, the more the insurance companies make. No matter what happens in our economy an insurance company is making money. Michael Jackson dies before going on tour? Massive insurance claim. Probably through a hedge fund, or it could have been an outright policy, but somebody made money. Heath Ledger, Whitney Houston, any high price entertainer that dies while in the middle of a project, somebody gets a boatload of cash. Makes me want to be small and uninsurable for the rest of my life. 
The solution and alternative to the insurance coverage is to give all people the right to have Health Care Saving Accounts that are not administered by insurance companies, but instead by the IRS. There's more jobs for all those useless government research sector employees who need to be retrained as productive citizens. Clear rules about covered procedures could be as simple as, who you paid for the care and what their covered status is, i.e. I go to JC Penny and I see the eye doc and I buy my glasses, I save my receipt, it is covered. No endless clauses and exceptions, just clear, and tax exempt. Instead we are constantly subjected to someone else's judgement call about whether what we are having done is a.) necessary or b.) covered. 
Since there are no consensus among insurance agencies about what should and shouldn't be covered, and other than a few glaring examples, the government has been at best unwilling to step in and define coverage, the IRS seems to be the logical choice. They would be unable to be influenced in the same way that regulators, politicians, and our world leaders have been by insurance companies. They would also have to give equal Constitutional consideration to all taxpayers. No more of the bullshit of corporate moral fantasy. The only participation corporations would be entitled to in the pursuit of their employees health needs would be the percentage of their monetary contribution. This would also save them from the fines that can now be levied on them by the IRS for non-compliance.
The IRS could also introduce a new tax bracket to allow people to come together in co-operatives to participate in their chosen kind of health care. 
There should be no imposition of titles such as "alternative health care" because all care of the human is personal and all people should be allowed the dignity of choosing the appropriate measure of care for themselves. 
The local communities need to be given back the reign of the care provided in their borders. Corporations that are in a community must be expected to give back to the health care system in the places they inhabit. 
It is no secret in 2013 that these businesses use many times the resources that the individuals in the community do, and the exhaustion of those resources make them unavailable to the people who live and survive there. They must be expected to participate in restoring the imbalance they are responsible for or they must be forced out. Where they will not comply, opens up an opportunity for someone to come in who will. Businesses failing is not new. Bailing them out is. 
Speaking of the bailout, does anybody remember what the company did that caused this whole mess we're in? 

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