Checking Facts - Healthcare Reform

sacey0612 member for 29 weeks 5 days Send a message
NAHU - Protecting the Consumer's Future

Part of what I find to be so irritating about elections is that real facts and figures are often diluted, ommitted, slanted, or just plain wrong. I wish it was possible for Americans to find REAL facts and figures easier versus rely on mainstream media to provide the information that forms an opinion and conclusion for choice in candidate.

One hot topic being brought up regularly in this election is healthcare reform. I've worked as an insurance agent since September 2001, in various areas. I began in supplemental (i.e., Aflac) then worked for Pacificare/Secure Horizons (a Medicare Advantage plan) for 2 years, right up until United Healthcare purchased Pacificare. Along the way, I've worked with individual and group health, life, and long term care. I have been working as an independent broker for the past 2 years, representing various insurance carriers. Recently, I decided I prefer just to stick mostly with Medicare products and supplemental. I have always conducted business (a sale) with my client's best interest at heart and with the intention of helping my client understand the complicated subject matter so they make the best informed decision possible. I have a big-picture/long-term goal with managing/running my business and that is to maintain my clients by earning their trust and hope to get referrals from them.

In my experience I have encountered many situations where I felt disgusted with the current system we have, because I haven't been able to help someone. However, for the most part there are very good systems that have been put in place (i.e., the Medicare Modernization Act (MMA) of 2003) and have been designed to help make our systems better. President Bush signed into place the MMA of 2003 and I have seen all of the good it has done (too many points to list here).

As a result, I have become passionate about the topic of healthcare reform. The very last thing we want is more government involvement. We've seen where "more government" gets us. I'm furious at some of the comments being made by Barack Obama regarding Medicare and health insurance because its clear he doesn't know the "big picture" because he's not experienced in this area either. While he does have some good points for reform, overall I disagree with his plan. Please click this link to the National Association of Health Underwriters (NAHU), "The Presidential Candidates on Health Care—How the Candidates Stack
Up Against NAHU’s Positions on the Issues
June 2008
to see a very non-partisan comparison of both candidate's plan for "change." http://www.nahu.org/legislative/charts/2008%20comp...
Also, if you click through their website, you will see other documents showing very logical commentary, geared toward the protection of the consumer: http://www.nahu.org/legislative/charts/index.cfm

A word of caution: Organizations such as AARP/move-on.org are not reliable and neutral resources for information. AARP is very one-sided and is a disappointing resource for consumers looking for unbiased and helpful information.

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Thanks for a great blog. I

Thanks for a great blog. I wondered about AARP. You've helped me clear up the questions that I had about the organization's bias. Seniors can be fearful about their health care and not having all the facts can make voting difficult. You have helped me greatly.

Thanks for the resources and

Thanks for the resources and the links. Hopefully I will find the time to look at them more closely. I oppose both McCain's and Obama's policies on health care.

In McCain's plan I envision people using their $5000 tax credit to pay for other necessities in our tough economic times, leaving a lot of uninsured folks which would be an absolute nightmare. I don't understand why we cannot view healthcare in the same way we view fire or police services. (But that's another blog)

Obama's plan just sounds very unrealistic, lofty, and he still has not clarified how he would pay for it.

My biggest frustration during the debate last night came when an audience member asked a predetermined question regarding a consumer driven health care system. I am opposed to health care merging with free markets, and am interested to know what your thoughts are regarding a single payer system whether it is on a state or federal level. Do you see that as "Big Government?"

Also, what do you think about insurance companies having the power to deny claims that they simply don't want to pay? What options are out there that you think would change that problem in either candidates plan?

"Speak not in the ears of a fool: for she will despise the wisdom of thy
words."

Proverbs 23:9