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Originally Posted by n david
You forgot to include that should you try to use this "free" service, your credit will be seriously affected and you'll have collectors calling all the time.
Before we were married, my wife had ER bills w/out insurance which has been a pain to take care of.
It's not free. It's really not any of the above. It's a pain to clean credit from.
Also I'm absolutely against socialism in all forms, including socialized universal health care.
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Ummm...no one has said anything about anything being "free". The point is that the uninsured and underinsured are treated and often pay late (as in your case) or never pay anything at all. The creditors might call you all day and your credit's shot. Those are your unique issues and I'm sure you and your family can deal with that. My issue is that my family's insurance premium has nearly doubled because of late payers and non-payers.
Our current health care system is terrible. Imagine that the auto sales industry was run this way. Let's assume that anyone who walked onto a car lot could conceivably drive away with a new car, even the homeless. Now, vast numbers of people would be driving away with new cars and paying NOTHING toward them. To make up for this loss what do you think these auto sales people are going to do with that loss? They're going to pass it down to you and me. You'd see automobile prices shoot rocket to unaffordable rates until the industry collapsed due to no one being able to afford new cars. This is why the auto sales industry only sells vehicles to those who can afford them or have the credit and the ability to make payments. They deny people car loans every day. This mediates their loss.
Now...if the health care industry simply turned people away if they were uninsured or underinsured our health insurance premiums would drop significantly because they'd cut all that loss. But bubba, that's not going to happen. So we need a system where EVERYONE PAYS SOMETHING toward their health care. We also need to get business out of the loop so they can do business without this weight being on them. Our companies aren't as competitive as other foreign companies because our companies have this to deal with. It's just not fair to American business to expect them to shoulder this burden.
And you can say you're against socialism all day long if you like... but here's the deal...we already have a universal system. The only thing is that the industry has learned to profit off the loss caused by the uninsured by turning and milking the rest of us to make up for the loss...in addition to helping them meet their profit margins.
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