tag:blogger.com,1999:blog-2879494519423294554.post7627193585687386939..comments2023-03-24T02:45:52.925-06:00Comments on Laws of Liberty: The Other Healthcare CrisisBENhttp://www.blogger.com/profile/03391133224258936636noreply@blogger.comBlogger8125tag:blogger.com,1999:blog-2879494519423294554.post-91760669336392884462008-11-22T10:11:00.000-07:002008-11-22T10:11:00.000-07:00Alex,Freedom is the gospel. The gospel is freedom....Alex,<BR/>Freedom is the gospel. The gospel is freedom. There is no difference. We are commanded to uphold the Constitution. Just because I am talking politics does not mean I am not teaching the gospel. Careful! Many prophets have taught these same principles even from the pulpit.<BR/>Your point about being a righteous people is well-said though. But I take issue with you thinking that just because I am discussing politics that I am somehow neglecting my duty to teach the gospel.BENhttps://www.blogger.com/profile/06456265331332728893noreply@blogger.comtag:blogger.com,1999:blog-2879494519423294554.post-20956683426745625092008-11-22T07:24:00.000-07:002008-11-22T07:24:00.000-07:00Freedom does not work when you have unrighteousnes...Freedom does not work when you have unrighteousness.<BR/><BR/>And if you think this country would be better with the kind of freedom that they had when the constitution was just created, just see what happened to the nephites prior to Christ coming. After they fought for their freedom, GREED took over (it was not government greed – it was the people 3 Nephi 6 I think).<BR/><BR/>The lack of law enforcement is an example of what would happen if freedom will be instituted like you want. The people in power will create stronger secret combinations, just imagine a free country for them to roam around. <BR/><BR/>It was but 3 to 5 years that the nephite nation disintegrated. <BR/><BR/>It is nice to talk about freedom, and even create forums like this, but the reality is that freedom is not achieved by changing a political party nor the government's role. Freedom is created the way the Laminates fought the Gadianton robbers, by teaching the the gospel and changing the heart of people.<BR/><BR/>You start not by claiming you are a freedom fighter, but, in a silent moment let the spirit of your example and your testimony influence a soul to change.<BR/><BR/>It is nice to blame government for all our problems, this is like the man complaining about loosing his job because his company moved to China – but he stills buys his goods at Walmart (China's #1 customer).<BR/><BR/>People – the US citizens are to be blame. The Laws are written because the majority wants it that why. See what happened during this election – the people selected the most liberal person in the history of this nation. They did it not because the voice of freedom was not heard, it was because in their hearts they do not have a conviction of righteous living. They do not want to be self sufficient. They do not want to be accountable for their actions<BR/><BR/>You want to teach freedom, teach the gospel, change the soul and Freedom will be a resultant of that.<BR/><BR/>Stop blaming government for the lack of freedom we have. We need to take the blame because we are not teaching the gospel to others fast enough.<BR/><BR/>-AlexVeLynn and Whitneyhttps://www.blogger.com/profile/15501559353417263661noreply@blogger.comtag:blogger.com,1999:blog-2879494519423294554.post-27996475146403394332008-11-21T22:56:00.000-07:002008-11-21T22:56:00.000-07:00I was talking about insurance in general when I me...I was talking about insurance in general when I mentioned suicide and that was only as an example of something that is not insurable. But no, suicide is generally NOT part of life insurance. If it is, then you are part of a higher risk pool.<BR/>There was another point that I wanted to comment on:<BR/><BR/><I>The company is the one taking the hit on the cost – this is call a company benefit. This is a private entity; managing the funds; so, this is not re-distribution of wealth.</I><BR/><BR/>First of all, the company is simply choosing to compensate the employee in health insurance rather than higher pay. This doesn't mean the company is taking the hit. It could not pay for health insurance and would instead have to pay higher wages/salary to be competitive.<BR/>Second, the point I made about redistribution of wealth was not to say it was wrong in this case. I was merely stating a fact. Insurance is a good way to do it and it is the free-market way of doing it. I was just saying that insurance was having a hard time actually insuring correctly when the government interferes so much.<BR/>Your comments on greed are troubling. Greed, or self-interest, is an important part of a free market. Self-interest is checked by the self-interest of others and enforcement of contracts. The issue we have now though IS greed BECAUSE of regulation by the government. In the free-market, there is risk which prevents entrepreneurs from making unwise decisions. When government removes the risk by bailouts etc, greed has free reign. Doctors aren't afraid to charge a lot because the government encourages it through Medicare and Medicaid. Insurers have to charge more for the reasons I already mentioned. Anyway, you see my point.<BR/>Freedom works. I believe in it.BENhttps://www.blogger.com/profile/06456265331332728893noreply@blogger.comtag:blogger.com,1999:blog-2879494519423294554.post-42041463698259460362008-11-21T14:46:00.000-07:002008-11-21T14:46:00.000-07:00I think there is confusion in regards to life insu...I think there is confusion in regards to life insurance and an health insurance (Suicide is not part of health insurance, it is part of life insurance)<BR/>In reality, all insurance products are base on a risk group. My family will be paying around $2,000 dollars per month for health insurance (large family) if I try to get insurance for ourselves.<BR/>The insurance industry has design a product call Group insurance. There is a great advantage in getting insurance through a company though. The rates are flat no matter what. That is why people get cheaper premiums through work than individually. The company is the one taking the hit on the cost – this is call a company benefit. This is a private entity; managing the funds; so, this is not re-distribution of wealth. This is an agreed benefit that is voluntary – you pay you get it, you do not pay - you do not get it. Now, if a company does not want o offer health insurance is up to them – Capitalism at work. That means that they get more from their workers (they pay less – no benefit for the same job that a company that pays insurance gets for). Nothing wrong – it is just business economic.<BR/>In life insurance, everyone pays different rates –and let me tell you insurance rates are extremely expensive for a smoker vs. a non smoker, for motorcycle driver to non drivers.<BR/>I do believe the problem in health care is compounded:<BR/>1. Greedy doctors<BR/>2. Greedy insurance companies<BR/>3. Greedy lawyers<BR/>4. Demand<BR/>Greedy doctors:<BR/>I have friend that want to be doctors and they are not willing to get a low paying job – due to greed and due to their student loans.<BR/>Greedy insurance companies<BR/>They make a lot of money – capitalism at work – Buffet owns several of them and they are the best money making business for him.<BR/>Greedy Lawyers<BR/>We are a society that loves lawsuits. We want fast money for no work<BR/>Demand<BR/>High demand – you get seek you are willing to do anything to get well or your love one.<BR/>There are a few problems but I do not think is the government fault. Rich doctors lobby for regulations so that they keep the number of doctors low.<BR/>Insurance companies lobby for restrictions in business areas – like a franchise. State lines are the limitations and also there is no group insurance for multiple companies.<BR/>In other words – A few rich guys were able to manipulate the laws to make them on their favor.<BR/>We people get seek and we are not willing to stop the current method of medical service. You want service you want it now.<BR/>Deregulation may not be the solution.<BR/>-AlexVeLynn and Whitneyhttps://www.blogger.com/profile/15501559353417263661noreply@blogger.comtag:blogger.com,1999:blog-2879494519423294554.post-65849485889254464542008-11-18T19:21:00.000-07:002008-11-18T19:21:00.000-07:00Well, the insurance company wouldn't raise rates i...Well, the insurance company wouldn't raise rates if it means they lose their competitive edge in the market. However, they may calculate that they actually receive an increase in profit when they are charitable.<BR/>In any event, they may not need to pay at all. Many doctors actually refuse medicare and medicaid payments. Instead, they give away their services for free much in the same way that lawyers are expected to do <I>pro bono</I> work.<BR/>There are also many ways that healthcare costs in general could be brought down. For instance, there are regulations that limit the supply of doctors. Medical schools are so closely regulated that thousands or more applicants are turned away when the schools have plenty of seats empty.<BR/>Not everyone that has a health issue has to see a full-blown doctor. There could be a whole continuum of certifications all regulated by the healthcare industry itself, not government, that say what a "doctor" is or is not qualified to do.<BR/>These types of certifications exist in all kinds of areas. They even exist for computers and networking but with no regulation at all from government.<BR/>Healthcare is the only industry that I know of where technology actually caused prices to go up instead of down. Now, people have even more reason to find competition in the medical field with the vast amounts of information available on the internet.BENhttps://www.blogger.com/profile/06456265331332728893noreply@blogger.comtag:blogger.com,1999:blog-2879494519423294554.post-47580294232333534062008-11-18T17:54:00.000-07:002008-11-18T17:54:00.000-07:00I think what you're saying makes sense-- the only ...I think what you're saying makes sense-- the only thing that I take issue with is that many (if not most) people who are in high-risk insurance pools are not there because of choice (as in their occupation), but because of illness or disability--sometimes as product of bad choices (as in gum disease or lung cancer caused by smoking), but probably more often through no fault of their own (type I diabetes or breast cancer or any other number of diseases and disabilities).<BR/><BR/>Perhaps corporate philanthropy is a part of the answer, but would they really have enough profit from the low-risk people to afford paying all the bills for the high risk people? If that was the expectation, then wouldn't they raise premiums on the low-risk people to compensate for the costs of the high-risk people? And isn't that the same effect of having pools with people of varying risks?Lizhttps://www.blogger.com/profile/08393879064785682250noreply@blogger.comtag:blogger.com,1999:blog-2879494519423294554.post-36128970842636806052008-11-18T17:25:00.000-07:002008-11-18T17:25:00.000-07:00The principle of insurance is NOT that people of v...The principle of insurance is NOT that people of varying risks are grouped together, it is the opposite: that people of the SAME risk are grouped together. That is why insurance tries to find out as much information as possible--so that they can group a person correctly according to the risk they see in that person's condition and behavior. <BR/>If I group a football player with an office clerk and insure them both for broken bones, the office clerk will be the loser. Thus, he will look for another company in competition with his first that offers a pool for people more like him so that he doesn't have to pay for the high risk of the football player.<BR/>The higher risk people are grouped with higher risk people and, as such, pay higher premiums, and rightly so. If they want to lower their risk, they can change occupations etc. They must accept those premiums as costs of their high-risk occupations though, if they want to be insured.<BR/>The question of whether a person can or cannot afford something cannot be determined by a free-market. The market merely sets the price based on demand for this high-risk insurance. However, it seems to me that if certain companies were not so heavily regulated, they could expand their pools of highest risk patients to possibly include people all over the world. Furthermore, they would voluntarily engage in insuring certain high-risk people as part of a private charity undertaking. There are many such businesses that do this. They give away their services to people, even if it is motivated by a desire for good publicity. Thus, they hope that they will attract new customers who want to support their programs. Coke does this. Car companies do this etc. There are many scholarships that are from private businesses too.<BR/>Also, let's not forget the role of purely charitable organizations such as churches. They do more good than is commonly known. Childrens' Hospitals, for instance, offer wonderful care, at no cost, to children with all types of diseases whose parents cannot afford to pay for medical care.BENhttps://www.blogger.com/profile/06456265331332728893noreply@blogger.comtag:blogger.com,1999:blog-2879494519423294554.post-76004151157593824382008-11-18T16:52:00.000-07:002008-11-18T16:52:00.000-07:00Ok, so I'm a little unclear on a few things; maybe...Ok, so I'm a little unclear on a few things; maybe you can send me some published info to clarify... I thought that the premise of insurance was that people of varying risks were grouped together so that everyone's premiums were reasonable-- that way, even if something catastrophic happens to a "low risk" person, he's still covered. I guess I can see how you could call this "redistribution of wealth" or something, but isn't the whole point of insurance to redistribute risk? I have a hard time separating those...<BR/><BR/>On the same vein, what are people who are high risk supposed to do if they're not included in a larger risk pool with lower risk people? They wouldn't even be able to afford the premiums without government subsidy (which I agree isn't the right way to go). Does it just come down to private philanthropy? It seems to me that otherwise, anyone with a catastrophic health condition will end up bankrupt. How is it <I>supposed</I> to work?Lizhttps://www.blogger.com/profile/08393879064785682250noreply@blogger.com