Tuesday, July 28, 2009

Health Insurance Companies Cannot Be Trusted with Our Health.

In an article in Slate magazine, Timothy Noah stated, "Private insurance companies dump very sick claimants based on stupid technicalities. That's reason enough to support health care reform." To back up his point, Noah described what is known as "Rescission," which is the process health insurers use to avoid paying out benefits to treat serious illness by finding minor errors in policyholder's paperwork that can justify canceling the policy. John Grisham's Book, The Rainmaker, described this process in detail, and was the basis for the movie of the same name starring Matt Damon.

Noah's article describes two specific instances in which persons were denied critical health care based on the flimsiest of excuses. Actually, it's very simple. Health insurance companies are in the business of making money. Their primary obligation is to their stockholders, not to the people who purchase health insurance from them. Is it fair to castigate everyone working in the health-insurance business? No, but that's besides the point. The system isn't working. That is the point.

This country has the highest level of medical technology in the world, but an inept, fragmentized, and at times highly unethical system of delivering health care services. The current health care system is bankrupting the country and denying critical medical services to millions of people. It is the ethical responsibility of Congress to put in place a better system. Of course, no one wants to put in place a system that can't be funded. Members of both political parties owe it to their constituents to work together to put in place a system that can at least start to provide adequate health care coverage for everyone.

I wanted to keep this post a positive one, except for the comments about the health-insurance industry. However, I would be remiss if I didn't mention Senator Jim Demint of South Carolina. Senator Demint's personal beliefs are more important to him than the welfare of the constituency he is supposed to serve. Otherwise he wouldn't be making reference to stopping President Obama on health care being the equivalent of his Waterloo. Senator Demint created his own personal Waterloo by making this remark.


Jason said...

This is a great site that you have here. I have a debate site myself and I would like to exchange links with you. We have to stick together. Let me know. Jason

Neil Benson said...