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	<title>Comments on: The Inherent Problem With Health Insurance</title>
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	<link>http://brainblogger.com/2007/10/03/the-inherent-problem-with-health-insurance/</link>
	<description>Topics from multidimensional biopsychosocial perspectives.</description>
	<pubDate>Fri, 05 Sep 2008 13:09:24 +0000</pubDate>
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		<title>By: financeblogger</title>
		<link>http://brainblogger.com/2007/10/03/the-inherent-problem-with-health-insurance/#comment-257363</link>
		<dc:creator>financeblogger</dc:creator>
		<pubDate>Fri, 18 Jul 2008 21:47:28 +0000</pubDate>
		<guid isPermaLink="false">http://brainblogger.com/2007/10/03/the-inherent-problem-with-health-insurance/#comment-257363</guid>
		<description>I  agree  with  the   Blogger  and  several of  the comments  that  there  are problems  with  the  nature of  health  insurance in  the  US. The  government  and  the health insurance  industry  are  looking at  the  problem of over utilization of health insurance  resources. Some  carriers  are providing incentives for  healthy living lifestyles. One of  my  carriers provides discounts on  several life insurance products for good lifestyle  and  for  doing things like  loosing  weight. HSA Health insurance  plans  provide a financial incentive for not  over  utilizing  health  coverage  and  provide a financial disincentive  for  running to the  doctors  with  a simple  case  of the sniffles.

I feel it is  also  important  to  realize  that  nationalizing  health care is  not  a simple or  a good  solution either. The countries  that  have  done  that  deal  with  massive explosion of  health  spending in the  economy  and in  most  cases Restriction of  access is  usually implemented. In  the  UK   and  In Canada access to  specialists  can  be  severely  restricted. In  the  UK it  can take  10-12 months to get  an appointment with  a specialist. Is that  what  you  want  to  see  happen   in  the  US. I doubt it! You  will also  have  cases  where  a  healthy  senior  would  be denied  care for  a problem but  that an obese drug addict  would  be  able  to get  care for.  I  am  not  condemning someone for  an addiction problem  or obesity  but  there is  some  element of choice  there. They  have  made at  least  4 major  bad life style choices in  this  hypothetical situation. They  have  decided to  become  a drug user, they  are over eating, they  are almost  certainly  not  making   healthy  eating choices  when  they do  eat and  they  are typically  not  getting  nearly  enough exercise. It is  possible  to  do  something about  all four of these bad choices. 
If you get  help and  work on  those four problems  several  things  will  happen. Your  health will imprrove,  you  insurability  and  rates will improve,  your life expectancy  and you quality of  life  will improve.</description>
		<content:encoded><![CDATA[<p>I  agree  with  the   Blogger  and  several of  the comments  that  there  are problems  with  the  nature of  health  insurance in  the  US. The  government  and  the health insurance  industry  are  looking at  the  problem of over utilization of health insurance  resources. Some  carriers  are providing incentives for  healthy living lifestyles. One of  my  carriers provides discounts on  several life insurance products for good lifestyle  and  for  doing things like  loosing  weight. HSA Health insurance  plans  provide a financial incentive for not  over  utilizing  health  coverage  and  provide a financial disincentive  for  running to the  doctors  with  a simple  case  of the sniffles.</p>
<p>I feel it is  also  important  to  realize  that  nationalizing  health care is  not  a simple or  a good  solution either. The countries  that  have  done  that  deal  with  massive explosion of  health  spending in the  economy  and in  most  cases Restriction of  access is  usually implemented. In  the  UK   and  In Canada access to  specialists  can  be  severely  restricted. In  the  UK it  can take  10-12 months to get  an appointment with  a specialist. Is that  what  you  want  to  see  happen   in  the  US. I doubt it! You  will also  have  cases  where  a  healthy  senior  would  be denied  care for  a problem but  that an obese drug addict  would  be  able  to get  care for.  I  am  not  condemning someone for  an addiction problem  or obesity  but  there is  some  element of choice  there. They  have  made at  least  4 major  bad life style choices in  this  hypothetical situation. They  have  decided to  become  a drug user, they  are over eating, they  are almost  certainly  not  making   healthy  eating choices  when  they do  eat and  they  are typically  not  getting  nearly  enough exercise. It is  possible  to  do  something about  all four of these bad choices.<br />
If you get  help and  work on  those four problems  several  things  will  happen. Your  health will imprrove,  you  insurability  and  rates will improve,  your life expectancy  and you quality of  life  will improve.</p>
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		<title>By: David Schwartz</title>
		<link>http://brainblogger.com/2007/10/03/the-inherent-problem-with-health-insurance/#comment-96869</link>
		<dc:creator>David Schwartz</dc:creator>
		<pubDate>Wed, 05 Mar 2008 09:17:09 +0000</pubDate>
		<guid isPermaLink="false">http://brainblogger.com/2007/10/03/the-inherent-problem-with-health-insurance/#comment-96869</guid>
		<description>This article is really puzzling. It says a whole bunch of things about health insurance that are rather obvious and not problems at all. Then in the last paragraph, it makes a lot of false claims.

For example, you need not have faith that your insurance carrier will be there when you need it. You can evaluate the financial stability of insurance companies before you choose one.

As for health insurance being hard to afford if you are sick, it is only because health *care* is more expensive if you are sick. This is not an effect of health insurance, it's true of just about everything. Guess what, 30 gallons of gasoline cost more than 10.</description>
		<content:encoded><![CDATA[<p>This article is really puzzling. It says a whole bunch of things about health insurance that are rather obvious and not problems at all. Then in the last paragraph, it makes a lot of false claims.</p>
<p>For example, you need not have faith that your insurance carrier will be there when you need it. You can evaluate the financial stability of insurance companies before you choose one.</p>
<p>As for health insurance being hard to afford if you are sick, it is only because health *care* is more expensive if you are sick. This is not an effect of health insurance, it&#8217;s true of just about everything. Guess what, 30 gallons of gasoline cost more than 10.</p>
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		<title>By: HIP</title>
		<link>http://brainblogger.com/2007/10/03/the-inherent-problem-with-health-insurance/#comment-87161</link>
		<dc:creator>HIP</dc:creator>
		<pubDate>Sun, 03 Feb 2008 13:13:31 +0000</pubDate>
		<guid isPermaLink="false">http://brainblogger.com/2007/10/03/the-inherent-problem-with-health-insurance/#comment-87161</guid>
		<description>Wow! a very good article. It gives all the benefits and shortages about health insurance.</description>
		<content:encoded><![CDATA[<p>Wow! a very good article. It gives all the benefits and shortages about health insurance.</p>
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		<title>By: Anthony</title>
		<link>http://brainblogger.com/2007/10/03/the-inherent-problem-with-health-insurance/#comment-70616</link>
		<dc:creator>Anthony</dc:creator>
		<pubDate>Tue, 13 Nov 2007 14:26:30 +0000</pubDate>
		<guid isPermaLink="false">http://brainblogger.com/2007/10/03/the-inherent-problem-with-health-insurance/#comment-70616</guid>
		<description>Hi,
Your blog on Health insurance and Dental insurance is very good.  You are covering very use full issues for Health insurance and Dental insurance. I review different insurance related software sites and I find http://www.leadorganizer.net/ this site is very good for different insurance industry related software. I feel happy to inform you about it.</description>
		<content:encoded><![CDATA[<p>Hi,<br />
Your blog on Health insurance and Dental insurance is very good.  You are covering very use full issues for Health insurance and Dental insurance. I review different insurance related software sites and I find <a href="http://www.leadorganizer.net/" rel="nofollow">http://www.leadorganizer.net/</a> this site is very good for different insurance industry related software. I feel happy to inform you about it.</p>
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	<item>
		<title>By: Life Insurance Lowdown &#187; Blog Archive &#187; Carnival of Life, Happiness and Meaning #20</title>
		<link>http://brainblogger.com/2007/10/03/the-inherent-problem-with-health-insurance/#comment-65986</link>
		<dc:creator>Life Insurance Lowdown &#187; Blog Archive &#187; Carnival of Life, Happiness and Meaning #20</dc:creator>
		<pubDate>Thu, 11 Oct 2007 08:37:54 +0000</pubDate>
		<guid isPermaLink="false">http://brainblogger.com/2007/10/03/the-inherent-problem-with-health-insurance/#comment-65986</guid>
		<description>[...] Lakhan presents The Inherent Problem With Health Insurance posted at GNIF Brain [...]</description>
		<content:encoded><![CDATA[<p>[...] Lakhan presents The Inherent Problem With Health Insurance posted at GNIF Brain [...]</p>
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		<title>By: Personal finance money tips - October 6, 2007</title>
		<link>http://brainblogger.com/2007/10/03/the-inherent-problem-with-health-insurance/#comment-65333</link>
		<dc:creator>Personal finance money tips - October 6, 2007</dc:creator>
		<pubDate>Fri, 05 Oct 2007 22:35:24 +0000</pubDate>
		<guid isPermaLink="false">http://brainblogger.com/2007/10/03/the-inherent-problem-with-health-insurance/#comment-65333</guid>
		<description>[...] Lakhan presents The Inherent Problem With Health Insurance posted at GNIF Brain [...]</description>
		<content:encoded><![CDATA[<p>[...] Lakhan presents The Inherent Problem With Health Insurance posted at GNIF Brain [...]</p>
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		<title>By: gary</title>
		<link>http://brainblogger.com/2007/10/03/the-inherent-problem-with-health-insurance/#comment-65137</link>
		<dc:creator>gary</dc:creator>
		<pubDate>Wed, 03 Oct 2007 22:53:11 +0000</pubDate>
		<guid isPermaLink="false">http://brainblogger.com/2007/10/03/the-inherent-problem-with-health-insurance/#comment-65137</guid>
		<description>I have a friend who has great health insurance. This friend goes to the doctor (not exaggerating) 2-3 times per month at least for ailments and illnesses. Now, if this friend had to pay a large deductible like me he/she would not go. I find that people who have great health insurance tend to abuse it. I wonder if the rest of us pay for those who have great group health insurance. Those folks go all the time because the co-pay is almost nothing. I think that needs to be changed. People do not need to go to the doctor for every single cough, cold, sneeze and ailment. Sometimes you need to take a couple aspirin and go to bed. Simple as that.</description>
		<content:encoded><![CDATA[<p>I have a friend who has great health insurance. This friend goes to the doctor (not exaggerating) 2-3 times per month at least for ailments and illnesses. Now, if this friend had to pay a large deductible like me he/she would not go. I find that people who have great health insurance tend to abuse it. I wonder if the rest of us pay for those who have great group health insurance. Those folks go all the time because the co-pay is almost nothing. I think that needs to be changed. People do not need to go to the doctor for every single cough, cold, sneeze and ailment. Sometimes you need to take a couple aspirin and go to bed. Simple as that.</p>
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