Posts Tagged ‘Insurance’

Tort Reform

March 1, 2010

You hear a lot about tort reform. A lot of people are claiming that it’s all we need to reduce the cost of health care. As if malpractice suits and insurance are all that’s driving up health care costs. I can see their point but there are so many other problems with it. I’ve lived in some rural areas, and as I am fond of saying, these doctors aren’t working here because they placed in the top of their class. I think some of them may be here because it’s the only place they haven’t been sued yet. And when they do screw up there should be an avenue to pursue it, so tort reform alone is not going to fix the problem.

I think insurance companies themselves play a big role in driving up costs and I have written on this before, The Solution, Sept. 2, 2009. Then there’s the big drugs contribution that I wrote about Feb. 22, 2010, Prescriptions. And of course I’m sure unions have a hand in this, the AMA for example. But if you’re dead set on tort reform let me lay out my plan.

It’s painfully simple. The loser of the case pays all costs. That’s it. Is that sick or what? I think if a guy is going to sue McDonald’s because he spilled the coffee in his lap, and he loses, he should pay the $22,000.00 court costs and the $3.2 million dollar defense fee for McDonald’s as well as a couple of million to his own law dog. I think we will be seeing the end of nuisance suits. And it certainly won’t be the get rich quick scheme that it is now.

Now, on the other side it wouldn’t be a bad idea to outlaw malpractice insurance. Why do we have it anyway? So they can pay off and the quack can go right on practicing. Personally I don’t want the guy practicing any more. I want him vacuuming out ashtrays at the car wash. Any way, that’s my plan. Do with it as you will and as always, until next time, screw environmentalists.

Ponzi

September 7, 2009

Do you know what a Ponzi scheme is? A Ponzi scheme (as described in Wikipedia) is a fraudulent investment operation that pays returns to separate investors from their own money or money paid by subsequent investors, rather than from any actual profit earned. It kind of sounds like an insurance company  to me, only in a different context. The insurance company isn’t offering any return on your investment (except in the case of some life insurance policies).

Many years ago I got a motorcycle, a drivers license and a license plate and I was on the road. The next year I had to pay $8 to the uninsured motorists fund. The next year I got a car and I had to pay $40 to the uninsured motorists fund. The next year I had to buy insurance from a private company, they said it would cut down on law suits. How has that worked out? Anybody? Anybody? I’m afraid it hasn’t worked out well at all.

What a sweet scam. No return on the investment and almost everyone has to participate by law. They just keep taking our money and paying legislators to make more laws requiring us to give them more money. Who needs taxes, insure us to death. Oh my, have I let Chairman Zero’s cat out of the bag.

Health Care

August 7, 2009

Back in the sixties the auto industry was booming. The seventies rolled around and the government got into the auto business in the way of regulations. You folks really didn’t see this coming? When government starts to regulate something, all is lost. It really is a monument to our auto industry that it lasted this long. Now, if you think health care will be any different send me some. Of course I mean whatever you’re smoking ,because it must be good stuff.

The health care industry is far more frail than the auto industry ever was. It will be lucky to last a year after Obamacare. They have already been beaten down by the judicial system in the form of malpractice, which tied in nicely with the insurance industry. I couldn’t have written a more sinister plot. The only part of the trifecta from hell that is missing are the corrupt politicians. Refer to “The Big Three” May 20,2009.  Hello.

A solution? Government clinics. Government clinics should be their only involvement in health care. If an individual doesn’t have health care doctors should be able to refuse treatment and send them to a government clinic. Sound harsh? Hey, at least I’m trying, what have you got?

Insurance

August 6, 2009

Ok, follow my twisted logic here. When you buy insurance you are actually selling your freedom for security. Ok, now that half of my readers have gone on to something more sane like Glenn Beck or Oprah we can talk. Lets talk about the tired old comparison of auto insurance to health care. You have auto insurance, right? When you have a catastrophic event it takes care of it, right? If you drive through the garage they fix it, right? When you spill brake fluid on the fender and it takes the paint off they repaint it, right? When your brakes wear out they replace them, right? When you need an oil change they cover that, right? When you are low on gas they fill it up, right?

If you answered no to any of the questions above why do you think health care insurance should pay for doctor visits and liposuction?  Think for a minute about how much auto insurance would cost if they did cover all of those things then reflect on the bargain you are getting with health care. If auto insurance covered all those things do you think they might want to have a say in how you maintain your vehicle, or the places you drive to or the way you drive? You’re darn right they would. And health care is no different.

I smoke, when I can afford it. Don’t you think the health care insurance companies would like to make me stop. I bet they would like to take that greasy pork chop away from you as well. Obamacare will make this all possible. If you’ll refer back to my post of May 20,2009, The Big Three, corrupt politicians, insurance companies and the judicial system, you’ll realize that I’m not defending the insurance companies, I’m just trying to point out where Obamacare will take you.

Freedom is not free, will you sell your freedom for security.