I have a lot of opinions on a lot of subjects but todays opinion and thoughts are about insurance. Insurance depending on what kind you have is a gimmick.
Yes, it does cover and pay for things but it sometimes does not pay and cover things. It is good to have yes but until you need certain things then it becomes a hassle.
Doctors often times have to fill out a lot of red tape paper work to get things going and often times the insurance company does not even bother with it and the person needing the treatment and help does not get it.
They tell the doctors to do testing, and exams and then they will pay for the things they need and even sometimes once all the testing and exams are done, they still do not pay what they need to and then doctors have to go around and try to find ways to help the patient get what they need or ways to help them.
I know a lot of people are suffering right now needing supplies and certain medical treatments and medications to continue their lives normally and to get the help they are needing but because of their insurance they cannot get it without paying out of pocket for it and not a lot of people can afford that.
I also know people who are currently going without their medications because they cannot afford it due to their insurance will not pay for it and they live on low and fixed income.
The insurance rates are going up and up but what more are they actually doing to help the people pay for it and get the things that they need.
I know a lot of people that do not have insurance also because well the state took their Medicaid away for no reason at all and now they are suffering with their sicknesses and other health problems that they are going through.
There are a lot of things wrong with the healthcare industry. If we had universal healthcare, that would allow a lot of people to get the help that they need without having to worry about paying for the care. They would be able to use the money for other things.
This would also help because a lot of people already cannot pay for their bills and they end up in collections in which it still does not get paid even though insurance is suppose to help pay for it, they often times do not.
It is like they get to pick and choose what to pay for in which it ends up making the policyholder have to pay for most of it and often times the policyholder cannot pay in which is why a lot of people get insurance so that they don't have to pay all of it but in the end they may have to.
