The evil heath insurance companies took a lot of beating in the public square during the debates over Obama Care. They have been painted as the bad guys that make tons of money without providing services. It is time to stop the bashing of the industry. Every client receives the insurance policy terms and conditions upfront and by signing a contract they agree on it. Yes it is ugly that claims are denied, but most of the times the policy to which the customer agrees state those limits. In most of the cases the customers receive the service they paid for. If the policy has cap limits, the customer should not be angry at the insurance company when the money limit is reached. The caps and limits are clearly stated in the contracts and the customers should continue to shop around before they sign if the policy they are looking at does not suit them. The insurance companies do not force anybody to buy their product. They are legally responsible to provide the services outlined in the contract.

Three quarters of those who file bankruptcy had health insurance. Apparently they had insufficient to their needs insurance. Is this the insurance companies fault? No. They provide the coverage they stated they will in their policies. Then whose responsibility it is to care for sick in America?

Tax-payers already have established safety nets for poor, disabled, children and seniors through Medicaid, Emergency Medicaid, Social Security Disability insurance, Medicare, CHIP (Children’s Health Insurance).
Almost everybody who made irresponsible choices when picking their health coverage will be serviced through one of the safety nets paid with tax-payer dollars. It is the Democratic Party lie that we the tax-payers have not done enough for the people who are sick and cannot afford care. ER are required by law to provide emergency services, Medicaid covers 100% of the health bill for the poor of all ages, Medicare part A covers 100% of hospital stay for all seniors, Social Security provides services for the qualified people with disabilities, the tax-code gives tax-deductions for your health coverage and credits for dependents and caregivers.

From the 30 million who does not have health insurance – 6 million live abroad, another 7 million are eligible for Medicaid, but did not apply, 6 million have income of $50 000 and more and can afford insurance if they want to. It is a very small percentage of folks that fall in between the cracks of the system and their needs should be addressed. The Obama Trillion Dollar Health Care Bill does not address the needs of those people – most of them are folks that are stuck without insurance and with preexisting conditions in between jobs. There are two things that will solve their problems and they are not in the two thousand pages of the health care bill.

1. Portability – people should be able to carry their insurance with them when they switch jobs;

2. To make portability possible the insurance should be valid across the state lines – so the folks can move freely within the USA carrying their health insurance with them.

Obama Care does not do that. Instead it expands Medicaid, Medicare and the federal and State bureaucracies. Those government entities are already black holes for tax-payer dollars. The fraud and abuse is estimated to be 60 billion a year in Medicare and Medicaid.

Americans don’t need more government bureaucrats wasting money. If Washington DC can push the states and the health insurance industry to provide a new service that offers portability – that people can keep insurance when losing job and moving to another state – this will prevent most of the preexisting condition cases. When responsible people are allowed to continue their coverage without gaps because of changing job or relocation the companies will not be able to hike the premiums or deny coverage as they do to those folks today.

Americans want health care reform, but they don’t see it in the Obama Care.

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