The B Word Comes to Health Care Reform

We have heard it all before about big insurance. Or have we really?

There is not a day that goes by when some politician forgets to go on about big banking, big business, big pharma or big oil companies. Somehow, we are supposed to get the impression that these entities are evildoers (and some may well be) and have more money than anyone has a right to have.

We are also told as a nation that these big entities are the cause of all of our problems. If anyone took the time to look at that claim closely, they would notice that the only big evildoer with more money than they know what to do with is big government. Take that one step further and see behind the smoke screen of shifting the blame to big insurance and big hospitals when it comes to health care reform.

If you want a good example, have you taken the time to really read the fine print in your health insurance policy? Closely enough to understand what it says and means? For instance, if you are in your mid-50s and not likely to have any more kids, did you know that you may be paying premiums for maternity services? Furthermore, if you do not take drugs and are not a drug addict, then why are you likely paying premiums for drug rehabilitation? Take a good look at what you are covered for and see if you can figure out how much you are paying in premiums for things you will never use.

Why are you paying all this extra money for services you will not use? You are paying out the extra bucks because the government says you need those services. The interesting thing i, that over time, the federal government has been making it mandatory to have minimum coverage. That is all well and good as a baseline, but then the state where you live adds in its mandatory coverage on top of the federal coverage. Can you spell “Ka-Ching?” This of course raises the premiums. For each added service the price of a health insurance policy goes up and guess who pays for it? You do.

Is there a reason why big government is involved in private industries? Why are they acting like consumers do not know how to choose the best health insurance for themselves? The answer may well be money, money and more money, which will explain why the ultimate goal of the government is to head up the whole health insurance gig by the year 2014.

Do your own research and make up your own mind. Health insurance and health care reform are hot button issues in the U.S., and for good reason. You need to be informed because at some point, it will impact on you. Find out what is really going on and then make an informed decision in your own best interests.

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