The Big Think

March 13, 2006

Make Your Own Greenscreen

Filed under: Movies — jasony @ 10:52 pm

Very cool. For doing video FX on a budget.

Insurance Companies are Evil

Filed under: Disclosure,Politics — jasony @ 9:30 pm

There’s a form letter that goes out each March like clockwork. It’s from our insurance company and I always dread it. It starts like this:

“Due to medical cost increases and more frequent use of medial services…” And then goes on to say that they’ll be charging us a lot more for fewer services. We’ve all been there before, so I know I’m not alone in my anger. We’ve coped through the years by switching insurance companies, raising deductibles, decreasing services, etc, but still the rates raise inexorably. According to this site, the cost of health insurance has risen 59 percent since 2000, while workers wages have increased only 12 percent. I thought 59% in six years was bad. I thought college tuition increases were exorbitant. Until today.

We just got the dreaded letter. Sorry, but we have to raise your rates by 25%. I’ve looked at the stock and investor return rate for our insurance company and they most definitely didn’t show a 25% loss last year, so I’m confused as to how they can say they need to up our premium by such a large amount. We dealt with this last year by jumping ship and going with another company, but Erin got denied for a really stupid reason. It wasn’t anything that affects her health, but I guess the company we were applying to would rather play it safe. The really bad part is that we now have to check YES on any future insurance application when they ask “have you ever been denied for insurance?” I managed to get on with the new company for a decent rate, and it’s an HSA so I can actually save up some of that premium money and visit the doctor when I’m not at death’s door, but because of the denial Erin is stuck with the current lousy company.

Ask yourself how high your rates have to get before you decide that you’d rather take the risk and be without coverage (like millions of others have done). At what point does a person decide that the thousands of dollars per year (average for a family is $10,000/year) would be better off actually paying to go to the doctor, rather than pay some faceless company that will then turn around and deny you if you try and make a claim. I know, I know. If we dropped out of the insurance scam and one of us got badly injured or got cancer, we’d be sorry that we weren’t paying their usurious rates, but that’s not the point. What happens to the millions of people (not us- yet) who have to make the choice between paying health insurance premiums and putting food on the table?

Our healthcare system is broken, and it’s never been more evident to me that it needs major repair in order to fix it. What will be done?

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