QUOTE(Beamer @ Oct 31 2009, 03:32 PM)

Well, I think Medicare should be abolished except for the truly poor. Same with Medicaid. Third party payers are the reason we have high health care costs. That includes insurance companies and with employers. Why was it that when I was younger, people didn't need anything but major medical coverage? You had insurance to protect you from an emergency. Same with home insurance or auto insurance. You don't have car insurance to replace a busted wiper blade or a blown tire. You don't have home insurance to purchase new windows for your house - unless they were blown out by a tornado or something. The only way to reduce costs is to make people responsible for their own health care.
I can go so far as to say that medicare should be means tested, but then, look what happens to people's opinion of what they don't get anything from. If people are not benefiting from something themselves they want it taken away from those who are, even if they need it. So, the reason medicare and social security passed and survive is because all people benefit from it.
Medicaid: Well, I don't know about CA, but in Georgia you have to have an income below the poverty line: 20,000 a year. Plus you may not own any assets above 2,000. You must be over 65, or have kids that are dependent on you and those kids must be your birth children or you had to adopt them officially. The only other way to receive Medicaid is to be declared officially disabled by the Social Security administration. You may not be single with no kids nor a step-parent (even if the parent of the children is disabled it doesn't count). You may not have simply applied for disability, it must have been declared valid by the SS admin which can take years.
So, no kids, no officially sanctioned disability and not over 65, over 21K a year, or savings over 2000 or a car/house over 2000 dollars then no medicaid at all! No hospital will see you unless it is an emergency and then they will only stabalize you.....and there are no free clinics, they all charge at least 40 dollars and that's just for the visit.
When we were younger, the cost of health care was a lot lower, and "major medical" meant a much broader spectrum of services that the insurance companies that work for profit have excluded. Remember when hospitals were all run for charity and different nuns worked in the hospitals? That was replaced in the 1980's, and 90's by large conglomerates like HCA, who went around buying up those hospitals and the charities could no longer compete, so they sold out to the three largest for profit hospital chains in the country.
If the price to replace a new window for your home was a cool quarter million you would not be able to replace it. If the price of price of a new tire were 1000 dollars you would have to have insurance to cover repiars like that. If the cost of a trip to the doctor with tests needed is always over a thousand dollars you can bet you NEED insurance for those "little things" that aren't so little anymore.
Right now Beamer, there is a small epidemic of whooping cough and the H1N1 virus spreading around in the local schools. The cost of a vaccination for Whooping Cough is about 100, but if someone doesn't have the extra 100, they keep putting it off, if they get it and spread it, then many will end up in the hospital on the taxpayers dime. What are you going to do, tell the child that has it that they can't get better because their parents were unable to afford the money to vaccinate them? Not only that but the CDC says *I* need a booster shot because immunity wanes even if you had the vaccine as a child...it's only because I called them to see, otherwise I would never know that I could get it since I had the immunization....but I can't afford the vaccine. Then, the H1N1 is going around, but if I get it, and I want or need the medication to ensure it doesn't turn into pneumonia, I can't afford to fill the prescription so I will just have to hope it doesn't. Otherwise, I will have to be hospitalized, at which point they will give me the Tamiflu, but charge me a fortune along with the hospital bill, which will ruin my credit because I can't pay it and that will greatly interfere with my ability to rent an apartment or even get a job!
These are the realities Beamer, not the "way it should be's" that you are talking about. I agree with your ideals in many ways, but they just don't work in practice.