To: Peter Dierks who wrote (1027 ) 2/25/2006 11:13:33 PM From: Lady Lurksalot Read Replies (1) | Respond to of 42652 Peter, "Insurance companies have an interest in ensuring that medical payment problems are solved through them, rather than by avoiding them." Then it is hoped that insurance companies will cease trying all manner of means to avoid paying their legitimate obligations on behalf of their insurers and that they begin agreeing to pay for treatments deemed necessary by physicians rather than denied on the word of minimum-wage clerks. In other words, it has been decades since I have seen any real spirit cooperation with the medical community from insurance companies "In the eighties I was able to deliver insurance to young men at less than 1/4 of the cost to young women. It increased participation among young men, and helped control costs for the group." Not a bad risk, all things considered, since young men are less likely to seek medical treatment, except in cases of trauma or chronic illness. "Health insurance companies have not solved the problems yet, nor are they ever likely to do so. People are much more adaptable than corporations." Who are the people you speak of and how are they supposed to adapt? "The specter of Big Brother forcing and enforcing behaviors is something we should all be worried about." I am mightily worried about this one! "If we decide that we want to cover the risk premiums for our fellow man in order to ensure that our excess risk is also covered, then we should begin soon to pass legislation." Legislation is unlikely. The insurance companies have a strong lobby. "In some ways is uniform rate insurance like union labor? The strong carry the weight for the weak." Yes, spread the risk should be the name of the game. "What are our values? Are they worth fighting for?" I could write a dissertation on this one! <g> - Holly