The biggest complaints I had with health insurance

that was provided through my husband's work which commanded a healthy premium was this:
1. Every year we got a packet of options to chose from. We could get high premium and lower deductible or lower premium with higher deductible.

2. Every year the hospital covered changed. There are two major hospitals here..one a mile from us and one about 7 miles from us. One year one would be covered and the next the other..so if we had an emergency, the closest hospital was not necessarily the one on our list of covered hospitals.

3. The primary care doctor we had didn't work from both hospitals which made a problem if we had to go for any tests that he wanted us to have.

4. When we were given the option of medi-gap coverage through the company he worked for when he retired, which takes care of the 20% that medicare doesn't cover the plan wanted us to pay the premiums of course, but also 20% of that 20% they were supposed to cover. Needless to say, when we could drop it (I am a year younger and needed to have him continue his coverage through the company or I'd have no coverage at all) we went to a local insurer and got the full 20% covered.

Just these four things are enough to warrant having a public government run option similar to medicare - which we are on now - for anyone who wants it. They could roll medicaid into medicare and combine the best features of each and come out with an even better public option than has ever been given. Leave the greedy insurance companies to the rich who can afford their shenanigans.

and health insurance is a good idea?

in what universe?

when there aren't all those options and choices.

Was able to find providers who accepted "assignment" - no out of pocket costs.

ed - Hasn't helped my typing skills though. :evilgrin:

We all know government bureaucrats are worse. :sarcasm:

hang on to your wallet. They have actuaries that are trained to make the choices and options difficult to understand and thus profitable to the company.

The best and cheapest plan is to cover everybody for everything.