Re: An easy explanation of insurance

Mace,

The problem is, who's going to pay for millions of dollars for every broke ass person? What about the effect this has on willingness to work? I don't know about the culture of your part of the world, but there are tens of millions of residents in the USA happy to live on government assistance for their every need for their whole lives. Whole generations are raised with this understanding of how life in America works.

What's an actual reasonable level of assistance? We can't cover everyone for everything. Nobody, even the uber rich, has the money for this many people. And every increase in the level of free services leads to more people less motivated to ever be productive and higher costs for aiding the poor.

I agree that we should offer decent care to the poor. But our systems for doing this are already monumentally fraud-ridden and unsustainable. If everyone wanted to work, we'd have no problem helping those who really need it with a high quality of care. But literally tens of millions have absolutely no interest in doing anything. And bringing our level of care down to that of socialized nations is hardly justified by catering to their sorry asses.

[I wish I could obey forum rules]

Re: An easy explanation of insurance

V, yes absolutely. The NHS's biggest problem is it provides medical treatments that fall outside 'Health' making it wasteful of resources. The UK also suffers from a few too many work shy.

What should be covered is a tricky concept but I would suggest A&E (ER), STI clinics, oncology, vaccinations, tropical and infectious diseases, eyesight (but nothing that's elective) health, dental hygiene, antenatal and midwifery. Anything elective should be private, though the NhS could provide a payment plan with non-punitive interest rates but only for health-related surgeries (I.e. non-cosmetic), e.g. sterilisation, gastric bands, tummy tuck after extreme weight loss has been maintained for suitable period, aural restoration, laser eye surgery, and some dental surgery (not veneers, whitening).