HIGH DEDUCTIBLE INSURANCE

IS REALLY NO INSURANCE AT ALL!

You have been told your entire life that you need insurance. Probably our first experience is car insurance. Next, you're told you have to have insurance for your possessions. Then, it's health insurance, house insurance, life insurance, health and accident insurance and so on. We all dutifully pay and pay and pay in the hopes that if disaster strikes, that there will be the protection that we all think is there.

If you think about the number of homes in your community alone and the amount of premiums that are being paid to insurance companies to protect those homes, and then measure it against the actual amount of fires, floods, thefts and personal injury damages, it is not hard to see that insurance companies pull in tremendous amounts of cash that they keep for themselves. You can say the same thing about car insurances, health insurances, home insurance, health and accident insurance, etc.

Insurance companies have led the fight to make you believe that it is your responsibility to have insurance, even having laws passed, and their responsibility to have your cash so that in the event that you would need it, that the insurance will be there to help you. Just ask the victims of Katrina who paid their premiums faithfully, only to find themselves still in litigation trying to reap the benefits.

When the greedy insurance companies didn't have enough money, they decided to raise the rates so high that they had to come out with a "new product" with higher deductibles. That means that you are so poor that you can't afford higher premiums so you scrape up the $100 to $200 per month to buy these policies that carry deductibles of $2,500 or more in order to limit your punishment for your disaster. Most likely it is $2,500 you didn't have anyway and you can bet they will look to any excuse not to make good on their policies. You would not be hard pressed to pick up a newspaper and see someone is in a struggle with their insurance company trying to make a claim. In more than a few instances, you would have been better off keeping your premiums to pay on your disaster. Remember these struggles to receive payment occur when you are at your worst time of suffering.

How many of you have been given health insurance at premiums you can't even afford, but manage to short your food budgets enough to pay them in case of disaster, only to realize that you can't afford the deductibles or co-payments to even afford to go to the doctor?

Yet through all of this, the American Insurance Group (AIG), along with the investment companies and banks want you to bail them out for a system of greed that they all created. And let's not forget the Corporate Welfare. Why do you think there is such a cry for universal health care with a single payer system? Who do you think is going to be able to keep their cash on the old system where health care use to be one of the expenses that a corporation paid as part of a benefit package when they employed you?

You see the wealthy only scream about Medicaid when the poor, elderly and disabled benefit. Notice how much press the occasional welfare fraud or cheat receives in comparison to the press that the needy poor, elderly and disabled receive as they struggle to survive. This press, controlled by the wealthy, is to make you believe that everyone on welfare is some how less than human.

Wouldn't we all do better to take a tip from the Amish Community, where when disaster or catastrophe strikes, that the community all pulls together its' cash and resources to help the victims of disasters and eliminate the middle man who could actually care less about the community or its' members.

Who are the real thieves? The person struggling to survive or the Corporate conglomerations that have conspired to steal from the masses only to leave this country near shambles! Again, this is not about Democrat versus Republican. This is about those that have and want more than they need at the expense of those that have not or fast losing what they have worked a lifetime for!

Next Week: ?