Jay Norris › Comments

"If it is the US Census, I would think they are technically "documented" because the Census Bureau is documenting them. Right?" - Jay Norris

"If it is the US Census, I would think they are technically "documented" because the Census Bureau is documenting them. Right?" - Jay Norris

"If it is the US Census, I would think they are technically "documented" because the Census Bureau is documenting them. Right?" - Jay Norris

"If I am to contact my local representative, what do I say? There is no name of bill to refer to?" - Jay Norris

"If I am to contact my local representative, what do I say? There is no name of bill to refer to?" - Jay Norris

"If I am to contact my local representative, what do I say? There is no name of bill to refer to?" - Jay Norris

"Susan, I was thinking of starting up an engine like that last year, but noticed there were already other sites starting that same thing. The best one I know of so far is www.carol.com, but it still doesn't have that big of a database yet." - Jay Norris

"Susan, I was thinking of starting up an engine like that last year, but noticed there were already other sites starting that same thing. The best one I know of so far is www.carol.com, but it still doesn't have that big of a database yet." - Jay Norris

"Susan, I was thinking of starting up an engine like that last year, but noticed there were already other sites starting that same thing. The best one I know of so far is www.carol.com, but it still doesn't have that big of a database yet." - Jay Norris

"Don, Good idea. When the employee carries his policy with him to the new employer, what happens if the new employer has a tighter budget and doesn't offer as rich of a plan? Does the employer still need to contribute atleast 50% toward that plan (that's how it works in Colorado)? Or what if the new employer doesn't offer health insurance as a benefit? Or what if the employee had to leave the job because of a serious illness and had no disability coverage and now has no income to pay for any of the premium along with big medical bills to pay? I have a lot more "what-if's," but I'll spare you. Do you think a better option would be to just eliminate the patchwork and cracks in the system for people to fall into and have coverage that's more, uh, what's the word I'm looking for... universal?" - Jay Norris

"Don, Good idea. When the employee carries his policy with him to the new employer, what happens if the new employer has a tighter budget and doesn't offer as rich of a plan? Does the employer still need to contribute atleast 50% toward that plan (that's how it works in Colorado)? Or what if the new employer doesn't offer health insurance as a benefit? Or what if the employee had to leave the job because of a serious illness and had no disability coverage and now has no income to pay for any of the premium along with big medical bills to pay? I have a lot more "what-if's," but I'll spare you. Do you think a better option would be to just eliminate the patchwork and cracks in the system for people to fall into and have coverage that's more, uh, what's the word I'm looking for... universal?" - Jay Norris

"Don, Good idea. When the employee carries his policy with him to the new employer, what happens if the new employer has a tighter budget and doesn't offer as rich of a plan? Does the employer still need to contribute atleast 50% toward that plan (that's how it works in Colorado)? Or what if the new employer doesn't offer health insurance as a benefit? Or what if the employee had to leave the job because of a serious illness and had no disability coverage and now has no income to pay for any of the premium along with big medical bills to pay? I have a lot more "what-if's," but I'll spare you. Do you think a better option would be to just eliminate the patchwork and cracks in the system for people to fall into and have coverage that's more, uh, what's the word I'm looking for... universal?" - Jay Norris

"Don, Thank you for a good response. I didn't see anywhere in the article where Louise mentions government footing the bill. But you're right, rich (mostly employer sponsored group) benefit packages increase the demand for many services because providers are over recommending/prescribing services and medications that really aren't needed. And consumers aren't questioning anything because the insurance is covering it with no problem. Even though the article didn't address a government solution, I'll play devils advocate in response to the question about how such a solution would be less expensive... Mainly, less overhead and less of a reason to try to find more ways for people to use the system (usage). In the profit based private sector system, the more people that use the products and services - the more profit there is to be had. The corporations need to show shareholders growth year after year. Pharmaceutical companies push providers to prescribe more, providers run extra tests and..." - Jay Norris

"Don, Thank you for a good response. I didn't see anywhere in the article where Louise mentions government footing the bill. But you're right, rich (mostly employer sponsored group) benefit packages increase the demand for many services because providers are over recommending/prescribing services and medications that really aren't needed. And consumers aren't questioning anything because the insurance is covering it with no problem. Even though the article didn't address a government solution, I'll play devils advocate in response to the question about how such a solution would be less expensive... Mainly, less overhead and less of a reason to try to find more ways for people to use the system (usage). In the profit based private sector system, the more people that use the products and services - the more profit there is to be had. The corporations need to show shareholders growth year after year. Pharmaceutical companies push providers to prescribe more, providers run extra tests and..." - Jay Norris

"Don, Thank you for a good response. I didn't see anywhere in the article where Louise mentions government footing the bill. But you're right, rich (mostly employer sponsored group) benefit packages increase the demand for many services because providers are over recommending/prescribing services and medications that really aren't needed. And consumers aren't questioning anything because the insurance is covering it with no problem. Even though the article didn't address a government solution, I'll play devils advocate in response to the question about how such a solution would be less expensive... Mainly, less overhead and less of a reason to try to find more ways for people to use the system (usage). In the profit based private sector system, the more people that use the products and services - the more profit there is to be had. The corporations need to show shareholders growth year after year. Pharmaceutical companies push providers to prescribe more, providers run extra tests and..." - Jay Norris

"Don: A person with $250,000 net worth would only need to have lifetime medical expenses of $1,250,000 to go bankrupt with a $1,000,000 lifetime maximum. Or, they would only need $350,000 worth of medical expenses in one year to go bankrupt on a policy with a $100,000 annual maximum. Those are not uncommon amounts. So that person may or may not know about those maximums on their policy, but their assets are not protected." - Jay Norris

"Don: A person with $250,000 net worth would only need to have lifetime medical expenses of $1,250,000 to go bankrupt with a $1,000,000 lifetime maximum. Or, they would only need $350,000 worth of medical expenses in one year to go bankrupt on a policy with a $100,000 annual maximum. Those are not uncommon amounts. So that person may or may not know about those maximums on their policy, but their assets are not protected." - Jay Norris

"Don: A person with $250,000 net worth would only need to have lifetime medical expenses of $1,250,000 to go bankrupt with a $1,000,000 lifetime maximum. Or, they would only need $350,000 worth of medical expenses in one year to go bankrupt on a policy with a $100,000 annual maximum. Those are not uncommon amounts. So that person may or may not know about those maximums on their policy, but their assets are not protected." - Jay Norris

"Louise and I watched Gattica last night and I can see why forHealth was reminded of that movie by this discussion." - Jay Norris

"Louise and I watched Gattica last night and I can see why forHealth was reminded of that movie by this discussion." - Jay Norris

"Louise and I watched Gattica last night and I can see why forHealth was reminded of that movie by this discussion." - Jay Norris

"I guess that your insurance is really paying off right now because the physical therapy on my knee was priceless. But I know how many times I would be able to dish out $637 for a visit.... zero!" - Jay Norris

"I guess that your insurance is really paying off right now because the physical therapy on my knee was priceless. But I know how many times I would be able to dish out $637 for a visit.... zero!" - Jay Norris

"I guess that your insurance is really paying off right now because the physical therapy on my knee was priceless. But I know how many times I would be able to dish out $637 for a visit.... zero!" - Jay Norris

"Thank you Jay! I am very impressed with all you have done to help us and I really appreciate how easy this process was!" - Jay Norris

"Thank you Jay! I am very impressed with all you have done to help us and I really appreciate how easy this process was!" - Jay Norris

"Thank you Jay! I am very impressed with all you have done to help us and I really appreciate how easy this process was!" - Jay Norris

""My hospital stay alone was a little over $131,000. That doesn’t include all the doctor fees for myself and for my children." I guess that's why health insurance companies won't even consider somebody who has gone through IVF before. If that person pays the $13,000 out of pocket for the IVF when she has coverage, the insurance company is on the hook for a big claim. Allowing them to put an exclusion on pregnancy would be a perfect solution." - Jay Norris

"John, I left a reply to the post on your blog. But, yes. Employer sponsored health insurance has left people confused about the point of health insurance... insurance. So when it comes time for them to purchase it on their own, they use flawed logic in their decision to purchase or not." - Jay Norris

""My hospital stay alone was a little over $131,000. That doesn’t include all the doctor fees for myself and for my children." I guess that's why health insurance companies won't even consider somebody who has gone through IVF before. If that person pays the $13,000 out of pocket for the IVF when she has coverage, the insurance company is on the hook for a big claim. Allowing them to put an exclusion on pregnancy would be a perfect solution." - Jay Norris