Medical reform snowe job

Latest News: Maine's Senior Senator pushes to keep Medical Costs high and deprive people of coverage. Basically, Snowe wants a medical reform Snowe job.


The private sector devotes 45% of its Medical Insurance income to the denial of coverage.
Necessary treatments and tests are routinely denied.
The goal of the denial is to ensure that the medical condition will worsen. Seems a bit counterintuitive to create a situation where the condition will worsen and costs of treatment will increase -- but when examined it makes perfect economic sense.
1. If a medical condition worsens, individuals covered under employer policies will reach a point where they cannot work. They will be terminated, or forced by their condition to quit. Once employment ends, the coverage ends -- insurance company is off the hook, the employee will be replaced and the related employee premiums associated with the job will continue. The Insurance Company gets the income with no payout requirement.
2. The undiagnosed condition (undiagnosed because the confirmation testing was denied) remains untreated. The condition worsens, and the individual dies. Once again, no need for a payout .
3. The condition worsens, the necessary treatment is provided at a cost (when all variables are considered) comparable to that associated with the preventative treatment. The Insuance company has lost nothing, has gained the interest on the unexpended money during the delay period, and has also gained, accrued premiums.
4. In every case, evidence of higher likely claims, or higher costs associated with the catastrophic care necessitated by the initial denial of services, justifies a risk increment being added to the policy. This increases the cash flow from premiums. In the case of employer coverage, the net effect is to increase ALL employee costs based on the single employee.

On balance, the private sector profits by NOT providing contracted health coverage.

Olympia Snowe therefore is taking the position -- shared by her fellow GOP members -- that Americans should be denied preventative or timely health care. As we currently pay twice that of any other industrial nation -- for a worse health care system -- Olympia has come out in favor of defrauding the people. In addition, her policy is to destroy the United States -- a logical result of a population which must needlessly devote funds to medical care which could otherwise be circulating t5hrough the non-insurance sector.