The Insurance Industry


When I see, or hear, of something I perceive as wrong, I write about it. Recently, very recently, a good friend of mine who lives in Pensacola had to go to an emergency room. This person usually feels whatever is wrong with her, she can fix and to go to an emergency room means something must be seriously wrong.

She arrived at the Emergency Room of a local hospital at 9:30 a.m. and was finally seen by a doctor at 4:30. After less than a five minute examination the doctor informed her there was a rupture of her old incisions, a severe hernia, a mass behind it and swollen lymph nodes. He then informed her the hospital was not a free clinic and he only had to stabilize her, not treat her. He gave her a prescription for antibiotics and left.

Apparently all hospitals in the Pensacola area are now owned by private companies and unless you have insurance you will not be treated at any of them. This was told to my friend by the nurse that was assisting the doctor. The one free clinic in the Pensacola area is overwhelmed by illegal aliens, minorities and drug addicts. People wait there for up to 10 hours to finally see a doctor.

Apparently, I was under the wrong impression that hospitals in Florida get subsidies from the government. This subsidy goes with the understanding they will treat all patients who go there no matter if there is insurance coverage or not. I know this is true for the hospitals in my area. I remember there was a case of an illegal alien who was taken to a local hospital and admitted. This person spent several months in the hospital and the bill, which was written off, came to more than a million dollars.

I do not know how many people in this country do not have medical insurance. I know neither I nor my friend have medical insurance because we cannot afford it. I would venture to guess at least 20% of us do not have insurance. What are the 20% supposed to do in an emergency?

I take a friend to the ‘free clinic’ here. There must be at least one thousand people a day that go there. Of the people that line up to see a doctor, 98% cannot speak English, yet they are draped with gold necklaces, bracelets, etc. Even their young children, some no more than babies, are wearing gold jewelry.

When I take my friend to the free clinic, I wait around until he is ready to leave. I usually speak to everyone waiting outside. The majority of African-Americans I speak with are just as disgusted as I am. They, too, had to give up medical insurance because they can no longer afford it. They are forced to go to the free clinic. They have paid taxes, lived by the laws and lead productive lives. Then they see literally hundreds of illegal aliens, who have not contributed to society or paid taxes, line up for everything from free food stamps, free medical, free dental, etc.

What is wrong with this picture? Natural born citizens cannot get medical treatment yet illegal aliens can get everything for free? Since when are natural born Americans considered second class citizens? If 10 percent of the population (according to figures I recently heard) are illegal aliens, this means we have thirty million illegal aliens in this country draining our resources. The only thing they are giving back to this country is shopping at Wal-Mart. They undercut salaries of Americans by working cheap.

The companies they work for do not have to pay social security or any taxes for them. The companies they work for do not have to declare monies earned by showing wages paid. Therefore, more profit is made. This situation would not have occurred if the government had not allowed insurance companies to charge exorbitant rates. I understand insurance became mandatory to protect workers, but if workers are illegal aliens they are not covered because they do not appear in the records submitted to insurance companies.

There are certain industries that have to pay up to one-third of gross payroll for insurance. The only way these companies can survive is to hire unskilled illegal aliens, who are not on the books, or by going out of continental United States to produce products.

There recently was an outbreak of e-coli which came from spinach grown in California. The outbreak was traced back to fecal matter in the water used to grow the spinach. There was fecal matter all right. The illegal aliens deliberately dumped the port-o-lets and all the waste in them, into the water used to grow the plants. It was their way of saying we need illegal aliens and they can contaminate our food source any time they wished. I am saying this as a psychic because I saw what they did.

Would this not be considered an act of terrorism? Has it been ignored because politicians want the Spanish vote? Thirty million illegal aliens cannot vote or have the politicians forgotten that little fact.

The citizens of this country are disgusted with the way things have been run for the past several years. They are very tired of the good ole boys of politics ignoring what the people want or need. This is shown by the recent elections. There are vast changes that have to be made in this country. Medical insurance for its citizens is one and an illegal alien problem is another.

I heard about a woman who is living with an illegal alien and has been for several years. Every time his brother (also illegally here) wants to go home to see the rest of his family he allows himself to be caught by Immigration. Then they send him home for free. After visiting his relatives he comes back to his life here. He has been sent home four times so far. As far as he is concerned, the American government gives him free trips home.

Home owners’ insurance is mandatory if someone has a mortgage on their home. The companies that sold home owners insurance made more than a billion dollars in profit, and then almost all of them cancelled selling home owners’ insurance in Florida. Now, the companies that do sell home owners’ insurance have tripled, and in some cases quadrupled the rates charged. As an example, if a person paid twenty-five hundred dollars for homeowners insurance last year, they now pay ten thousand dollars for less insurance. Flood insurance is now separate and, if one is lucky, only two ˝ % of the assessed value of a home is the deductible. Some people have 5% of the assessed value as the deductible. Because so many people come to Florida, our assessed values are higher than most other states. As an example, a home that might sell for $250,000 in this county, could be purchased for $25,000 in other states.

I could go on citing other examples, but I have written enough. The bottom line is we all deserve to be treated with dignity and respect. We are entitled to have our medical needs covered. We are entitled to be able to work and support our families. We should not have to decide between buying food and paying for insurance, whether it is medical or home owners’ insurance. It is time we told Big Brother the government works for the citizens, not corporations.

athena_louise


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