[preamble]Once again i am confused. Who will be saving money? All we keep hearing is how diabetes and “we are fat” is epidemic costing us billions of dollars. But who is it costing?
We pay for insurance. We pay for the insurance service to pay for our medical issues. If we use more than we pay for, insurance companies shave the right to increase our premiums and or not have us as a customer. Hence, we are paying for a service that yearly raise us 20% every year if we use the services or not. So again if we are PAYING for this service, who will save this money everyone keeps talking about? Will it be us with premium reductions in relation to how much less we will be using the services? I mean i am paying for them, hence if i am doing something that will make me use LESS of the services i am PAYING for, should i not pay less for the services?
Auto insurance works in a similar fashion, we pay for a service, we pay the increases if we are in an accident or not and when we need the services that we have PAID for, than the insurance company has the right to increase us or drop us. Business 1 o 1. Ju
Now lets juxtapose the realty with the rhetoric. We have a law that we MUST wear seatbelts. Seatbelts saves lives. Seatbelts reduces our chances of being severely injured by 30% as estimates and our government tells us. Hence, to make us 30% safer in our cars, we MUST wear seat belts of receive a fine. Since this law has been enacted, has the cost of medical expenses gone down because we wear seatlbetls? We are told there are less serious injuries which means less hospital stays ergo less medical expenses. So what has happened? Our insurance premiums has gone up! No relationship to being 30% safer and saving money on medical expenses – our premiums still have gone up with no discounts.
Perhaps the insurance companies lobbied our politicians for this law so they don’t have to pay as much out in claims compared to if their customers did not wear seatlbelts. I am sure this is the realty – if not, there is no reason our premiums have not gone down.
So are we to beleive that if we are less fat and eat what the government tells us, that our medical expenses will go down? And if they do, will we see a reciprocal reduction in premiums? If we save 1 billion dollars a year, will we see a reduction in premiums by the same amount (# of customers in sample area divided by the savings) hence if we have 100 customers and by our actions we save $100 per year, will each customer receive a $1 credit on their premiums per year?
I think not. What will happen is we will follow these directions and still see a continued rise in premiums. Historically i am not wrong.
If i am paying for a product, the contract is between myself and the seller – no one else. If i am paying for a product i expect the full value of the product – myself has paid for health insurance for over 30 years and have NEVER used anywhere near the value i have spent. Cant i ask for a refund since i am not using the services? I would have done better putting half the money spent on premiums in a bank account with no interest. think about it 30 years, 360 months average monthly payment of $450 =$162000.
Insurance is the most intangible items ever created. Its there IF you need it. But never returned if you do not. We have become too reliant as a society on such non-tangable items.
One final thought – a recurring thought – obama care now forces me to pay for something i don’t want – hence, is this now unjustly enriching private companies that offer insurance? I sell footballs, if obama said every American needs at least 2 footballs in their home, woudl not myself and all the other football sellers be enriched by our giovernment? Also, woudl not we as football sellers simply rais the prices because “you need it” and we have no controls as to how much it can be sold for?
besides: what is “AFFORDABLE” who decided what affordable is and how much is affordable going to cost me and you? AH yes no one has these answers because there are none![backtopost]
Julie Wilcox, Contributor
Many Americans feel entitled to eat and overeat knowing that the reality of such behavior is grim not only for them but also the nation at large. According to “Fas in Fat: How Obesity Threatens America’s Future,” by The Trust for America’s Health and the Robert Wood Johnson Foundation, if on average, every American loses about 10 pounds, we could minimize the cost of our health care by hundreds of billions of dollars.
An obesity gene very well might be the problem for some, perhaps even many who suffer from being significantly overweight; it is unlikely however, that it is reason millions of Americans cannot find the discipline to lose approximately 10 pounds. Besides the economic gains for all Americans, what does the melt away of 10 pounds mean, exactly, for every individual? It would help to prevent the onset of tremendous health issues that no one would want or choose to have, including heart disease, diabetes, a stroke, high blood pressure, and arthritis. Additionally, it would save many children from similar afflictions. Life is difficult enough without self-inflicted pain; a little effort goes a long way.
Unless Americans can nip the obesity epidemic in the butt, statistics of where the U.S. healthcare budget is headed, show that the future looks abysmal. Last year, The Lancet “estimated that if adult obesity rates continue on their current path, all 50 states could have rates above 44 percent by 2030. Thirty-nine states could have rates above 50 percent, and 13 states could have adult obesity rates over 60 percent. Though it is difficult to figure out much of what The Affordable Care Act has to offer, two programs are clear as expressed in “Most Americans May Be Obese by 2030, Report Warns.” One of Obama’s attempts to address the obesity epidemic is laid out by the Community Transformation Grants, one of the goals of which is to reduce BMI (Body Mass Index) by 5 percent (the 1o pound factor). The second is The Diabetes Prevention Program, which has illustrated that it is indeed possible to prevent the progression of pre-diabetes to diabetes.
In a few easy steps, everyone can begin the journey of weight loss.
~Don’t eat processed foods.
~ Shop for 2-3 days rather than for months at a time. Foods you can freeze and otherwise store are inherently unhealthy, and, having too much food around you invites you to overheat.
~Understand and address the fact that the number of calories you take in determines whether or not you will gain, lose, or maintain weight. To lose weight, you have to burn more calories than you eat. Become knowledgeable about how many calories you consume and burn each day; read about how many calories you can burn during different kinds of exercise.
~Eat 3 meals and 1 snack a day. Do NOT graze.
~Eliminate all soda (even diet), juice, and artificial sweetener from your diet.
~Eat out less often and avoid any and all fast food.
~Eat off of smaller plates at home; use salad plates for main courses.