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If insurance can't protect you from going broke, why buy it at all?

To The Daily Sun,

I am so enjoying the health insurance debate going on now, because it has been so entertaining. It is amazing how our president can take something that has always been rather dull and boring, and turn it into a national crisis. I'm also paying close attention to the details of the Affordable Care Act and comparing what they are offering to the insurance plan that I have with my employer. I went to the government website and actually got a lot of information including descriptions of different plans and what benefits they provide.
I can tell you from my personal experience after going through some huge health problems myself recently, that the care that I received from the doctors and the staff at LRGH was first class and they literally saved my life when I had emergency surgery on my guts in January 2012. That included a total of three major surgeries, over four weeks of hospitalization including a week in intensive care, and several months home care provided by the Central NH VNA who were absolutely wonderful. Such professional services do not come cheap, however, and Anthem Blue Cross also came through for me. My plan has a three thousand dollar deductible per year, so even though I had run up a bill of over $350,000 over that time, my portion was only $6,000 plus some co-pays, which is normal. That is affordable. My plan costs about $400 a month but my boss pays 60 percent and I pay 40 percent. It's a lot of money but it sure paid off for me. You can see how a sudden illness could plunge you into impossible debt very quickly without good health insurance.
Now let's compare that to the plans that are being offered by the "Obamacare" insurance exchange. I found three basic tiers of coverage, Bronze, Silver and Gold although the Gold Plan was not available to me for some reason. There is an informational attachment that calculates your premiums and what benefits you receive. There is no deductible but instead they pay a percentage and you pay the rest. The Bronze plan pays 60 percent. The Silver plan pays 70 percent. Sure it costs less than the insurance I have now but if I had their best plan it when I got sick, I would have received a bill for 30 percent of my grand total, over $100,000! Hey, I don't know about you, but for me, at my age, there is nothing "affordable" about that! We would have been broke for the rest of our lives and instead of a comfortable retirement, I would probably have to work until I died, leaving my debt for my wife to pay.
I hope that I haven't bored you too much with my story, and fortunately most people won't get what I had. Still, when you buy insurance that will not protect you from going broke if you do get sick, why buy it at all? What's the difference if you owe $100,000,or $350,000, or even a million, If you don't have the money? The result is the same, you lose everything. And if I had been forced into such a plan by the government against my will, I would be very bitter about it as you would to. Check it out for yourself and if I have this thing all wrong, I would like to know how.

Alan Moon

Tilton

Last Updated on Friday, 01 November 2013 10:27

Hits: 208

No interview program can assure public its guests wil not lie

To The Daily Sun,

Last week I challenged anyone to give an example of Fox News lying and Robert Moran of Meredith took on the challenge. Nice work Robert, your research was well done and impressive and I give you points for trying, but only because Hannity is an annoying, demagogue, right-wing kind of guy who failed to vet his interviews properly. Your standards of implied purity are unattainable by any news outlet in the world. No interview program can assure the public that it's guests will or are telling the truth, not misleading or outright lying. No programing can be condemned for the words or actions of outside sources — that's ridiculous.
Steve Earle

Hill

Last Updated on Friday, 01 November 2013 10:22

Hits: 248

Shelters are full & winter is coming; where can the homeless go?

To The Daily Sun,

I would like to have a question answered. Where can homeless go?

Everyone says they know but no one has an answer. I have asked everyone from the chief of police to the city manager to the mayor, but no one can give me an answer. Why are we treated like we don't exist?

The city plays head games with us. One moment we can stay, the moment we stay they tell us we have to go.

The shelters are full and winter is coming. If you don't want another death, please answer this question. Nobody seems to understand that homeless people tend to die in the cold. Anyway, please give me an answer.

Bruce Gimas

Laconia

Last Updated on Friday, 01 November 2013 10:19

Hits: 220

L.R.M.H.V. Co-op grateful for donations to our annual meeting

To The Daily Sun,

I would like to thank the following businesses that donated prizes to be awarded at recent L.R.M.H.V. Co-op annual meeting. The door prizes donated by Beans & Greens, Funspot, Lakeside Restaurant, and T-Bones Restaurant were sincerely appreciated by all. Please patronize these local businesses frequently as they do care about and invest in the communities they serve.

I would also like to express my appreciation to Betsy Lindlau and Barbara Whitaker, members of our co-op, for also donating beautiful craft items for our door prizes at the meeting.

Nancy Price

Gilford

Last Updated on Friday, 01 November 2013 10:16

Hits: 177

Those who lost their lives in Korea will forever remain our heroes

To The Daily Sun,

Although we salute the "Marine Corps Birthday Event" story in the October 24 issue, the reference to the Korean War as the "Forgotten War" belittles the sacred number of U.S. Armed forces personnel loss during this 3-year war. Department of Defense figures report that 33,629 U.S. service personnel were killed and 103,284 were wounded as we eventually chased the North Korean forces and saved the South Korean country.

Our troops, air and naval forces also, for the the first time, defeated international communist forces. Maybe it will never be a total victory, but the memories of those who courageously served and those who lost their lives will forever remain our heroes.

Bob Desmond of Nashua, a member of the New Hampshire Veterans Association and the National KWVA council reports that a major campaign is underway to raise funds for a world-class museum in New York City honoring Korean War Veterans.

More information is available at www.kwnm.org.

Hugh Baird

Laconia

Last Updated on Friday, 01 November 2013 10:09

Hits: 237

 
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