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Hi Marshall,

Why is it that doctors will allow for a discount when an individual doesn't have health insurance? My wife is 64 and, therefore, doesn't qualify for Medicare. I got her "health insurance" about a year ago from Federal Life. The premium was $271 which is a good deal nowadays. However, the insurance company didn't tell me that it only covered $100 a day for hospitalization. Therefore, it was useless for doctors visits or for preventive care.

She recently went in for a colonoscopy and I found out that the "health plan" I got for her was worthless so the premiums I paid for were really for naught. I called them and cancelled the "coverage" telling them that they're takers and not givers.

Since then I got a health plan through Obamacare and am paying $363 for the plan which actually covers not only for preventive care but also dental and vision which is a big plus.

My question is two-fold: how can we eradicate phony insurance policies from the landscape and why can doctors give a "discount" to those who don't have adequate coverage?

The US Congress and Senate are nothing but puppets for the health insurance industry. We are a laughingstock in the eyes of nations who provide good health coverage through Universal Healthcare. It's not right for the US to keep going in a direction of denying good health coverage through taxation. We already have Social Security and Medicare through taxes, so we already have socialism that provides these benefits for those who qualify. There is nothing wrong with socialism when you see other countries such as Canada and those in Europe who have embraced socialism for the benefit of those who need medical assistance. I know of a person who moved from the US to Canada about ten years ago and while living in Canada he developed a brain tumor. He commented that he was totally covered by Canada's National Healthcare system. If he stayed in the US he would have been bankrupted.

Just a few thoughts!

Thank you!

Bill Denert

Cromwell, CT

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