With extensive work with private health insurance carriers on behalf of my clients, I have never had one client denied health insurance coverage on a medical insurance claim. My clients may have had to pay additional out of pocket expenses in addition to a deductible and appropriate co insurance arrangements, but with communications between the providing physician, the hospital, the carrier and the client.. operations and treatments were done and people were serviced and cared for. That will not be the case with a public option or with the not for profit co ops. Government will decide who lives and who dies.
The Government gave the finger to the American public when they started passing unfunded mandates on private businesses back in the 80's and the response from the states requiring certain conditions be covered as any other illness made more and more carriers to exit the marketplace. Couple that with the abject failure of any meaningful tort reform, and you have trial attorneys like John Edwards channeling a stillborn to tens of millions of dollars in awards that are cost shifted to the employers and their employees in their premium increases.
