That is pretty much what private insurance has offered up to many confronted with catastrophic illnesses. And now we discuss a public health insurance plan as if the mess is a game to win or lose and not a real need for choice to level out the playing field for middle class Americans struggling to hang on. The funny part about using seniors to protest against improved health care insurance is just too ironic to pass up. They have dream coverage. You should be so lucky...and you could be. But that is your choice and choice is a beautiful thing.
Where the senior health care and health insurance do overlap is in the details. For most non-seniors, Healthcare treatment currently is as governed by insurance as it is by doctors. It will be wonderful to have private and public insurance not interfere with a doctor and family decision as the seniors have. The only working insurance I have seen to date is their public program. Medicare covers seniors and allows an over and above insurance that covers in cost not picked up by Medicare. If you lived in California and had cancer as you signed up for it, you would be accepted because that is part of the requirement in mixing private business with public. So you get private companies you probably belong to already, charging less and covering more and not turning down anyone with anything. You can sign up in the middle of a heart attack but that 2 week waiting period would be a killer. If you worked and had Kaiser and then retired, you can pick Kaiser as your Medicare supplement insurance and see your same doctors. Public works well with private and I hope they continue to model this after this public program because lives can be saved by both public and private insurance working together. That part is unclear so some aspects may well go to bid. Know how much Californian retirees pay per month for that full coverage? When last I checked by asking a new retiree relative how much she paid, she said $80 something a month that comes out of her retirement check. Their public insurance is better than anyone else can ever expect to have without change.
Currently if your doctor recommends a treatment and your insurance says no, you go away or beg for dollars on TV if they want to broadcast your plea. Of course you can sell every asset and qualify for government help but then that is a public program and less efficient, though free. We can't hide from the many people who are suffering due to the current health insurance small print. Unfortunately we all find out in the middle of a health crisis that our insurance was never meant to protect us from anything but less intrusive ailments. When you get into the big health problems you find out fast what the patient care portion actually means with staggering, bankrupting bills. If you do experience a disease and are covered you are then screwed because no one will touch you if you want to switch jobs or insurance. You can be dropped. Seniors don't experience these issues we all live with. They are the most medically protected people in the US if they are qualified for the public program.
So can private insurance do what public insurance can? Of course. They always could. In fact they do as is shown by their contract with public medicine. The point in all this is you never demanded it so you never got it. Now you think your job is to protect private insurance from choice. They made a choice and they opted to cover every single senior who requested service with better coverage for less than you have thanks to a public program that made it happen.
So you? Just go away. You don't deserve the basic care of seniors. Maybe you can make it to 65 and qualify for the public program and finally have good insurance. Or maybe not. Why the hell do you think they are so scared to lose something? They won't lose their public program but it is a genuine fear many have because that is how it is presented to them. You see they can't get private coverage. One day private insurance will turn you down so try to hold on until you qualify for a public program. Good luck.
Think this is just a game? Wait until you are the one caught in the middle. One day a doctor may turn to you and say tag you're it because there comes a time in everyone's life where reality meets fantasy. It doesn't matter how you stand on this issue but it does matter that you understand what is before you and that the choices you make will more likely than not impact you one day in a nightmare you never quite understood until it is your turn to fight with the system we currently have. We do deserve better so the question is whether we feel we do.
It should be noted that according to government charts 1.5 million foreclosed homes are due to medical bills. That is a crime.