Hiya!
I didn't call anyone freeloaders but was "scolded" with a "how dare you"
People, including yourself, are mixing up a whole lot of apples and oranges trying to make grape juice.
The article was about people dropping their meds entirely when offered a tiered plan with lower copays for generics and higher ones for brand drugs. You took that as an opportunity to complain about your own circumstance where you have to actually pay a co-pay for your medicines.
Dave, "insurance" that "pays for" chronic medicines is not insurance at all. If you routinely take $300/month in prescription meds, and your co-pays are $100/month, that means that OTHER PEOPLE are paying for YOUR prescription drugs. Either that is your employer's portion of your premiums or other people's premiums, because insurers are not in the business of paying out more than they take in.
Now everyone wants government to either control the prices of prescription drugs which would be disasterous, or subsidize the cost. Well, at some point, my generation and the ones thereafter are gonna reach the point where we can't sustain it.
You don't expect your auto insurance to cover oil changes, the brake pads, radiator flush & fill, tire changes, etc. These are reasonably expected and hopefully planned for expenses. Same for the "life saving" medications you apparently need to sustain yours. If someone genuinely cannot afford them, most if not all of the states, some companies, etc., already offer assistance. At some point a little realism as to what another person should be expected to pay for someone else's medical care is in order.
If prescription drugs and routine medical care were routinely NOT covered by "insurance", then the market would stabilize at prices that are affordable to most. There will always be those who either can't or choose not to afford care, but if we don't get off this tack geared at them, nobody will be able to afford it pretty soon.
I think Neal Boortz is right when he opines that the Dems really want this to happen so they can say "see I told you so" and in rides government to the rescue to destroy what's left of the healthcare system.
Evie 