It's No Wonder We're in This Mess....

IndyAgentIDTMY

Super Genius
100+ Post Club
The more I think about this whole mess, I can't help but want to identify one underlying cause to most of it; a large portion of the general public is A) stupid, and B) does not want to be held responsible for anything.

Here are a few verbatim quotes from prospects in recent memory to illustrate my point;

"Pay for my own insurance? Why the hell should I have to do that? I got new rims on order and that's gonna tap me out!"

"These doctors are the problem...they want to charge me $75 to look and me and I know it don't cost him that much!"

"I keep hearin' we should live a healthier lifestyles, but I say why is it anyone else's business what I do? Abortions legal cause they can't tell women what to do with their bodies so why is this okay?"

"$150 a month for health insurance is way too high, dude. I'll just take my chances and if somethin real serious happens, I'll put everything in my brothers name and file for bankruptcy! Mannn, the capitalist pig hospitals have boatloads of cash so they can afford it!"

I know I have more, but meanwhile can anyone else share a few jewels?
 
From an 18 year-old mother of 2 (both less than 3 years old):

"Why would I buy disability insurance for $11 every two weeks? If I get pregnant or sick, my daddy will take care of me!"

Me: "Does he know that?"

Her: "Well, no, but why wouldn't he?"
 
ME: Do you currently have health insurance?

Prospect: No. Well, I did.

Me: What happened?

Prospect: Well, the insurance company wanted too damn much money!

Me: How much were they charging you?

Prospect: A lot! $150 a month to cover both my kids!

Me: And when did you cancel the policy?

Prospect: 2 months ago.

Me: Goodbye and don't call me back, ya hear?
CLICK.
 
ME: Do you currently have health insurance?

Prospect: No. Well, I did.

Me: What happened?

Prospect: Well, the insurance company wanted too damn much money!

Me: How much were they charging you?

Prospect: A lot! $150 a month to cover both my kids!

Me: And when did you cancel the policy?

Prospect: 2 months ago.

Me: Goodbye and don't call me back, ya hear?
CLICK.

This scenario sounds all too familiar....I must talk to the same person a few times a month!
 
What always amazes me is the prospect has no clue of the real cost of health insurance. They always assume that their employee portion is the total cost and they should be able to get a full blown health insurance plan for the same price. I used to work around the Metro Detroit area and get some of the big union workers coming off their company health plan which still had a $2 drug card, and a $250 family deductible that they didn't pay much for. They would freak when the COBRA amount was $1800 a month. I think the employers need to put something on the pay stubs that show the employer cost, of the benefits, just so the employees know how much they really are making besides their hourly wages.
 
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