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	<title>Patient Power Now &#187; critical illness insurance</title>
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	<link>http://www.patientpowernow.org</link>
	<description>Because your health care is too important to be left to politicians.</description>
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		<title>It’s Not Health Care ‘Reform’; It’s Exploitation</title>
		<link>http://www.patientpowernow.org/2010/07/health-care-reform-exploitation/</link>
		<comments>http://www.patientpowernow.org/2010/07/health-care-reform-exploitation/#comments</comments>
		<pubDate>Thu, 22 Jul 2010 13:54:51 +0000</pubDate>
		<dc:creator>Brian Schwartz</dc:creator>
				<category><![CDATA[myths & fallacies]]></category>
		<category><![CDATA[Policy - National]]></category>
		<category><![CDATA[PPC]]></category>
		<category><![CDATA[autism]]></category>
		<category><![CDATA[critical illness insurance]]></category>
		<category><![CDATA[HR 3590]]></category>
		<category><![CDATA[mandated benefits]]></category>
		<category><![CDATA[mandatory insurance]]></category>
		<category><![CDATA[Paul Krugman]]></category>
		<category><![CDATA[single payer]]></category>
		<category><![CDATA[uninsured cost-shift]]></category>

		<guid isPermaLink="false">http://www.patientpowernow.org/?p=3169</guid>
		<description><![CDATA[Scratch a health care “reformer” and you’re likely to find a health care exploiter. To stop health care exploitation we must address the root issue: the nature of rights and the purpose of government. <a href="http://www.patientpowernow.org/2010/07/health-care-reform-exploitation/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>Pajamas Media has published my article on <a href="http://pajamasmedia.com/blog/its-not-health-care-reform-its-exploitation/?singlepage=true">health care exploitation</a>. It begins:</p>
<blockquote><p>Scratch a health care “reformer” and you’re likely to find a health care exploiter. As <span class='bm_keywordlink'><a href="http://www.cato.org/bad-medicine/">ObamaCare</a></span>’s <a title="provisions" href="http://www.kff.org/healthreform/8060.cfm" target="_blank">provisions</a> and <a title="taxes" href="http://www.heritage.org/Research/Reports/2010/04/Obamacare-Impact-on-Taxpayers" target="_blank">taxes</a> begin and resistance builds through <a title="lawsuits" href="http://www.patientpowernow.org/tag/obamacare-lawsuit/" target="_blank">lawsuits</a> and <a title="state-level meaures" href="http://www.alec.org/AM/Template.cfm?Section=ALEC_s_Freedom_of_Choice_in_Health_Care_Act&amp;Template=/CM/HTMLDisplay.cfm&amp;ContentID=13481" target="_blank">state-level measures</a>, it’s important to see the exploitative motives driving increased political control of your medical care. Health control advocates won’t stop with ObamaCare (<a title="HR 3590" href="http://www.opencongress.org/bill/111-h3590/show" target="_blank">HR 3590</a>). “Once we kick through this door, there’ll be more legislation to follow,” <a title="said" href="http://www.washingtonexaminer.com/opinion/blogs/beltway-confidential/Pelosi-Once-we-kick-through-this-door-more-reform-will-follow-87741467.html" target="_blank">said</a> House Speaker Nancy Pelosi.</p>
<p>Whether health control supporters demand that all policies include certain benefits or that everyone must buy government-approved insurance or something like “<span class='bm_keywordlink'><a href="http://www.downsizinggovernment.org/hhs/medicare-reforms">Medicare</a></span> for all,” the policies don’t follow from the alleged justifications for them. But they do follow from one motive: <a title="charity at gun point" href="http://www.huffingtonpost.com/brian-t-schwartz/questioning-your-compassi_b_574030.html" target="_blank">charity at gunpoint</a>. That is, forcing you to finance other people’s medical care. This is exploitation.  It’s about time freedom advocates reclaim this term often misused by the left, as so-called health care “reform” is a clear case of exploitation.</p></blockquote>
<p>Read the whole article: <a href="http://pajamasmedia.com/blog/its-not-health-care-reform-its-exploitation/?singlepage=true">It’s Not Health Care ‘Reform’; It’s Exploitation</a>.</p>
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		<title>Critical illness insurance for autism: only in Canada?</title>
		<link>http://www.patientpowernow.org/2009/05/critical-illness-insurance-autism/</link>
		<comments>http://www.patientpowernow.org/2009/05/critical-illness-insurance-autism/#comments</comments>
		<pubDate>Thu, 14 May 2009 07:30:56 +0000</pubDate>
		<dc:creator>Brian Schwartz</dc:creator>
				<category><![CDATA[regulation]]></category>
		<category><![CDATA[autism]]></category>
		<category><![CDATA[Colorado SB 244]]></category>
		<category><![CDATA[critical illness insurance]]></category>
		<category><![CDATA[Linda Gorman]]></category>
		<category><![CDATA[mandated benefits]]></category>

		<guid isPermaLink="false">http://www.patientpowernow.org/?p=864</guid>
		<description><![CDATA[In a previous post about Colorado SB 244&#8242;s mandated autism benefits, I asked why insurance companies could not offer a product that insured parents against the costs of autism treatments should their child be autistic.  It could be a separate &#8230; <a href="http://www.patientpowernow.org/2009/05/critical-illness-insurance-autism/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>In a previous <a href="http://www.patientpowernow.org/2009/04/09/sb-224-autism-spectrum-disorders/">post</a> about <a href="http://www.leg.state.co.us/Clics/CLICS2009A/csl.nsf/BillFoldersSenate?openFrameset">Colorado SB 244&#8242;</a>s mandated autism benefits, I asked why insurance companies could not offer a product that insured parents against the costs of autism treatments should their child be autistic.  It could be a separate product from their medical insurance.  When I mentioned a <a href="http://www.ing.com.au/public/v6_public_12903.asp">similar product</a> to <a href="http://www.statehousecall.org/linda-gorman-3">Linda Gorman</a>, she pointed out that it resembled what is called &#8220;critical illness insurance,&#8221; which I&#8217;d never heard of.  <a href="http://en.wikipedia.org/wiki/Desjardins_Financial_Security">Desjardins Financial Security</a> of Canada (!) offers what they call &#8220;<a href="http://www.dsf-dfs.com/en-CA/NtrCmpgn/SllPrss/SllPrss/ArchvsCmmnqsPrss/Archvs2006.htm">Harmony New Generation</a>&#8220;:</p>
<blockquote><p>Harmony New Generation will <strong>pay a lump sum amount to the parent</strong> of a child who has just been diagnosed with one of the critical illnesses covered under the contract &#8230; they have the option of using it as replacement income while they take care of their child, hire someone to mind their other children or take care of their home, make a dream come true for their sick child, or even pay for a trip abroad.</p>
<p>In addition to the 25 illnesses covered by the Harmony critical illness insurance for adults, which includes cancer, and the coverage for the serious complications caused by four infectious diseases, including West Nile virus, Lyme disease, E. coli infection and flesh-eating disease, <strong>the new product covers three childhood diseases</strong>: cystic fibrosis, <strong>autism</strong> and Rett syndrome. Coverage for type 1 diabetes (diabetes mellitus), cerebral palsy and muscular dystrophy is optional.</p></blockquote>
<p>Industrial Alliance Insurance &amp; Financial Services also offers a <a href="http://www.inalco.com/english/group/group-insurance/benefits/critical/critical.jsp#4">similar product</a>.  But guess what, it&#8217;s also Canadian?  Is such a product available in the U.S.?  Do add a comment if you know of any.</p>
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