Letters to America's Health Insurance Plans

Health Care for America Now members wrote over 1,700 letters to America's Health Insurance Plans. In their online forum, the insurance industry didn't even answer one. Here they are:


From:
Douglas Cohen Dear America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?
Mela London Dear America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?

Would you consider changing your business model to put peopleís health before your profits?

Will you release the full schedule of your listening tour, including dates, locations, and times?
John Davis America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?
Elizabeth Butler Dear America's Health Insurance Plans:

Will you release the full schedule of your listening tour, including dates, locations, and times?
Laina Lamb Dear America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?

Would you consider changing your business model to put peopleís health before your profits?

Will you release the full schedule of your listening tour, including dates, locations, and times?
Jennie Kelley Dear America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?
gene sacco Dear America's Health Insurance Plans:

The strain you are putting on the populatation is causing a lot of stress. Your profits come first to you but your greed will be your undoing.
drew goffard Dear America's Health Insurance Plans:


How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?
Ruth Vitale Dear America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?

Isn't it every person's right to have health care?
joyce kaye Dear America's Health Insurance Plans:
Why do I have to contact an attorney to get my insurance co. to pay my bills?
Barbara Humphrey Dear America's Health Insurance Plans:
Thanks to your business practices, American's healthcare system is sick. You have taken the practice of medicine and dentistry out of the hands of physicians and dentists and made it yours. Medical necessity no longer dictates the care that insured people will receive, leaving them poor and sicker as a result.

Your business practices leave millions under and uninsured.

You are the sickness, and American's healthcare system cannot be cured until the insurance industry is removed from the system.
Zachary Bernstein Dear America's Health Insurance Plans:

Will you release the full schedule of your listening tour, including dates, locations, and times?
Karen Schubert Dear America's Health Insurance Plans: What do you plan to do to make full and appropriate health care available to the currently uninsured?
Patti Rosenwald Dear America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?
Roger Hannah Dear America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?

Would you consider changing your business model to put peopleís health before your profits?

Will you release the full schedule of your listening tour, including dates, locations, and times?
Lynda Alfred Dear America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?
Mary Elizabeth Connelly Dear America's Health Insurance Plans:

Let's talk.

1) How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?

2) Would you consider changing your business model to put peopleís health before your profits?

3) Will you release the full schedule of your listening tour, including dates, locations, and times?

4) Do you enjoy being greedy? Makes you feel good? You know, people are more important than profits.

Sincerely,
Mary Elizabeth Connelly
Mary Lurie Dear America's Health Insurance Plans:
How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?
Tom Fineran Dear America's Health Insurance Plans:

Would you consider changing your business model to put people's health before your profits?
Jared Riley Dear America's Health Insurance Plans:

Would you consider changing your business model to put peopleís health before your profits?

- Jared Riley
John Valiulis Dear America's Health Insurance Plans:

When comparisons are made between American private-insurance health plans and the national health care plans provided in all other western democracies (e.g. Canada, Europe), one of the glaring differences is the hugely larger percent of healthcare dollars spent on adminstrative costs in the US. Would the US healthcare industry ever commit to making the radical changes necessary to get admninstrative costs more in line with what such costs amount to (percentage wise) in the rest of the western world?

John Valiulis
Lori Coulson Dear America's Health Insurance Plans:

Do us all a favor -- stop practicing medicine without a license, i.e. telling patients they can't have the treatment, medicine, or surgery their doctors recommend.

I'm surprised there hasn't been a class action suit against you. Are you aware that your actions have killed people?

Medicine and health insurance should never have been a "for profit" industry. If you really cared about the welfare of your fellow citizens you wouldn't have behaved the way you did and continue to do.

Universal health care NOT universal coverage.
Stuart Chen-Hayes Dear America's Health Insurance Plans:

Where is the data that show that America's health insurance companies provide better care at a lower cost as compared to countries that have a single payer system that eliminates the profit motive and the waste currently skyrocketing US costs?
Brian Martinez Dear America's Health Insurance Plans:

Will you release the full schedule of your listening tour, including dates, locations, and times?
Helen Anbinder Dear America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?
Melissa Simmons Dear America's Health Insurance Plans:

Do you intend to take any steps to alleviate the high cost of health care, which is the number one cause of bankruptcy in the US? If so, what will you do?
Jill Davine Dear America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?
Jay Allen Dear America's Health Insurance Plans:

1. How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?

2. Would you consider changing your business model to put peopleís health before your profits?

3. Will you release the full schedule of your listening tour, including dates, locations, and times?
Kelly Nordahl Dear America's Health Insurance Plans:
Would you consider changing your business model to put peopleís health before your profits?
Shawn Wozniak Dear America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?

Would you consider changing your business model to put peopleís health before your profits?

Will you release the full schedule of your listening tour, including dates, locations, and times?
Garald Lawrence Dear America's Health Insurance Plans:
How do you balance your need to make a profit with the health of participants in your plan?
Carol Collins Dear America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?

Would you consider changing your business model to put peopleís health before your profits?

Will you release the full schedule of your listening tour, including dates, locations and times?

Thank you!
Jason Kassouf Dear America's Health Insurance Plans:

Would you consider changing your business model to put peopleís health before your profits?
Jeffrey Kowalski Dear America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?
Andrew Jacobsen Dear America's Health Insurance Plans:

When will our elected reprewsentatives realize that single payer universal health care is the most cost effective as well as the safest for the American people?
Pat Davis Dear America's Health Insurance Plans:

Why do insurance companies cover the cost of Viagra and not the cost of birth control? It seems to me it should be the other way around. Six billion "miracles" is enough!!!
Susan Hunter Dear America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?
Toni Garmon Dear America's Health Insurance Plans:

THE AMERICAN PEOPLE DESERVE A SINGLE-PAYER
HEALTH CARE SYSTEM!!!

JUST LIKE ALL OUR GOVERNMENT OFFICIALS
AND THEIR FAMILIES RECEIVE !!!

" WE THE PEOPLE " SHOULD NOT HAVE TO BE
ROBBED BY THE CORRUPT GREEDY INSURANCE COMPANIES!!! TG
Terr Schroeder Dear America's Health Insurance Plans:

I would like to know what goals, if any, you have for including individuals and small businesses in insurance groups comparable to employer-sponsored plans in order to make coverage affordable.
James van Maanen Dear America's Health Insurance Plans:
May I ask how you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?
If you will answer that question, perhaps you will also release, in fact email me, the full schedule of your listening tour, including dates, locations, and times.
Thank you!
James van Maanen
Ann Barnes Dear America's Health Insurance Plans:

Would you consider changing your business model to put peopleís health decisions back in the hands of their doctors rather than an insurance clerk?
Brian McGee Dear America's Health Insurance Plans: Why is it that whenever I use my health insurance policy by going to the doctor and using the policy for which I am paying Premiums,
you immediately penalize me for using a product that I have paid for? My contract with the insurance provider states that if I pay my premiums, they will pay my hospital bills... so why is it that I get penalized every time my health insurance provider provides me with their end of the deal???

Sincerely,
Brian McGee
Sharon Guynup Dear America's Health Insurance Plans:

Despite your industry's huge corporate profits, insurance premiums continue to skyrocket. My partner and I pay $1,600 per month for medical insurance--which is what the Irish pay for an entire year for a private health insurance plan.

How do you intend to make medical insurance affordable and available to everyone?

Sincerely,
Sharon Guynup
Loreen Troy Dear America's Health Insurance Plans:

It is a national disgrace that over 45 million Americans have no health insurance and that the coverage that is available is often extremely expensive and not comprehensive. When did greed become the national imperative rather than decency and concern for those less fortunate? What about altruism?

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?

Loreen Troy
Michael Matteucig Dear America's Health Insurance Plans:


How do you justify your industry's skyrocketing profits when the number one cause of bankrutcy in the United States of America is health care bills, caused by your proactice of denying as many legitimate claims as possible?

Furthermore, how can you in good conscience deny health care for all of our citizens by denying access to said coverage due to your intentional implementation of preposterous costs, charges, limitations, and outright denial?


I believe you should consider changing your business model to put people's health before your profits.


You must release the full schedule of your listening tour, including dates, locations, and times.


Sincerely,

Michael Joseph Matteucig
Brian Campbell Dear America's Health Insurance Plans:

This "listening tour" is a complete joke. All you care about is lining your bank accounts. Quit embarrassing yourself and insulting our intelligence.

If you want to be taken seriously you need to take our needs seriously. Until then you have nothing of interest to share...
Mariu Suarez Dear America's Health Insurance Plans:

Why are you against people having the choice of staying with their private insurance plan if they like it or joining a public plan if they want it? Are you afraid you could not compete with a public insurance plan?
Susan Draper Dear America's Health Insurance Plans:
VHow do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?
mira furman Dear America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?
mel melton Dear America's Health Insurance Plans:

Why not show some integrity and ethical behavior and actually adopt a business model that is based on everyone's interest rather than your own greed? You would still generate profits that justify the investment, but you would also help sustain a healthy base of clients.I look forward to seeing a schedule of your tour, including locations and dates.
Scott Campbell Dear America's Health Insurance Plans:

Would you consider changing your business model to put peopleís health before your profits?

Nationalized healthcare WILL be a reality in the country. If you want to stay a part of the picture, now is the time to standardize, become not-for-profit and lower the costs to the consumer.
Margaret Alfoni Dear America's Health Insurance Plans:

Would you consider being a part of a combined private/public single payer healthcare system? How would invision this happening?
Michelle Dunlap Dear America's Health Insurance Plans:

At a time of economic hardship for many Americans, we are having trouble meeting our everyday needs. With 47 million Americans estimated to lack any health insurance at all, from their jobs or the public sector, we are causing unnecessary strain on our economy. A healthy working population is more productive and more successful than one with poor health. In light of this, would you consider changing your business model to put people's health before profits? Accidents and disease will always be present, and you will never lack for customers. However, by making the healthcare industry about health instead of money, you will be doing your part to build a stronger America.
Daniela Nunez Dear America's Health Insurance Plans:

Although the majority of Americans have health insurance, it costs too much for too little. Many Americans are dissatisfied with the lack of coverage they're receiving, and pay higher premiums and yearly deductibles that make it harder to live the American dream. In a country so wealthy as ours, we shouldn't have to worry about going bankrupt over medical bills. That's where you come in.

The insurance industry is making too much profit at the expense of hardworking Americans. Too much paperwork, too much red tape, and not enough serious examination at cost-cutting measures. It's true, the American people can play their part to prevent chronic diseases that would save the system billions of dollars. But what about people who have no choice, or who have a medical emergency where insurance is supposed to be the safeguard?

Please work with us, not against us, in trying to find health care solutions that will save the system from collapsing on the American people. You might even make enough profit to keep you satisfied.

Sincerely,
Daniela Nunez
an insurance payer in Austin, TX
Brian Gregory Dear America's Health Insurance Plans:

We need comprehensive healthcare in the US now. It needs to cover medical, dental and vision and it needs to be tax supported and single payer. In order to control costs and provide for EVERYONE private, for-profit healthcare plans must be eliminated. Currently, denial of healthcare is a primary concern of private healthcare plans and that has brought us to the pathetic state we're in today. We should have the best healthcare in the world and we're not even in the top ten.
Paul McCullough Dear America's Health Insurance Plans:

Your industry is known for denying as many legitimate claims as possible. In light of this how do you justify your industries skyrocketing profits?
Katherine Bailey Dear America's Health Insurance Plans:

It's over -- the old way of meeting America's healthcare needs. The new way will include the old businesses, or not. It won't if you don't listen, and change. It doesn't get any simpler than that.
Joe Gally Dear America's Health Insurance Plans:

Why is health insurance for working Americans becoming increasingly expensive while actual benefits and coverage get worse each year?

I don't just hear this from my friends and neighbors, I hear it from almost every health care professional I talk to.

Respectfully,
Greg Smith Dear America's Health Insurance Plans:

I would like to know if providing basic services (i.e. regular check-up, immunizations, well-baby care) and urgent care (i.e. non-life threatening medical services) to every American citizen free of charge is possible and if so, what are you doing to work toward that goal?

Sincerely,

Greg Smith
Los Gatos, CA
David McGarry Dear America's Health Insurance Plans:

Would you consider changing your business model to put peopleís health before your profits?
Frank Colletto Dear America's Health Insurance Plans:How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?

Would you consider changing your business model to put peopleís health before your profits?

Will you release the full schedule of your listening tour, including dates, locations, and times?
Wendy Oser Dear America's Health Insurance Plans:
# How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?

# Would you consider changing your business model to put peopleís health before your profits?

# Will you release the full schedule of your listening tour, including dates, locations, and times?
Beatrice Wadland Dear America's Health Insurance Plans:


Doctors should determine what tests and what medications patients have; not insurance companies.

We need some basic form of health insurance for all--similar to Medicare with supplemental coverages available at additional cost.

Too many Americans have health problems because they cannot afford hospitals or medications.
Gladys "Maria" Nockin Dear America's Health Insurance Plans:

I paid premiums to Blue Cross from age 19 to 48. I was almost never ill. Then, at age 48 I got a drug resistant pneumonia germ. I was at my home on Long Island and thought I might be better off to go to my California cabin and get more sun. I landed in the hospital there. Blue Cross dropped me because I came from out of state. I ended up with a hospital bill over $200 thousand and lost both my homes.

We need low cost insurance for every American that will be there for them when they are ill in any state. The premiums should be on a sliding scale based on income.
Rene Siracusa Dear America's Health Insurance Plans:

It's time for you to address why many medical procedures aren't covered by health insurance and why it's more affordable to travel to another country to have the procedure at an affordable rate...that INCLUDES travel and lodging expenses! How does that make the US one of the best countries in the world?

This is as much a problem with the insurance industry as the greedy hospitals double and triple charging and profitting.
Margaret Welke Dear America's Health Insurance Plans:

I do not believe that health care should be a "for profit" business. Talk about a slippery slope. The easiest way to make money in insurance (health, auto, home) is to ask for payments, but make sure there is always a reason or some small print or a convoluted policy that no one can understand that will ensure that the companies never have to actually insure a person when they need it. We see this happening everyday.

Additionally, there are numerous healthcare models, like witzerland, Thailand, and France that we as country would do best to emulate.
Judy Biedenbach Dear America's Health Insurance Plans:

I'm curious. I'm 56 years old and I pay for my health insurance out of my own pocket. What I pay is something just shy of $4,000 a year in premiums. If I visit the doctor three times a year, that's a lot. So, on top of my co-payment, each of my doctor's visits is costing me roughly $1,333. My policy also covers all sorts of things that I will never use, maternity benefits, for one.

Naturally I'd prefer if my premiums were simply lower, but I don't see that happening. BUT, how about a rebate for those of us who don't abuse the system and run to the doctor's office or the Emergency Room every time we have an itch or a hangnail?

Just a thought for you to consider.

Judy
margaret spak Dear America's Health Insurance Plans:

What is your appeal process when a claim is denied? How many denied claims do you review on "appeal"? Of those denied claims how many do you actually then reimburse based on appeals?
Lianda Ludwig Dear America's Health Insurance Plans:
Why in the world should health care be "for profit"? Why in the world should an administrator, who is NOT a trained doctor, be able to overrule tests that a doctor orders for the best care of their patient? Why in the world should a company be able to deny covering ANY person with ANY medical condition. Health Care is a HUMAN RIGHT - and should NOT be a privilege!
Kelli Baker Dear America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?
Ernest Wright Dear America's Health Insurance Plans:

You are simply making money, not providing a system that supports health care for your premium payers.

You know it.

We know it.

Get into another business tomake money and let the health service needs of our country go to non-profits.

This would lower costs and provide a better long term future for you as well.

Your day is over - buggy whips went by the way side and so will you.

Do the right thing and move on.
s Klukas Dear America's Health Insurance Plans:


1) Would you consider changing your profit plan to include caps on all expenses. To run it more like a program that is to help people not make millions in income for the few and also stop denying legitimate claims?
Mark Anderson Dear America's Health Insurance Plans:

One would assume that the purpose of health care is to ensure that all citizens have access to affordable, quality, preventative care. After all, if all citizens are not covered, public health is put at risk due to the spread of diseases by populations that are not vaccinated nor capable of paying for even the most basic of health services.

So my questions for you are this:

1) How can you justify the current system of health insurance if your industry is gathering high profits while not actually contributing to the above purpose of health care, due to the consistent denial of legitimate claims and the forced bankruptcy of a mass of Americans due to their inability to pay for rising costs?

2) How are you and your colleagues attempting to address the increasing disparity between your profits and the health of citizens?
Jill Boutiette Dear America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?

Would you consider changing your business model to put peopleís health before your profits?


Will you release the full schedule of your listening tour, including dates, locations, and times?
Susanne Madden Dear America's Health Insurance Plans:

It would appear that most healthcare insurers are not managing care, but rather are managing the money. What is the value of managed care these days, when the end result seems to be less reimbursment for the providers of care, poor health outcomes as identified by WHO annually, but plenty of profit for insurers? What are insurers doing to make sure that adequate reinvestment is going in to society's well being? It's time for insurers to justify the profit-taking . . .
Chad Bobren Dear America's Health Insurance Plans:

What is more important to you, peopleís health or your profits? If people's health is the answer, why do you deny so many claims?

Thanks,
Chad
Jeanne St.John Dear America's Health Insurance Plans:

Long after procedures are in the mainstream of medical practice, health insurance companies categorize them as "experimental" or "investigational" as a way to deny coverage. Because of this practice I was forced to spend an additional 8 months in severe pain before an external review organization found in my favor and the surgery was scheduled.

When will your coverage match real life medical practice?
Bonnie Gorman Dear America's Health Insurance Plans:

Health care should not be a profit-making service. How can you justify making money at the expense of patients who's legitimate claims you have denied?

You have an ethical and moral obligation to provide comprehensive health care to all, not just to some.
Barry Ergang Dear America's Health Insurance Plans:

Many people avail themselves of health care plans, faithfully paying their premiums monthly, bimonthly or quarterly. Yet if they eventually require hospital stays and/or expensive treatments, you raise their rates.

Why do you penalize them?

I realize your only profitable customers are the healthy ones, but if your business is to help people, whether healthy or unhealthy, avoid massive bills, how do you justify raping them when it comes to premiums?
Amy Harlib Dear America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?

Would you consider changing your business model to put peopleís health before your profits?

Will you release the full schedule of your listening tour, including dates, locations, and times?
Patrick Gallagher Dear America's Health Insurance Plans:

As a retired person, on a very fixed income, I find it unreasonable that my healthcare costs are the largest expenditure that I have monthly.
Between the amount I have deducted from my meagre social security check for Medicare and the monthly premiums for health and dentistry, I am overwhelmed. Added to that I also pay an additional amount for Prescriptions above my Part D coverage.
Where is this going to end? This is criminal!
David Fornear Dear America's Health Insurance Plans:

How can a 50 year old man, on a fixed income, continue to pay over $500.00/month thru state sponcered insurance? (Kentucky Access). The rates really jumped when I turned 50 and will only continue to rise. I have to maintain some type of insurance, with a pharmacy rider.
Richard Jewell Dear America's Health Insurance Plans:

How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?

Would you consider changing your business model to put peopleís health before your profits?

Will you release the full schedule of your listening tour, including dates, locations, and times?

Thank you for your time. Please respond in a timely manner.
Thomas Roberts Dear America's Health Insurance Plans:

How do you justify the huge profits that many insurance companies have seen recently and what link do you see between these profits, the high number of medical bankruptcies in the U.S., and our nation's 47 million uninsured individuals?

Thank you!
Thomas Roberts
Betty Smith Dear America's Health Insurance Plans:

The amount of money that insurance companies
spent is questioning if the person has an
legitimate illness by their standards.
thomas tague Dear America's Health Insurance Plans: i believe that the healthcare industry needs to be nationalized andthe profit motive needs to be taken out of this equation. when will the insurance industry ever work with that model?
listening tour is a sham propaganda tour of the insurance industry, if they listened they'd know america is suffering because of them. we can't afford your product and won't be buying it much longer. if i have my way. fuck the health insurance industry and their listening tour. that they care is a lie. don't be fooled
CLYDE GEORGE Dear America's Health Insurance Plans:
It is every american's right to quality, affordable health care. So do what has to be done to allow that. First of all, eliminate greed. In fact, that is all that is necessary to fix it. Thank you.

Sincerely YOurs,

Clyde George
Roberta Gibboney Dear America's Health Insurance Plans:

How can the health care providers and health insurance companies work together to ensure that the millions of Americans -- including many working Americans -- who don't have access to affordable health care will have it?

How can the system be changed so that it encourages individuals and families to use less expensive options and preventive care rather than using hospital emergency rooms as "primary care providers"? For example, I have a 29-year-old daughter who is the single mother of two preschoolers. She is working 3 jobs but still qualifies for government-supported health care. That has been an improvement over no health care, but the crazy thing is that when her 3-year-old has an ear infection flare-up after office hours, she has to go to the hospital emergency room for him to be seen instead of a nearby "immediate care" facility. That just doesn't make sense! It has to be more expensive for the system to send her to the hospital.
Lisa Benham Dear America's Health Insurance Plans:

I have seen too many stories about one accident bringing down a whole "secure" lifetime of work and planning, due to the cost of health care - and these are insured people. I'm already choosing between insurance and tuition, and other basics, because insurance doesn't even seem to be that anymore. How can we make insurance work as it once did, and still does, in all other industrialized nations? If basic health care distribution isn't a human rights and equity issue that speaks to us as a community, than what is?
Debra Brown Dear America's Health Insurance Plans:

You should be ashamed of yourselves. How do you justify your industryís skyrocketing profits when the number one cause of bankruptcy in America is health care bills, caused by your practice of denying as many legitimate claims as possible?

Unless you are willing to consider changing your business model to put peopleís health before your profits, your efforts with this tour is a waste of time and a joke.

If you are not afraid to confront the above two issues, will you also release the full schedule of your listening tour, including dates, locations, and times?