Originally posted by: Ausm
Originally posted by: fisheerman
Actually it isn't a racket it is a business. They are in it to make a profit while providing a service that people want. You can very easily self insure and go it alone.
Odds are you will come out ahead if you invest well and don't have any major health setbacks
I classify it as legal extortion due to the Anti-trust law they enjoy.
Extortion. Are you kidding? You do know that you don't have to have health insurance? at least not yet anyway.
Not if you borrowed the money from a bank you can't because they require it!
If you self finance or own your home then yeh you can go without fire insurance.
If it burns down then its on you!
Originally posted by: fisheerman
Actually it isn't a racket it is a business. They are in it to make a profit while providing a service that people want. You can very easily self insure and go it alone.
Odds are you will come out ahead if you invest well and don't have any major health setbacks
That is the problem. American's health shouldn't be a business where profit rules all.
Originally posted by: shadow9d9
Originally posted by: fisheerman
Actually it isn't a racket it is a business. They are in it to make a profit while providing a service that people want. You can very easily self insure and go it alone.
Odds are you will come out ahead if you invest well and don't have any major health setbacks
That is the problem. American's health shouldn't be a business where profit rules all.
So what should it be a government run entity? Been to the DMV lately?
No thanks
jonks
Lifer
- Feb 7, 2005
- 13,918
- 20
- 81
Er, the point is your definition of freedom doesn't exist anywhere and never has in any civilized society. Part of the price of living in a civilized society is a sacrifice of unqualified freedom. As to calling mass transit a "problem", do you have any idea what major metropolitan areas would look like if there were no mass transit? You think rush hours are bad now?
Would this be different than buying a plan from ehealthinsurance? Are all of those plans going to be individual ones?
shira
Diamond Member
- Jan 12, 2005
- 9,500
- 6
- 81
This is true as far as it goes. The problem is that HIPAA continuation coverage is typically NOT transportable. For example, if you exhaust your 18 months of COBRA and transition to HIPAA continuation coverage in your state (typically a "pool" type plan with high deductibles, relatively high cost, and lots of limitations), if you then move to another state, you probably can't get immediate coverage, if any at all.
I live in MD, and there's a waiting list for the state pool for non-HIPAA-qualified individuals. And in Virginia, if you aren't HIPAA-qualified, you can't get into the state insurance pool at all. Which means that if you have a pre-existing condition and move to Virginia, you are probably screwed insurance-wise, unless you can get a job with group coverage.
Imagine a situation where Person A, who has a pre-existing condition covered by HIPAA continuation coverage in State X wants to marry Person B, who has a pre-existing condition covered by HIPAA continuation coverage inin State Y. Oops. Guess they can't live together.
shira
Diamond Member
- Jan 12, 2005
- 9,500
- 6
- 81
Not to mention: HIPAA continuation coverage is about as lousy as health insurance can be. The networks are often VERY limited, with many smaller communities lacking any providers at all. The cost is very high for what you get, and the deductibles are typically very high. HIPAA is safety-net coverage, not the coverage most of us would choose if we had any other options.
My sister lives in New Mexico, and she has HIPAA continuation coverage. For almost any specialist visit at all, she will need to travel to Albuquerque because there are no in-network specialists where she lives.
dawp
Lifer
- Jul 2, 2005
- 11,347
- 2,710
- 136
you're so full of shit spidey, how do you explain something like this:
http://www.thedenverchannel.co...h/21348145/detail.html
http://www.thedenverchannel.co...h/21348145/detail.html
Why is it that health care reform opponents so often make this kind of comment as though it has any relevance to the discussion?
Why don't you ask Veterans who have actually used the VA whether they would prefer the care organized as their relatives get it? Or, ask how many 50 somethings who are caring for parents covered by Medicare whether they would prefer that Medicare was dissolved?
And as far as the DMV is concerned, almost all of our transactions with the DMV are online. I did have to appear in person for a matter today so I made an appointment 10 days ago. I had a 12:00 appointment, checked in 15 minutes early and was back in my car at 12:02. What's not to like about that?
Yep, that's just what everyone needs...another person involved in the process. An insurance broker gets commissions from the insurance company, whose premiums include allowance for his work. IOW, we need more overhead that doesn't contribute anything to actual care.
Not all of us have rich mommies who pay our bills, whitey07. COBRA is an absolute scam. No wonder you like it.
No amount of information will wake up the people that want to believe that any reform is evil and the status quo is working. Sadly, the only thing that will wake these people up is when they too face these problems.
And that's the sad reality of insurance. You don't know it until it's largely too late, and too great a population in the US is without the ability to rebound.
I always hate to say, "Well, I know this because...", but honestly, my company has processed over 100 million claims in the past 16 months alone. The amount of things we learned in doing so is both sobering and terrifying, and it's especially so when you have family or friends that have been affected. I could go into specifics, but what's the point? People will believe their ideologies over anything else.
But most people know next to nothing about how the healthcare industry, payors and providers, actually works; hell, half the people in the industry don't even understand it. The amount of processing that occurs before a claim decision even hits the doctor goes through potentially a dozen hands, including different companies. Each one gets a decision on the claim, potentially negotiates a reduced rate, risk analysis, etc. etc.
And that's the sad reality of insurance. You don't know it until it's largely too late, and too great a population in the US is without the ability to rebound.
I always hate to say, "Well, I know this because...", but honestly, my company has processed over 100 million claims in the past 16 months alone. The amount of things we learned in doing so is both sobering and terrifying, and it's especially so when you have family or friends that have been affected. I could go into specifics, but what's the point? People will believe their ideologies over anything else.
But most people know next to nothing about how the healthcare industry, payors and providers, actually works; hell, half the people in the industry don't even understand it. The amount of processing that occurs before a claim decision even hits the doctor goes through potentially a dozen hands, including different companies. Each one gets a decision on the claim, potentially negotiates a reduced rate, risk analysis, etc. etc.
Ahh, racism. The last resort of a liberal. My mom will have been dead 6 years coming this December after a tremendous amount of care paid for by her health insurance. I've shown how pre-existing conditions are still covered, so that point is dead.
Ah, the "liberal..." card. Last resort of a money worshiping sociopath. Why did your mom have insurance when she made enough to pay out of pocket? She didn't have any savings? I hope she wasn't drawing SS either.
You don't seem to understand the concept of "pooled risk". Do you have insurance? If so, then you're already paying for others' care. My last round of medical bills was around 50 grand, and I damn sure didn't pay that much in premiums. Where else do you think the money came from?
Could you elaborate on this? I would be interested to know what your experience was like working with the claims.
I always love the bootstraps speech from spidey, I'm sure someone who lives off the work of others has valuable information to share on why others are too lazy to afford insurance.
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