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Torrent of Hate for Health Insurance Industry Follows CEO's Killing

nytimes.com

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Re: Torrent of Hate for Health Insurance Industry Follows CEO's Killing

#11
post #4

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https://www.propublica.org/article/unitedhealth-healthcare-i...

> On the 2021 phone call, which was recorded by the company, nurse Victoria Kavanaugh told her colleague that a doctor contracted by United to review the case had concluded that McNaughton’s treatment was “not medically necessary.” Her colleague, Dave Opperman, reacted to the news with a long laugh.

>“I knew that was coming,” said Opperman, who heads up a United subsidiary that brokered the health insurance contract between United and Penn State. “I did too,” Kavanaugh replied.

> Opperman then complained about McNaughton’s mother, whom he referred to as “this woman,” for “screaming and yelling” and “throwing tantrums” during calls with United.

I don't have a lot of sympathy for these people.

One of my early crap jobs was the mailroom at a Wausau Insurance branch. A claims adjuster gave me a case to make copies of, not warning me I’d be seeing graphic pics of a kid smashed between a dumpster and a wall. I guess she was so immune to that stuff by that point that it didn’t occur to her.

When I gave it back to her I remarked on how tragic the incident was. Her reply was that the mom had two other kids and was going to make a lot of money off this. Naturally the claims adjuster was white and the kid was black. There was testimony in the case about how much their brother’s death traumatized the two surviving boys, who saw it happen. How they tended to just cling to each other in meetings with a therapist.

On top of that the incident occurred because the insurance company had told the Rent-A-Center that their employees weren’t allowed to help delivery trucks back in, specifically because of liability if something like this happened (kid ran behind the dumpster to get a ball right as a delivery truck hit the dumpster).

The job warps these people into losing their humanity.

Re: Torrent of Hate for Health Insurance Industry Follows CEO's Killing

#12
post #4

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I spent quite a bit of time trying to figure out what drives such high costs in US healthcare, some years back.

My conclusion is everything does. This conveniently makes it easy to dismiss criticism of any one part (all of which are responsible) because “well they’re just increasing it a little—go look at these other things, they’re bad too, and if you add up all of that, they’re worse!”

Right, but if you keep not addressing the one in front of you because of that kind of misdirection, you never fix any of it, because all of it is taking too much money.

I will say that our private insurance system in particular seems to be responsible for most of the insanely-high indirect costs of our system.

Dozens of hours for patients and their families lost per major incident, playing middleman between insurance and provider billing departments, trying to make insurance do what they’re supposed to. Stupid billing systems where the prices are all kinda fake, which wastes time in a few ways. Tons of time shopping for and managing healthcare plans by folks in HR. Government social safety net people having to dick around with private insurance nonsense to sort out who’s getting what from where. Employees losing time poring over plans to figure out which one they should get (is it just me, or if you’re offered three is there always one that doesn’t make any sense compared to the other two, no matter what kind of usage pattern or expectations you can think up?) Tons and tons of overhead staff at providers.

Re: Torrent of Hate for Health Insurance Industry Follows CEO's Killing

#13
post #4

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I'm wondering if HIPPA might be overly costly and counter productive. While I agree with the critical infrastructure designation for healthcare and associated cyber security initiatives, I don't think that there's any real value to my health information being private. Getting basic health care requires you to allow multitudes of third parties access to your health care information anyways, so is HIPPA's purpose actually being achieved? It's not like a hacker is going to get access to my bank account if they know I have high blood pressure. Just about everybody has some kind of condition. I think there are misplaced concerns about health insurance misusing the info to discriminate against people based on certain conditions, but I'm pretty sure there's already ways for them to do this now, and if we really want that to not happen, then just make a law to address that concern instead of HIPPA.

Re: Torrent of Hate for Health Insurance Industry Follows CEO's Killing

#14
post #4

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I think the average American understands everything they need to understand when they pay their premiums and are refused the care they require to survive.

It’s laughable that anyone can have this reaction of “gee, maybe if people only understood _why_ a CEO makes billions and has the highest rate of denied claims, they wouldn’t accept violence”

Re: Torrent of Hate for Health Insurance Industry Follows CEO's Killing

#15
post #4

[flagged]

I spent quite a bit of time trying to figure out what drives such high costs in US healthcare, some years back. My conclusion is everything does. This conveniently makes it easy to dismiss criticism of any one part (all of which are responsible) because “well they’re just increasing it a little—go look at these other things, they’re bad too, and if you add up all of that, they’re worse!” Right, but if you keep not ad…

That third plan might be there just to make the other two look reasonable. Restaurants do this all the time with menus.

You conclusion reminds me of yesterday's thread about Rogue where one the best players was that way not due to some amazing trick or skill but because he was just a bit better than average on most aspects of the game. He didn't have to be the best at anything, all the little parts above the median added up.

Re: Torrent of Hate for Health Insurance Industry Follows CEO's Killing

#16
post #4

[flagged]

I'm wondering if HIPPA might be overly costly and counter productive. While I agree with the critical infrastructure designation for healthcare and associated cyber security initiatives, I don't think that there's any real value to my health information being private. Getting basic health care requires you to allow multitudes of third parties access to your health care information anyways, so is HIPPA's purpose actua…

Do you have some reason to think HIPPA is responsible for the cost of healthcare in the US?

Re: Torrent of Hate for Health Insurance Industry Follows CEO's Killing

#17
post #4

[flagged]

I spent quite a bit of time trying to figure out what drives such high costs in US healthcare, some years back. My conclusion is everything does. This conveniently makes it easy to dismiss criticism of any one part (all of which are responsible) because “well they’re just increasing it a little—go look at these other things, they’re bad too, and if you add up all of that, they’re worse!” Right, but if you keep not ad…

The list of things at the end of your comment are all basically drivers for GDP. Our economic policies seem to incentivize the construction of Kafkaesque dystopias. I just can't see how such a leviathan could ever be dismantled.

Re: Torrent of Hate for Health Insurance Industry Follows CEO's Killing

#18
post #4

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I'm currently arguing with my health insurance about their refusal to cover a treatment because they allegedly haven't received the required documentation. This is after faxing these documents to a number that turned out to be a black hole, attaching a PDF to a message in their messaging portal, and eventually sending it by certified letter, complete with a returned delivery confirmation. Today I got a letter in the mail saying that my grievance was denied because they've yet to receive the necessary documents to process my claim.

Here I am paying out of pocket for a medically necessary and covered service simply because the insurance company is playing games. I would prefer they not try to cut their costs by playing stupid games like this about valid claims in the hope that I just give up so they don't have to pay. It's feeling like I'm going to have to sue them to get this resolved. At least it's harder for corporations to play games with process service.

Re: Torrent of Hate for Health Insurance Industry Follows CEO's Killing

#19
post #4

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I think this comment betrays the reality of Americans interaction with healthcare insurance. It’s not about regulatory awareness, but angst over the system - People die because of the decisions made by insurance companies. If you read or hear the things people are saying, they’re expressing frustration over the way they’re treated by insurance providers and their policies. The costs across the industry are insane, an…

Remember how death panels were evil, but a bottomless layer cake of corporate bureaucracies making those same decisions, with added profit margins at each layer, was somehow perfectly fine?

I am not trying to get political, or be flippant, I just truly marvel at how easily we are programmed. I mean all of us, myself included.

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