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My husbands suicide shows theres something very wrong with US insurance industry
51–60 of 179 posts
Re: My husbands suicide shows theres something very wrong with US insurance industry
#52[flagged]
There are all kinds of nuances and complexities to the human condition, especially when it comes to something like depression.
I think the parent comment, with it's implied blame/shame of the deceased, is missing a lot.
As someone with depression, to others who might read this, know that there are those out there who care about what you are going through, have compassion, and don't need or want to blame you for what you are experiencing.
There is a place for responsibility and ownership of consequences. But the parent comment isn't the way to do it.
Re: My husbands suicide shows theres something very wrong with US insurance industry
#53[flagged]
On the contrary, the condition experienced by the author's spouse is direct evidence of a problem with the author's insurance provider, which in kind happens to be a widespread practice in the industry. US health insurance providers have pivoted from denying claims based on pre-existing conditions to denying claims based on lack of history of pre-existing conditions.
Your links do not support the point you are trying to make, as those affected by NHS wait times are, in fact, not affected by insurance denials but rather the immense and unmet demand for medical personnel.
Re: My husbands suicide shows theres something very wrong with US insurance industry
#54Re: My husbands suicide shows theres something very wrong with US insurance industry
#55Earlier quoted context omitted.
No, selfish would be more like knowing it, being of reasonably sound mind, and doing it anyways. Being convinced of something by wonky brain chemistry isn't necessarily a personal failing.
My brain chemistry tells me i'm better than most people and deserve more. Is that...selfish?
Specifically, that would be arrogance and entitlement. Both are typically considered selfish.
We don't know whether brain chemistry alone leads to this. The traits are complex enough that most likely it is a result of social conditioning rather than only genetics. Genetics may still play a role however, especially epigenetics.
Re: My husbands suicide shows theres something very wrong with US insurance industry
#56This is a far cry from the gravity of the post, but here's my personal anecdote about trying to navigate health care and insurance. A month or two ago, I was trying to set up a pediatric dentist visit for my son. Not a medical emergency, but a matter of some urgency. I spent about three hours on a total of a dozen phone calls or so. Some to the insurer, and some to various dentist offices in the region to inquire abo…
Similar story for our youngest - excuse after excuse. We just bought two round-trip tickets to Warsaw and paid privately. It was a little more but my wife and son got to spend time with friends and family for that extra. The effort we had spent in US we never got back. I hope it worked-out okay for your family as well.
Re: My husbands suicide shows theres something very wrong with US insurance industry
#57This article makes a good case for the abolition of health insurance. If everybody had to pay for medical care, medical care would need to be affordable to survive. It's hard for me to believe that a doctor couldn't afford medical care for her husband. She just couldn't get outside of the box and consider that the treatment was more important than the cost.
Re: My husbands suicide shows theres something very wrong with US insurance industry
#58Earlier quoted context omitted.
I've seriously considered opting out of health insurance altogether and stuffing away the obscenely priced monthly expense into an interest yielding account. Insurance is nightmarish, and I don't really want to deal with it much anymore. I know this might appear foolish, but fighting with a corporation whose incentives are adverse to my own (both on the medical side and the insurance side) makes me a little sick to m…
If you have enough money for that gamble to pay off over the long haul the cost of health insurance would be immaterial to you anyway. You might get away with it in your youth, or you might have a catastrophic loss and have your finances wrecked. You're often able to negotiate discounts for cash payment from providers, but back when I had insurance that excluded a pre-existing condition I ran into providers who stead…
Catastrophic events seem to wipe people out financially regardless of insurance status. I keep hearing of people divorcing so their former spouse can keep some assets while they are battling cancer. There's just no winning unless you never need care.
Re: My husbands suicide shows theres something very wrong with US insurance industry
#59[flagged]
What is evidence then? Something of choosing that is impossible or just impractical to meet, or who's goalposts can keep changing indefinitely?
A bad result is not evidence that a system failed or did anything wrong. To show a problem with the system, you need to show, for example, that other systems do things differently in a way that would have avoided what happened here.
Re: My husbands suicide shows theres something very wrong with US insurance industry
#60Earlier quoted context omitted.
> This is definitely a case where the insurance company holds the majority of the blame. What facts are the basis of your conclusion? There is no health system in the developed world where a doctor's recommendation will guarantee expensive inpatient treatment without a layer of bureaucratic review.
The goal should be to provide every human being with the best care possible. If a system can't handle that, then we need to assess why and make changes.
Show me a country where that's the goal. Every other developed country has a goal that's something like: "provide the best outcomes for the population as a whole, at a cost the public is willing to pay."