A Glimpse into the Bureaucratic Hell of Denying Health Insurance Claims
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Re: A Glimpse into the Bureaucratic Hell of Denying Health Insurance Claims
#2It's hard to believe that the country is putting up with a system that can bankrupt you any time you get sick and there is pretty much nothing you can do other than being lucky or having a lot of money already. The actual medical care is fine but the billing practices are just ridiculous. I would call them fraudulent in a lot of cases.
Re: A Glimpse into the Bureaucratic Hell of Denying Health Insurance Claims
#3I've begun to suspect is that "universal healthcare" means "you weren't denied, you're just on a waiting list, and every physician is an interchangeable cog".
I often wonder why health insurance companies don't use a similar tactic.
Edit: Try finding a pediatrician in Berlin. (Seriously, I would love to hear recommendations)
Re: A Glimpse into the Bureaucratic Hell of Denying Health Insurance Claims
#4It's hard to believe that the country is putting up with a system that can bankrupt you any time you get sick and there is pretty much nothing you can do other than being lucky or having a lot of money already. The actual medical care is fine but the billing practices are just ridiculous. I would call them fraudulent in a lot of cases.
Is it really hard to believe though? The ones who are lucky and have the money are fine with the situation. The unlucky ones with no money are too busy fighting diseases, insurance companies, and bill collectors, they don't have time to change the system. Dealing with insurance when you have a serious illness is a full time job. The people who need change most are literally fighting for their lives. Meanwhile, healthy people in America think "Gee, why should I have to use my money to pay for someone else's healthcare? What do I get out of it? I'm rich and lucky after all".
The richest don't even understand what health insurance is as a concept. I mean, just look at what our own President Billionaire has to say: "Because you are basically saying from the moment the insurance, you're 21 years old, you start working and you're paying $12 a year for insurance, and by the time you're 70, you get a nice plan." [1] What does that even mean? Or our Speaker of the House: "The whole idea of Obamacare is...the people who are healthy pay for the...sick. It's not working, & that's why it's in a death spiral" [2]. That's literally the entire point of health insurance. This is what we're dealing with here.
[1] https://www.cnbc.com/2017/07/20/trump-thinks-young-people-pa... [2] https://www.washingtonpost.com/news/politics/wp/2017/03/09/e...
Re: A Glimpse into the Bureaucratic Hell of Denying Health Insurance Claims
#5I've begun to suspect is that "universal healthcare" means "you weren't denied, you're just on a waiting list, and every physician is an interchangeable cog". I often wonder why health insurance companies don't use a similar tactic. Edit: Try finding a pediatrician in Berlin. (Seriously, I would love to hear recommendations)
Because doctors will happily tell you that whatever they plan to do will be covered by your insurance. So the work gets done, the money spent, before they get a chance to screw with you.
Re: A Glimpse into the Bureaucratic Hell of Denying Health Insurance Claims
#6It's hard to believe that the country is putting up with a system that can bankrupt you any time you get sick and there is pretty much nothing you can do other than being lucky or having a lot of money already. The actual medical care is fine but the billing practices are just ridiculous. I would call them fraudulent in a lot of cases.
Is it really hard to believe though? The ones who are lucky and have the money are fine with the situation. The unlucky ones with no money are too busy fighting diseases, insurance companies, and bill collectors, they don't have time to change the system. Dealing with insurance when you have a serious illness is a full time job. The people who need change most are literally fighting for their lives. Meanwhile, health…
I have much more money than most people but I'm not fine with it. I pay more than a mortgage payment every month for insurance that pays for almost nothing.
Re: A Glimpse into the Bureaucratic Hell of Denying Health Insurance Claims
#7It's hard to believe that the country is putting up with a system that can bankrupt you any time you get sick and there is pretty much nothing you can do other than being lucky or having a lot of money already. The actual medical care is fine but the billing practices are just ridiculous. I would call them fraudulent in a lot of cases.
Is it really hard to believe though? The ones who are lucky and have the money are fine with the situation. The unlucky ones with no money are too busy fighting diseases, insurance companies, and bill collectors, they don't have time to change the system. Dealing with insurance when you have a serious illness is a full time job. The people who need change most are literally fighting for their lives. Meanwhile, health…
"The whole idea of Obamacare is...the people who are healthy pay for the...sick"
This is the whole point of health insurance! What a stupid idiot (I am overly nice to Paul Ryan. His budget plan was the most ridiculous thing I have ever read).
Re: A Glimpse into the Bureaucratic Hell of Denying Health Insurance Claims
#8Earlier quoted context omitted.
Is it really hard to believe though? The ones who are lucky and have the money are fine with the situation. The unlucky ones with no money are too busy fighting diseases, insurance companies, and bill collectors, they don't have time to change the system. Dealing with insurance when you have a serious illness is a full time job. The people who need change most are literally fighting for their lives. Meanwhile, health…
"The whole idea of Obamacare is...the people who are healthy pay for the...sick" This is the whole point of health insurance! What a stupid idiot (I am overly nice to Paul Ryan. His budget plan was the most ridiculous thing I have ever read).
That is the whole point of socialized medicine. The point of insurance is that you pay slightly more than the expected value of your claims. So if you know you need $5000 worth of medical treatment for asthma, your insurance premium should be definitely more than $5000.
This bizarre obsession with using the phrase "insurance" and insisting on a product that is not at all insurance is probably why the US health-care system is so fucked.
Re: A Glimpse into the Bureaucratic Hell of Denying Health Insurance Claims
#9It's hard to believe that the country is putting up with a system that can bankrupt you any time you get sick and there is pretty much nothing you can do other than being lucky or having a lot of money already. The actual medical care is fine but the billing practices are just ridiculous. I would call them fraudulent in a lot of cases.
Is it really hard to believe though? The ones who are lucky and have the money are fine with the situation. The unlucky ones with no money are too busy fighting diseases, insurance companies, and bill collectors, they don't have time to change the system. Dealing with insurance when you have a serious illness is a full time job. The people who need change most are literally fighting for their lives. Meanwhile, health…
Ryan’s point was that Obamacare’s guaranteed-issue requirement means that exchange plans can only be viable if they attract enough healthy people to cover the costs of the currently or chronically ill. Both groups must be offered the same rates.
Surely you can see how that is different from (say) fire or auto insurance, where no one would expect to pay the same to insure two houses, only one of which is actually burning at the moment.
Re: A Glimpse into the Bureaucratic Hell of Denying Health Insurance Claims
#10Earlier quoted context omitted.
"The whole idea of Obamacare is...the people who are healthy pay for the...sick" This is the whole point of health insurance! What a stupid idiot (I am overly nice to Paul Ryan. His budget plan was the most ridiculous thing I have ever read).
That is the whole point of socialized medicine . The point of insurance is that you pay slightly more than the expected value of your claims. So if you know you need $5000 worth of medical treatment for asthma, your insurance premium should be definitely more than $5000. This bizarre obsession with using the phrase "insurance" and insisting on a product that is not at all insurance is probably why the US health-care…
" The point of insurance is that you pay slightly more than the expected value of your claims. "
Not true. Car liability insurance is very similar to health insurance. A lot of people never get anything out of it.