101–110 of 132 posts
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Perhaps a solution to the problem of chronic, treatable conditions is to make health insurance not pay for them. In short, turn insurance back into insurance (protection against low probability, high cost events).
Wait, WTF? Isn't getting bitten by SuperTick exactly the sort of low probability, high cost event insurance is for? Just because something is chronic doesn't make it low cost.
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NICE doesn't face the same choices as insurance companies. NICE picks treatments based on trying to get the best results for the whole population whilst only spending a finite amount of money. Insurance companies pick treatments based on trying to get the largest amount of profit compatible with people being willing to carry on paying for insurance.
It's much the same from the perspective of the person being denied treatment, having paid NI their whole life.
NI is pretty cheap and the only kinds of treatments that are going to be prevented are those that are incredibly expensive, experimental or incredibly rare. You can still go private though.
Same sort of scenario for pensions, if you don't save for yourself you will still get a state pension. You will have to live on Tesco value bread even though you "paid taxes your entire life".
The defining line is: If you're a UK resident and you're not wealthy and you don't save any money you WILL be catered for: TO A DEGREE. Sure its not always fair but it has to be pragmatic at the edge cases to work at all.
Earlier quoted context omitted.
Perhaps a solution to the problem of chronic, treatable conditions is to make health insurance not pay for them. In short, turn insurance back into insurance (protection against low probability, high cost events).
Wait, WTF? Isn't getting bitten by SuperTick exactly the sort of low probability, high cost event insurance is for? Just because something is chronic doesn't make it low cost.
Earlier quoted context omitted.
It's much the same from the perspective of the person being denied treatment, having paid NI their whole life.
You can't compare taxes to services, Tobacco tax gets NOWHERE near covering the medical costs that the system has to bear for example. NI is pretty cheap and the only kinds of treatments that are going to be prevented are those that are incredibly expensive, experimental or incredibly rare. You can still go private though. Same sort of scenario for pensions, if you don't save for yourself you will still get a state p…
The UK govt. makes approx GBP 10Bn a year from tobacco, and spends approx. GBP 2Bn on medical costs associated with it.
if you don't save for yourself you will still get a state pension. You will have to live on Tesco value bread even though you "paid taxes your entire life"
The problem I and others have with this is that the person who contributes nothing, by their own free choice, will receive far more than those who have contributed, and saved, and now get nothing due to means testing.
I am assuming you are an American citizen. If you haven't already, you need to: 1) call your Congressperson's local office (not DC) and ask for someone in constituent services who works with health care issues. Do this tomorrow. If your insurance company is denying you any care, and you have a paper trail, they should help. If your Rep can't help, then contact your two Senators' offices. Generally, Reps are much bett…
It seems awful to me that all of that effort is needed just to make sure your not screwed over by the insurance company :( Or is it just the norm and Im not used to it?
It wouldn't be so bad if this wasn't the norm. Every time I visit the dentist or doctor, something comes up from insurance. Then I waste a week or a month fighting the insurance company for the most inane things.
Now imagine if you couldn't speak English or didn't have the time to make these calls.
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Thanks. Now who is Shooter? edit: Before I get downvoted because of emotional responses I want to clarify that I really have no idea who Shooter is and neither do I know about the relevance for this site.
I'm nobody, dude. I put my username in the title because I was asked a question in another thread and couldn't think of a good title for my long answer. Sorry for the confusion.
Earlier quoted context omitted.
Wait, WTF? Isn't getting bitten by SuperTick exactly the sort of low probability, high cost event insurance is for? Just because something is chronic doesn't make it low cost.
I'm not seeing how getting bitten by a supertick is chronic. I was responding to the meta-problem (insurance not paying for chronic conditions), not the OP's specific problem.
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You missed the part where he has to keep on fighting to keep the coverage and says that he expects to lose his coverage eventually. And it sounds like you don't have enough experience of being on the wrong end of an insurance companies attempts to kill you to be less credulous about their nature. The problem is that in the US at this time, health insurance companies are structurally evil. Evil in that they are the so…
Insurance companies are neither Good nor Evil. That's absurd. They're simply in the unenviable position of having to be the decision makers in the distribution of a scarce resource (health care). Saying the insurance companies are evil is no more informed than the people who railed at the Obama administration for suggesting that end of life care should be rationed. The most fundamental issue is that health-care is so…
The structure of health insurance protection in the US at this time extracts almost a third of every dollar spent on health care. And those administrative costs do not contribute towards better health care, chronic or acute. And that is why I am not afraid to make a moral judgment; an industry that steals the third part of the money entrusted to it's care at the expense of the sick and dying is evil. How can we remedy this evil?
I hate to ask this, but as an infectious disease that could be spread by a tick bite, isn't it potentially communicable?
Earlier quoted context omitted.
You can't compare taxes to services, Tobacco tax gets NOWHERE near covering the medical costs that the system has to bear for example. NI is pretty cheap and the only kinds of treatments that are going to be prevented are those that are incredibly expensive, experimental or incredibly rare. You can still go private though. Same sort of scenario for pensions, if you don't save for yourself you will still get a state p…
Tobacco tax gets NOWHERE near covering the medical costs that the system has to bear for example. The UK govt. makes approx GBP 10Bn a year from tobacco, and spends approx. GBP 2Bn on medical costs associated with it. if you don't save for yourself you will still get a state pension. You will have to live on Tesco value bread even though you "paid taxes your entire life" The problem I and others have with this is tha…
I and others like me have a problem with people like you who do not understand the principle of true charity. No strings attached.
Sure I agree that we need to improve the way we provide some of our benefits, there are probably too many people on incapacity benefit suggesting some (many?) of these are fraudulent cases.
However where we appear to differ is that in principle I have no problem for a single parent or someone else with "problems" being able to claim benefit. I'm happy to have some false positives if we can help positive positives. I'm lucky with my life, other people need a hand. It is not my place to morally assert how they should lead their lives.
I'm also puzzled how you think means testing is unfair. Those who have, have. Those who haven't get given. Do you appreciate what would happen to crime figures if the dole was abolished?