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My husbands suicide shows theres something very wrong with US insurance industry

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Re: My husbands suicide shows theres something very wrong with US insurance industry

#151

Earlier quoted context omitted.

Calling it a "few dollars" is probably disingenuous, although we don't know the personal circumstances. For many, this could be a "life-changing" quantity of money.

You are probably misusing disingenuous. It implies dishonesty (so intention).

Yeah. "Misleading" is maybe better.

Re: My husbands suicide shows theres something very wrong with US insurance industry

#152
post #23

Earlier 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.

I'd imagine you'd struggle to find a healthcare system in which a doctor's prescribed care is assuredly covered by insurance, by the insurance provider, and then later rescinded after care has already started.

The ACA made rescission of health insurance more difficult for insurers, but it absolutely happens. There are people at insurers tasked with looking for fraudulent omissions in policy applications for high loss ratio individual policyholders to target for rescission.

This one is pre-ACA but the insurer focused on an "omission" to justify the rescission: https://www.cnn.com/2009/POLITICS/06/16/health.care.hearing/...

Re: My husbands suicide shows theres something very wrong with US insurance industry

#153

Earlier quoted context omitted.

That's not the question I asked, but you're still heading down the road to being incorrect. The fact is that charitable giving, need-based aid, philanthropic donations, government assistance, and other forms of subsidy fund *roughly half of the sum total American healthcare costs.* That's trillions of dollars.

> government assistance That's not charity!

Maybe not according to your personal definition. Government welfare is a form of institutionalized or compulsory collective charity, although it is not “charity” in the private voluntary sense.

Re: My husbands suicide shows theres something very wrong with US insurance industry

#154

Earlier quoted context omitted.

> government assistance That's not charity!

Maybe not according to your personal definition. Government welfare is a form of institutionalized or compulsory collective charity, although it is not “charity” in the private voluntary sense.

> Maybe not according to your personal definition.

Not according to any common definition.

I, too, can win every argument if I get to make up the definitions.

> compulsory collective charity

Compulsory makes it not charity. That's a tax.

Re: My husbands suicide shows theres something very wrong with US insurance industry

#155
post #70

I’ve been through this situation with family members. I understand the frustration and agony. I also understand the hesitancy to pay for two months at a “retreat-like inpatient psychiatric facility.” In publicly funded system, it’s likely facilities like this would not exist or would be strictly private pay. I’m not aware of any country that makes such a thing available on short notice like this. I also understand th…

It sounds like this guy needed around-the-clock, in-patient care. That's inherently expensive. While those facilities exist in countries with publicly funded healthcare, there's a huge shortage of in-patient beds, so there is some mechanism to funnel patients to outpatient care.

Don't leave out jails, without insurance and significant funds, that's what democracy has decided for you.

Re: My husbands suicide shows theres something very wrong with US insurance industry

#156

I’ve been through this situation with family members. I understand the frustration and agony. I also understand the hesitancy to pay for two months at a “retreat-like inpatient psychiatric facility.” In publicly funded system, it’s likely facilities like this would not exist or would be strictly private pay. I’m not aware of any country that makes such a thing available on short notice like this. I also understand th…

Maybe i missed the part of the article that suggested a public system would have paid for a 2 month retreat?

Re: My husbands suicide shows theres something very wrong with US insurance industry

#157

Earlier quoted context omitted.

Maybe not according to your personal definition. Government welfare is a form of institutionalized or compulsory collective charity, although it is not “charity” in the private voluntary sense.

> Maybe not according to your personal definition. Not according to any common definition. I, too, can win every argument if I get to make up the definitions. > compulsory collective charity Compulsory makes it not charity. That's a tax.

Regardless of whether or not you agree with any specific definition, the state of US healthcare is such that half of all spending needs to be subsidized in one form or another. To remove even the paltry billions that may fit under a strict category of “voluntary charitable giving” would be a disaster.

Re: My husbands suicide shows theres something very wrong with US insurance industry

#158
post #82
post #60

Earlier quoted context omitted.

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."

We should make it the goal as a species. We have the resources and technology. We decide to be limited by economics.

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Re: My husbands suicide shows theres something very wrong with US insurance industry

#159

I’ve been through this situation with family members. I understand the frustration and agony. I also understand the hesitancy to pay for two months at a “retreat-like inpatient psychiatric facility.” In publicly funded system, it’s likely facilities like this would not exist or would be strictly private pay. I’m not aware of any country that makes such a thing available on short notice like this. I also understand th…

I will note that in a lot of places in the US, the role of medium term acute psychiatric care is taken by partial hospitalization programs, where patients go to a facility (usually a few conference rooms in an office building) during the workday for intensive therapy and medication management, but go home with family in the evenings. These programs are a lot cheaper than inpatient programs, and the standard workflow in my experience (with "good" insurance) at this point is 3-10 days inpatient, followed by 2-10 weeks in a PHP, and possibly some part time program after that. A lot of people skip the inpatient part if there's no acute danger.

I'm surprised the author makes no mention of those sorts of programs in the article. It makes it sound like the options were a luxury 8 week inpatient or nothing, when there's really a lot of stuff in between.

Re: My husbands suicide shows theres something very wrong with US insurance industry

#160
post #27

As someone who just recently was re-diagnosed for active major depression after a major back surgery this article hits very hard. I recently discussed inpatient treatments with my psychiatrist too. I can understand what the husband was feeling... that the nothing of death was greater than the feelings of life. It's difficult to work with healthcare in general - add a mental issue on top of that and it feels impossibl…

I recommend if you're looking into inpatient treatment and you're not an acute danger to yourself or others, look into partial hospitalization programs and intensive outpatient programs instead. I know Kaiser covers some at least in Virginia.

In my experience with family members, inpatient hospital stays at many hospitals in the US are one of the least therapeutic environments possible, and once you've gone through an ER or psych ER (which most of them make you do), you have no control over which hospital you end up at. In the end your stay is unlikely to be any more than 7 days.

PHP programs on the other hand tend to fill the role that work had previously taken in someone's life for a few to several weeks. They're typically 9-3, held in office parks, and are mostly quality group therapy with a daily or weekly psych visit.

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