Health Insurance's balanced billing woes - Page 2 - PeachParts Mercedes-Benz Forum

jplinville · #16 10-01-2009, 01:38 AM

What people dont understand is that Insurance was never meant to pay for 100% of healthcare costs...Insurance is actually a gamble. You purchase a block of insurance, at a specified amount with the hopes that you will never need to use it. In the past 25 years, with the advent of the ideology of managed care, the costs have skyrocketed...much more than anyone thought it would.

Getting back to the purchase of a specified amount of insurance...Say you purchase, I don't know...$100,000 worth of health insurance, and you have a problem that involves you needing $200,000 worth of medical care...Why should the insurance company be held liable for the full $200,000 when you only purchased $100,000 worth of coverage??

Now, people are complaining about the pre-existing conditions clauses...Remember back when Managed health Care was born? Everybody was told to go to the doctor for every little issues...stuffy nose, hangnail, anal leakage...the list goes on. Now, here's where it get pretty sneaky folks...how many here remember all those people buying up Health Insurance at the initial low cost at that time, getting all these check-ups, medications, specialized surgeries and such, then dropping the coverage...basically allowing the coverage to lapse. The insurance companies paid out for all the work that was done, but were never allowed to recoup the funds with longevity of premium.

Fact is, folks...everyone is blaming the insurance industry when it's not their fault. If you purchase insurance, which is a gamble against you ever needing it, for $20,000, then that is all that the company should pay...not a penny more.

People have been thinking that the insurance companies are their health care providers, when they aren't...they are the bookies in a legal gambling ring that pays out only what it brings in.

Chas H · #17 10-01-2009, 01:42 AM

Quote:

Originally Posted by jplinville

What people dont understand is that Insurance was never meant to pay for 100% of healthcare costs .

Well that's baloney. I've had insurance that covered every penny, and so have many others. Currently my co-pays don't exceed $50, and a visit to my PCP cost me $5.

jplinville · #18 10-01-2009, 01:48 AM

Quote:

Originally Posted by Chas H

Well that's baloney. I've had insurance that covered every penny, and so have many others. Currently my co-pays don't exceed $50, and a visit to my PCP cost me $5.

My office visits don't cost me a penny, period. So what?

If it was meant to cover 100%, then you would be charged at a minimum 50% of what all possible healthcare for your expected lifetime as your premium.

I'm sorry, you're talking about healthcare coverage...I'm talking about insurance coverage. Really, 2 different animals here.

Is there a healthcare coverage company available to cover all costs, or are they called insurance companies and they only cover certain costs?

Chas H · #19 10-01-2009, 01:51 AM

Quote:

Originally Posted by jplinville

My office visits don't cost me a penny, period. So what?

If it was meant to cover 100%, then you would be charged at a minimum 50% of what all possible healthcare for your expected lifetime as your premium.

I'm sorry, you're talking about healthcare coverage...I'm talking about insurance coverage. Really, 2 different animals here.

Is there a healthcare coverage company available to cover all costs, or are they called insurance companies and they only cover certain costs?

Aside from your first sentance, in which you agree with my last post, I have no idea what you mean.

732002 · #20 10-01-2009, 11:09 AM

It is easy in this fake OD world to say no money no insurance you die.

In the real world if you have the technology to save someone it is not
acceptable to withhold care. Can't have Saint whatever Hospital doing
that, would not be christian.

aklim · #21 10-01-2009, 11:13 AM

Quote:

Originally Posted by 732002

It is easy in this fake OD world to say no money no insurance you die.

In the real world if you have the technology to save someone it is not
acceptable to withhold care. Can't have Saint whatever Hospital doing
that, would not be christian.

It would be easy for me to say that in any world and gladly do it too.

tankdriver · #22 10-01-2009, 11:17 AM

Quote:

Originally Posted by pawoSD

No system of health provisions should be aimed at making profit at the expense of the population they are "serving". What a terrible system.

It is okay to have some things that are not for profit business. It's allowed. It doesn't make us communists to have one or two things that aren't profit maximizing, bottom line driven business. Capitalism doesn't mean everything that exists must be a commodity.

aklim · #23 10-01-2009, 11:28 AM

Quote:

Originally Posted by tankdriver

It is okay to have some things that are not for profit business. It's allowed. It doesn't make us communists to have one or two things that aren't profit maximizing, bottom line driven business. Capitalism doesn't mean everything that exists must be a commodity.

Would it be ok if we said that about your livelihood?

tankdriver · #24 10-01-2009, 11:40 AM

Quote:

Originally Posted by aklim

Would it be ok if we said that about your livelihood?

Make your case for it.

aklim · #25 10-01-2009, 11:45 AM

Quote:

Originally Posted by tankdriver

Make your case for it.

Why are some jobs ok to be "not for profit" and not your sacred cow? IOW, go volunteer yourself and not others.

732002 · #26 10-01-2009, 12:57 PM

Quote:

Originally Posted by aklim

It would be easy for me to say that in any world and gladly do it too.

You are on the fringe. Your ideal world will never happen here.

aklim · #27 10-01-2009, 01:09 PM

Quote:

Originally Posted by 732002

You are on the fringe. Your ideal world will never happen here.

That is why we have the mess we have here today.

732002 · #28 10-01-2009, 01:14 PM

Quote:

Originally Posted by aklim

Why are some jobs ok to be "not for profit" and not your sacred cow? IOW, go volunteer yourself and not others.

Making health care non profit does not mean that health care workers
will be unpaid volunteers.

Look at the non profit military. I have a family member with a NROTC scholarship valued at $180K, His tuition is paid, he can work for the gov
for 20 years and collect his pension or opt out after four years.

Maybe we should run health care like the non profit military.

aklim · #29 10-01-2009, 01:30 PM

Quote:

Originally Posted by 732002

Making health care non profit does not mean that health care workers
will be unpaid volunteers.

Maybe we should run health care like the non profit military.

I don't think that at all. I don't want the govt involved in everything from wiping my butt to tucking me into bed at night. I don't think it is the govt's job. So, take away profit, I am not sure how you will get others involved. Nobody does something without a reason. Even the govt. They do it to get your votes.

You mean like how they had that scandal of $300 ashtrays and toilet seats? You mean like how they tell the soldiers what weapons they need based NOT solely on what the soldiers tell you but what the congressperson's district manufactures? Or how about the way the states are borrowing money rather than to slash programs because it is more palatable? How about where your state's Tobacco Windfall money went? Or how about where part of the WI road tax money went? Or how about their bailout of Fannie and Freddie and at some point, Social Security? Or how about the way MIPPA stifles competition between the govt and private companies? Or should we talk about that big scam of Ethanol?

HuskyMan · #30 10-01-2009, 02:07 PM

speaking of the "chicken in every pot" government provided health care from the womb to the tomb thinking, check out the U.S. hospitals that are just across the border from Canada. take a cruise through the parking lot and notice how many Canadian license plates you see. why might that be? might it be because when a Canadian needs surgery, in many cases they are placed on a wait list? but wait, ALL Canadians have health care coverage, right? then why would our good friends up north wish to come visit our hospitals?

one reason and one reason only. Our health care system delivers up the goods NOW. if this country ever goes to total 100% controlled government health care you can count on being placed on a long wait list to get that much needed surgery. BUT, don't complain because "everyone" will have government funded health care. then they will merge VA hospitals with private hospitals and then things will get interesting......

- "Be careful what you ask for because you just might get it".