Health coverage 'plan' was no insurance at all

I don't think the timelines support that comment....The larger issue was that this couple was a victim of fraud....

TNT click the link....I am currently reading Mr. Reids book.



I am just starting chapter 2 and it is definitely eye opening. Basically most countries in the industrialized world have vibrant private markets with strict regulation.....Germany with 100 million people has 200 separate plans......All delivering average care that is better than ours at a lower cost.....

I love my country enough to tell her when she is wrong.....We have a unique opportunity to learn lessons from other countries to redesign our system to be better...

Yeah, and what I call criminal is paying $440 a month for health insurance through my employer that pays....for......NOTHING!!!

That's right. I have had this insurance for a year, paid thousands of dollars into it.........and they are refusing to cover any of the expenses for my hyperparathyroidism, which have already topped a thousand bucks and continue to mount. We haven't even gotten to the DEXA scan and the renal U/S I just had a couple of weeks ago, let alone the surgery I'm going to need. Why? Well, according to them it's a "pre-existing condition", even though I have never been officially diagnosed with the condition until now.

Somebody please, tell me how in the name of all that is reasonable can an insurance company get away with ripping off consumers, month after month after month, and NOT having to provide the services we are paying for??!! And how is that moral, or right, or even good business?? My husband and I are already in so deep from having so many medical expenses over the past year for our REAL pre-existing conditions that I don't see us ever getting out from under the crushing debt load..........of course the hospitals and doctor's offices never bill us for everything all at once so we never really know just how much we owe them, but I know it's in the tens of thousands and probably will reach six figures before this particular episode of my life is over.

I feel like I'm shoveling (insert vulgar term for 'feces' here) against the tide when I pay my co-pays at the time of service and then open up the bills two months afterwards to find that my insurance company has denied yet another claim. This is what has convinced me---a political conservative in almost every other way---that single-payer health care is the ONLY way for middle- and lower-income people to survive financially, at least if they're past 35 and have a few medical issues.

I think you all know I work hard and play by the rules; I'm not lazy, looking for handouts, or trying to cheat the system. So how is it that some folks evidently think it's perfectly OK for an insurance company to cheat ME??!!

Just venting.........I am really, really ANGRY about this and it mystifies me that anyone can possibly justify the continuation of this evil non-system in light of the fact that it's not just "the poor and lazy" who are going bankrupt here.

In terms of finance, we force 700,000 Americans into bankruptcy each year because of medical bills. In France, the number of medical bankruptcies is zero. Britain: zero. Japan: zero. Germany: zero.

while i do believe that most of these bankrupties are r/t to medical crisis, i believe there are also some who refuse to pay their medical bills, knowing that this type of unpaid debt, will not affect your credit rating.
i've heard folks say this time and time again.

however, i did find viking's post about other countries w/zero bankruptcy, fascinating...
and find it worthy of further research.
if true, it is very telling about our coverage, or lack of.

leslie

Yeah, and what I call criminal is paying $440 a month for health insurance through my employer that pays....for......NOTHING!!!

That's right. I have had this insurance for a year, paid thousands of dollars into it.........and they are refusing to cover any of the expenses for my hyperparathyroidism, which have already topped a thousand bucks and continue to mount. We haven't even gotten to the DEXA scan and the renal U/S I just had a couple of weeks ago, let alone the surgery I'm going to need. Why? Well, according to them it's a "pre-existing condition", even though I have never been officially diagnosed with the condition until now.

Somebody please, tell me how in the name of all that is reasonable can an insurance company get away with ripping off consumers, month after month after month, and NOT having to provide the services we are paying for??!! And how is that moral, or right, or even good business?? My husband and I are already in so deep from having so many medical expenses over the past year for our REAL pre-existing conditions that I don't see us ever getting out from under the crushing debt load..........of course the hospitals and doctor's offices never bill us for everything all at once so we never really know just how much we owe them, but I know it's in the tens of thousands and probably will reach six figures before this particular episode of my life is over.

I feel like I'm shoveling (insert vulgar term for 'feces' here) against the tide when I pay my co-pays at the time of service and then open up the bills two months afterwards to find that my insurance company has denied yet another claim. This is what has convinced me---a political conservative in almost every other way---that single-payer health care is the ONLY way for middle- and lower-income people to survive financially, at least if they're past 35 and have a few medical issues.

I think you all know I work hard and play by the rules; I'm not lazy, looking for handouts, or trying to cheat the system. So how is it that some folks evidently think it's perfectly OK for an insurance company to cheat ME??!!

Just venting.........I am really, really ANGRY about this and it mystifies me that anyone can possibly justify the continuation of this evil non-system in light of the fact that it's not just "the poor and lazy" who are going bankrupt here.

In terms of finance, we force 700,000 Americans into bankruptcy each year because of medical bills. In France, the number of medical bankruptcies is zero. Britain: zero. Japan: zero. Germany: zero.