Health Insurance

[Hoover]

Originally Posted by BigRedChief

We have for profit hospitals and insurance plans. They are no better.

Businesses will deny healthcare just to keep their profit margins. You got an expensive cancer? Heres the phone number for Hospice.

You can keep the same system we have now and everything would be great if you face where most of the money goes, end of life. We will spend on average 45% of our total healthcare expense in our whole lifetime in the last 6 months of our lives.

Families cant just let mom or granny go. All the expensive care is covered so lets spend a million or more giving her another 3-6 months of life. If we could just let the elderly at the end of life die instead of spending treasure to give our 87 year old grandma another 3-5 months. But, thats never going to happen.

You are missing my point.

State and federal governments mandate that insurance companies cover all sorts of things. So even if it’s impossible for my wife and I to conceive a child, our health coverage has to contain coverage for pregnancy. All the mental heath issues? Mandated to be covered. Some dude thinks he’s a woman trapped in a dudes body. ****ing covered.

Let the consumer decided what coverage they actually want or need and it would be more affordable. The Shia broken because it’s required to cover all things for all people.

[Chief Roundup]

Originally Posted by Hoover

You are missing my point.

State and federal governments mandate that insurance companies cover all sorts of things. So even if it’s impossible for my wife and I to conceive a child, our health coverage has to contain coverage for pregnancy. All the mental heath issues? Mandated to be covered. Some dude thinks he’s a woman trapped in a dudes body. ****ing covered.

Let the consumer decided what coverage they actually want or need and it would be more affordable. The Shia broken because it’s required to cover all things for all people.

This post is not entirely accurate.
You or your employer can and does choose various options of what their plan will or will not cover.
Cancer, mental/nervous, specialists is generally an add-on/rider policy and not covered unless you pay extra.
The hospital that I work at does not cover specialists, basically anything with an 'ologist in the title until you hit your max out of pocket.

[BigRedChief]

Originally Posted by Hoover

Let the consumer decided what coverage they actually want or need and it would be more affordable. The Shia broken because it’s required to cover all things for all people.

Ala Cart would never work. This isn’t streaming. People would select the absolute cheapest option.

What happens when they get sick with something that wasn’t covered and they don’t have the money to pay for the treatment? We just tell them you are SOL pal?

Should have paid for better insurance. That’s never happening. They will just go to the hospitals that have to take anyone. Me and you will pick up the bill.

[Buehler445]

Originally Posted by BigRedChief

Ala Cart would never work. This isn’t streaming. People would select the absolute cheapest option.

What happens when they get sick with something that wasn’t covered and they don’t have the money to pay for the treatment? We just tell them you are SOL pal?

Should have paid for better insurance. That’s never happening. They will just go to the hospitals that have to take anyone. Me and you will pick up the bill.

Not me.

The wife's plan raised rates and the company lowered the coverage, which is nice, so they rolled out some lower cost plans. It took all of 5 minutes to figure out that if you use the plan at all for anything other than an annual checkup, the premium savings wouldn't outperform the coverage.

But you're right, if you're going to roll with lower coverage, you need to keep the jack available to cover medical expense. I don't remember where I saw it, but somewhere I saw the percentages of bankruptcies that were attributable to hardship from medical was pretty staggering.