UpAndAbout
Active Member
- Mar 19, 2012
- 417
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You're not going to answer the question are you? Instead you will hide behind 'collectivism'...if ENOUGH human beings DIE, they will come back and protest outside the insurance company's corporate offices.
But, I'm sure those dead people will choose a different insurance carrier ...IN THEIR NEXT LIFE.
WTF!??? No, that's not what I said. Now take a deep breath and try to pay attention. If the insurance company sent me letter refusing to do what they said they would, I'd promptly call the state insurance commission and I'd fully expect them to do something about it. There's nothing at all implied in the concept of free markets that allows companies to rip you off.
There are people employed by insurance companies whose sole job is to go over your health records with a fine tooth comb and find a loophole, a previous treatment for a mole, wart or something they can create a link to your current illness, and they get rewarded for finding and denying treatment.
THAT my naive friend is how a 'free market' works. Insurance companies are not in the healthcare business. They are in the PROFIT business. Denial of expensive treatments feed the bottom line.
Do you understand the keys to a market transaction? Do you understand the term 'leverage'? If one party in a market transaction has little or no leverage, it is NOT a free market. It is a captured market.
This is true in HMOs, yes, we had one and if you didn't break your arm on the right day of the week or the person processing your claim was having a bad hair day, your payment was denied. HMOs are another form of socialized medicine, Obamacare, whatever you want to call it. all the doctors are paid the same whether they are quacks or not. They refuse payment so management can get big bucks, all the while paying the doctors a fixed income and denying as much as they can in the way of coverage for treatment. I want no part of it. We have NEVER had anything denied on our current insurance. As long as go to a preferred provider, of which we have zillions to choose, in fact all physicians in Washington state practically, it pays for it.