No, it's completely true. I understand that you don't have the first clue about this stuff. But that doesn't make it untrue. You're better not to wade into these waters. You don't know how any of this works. You haven't the first idea.
If I don't have the first idea why are you agreeing with me?
Oh, so things just got bad? Where have you been? The problems have been there for a very long time.
Never said they don't, and they are all a result of the same thing, government interference in the market. Instead of simply making sure that insurance companies actually have enough assets on hand to meet the potential demand and actually honor the policies they write, a perfectly reasonable use of government oversight, they started mandating that insurers cover all sorts of things as a result of contracts they negotiated with unions. That drove up the cost of medical care, and every ignorant idiot in the world wants to blame the insurance companies for that.
Yet, somehow, I am the one that doesn't know how things work.
Why can't you simply be honest about what people are saying, instead of misrepresenting their statements just so you can tear down the straw man? How about you address what I actually said, which is the fact that the insurance companies pay THEMSELVES for your health care, more than they pay to the doctor. If your policy covers $20,000 in health services, you'll only receive about $6,667 in services before they cut you off. It's like going to the grocery store to buy a gallon of milk, and the store taking back 2/3 of the gallon after you've paid for it. No wonder it's so damn expensive anymore.
Excuse me? Didn't I predict that the next thing you would be telling me is that insurance companies make money?
Funny thing, I have never had an insurance policy that cut me off before I reached there limit. Not once in my entire life. Not only that, I have never actually met anyone who has ever had that problem, yet people keep telling me it happens, and trot out stories about a friend of a friend who knows someone who met a guy who had a brother it happened to. In other words, you are full crap.
In the grand scheme of things, the amount of patients who either pay cash or are seen by a doctor free of charge is a miniscule minority. And these patients end up having limitations on the total care they can receive. Now, if we move on and actually address what I said, most patients will not have their health care needs met by a singular doctor. There will be times when their primary care physician needs to refer them to a specialist.
In the grand scheme of things the number of patients who have their insurance companies cut them off before they reach the limit of their insurance is a infinitesimal fraction of the number of people who pay cash, yet you have no trouble trotting out your lie in order to justify your position. The difference here is I was mocking your position that, if a doctor refuses to accept insurance, he does not exist, while you are trying to argue insurance companies are evil corporations because they do things that never happen.
Which one of us desperate?
Why does that matter? Well, I've already explained it, but I'll try one more time with a slightly different example. Let's say that you have catastrophic coverage, and you pay for primary care out of pocket. Your primary care doctor refers you to a specialist because you've developed an odd grown somewhere on your body. The specialist diagnoses you with cancer, and prescribes a treatment regimen, which is going to end up costing $100,000. But guess what? You think that your catastrophic coverage is going to cover it? Nope! You know why? Because the referral didn't come from a doctor that the insurance company does business with. So, they're going to reject your claim, and make you pay out of pocket for EVERYTHING. And if you try to go back to a different doctor to get the initial referral, do you know what they are going to say? They're going to REJECT your claim, as a pre-existing condition! Because now they have evidence that you knew you had cancer before you ever sought treatment.
Really? Catastrophic coverage covers all medical expenses over a certain amount, and has no restrictions on your primary care doctor or the specialists. The reason for that is rather simple, it is not an HMO.
Want to explain it again, because you are making even less sense now that you did before.
This is how the insurance companies essentially force doctors to do business with them. Because under such limitations a doctor cannot sustain his business. Would you go to a primary care doctor, if that's what was going to happen to you if you ever became seriously sick or injured? Of course not.
I know plenty of doctors that accept some plans, but not others. If the world worked the you claim they would all go out of business because they don't accept The A;might Conglomerate That Controls The Universe plan. Care to explain how that works, or does the fact that people have choices escape your notice again?
When have I ever said anything against people making profit? Point out one time. OTHERWISE SHUT THE **** UP AND STOP PUTTING WORDS INTO MY MOUTH THAT I NEVER SAID, PAINTING ME WITH A FONT 7 SIZED BRUSH TO COMPLETELY TWIST AND MANIPULATE MY WORDS INTO SOMETHING THEY ARE NOT.
What was that? I have trouble reading little letters.
As to you having a problem with people making profits, didn't you just totally misrepresent how insurance companies make profits?
This is your favorite M.O. isn't it?
Mocking idiotic statements? Pretty much, does it bother you? One solution would be to stop making idiotic statements.
Actually, we've had this discussion already several times. The number one drag on the office's resources is THE INSURANCE COMPANIES. I see you've completely ignored how she spent nearly 48 hours just battling with them over one patient, who nearly died in the process. Medicare has nothing to do with this discussion.
She doesn't have to fill out all the Medicare compliant paperwork? They must farm it out to a claims specialist, how much does that run them?
By the way, I call bullshit on the story you just posted. Doctors treat patients first, then worry about insurance, especially if the problem is life threatening. Matter of fact, I am pretty sure there is a law that actually requires them to treat anything that is life threatening regardless of ability to pay.