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Insurance transition from protection against highly unlikely emergencies to our default payment system is the biggest scam in world history.
Yeah, it’s a big misunderstanding to think that insurance is not a product. It is product. The problem is that these companies all have the most shit versions of this product. It’s like living somewhere where every sandwich shop had a slice of bolongne on white bread, and they just changed which brand of mayonnaise they used.
This is a serious part of the problem. Home insurance, car insurance, can be bad, but at least you don’t usually have to deal with them. You can go years without needing anything from your home insurance.
You WILL need healthcare, minimum once a year. Most people need it every month or every few months. Your car insurance doesn’t pay for your oil changes or new tires because those are guaranteed maintenance costs, not unexpected emergencies.
What kind of libertarian bullshit is this?
Think about it for more than 2 seconds.
What are insurance companies here for?
What does libertarianism have to do with anything? The US health insurance industry is objectively evil. It exists solely to extract profits, while providing no service. It’s just a middleman between you and health care providers. It’s a poster child for regulatory capture and blatant corruption.
Profit…
No, they socialize the risk of becoming ill.
Are privatised health insurances in the USA shit right now?
Sure.
But as a European with nationalised healthcare let me tell you: we also have (heavily regulated) health insurances.
The alternatives is: every health problem is a potential cause of financial ruin.
Hold up. You’re a European with nationalized heathcare, and you’re saying criticizing US health insurance industry is some “libertarian bullshit”?
First of all - what the fuck are you talking about?
Second of all - how would you even know?
Tbf, the original image post just vaguely says “health insurance companies”. It doesn’t refer specifically to US health insurance, does it?
I . . . suppose it doesn’t specify US health insurance.
Lol health insurance profits go brrrrrrrrr
Profit…
America is largely de-industrialized, it doesn’t “make” much, so instead it’s dominated by Usury, ie financial Capital.
So Tricare, one of the USAF providers pays more than CMS, , generally speaking. I was at a small community pharmacy today that has two employees, both pharmacists, both running the register, calling in refills, talking to insurance, stocking shelves, unloading trucks. They had a sign up saying they can no longer afford to fill Tricare prescriptions, because they won’t pay enough for the two-owner employee team to cover the cost of medicine alone, not to mention bottles, caps, labels and ink. That’s not counting store rent, utilities, and other costs.
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I’m really sorry to hear that. I did a very quick search, so I’m not sure how current that information is, with regard to executives. Do you live near enough the VA facility to schedule an in-person visit? If not, can you contact them and ask for assistance in meeting your needs? Do you receive any sort of disability or Medicare, that can help cover costs? If you may or not qualify for disability, please request go online and request your DD-214, and start proceedings to get your records to and apply. If I’m understanding correctly (and I may not be, my information is sparse and outdated), the government has to prove that any disabilities did not arise from your service duties.
I’m currently trying to help a community veteran with this process, so if you’ll DM me so I don’t forget, I’ll pass along information as I learn, but we just requested the DD-214 this week, so it may be a long, convoluted process. My very best of luck to you, I am sorry this is how we thank our service members and vets for their service. I appreciate you, and I’m pulling for you.
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That’s rough, and entirely distasteful to be treated so poorly. Have you spoken with anyone at your nearest VA? It may take several calls of being passed around, but maybe there is someone who can help you find the care you need and can afford, with Triwest. I’d also call/write my state and national legislators, and save a copy of their replies. And finally, please consider a letter to the editor of your nearest local newspaper. If they publish it, maybe someone who has successfully navigated some solutions will see it and come forward, with helping you in successful self advocacy. Maybe there are support groups for such things where veterans help each other navigate these obstacles? Someone may be able to direct you.
You are so welcome, my friend, and thank you for the tip. If I can be off any assistance in researching solutions, again, please feel free to reach out. I’d be honored to do anything I can reasonably do to find any available solutions.
Hello, I am wondering if there are any of these clinics in your area? https://nafcclinics.org/get-care/
Yeah the actual health care providers get the screwjob on a regular basis. Meanwhile there’s some insurance fatcat going door to door doing sales to employers.
I shit you not I once watched an insurance middleman asshole come into the office and be like “the problem with health care costs is definitely not the insurance companies”. Like yeah, it’s totally not the fact that you have a job going around to the offices in the area accomplishing nothing, Mr. Combover, it’s totally the health care workers that actually provide service that are the problem.
I’ve worked in, for and with the health insurance industry, in the past, and adjacent industries (mental, physical, occupational, speech therapies, gp* skilled nursing facilities, etc). It’s definitely the middle -men.
They like to push the blame on:
- “Torts” because why allow people killed or very injured by crappy medical practice to sue? /s
- “Government regulation” because we all know that the US government is just out of hand when it comes to regulatory assistance to the public /s (Seriously though the fact that the government got involved proves that people were bleeding out of the ass for decades after being fucked so hard by the healthcare and health insurance industries)
- Greedy healthcare facilities …now these sometimes could carry maybe 0.5% of the blame, but (a) they’re actually providing a service, and (b) it’s not always the case that they’re trying to rake you over the coals…sometimes they’re just trying to keep the lights on
A few major issues that immediately spring to mind: corporate/wealthy individual lobbiests, insurance corporations buying up entire practice providers/insurance-owned pharmacies, such as CVS.
This is why I’d rather die then go to the doctor.
insurancemedical mafiaWhy can’t we have universal healthcare or a public option?
Yeah no kidding. A company gets to profit off keeping us from getting treatment and it’s just accepted and normal.
Is this a US thing that I’m to Europe to understand?
Yeah in the United States of Billionaires healthcare is a product to extract profit from in every way possible.
Pharma companies get public funding for research and then turn around and charge insane prices for the final product infuriatingly referring to research costs to justify their pricing.
Hospitals are bought and run by investment companies.
“Insurance”
scammerscorporations have their own fiefdoms that they control so there’s very little competition and their sole reason for existing is to take your money and deny coverage for absolutely anything they can possibly deny you for so they keep the most money possible.We have The Best System In The World™ (for the ultra wealthy)
Apparently, yeah.
You probably haven’t even shot up a school or anything have you.
Get that person a hamburger and a mountain dew stat!
Insurance is a product. Just because you don’t like the product doesn’t make it fake.
Words have meaning.
Words do have meaning. But putting paperwork and process around something that would happen anyway and claiming that paperwork and process IS the thing that would happen anyway is bullshit.
It’s a “product” like “AI” is “artificial intelligence”.
Whatever you say, it’s your head cannon we live in.
They literally don’t even have a product.
Then don’t buy it.
(I’m tired of the oversimplification that gets voted to the top of any social media)
The in-network healthcare providers don’t trust my employer’s insurer. So much so, they require full payment up front. At this point, I don’t know what in-network even means. I no longer buy it.
Yikes. I’m guessing that provider has had issues being paid by this insurer in the past?
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The product is you not going broke in case you break your arm.
Doesn’t mean that the american healthcare system is good, it’s a disaster. But claiming insurance is a bad thing is moronic aswell. These are the people that want “free healthcare” like most oft europe, not realizing that the “free” part is because wie habe (somewhat) mandatory health insurance.
Insurance must be the only industry that actively tries not to deliver the service that its customers pay them for.
well there’s the whole telecom industry too
And car insurance. And wall street. And Google with Pixel Pass. Actually I think capitalism just fails to deliver in general.
I think every industry strives to be able to not deliver something after being paid, they usually just can’t get away with it.
No no, you’re confusing the product and the customer. The customer is the stockholder and investor who owns equity in the insurance company, or in its bank. The product is quite literally denying care.
If you squint your eyes just enough, insurance is like gambling… You are betting that something is going to happen to you, the insurance company is betting against that. The insurance company can improve their chances by adding conditions to that something.
It’s way worse than gambling. When you win a jackpot there are laws that require you to get paid out.
Insurance companies can just say no and fight you in court until you die because it’s cheaper for them to pay some lawyers than for your treatment.
That’s the part that makes the US system insane.
In countries with a public health care system, the goal of the patients and the doctors is the same. Everybody’s goal is to prevent diseases and sickness, and to treat it when it isn’t prevented. The administrators just estimate how much funding is needed to achieve that goal.
In the US system, the patients are trying to prevent and treat their sicknesses and diseases. The administrators are trying to find ways to avoid paying for any treatments, and the doctors make more money if they can find a way to bill more things.
And, what’s especially insane is that healthcare really isn’t a normal market like other things. If you’re buying a truck, you can shop around, haggle with salespeople, etc. If you’re hit by a truck, you’re not going to be comparison-shopping emergency rooms.
…what? Insurance companies are not a “barrier” between doctors and patients. What, do you think some sort of insurance gremlin will manifest out of the ground and kick you in the nuts if you try to visit a doctor while uninsured? Doctors don’t care whether you’re insured or not, as long as they get paid. Insurance companies exist to soften the blow of expensive treatment. The product is not getting completely fucked over if you get very unlucky, just like with any other insurance (life insurance, car insurance, whatever). It’s kind of like bitcoin mining pools, but the other way around. Now, is mandatory health insurance justified? That’s a different discussion.
