Why do health insurance companies have to be so difficult?!?

[bugeye]

Yeah, I have heard about the wonderful socialist health care pkg in Canada, However that doesn't explain the many Canadians I see visiting the doctors here in America every year. Funny, when I speak with these Canadian residents they always tell me how bad the health insurance is in Canada, and about the 6 month to one year wait to see a doctor for the most minor of problems. I sure hope you don't begin believing the representatives of the crappy Canada Insurance over the actual word of Canadian Citizens... I sure know who I'm gonna believe.

Debunking Canadian health care myths - The Denver Post

This debunks most of the bunk on the nasty socialist medical system in Canada.

It also states that most Canadians that come to the US for med services are actually reimbursed by their provence.

In addition I love this bit:

"Myth: Canada's health care system is a cumbersome bureaucracy.

The U.S. has the most bureaucratic health care system in the world. More than 31 percent of every dollar spent on health care in the U.S. goes to paperwork, overhead, CEO salaries, profits, etc. The provincial single-payer system in Canada operates with just a 1 percent overhead. Think about it. It is not necessary to spend a huge amount of money to decide who gets care and who doesn't when everybody is covered.
"
Yes, I know you folks aren't brainwashed, you just believe all the poop thrown at you from BS central!

 

[billdeserthills]

Debunking Canadian health care myths - The Denver Post

This debunks most of the bunk on the nasty socialist medical system in Canada.

It also states that most Canadians that come to the US for med services are actually reimbursed by their provence.

In addition I love this bit:

"Myth: Canada's health care system is a cumbersome bureaucracy.

The U.S. has the most bureaucratic health care system in the world. More than 31 percent of every dollar spent on health care in the U.S. goes to paperwork, overhead, CEO salaries, profits, etc. The provincial single-payer system in Canada operates with just a 1 percent overhead. Think about it. It is not necessary to spend a huge amount of money to decide who gets care and who doesn't when everybody is covered.
"
Yes, I know you folks aren't brainwashed, you just believe all the poop thrown at you from BS central!

You can De-Bunk all you want, some of the Canadians I meet are my customers. They own homes & property in Arizona & I do Lockwork for them. They tell me that your theory is BS. I'm gonna choose to believe real-live people over your brand of propaganda, after all What possible reason could my few Canadian customer's have for lying?

 

[deen_ad]

So heres the deal.. Me and my wife had a lil boy back in November.. instead of adding him to our insurance right after he was born she waited ... (about 2 months to be correct) being new parents is a little hectic and it didn't feel like a lot of time had gone by. We chose to add him to her's because her's is better then the one i get from my work and cheaper.. well when we go to add him turns out we are over the "31" days that were allowed to add a new child, no one at her work was aware of this rule, including upper management, So the insurance people told us we could write a letter of dispute to try to get them to add him.. well a month goes by and then we get a response... DENIED.... So here we have a little guy a little over 4 months old and hes denied insurance. Hes a healthy lil guy nothing wrong, actually doing amazing according to his doctor.. So now were attempting to add him to my insurance, as well as trying to get other insurance for him, through other companies...it just amazes me that someone can deny a new born insurance.. not to mention our DR bills for him are almost $12,000, and still growing...

Yep, hat's the rules, wife has the same thing on her policy, before I retired from the State of WA I know that there was a 31 day limit there to. My step daughter died about 2½ years ago, we're raising the two grandkids, one still has state medical the other just turned 19 and we have 31 days to put him on my wife's medical policy. It's NOT unusual to have the 31 day limit at all.

8 US Presidents have been NRA members. They are: Ulysses S. Grant,
Theodore Roosevelt, William Howard Taft, Dwight D. Eisenhower,
John F. Kennedy, Richard M. Nixon, Ronald Reagan and George Bush.

80 MILLION gun owners didn't shoot anyone today, a few criminals did!!

----------------------------------------------------------

The "Feedback Score" is low by 4, not everyone posts it I guess.

Deen
NRA Benefactor/Recruiter
Washington Arms Collector member
Arms Collectors of South West Washington member

 

[MikeE]

Yeah, I have heard about the wonderful socialist health care pkg in Canada, However that doesn't explain the many Canadians I see visiting the doctors here in America every year. Funny, when I speak with these Canadian residents they always tell me how bad the health insurance is in Canada, and about the 6 month to one year wait to see a doctor for the most minor of problems. I sure hope you don't begin believing the representatives of the crappy Canada Insurance over the actual word of Canadian Citizens... I sure know who I'm gonna believe.

Unlike the wonderful health care system in that utopia - Arizona.

 

[billdeserthills]

I now must tell you what recently happened here in Arizona. My friend's son (20 yrs old) shot off a knuckle in his left hand. Of course he has Access which is state-paid medical insurance. First hospital tried to send him home after cleaning & bandaging his wound, but doc on site said no. Wound up in surgery , just the first of many...Gonna cost a pile of money and he just got the range of choices he must make: Sacrifiece toe bone as link to new knuckle or have a piece of his hip bone removed & used to splice w/ new knuckle or receive a bone from a cadaver as splice, or Do Nothing. Each choice is to be covered by the state run insurance company and I am glad to see someone who is an American Citizen receive the care. Seems like pretty good free care to me Bud. I mean MikeE

 

[Kevatc]

Yeah, I have heard about the wonderful socialist health care pkg in Canada, However that doesn't explain the many Canadians I see visiting the doctors here in America every year. Funny, when I speak with these Canadian residents they always tell me how bad the health insurance is in Canada, and about the 6 month to one year wait to see a doctor for the most minor of problems. I sure hope you don't begin believing the representatives of the crappy Canada Insurance over the actual word of Canadian Citizens... I sure know who I'm gonna believe.

Like I said, the presenter I speak of is both a provider and family man so he has expereince with both sides of the patient-provider relationship and he has no bad things to say about the Canadian health care system. We could go back and forth with "I know a Candian who said ..." all day long. The point is this: the richest country in the world with the capacity to provide and deliver the best health care in the world doesn't for a sizable portion of the citizens it could provide to.

Have you ever wondered why it is that health insurance companies are recording record record profits and yet fewer people are able to obtain decent health care insurance either through their employer or on their own? Health care in America is NOT about taking care of people, it's about making money. I guess this is where I will differ from a lot of folks on a forum such as this: care rationing is cited as one of the worst things about a single payer system. All I can say is wake up. There already is care rationing and it doesn't have anything to do with ability to deliver or resources. It all has to do with who can pay and who can't.

Can't pay? We're sorry. Next.

Oh, you had "x" problem back in the day? We're sorry that's a pre-existing condition. We won't insure you. Oh, sorry to hear it's cancer. Best of luck with that. Next.

 

[moose]

Health care in America is NOT about taking care of people, it's about making money.

Those capitalistic corperate aholes. You'd think they were just out to make money for their shareholders.

Wait.....

 

[bugeye]

Those capitalistic corperate aholes. You'd think they were just out to make money for their shareholders.

Wait.....

There is a ethical difference between making consumer goods and providing health care insurance. But your point is a good one, and it is also the reason that these companies should not be allowed to provide the service. Death Pannels, yeap they got them.

 

[moose]

There is a ethical difference between making consumer goods and providing health care insurance. But your point is a good one, and it is also the reason that these companies should not be allowed to provide the service. Death Pannels, yeap they got them.

Ethical corporations.... ....you're joking, right?

 

[Kevatc]

Those capitalistic corperate aholes. You'd think they were just out to make money for their shareholders.

Wait.....

In the case of health care so long as the primary concern of a health insurance company is what's best for a shareholder and not what is best for patients our health care system will serve as an example where money is more important than people. Our health care system fosters class warfare. It's the have's and the have nots.

 

[bugeye]

Ethical corporations.... ....you're joking, right?

I get your point, and it supports mine, 'that for profit companies should not be allowed to do heath care insurance because there is always a conflict of interest that will kill people for $'.

 

[moose]

I get your point, and it supports mine, 'that for profit companies should not be allowed to do heath care insurance because there is always a conflict of interest that will kill people for $'.

Oh I totally agree with you. If it were just a matter of buying insurance and relying on it, there really wouldnt be a problem. Corporations enter into contractual agreements with clients all the time. However, in the country is the (ethical) idea that people are entitled to some level of heath care whether they buy into it or not and those expenditures are recovered the only possible way to recover them, charge more to the people that are paying. What we have now is some kind of defacto private entity taxation.

 

[The Quiet Man]

So heres the deal.. Me and my wife had a lil boy back in November.. instead of adding him to our insurance right after he was born she waited ... (about 2 months to be correct) being new parents is a little hectic and it didn't feel like a lot of time had gone by. We chose to add him to her's because her's is better then the one i get from my work and cheaper.. well when we go to add him turns out we are over the "31" days that were allowed to add a new child, no one at her work was aware of this rule, including upper management, So the insurance people told us we could write a letter of dispute to try to get them to add him.. well a month goes by and then we get a response... DENIED.... So here we have a little guy a little over 4 months old and hes denied insurance. Hes a healthy lil guy nothing wrong, actually doing amazing according to his doctor.. So now were attempting to add him to my insurance, as well as trying to get other insurance for him, through other companies...it just amazes me that someone can deny a new born insurance.. not to mention our DR bills for him are almost $12,000, and still growing...

Then there is that pesky "lil" thing called personal responsibility. You get a new/different car and one of the first things you do is call your insurance agent and add it to your policy. You get married and one of the first things you do is make sure you spouse is added to your benefit plans, as a beneficiary if nothing else. Frequent you add your spouse to your health insurance... or the subject quickly comes up as you evaluate who should go on who's policy. You are blessed with a new son and you don't add him to your insurance policy? I can't get ten feet inside my doctors office waiting room without being asked for my insurance information. How did your wife and son go to the doctor after he was born without facing the issue of insurance coverage? Your son wasn't "denied" anything. You are being held accountable for not taking care of your responsibility of getting him on your policy when you should have. Now you are blaming others for "denying" him his right to insurance. Many appear to support you in blaming big bad business, but I think a glance in the mirror will show you who got you into this situation.

 

[Kevatc]

Oh I totally agree with you. If it were just a matter of buying insurance and relying on it, there really wouldnt be a problem. Corporations enter into contractual agreements with clients all the time. However, in the country is the (ethical) idea that people are entitled to some level of heath care whether they buy into it or not and those expenditures are recovered the only possible way to recover them, charge more to the people that are paying. What we have now is some kind of defacto private entity taxation.

^^^ THIS!!!

Although I am sure someone will come back with "the insurance companies are just passing on the costs of doing business." However, in the process of passing on those costs they are making it harder and harder for people to be able to afford their product which is absolutely necessary in this day. Not having some way to cover health care costs ends up costing society in other ways like having to use very expensive ER's for non-emergency issues, bankruptcy's due to costs, etc. Essentially, fewer and fewer people each year are having to pay for the expenses of care for a growing population of people. At least with a single payer system (if it is done right) everyone who is working is paying into the system to some degree.

 

[Kevatc]

So heres the deal.. Me and my wife had a lil boy back in November.. instead of adding him to our insurance right after he was born she waited ... (about 2 months to be correct) being new parents is a little hectic and it didn't feel like a lot of time had gone by. We chose to add him to her's because her's is better then the one i get from my work and cheaper.. well when we go to add him turns out we are over the "31" days that were allowed to add a new child, no one at her work was aware of this rule, including upper management, So the insurance people told us we could write a letter of dispute to try to get them to add him.. well a month goes by and then we get a response... DENIED.... So here we have a little guy a little over 4 months old and hes denied insurance. Hes a healthy lil guy nothing wrong, actually doing amazing according to his doctor.. So now were attempting to add him to my insurance, as well as trying to get other insurance for him, through other companies...it just amazes me that someone can deny a new born insurance.. not to mention our DR bills for him are almost $12,000, and still growing...

Could you elaborate a little. There more I think on this the more I am thinking I am not getting the whole story. Were one or both of you covered under insurance pre-birth? Did insurance cover the delivery costs? If so, then I am really confused as to why you have to add the kid to insurance. Most insurances if not all have well baby checks they cover. If they covered the birth it would seem insance to me to not provide for well baby checks? Something is missing ....

 

[Scott]

Insurance companies are private businesses and can do what they want. You are not entitled to insurance. Go buy an independent policy for the child or accept the fact that he will have no insurance. That has been the position of the right all along.

That is not true as Kennedy and Obama stated it is a right meaning Obama care? According to them everyone is entitled to healthcare.

 

[duginsky]

That is not true as Kennedy and Obama stated it is a right meaning Obama care? According to them everyone is entitled to healthcare.

No constitutional provision - federal or state...

 

[billdeserthills]

Do what all the illegal aliens in my state do, move to Arizona and sign up for the State's free healthcare program

 

[bugeye]

Ryan's (Wisc Repub House) proposal defunds Obamacare, shifts Medicare and Medicade to private insurers, and lowers the top tax rate to 25%, claiming this will somehow fix our system and end deficit spending Never in my lifetime has a political party said more nonsense then this current batch of GOP sell outs. The very fact that they can utter such absolute BS and still get some traction with the general public is just plain sad. If the ship were going down they would propose cutting more holes in the hull because they could sell the materials, and so many would grab and ax and start making it so.

 

[rufus]

If the ship were going down they would propose cutting more holes in the hull because they could sell the materials, and so many would grab and ax and start making it so.

Gimme an axe! As usual, you and I are polar opposites.

Just as you are flummoxed as to how someone could be against free healthcare, I cannot understand the entitlement mentality in general. So be it.