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Groups > sci.electronics.design > #460041
| From | amdx <nojunk@knology.net> |
|---|---|
| Newsgroups | sci.electronics.design |
| Subject | Re: Why Have Medical Insurance? |
| Date | 2017-05-12 20:11 -0500 |
| Organization | A noiseless patient Spider |
| Message-ID | <of5map$rn8$1@dont-email.me> (permalink) |
| References | <oeqk5a$akq$1@dont-email.me> <of5gdp$8tr$1@dont-email.me> <of5k1j$hef$1@dont-email.me> |
On 5/12/2017 7:33 PM, Don Y wrote:
> On 5/12/2017 4:31 PM, amdx wrote:
>> I have health insurance for two reasons.
>> 1. It protects my life savings from a $300,000 hospital bill.
>
> And how does it "protect" them? Does it change your RISK of getting sick?
> Does the mere act of purchasing health insurance make you healthier? Less
> LIKELY to need health care?
>
> Or, does it shift your EXPOSURE to that risk -- by offloading it onto
> some other payer (i.e., the insurance company)?
>
> Where does the insurance company come up with the money to pay YOUR
> $300,000 bill (if you ever incur the need for that sort of care)?
> Do they convince the providers to forgive ALL of those fees?
>
> In which case, does the provider just stop paying its employees
> for the services they've provided?
>
> There's no free lunch. If you incur $300,000 of care, SOMEONE is paying
> that $300,000 -- if YOU aren't (because you "protected yourself")
>
> I.e., someone who *didn't* incur healthcare costs that met or exceeded
> what he paid *to* the insurer ("insurance industry") is effectively
> subsidizing
> your care. They are assuming a part of your risk exposure.
>
> Of course, if you are UNLUCKY enough to NOT need that care, then YOU
> will subsidize someone else's care!
As long as I can remember or since the kids were born 23 years ago,
I don't ever recall hitting my deductible. So the insurance company has
not paid a claim. So I have been subsidizing others care, but that's
what insurance does. I have a $10k deductible and hope I never hit it.
Hit about $4,500 one year when my son had his wisdom teeth pulled.
>
>> 2. The insurance company negotiates the fees charged.
>
> So, if everyone has insurance, then no one gets a "deal".
I don't know, I do think that if no one had insurance healthcare would
be much cheaper, but we would also not have as much high tech equipment
in use.
I'm not sure of your point, I just know that I get a bill and the
insurance company cuts in in half and more, I had a test that was $32
and the insurance company allowed $3.32. I doubt the tester wants to
continue that test.
>
> Or, the folks who *don't* get a deal end up not paying their bills.
> Do you think the provider just operates at a loss -- indefinitely?
>
>> I'm already charged more, up from $4,512 in 09 to $11,232 today,
>> because I was charged for other people getting sick.
>
> YOU ALWAYS PAY FOR OTHER PEOPLE WHO ARE SICK. Regardless of whether
> or not they have insurance. I.e., if you want to be extremely selfish
> (like ME), you would want everyone to be as healthy as possible.
> If the total number of dollars expended on healthcare goes down,
> then it only stands to reason that the average money expended per
> person also goes down. Regardless of whether they are paying in cash
> or via an insurer.
>
Golly, a throw away line sure got a lot of heckles up.
> If there are 3 "sickies" in the ER ahead of you (because they are
> MUCH sicker than you), aren't you incurring a cost in terms of
> inconvenience? Being made to wait while in pain, discomfort or,
> potentially, in a life-threatened state? And, all 3 of them may
> be indigent -- not paying a dime for their care, directly.
And they probably haven't showered for days!! Those dirty indigents.
Mikek :-)
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Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-08 16:27 -0400
Re: Why Have Medical Insurance? "dcaster@krl.org" <dcaster@krl.org> - 2017-05-08 14:20 -0700
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Re: Why Have Medical Insurance? bitrex <bitrex@de.lete.earthlink.net> - 2017-05-08 21:08 -0400
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Re: Why Have Medical Insurance? dagmargoodboat@yahoo.com - 2017-05-10 09:33 -0700
Re: Why Have Medical Insurance? bloggs.fredbloggs.fred@gmail.com - 2017-05-11 05:29 -0700
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Re: Why Have Medical Insurance? Don Y <blockedofcourse@foo.invalid> - 2017-05-11 16:39 -0700
Re: Why Have Medical Insurance? Don Y <blockedofcourse@foo.invalid> - 2017-05-11 16:44 -0700
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Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-12 19:44 -0400
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Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-08 21:48 -0400
Re: Why Have Medical Insurance? dagmargoodboat@yahoo.com - 2017-05-10 10:24 -0700
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Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-08 19:52 -0700
Re: Why Have Medical Insurance? amdx <nojunk@knology.net> - 2017-05-08 22:58 -0500
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Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-09 12:13 -0400
Re: Why Have Medical Insurance? dagmargoodboat@yahoo.com - 2017-05-10 09:38 -0700
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-10 13:25 -0400
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Re: Why Have Medical Insurance? dagmargoodboat@yahoo.com - 2017-05-10 11:44 -0700
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Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-10 20:12 -0700
Re: Why Have Medical Insurance? "dcaster@krl.org" <dcaster@krl.org> - 2017-05-11 19:16 -0700
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Re: Why Have Medical Insurance? Tom Gardner <spamjunk@blueyonder.co.uk> - 2017-05-09 08:28 +0100
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Re: Why Have Medical Insurance? Spehro Pefhany <speffSNIP@interlogDOTyou.knowwhat> - 2017-05-09 07:58 -0400
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Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-10 19:37 -0700
Re: Why Have Medical Insurance? "billbowden" <bperryb@bowdenshobbycircuits.info> - 2017-05-11 20:54 -0700
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Re: Why Have Medical Insurance? Don Y <blockedofcourse@foo.invalid> - 2017-05-11 22:22 -0700
Re: Why Have Medical Insurance? jurb6006@gmail.com - 2017-05-12 21:33 -0700
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-12 22:11 -0700
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Re: Why Have Medical Insurance? "billbowden" <bperryb@bowdenshobbycircuits.info> - 2017-05-22 18:38 -0700
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Re: Why Have Medical Insurance? amdx <nojunk@knology.net> - 2017-05-08 22:04 -0500
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Re: Why Have Medical Insurance? mike <ham789@netzero.net> - 2017-05-08 19:04 -0700
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Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-08 20:42 -0700
Re: Why Have Medical Insurance? amdx <nojunk@knology.net> - 2017-05-12 18:31 -0500
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Re: Why Have Medical Insurance? amdx <nojunk@knology.net> - 2017-05-12 19:27 -0500
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Re: Why Have Medical Insurance? jurb6006@gmail.com - 2017-05-12 21:45 -0700
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-12 22:27 -0700
Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-13 11:06 -0400
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-13 08:40 -0700
Re: Why Have Medical Insurance? Reinhardt Behm <rbehm@hushmail.com> - 2017-05-14 00:01 +0800
Re: Why Have Medical Insurance? amdx <nojunk@knology.net> - 2017-05-15 09:32 -0500
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-15 10:45 -0400
Re: Why Have Medical Insurance? amdx <nojunk@knology.net> - 2017-05-15 13:48 -0500
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-16 01:40 -0400
Re: Why Have Medical Insurance? Don Y <blockedofcourse@foo.invalid> - 2017-05-15 07:48 -0700
Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-15 20:30 -0400
Re: Why Have Medical Insurance? Jasen Betts <jasen@xnet.co.nz> - 2017-05-28 12:10 +0000
Re: Why Have Medical Insurance? "Kevin Aylward" <kevinRemovAT@kevinaylward.co.uk> - 2017-05-13 21:11 +0100
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