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Groups > sci.electronics.design > #460038
| From | Don Y <blockedofcourse@foo.invalid> |
|---|---|
| Newsgroups | sci.electronics.design |
| Subject | Re: Why Have Medical Insurance? |
| Date | 2017-05-12 17:33 -0700 |
| Organization | A noiseless patient Spider |
| Message-ID | <of5k1j$hef$1@dont-email.me> (permalink) |
| References | <oeqk5a$akq$1@dont-email.me> <of5gdp$8tr$1@dont-email.me> |
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!
> 2. The insurance company negotiates the fees charged.
So, if everyone has insurance, then no one gets a "deal".
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.
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.
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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
Re: Why Have Medical Insurance? John Larkin <jjlarkin@highland_snip_technology.com> - 2017-05-08 14:54 -0700
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-08 18:08 -0400
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Re: Why Have Medical Insurance? bitrex <bitrex@de.lete.earthlink.net> - 2017-05-08 21:08 -0400
Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-08 21:14 -0400
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
Re: Why Have Medical Insurance? kevin93 <kevin@whitedigs.com> - 2017-05-10 12:40 -0700
Re: Why Have Medical Insurance? Don Y <blockedofcourse@foo.invalid> - 2017-05-10 21:02 -0700
Re: Why Have Medical Insurance? kevin93 <kevin@whitedigs.com> - 2017-05-11 16:31 -0700
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
Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-11 20:26 -0400
Re: Why Have Medical Insurance? John Robertson <spam@flippers.com> - 2017-05-11 21:11 -0700
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-12 00:41 -0400
Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-12 19:44 -0400
Re: Why Have Medical Insurance? John Robertson <spam@flippers.com> - 2017-05-12 22:10 -0700
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-08 21:26 -0400
Re: Why Have Medical Insurance? bitrex <bitrex@de.lete.earthlink.net> - 2017-05-08 21:31 -0400
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
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-10 13:35 -0400
Re: Why Have Medical Insurance? dagmargoodboat@yahoo.com - 2017-05-10 11:25 -0700
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-10 18:18 -0400
Re: Why Have Medical Insurance? dagmargoodboat@yahoo.com - 2017-05-10 18:38 -0700
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-10 19:09 -0700
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-10 18:49 -0700
Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-08 21:37 -0400
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
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-09 01:14 -0700
Re: Why Have Medical Insurance? amdx <nojunk@knology.net> - 2017-05-10 14:19 -0500
Re: Why Have Medical Insurance? dagmargoodboat@yahoo.com - 2017-05-10 18:30 -0700
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-10 21:46 -0400
Re: Why Have Medical Insurance? dagmargoodboat@yahoo.com - 2017-05-10 18:53 -0700
Re: Why Have Medical Insurance? bitrex <bitrex@de.lete.earthlink.net> - 2017-05-09 09:29 -0400
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
Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-10 13:41 -0400
Re: Why Have Medical Insurance? dagmargoodboat@yahoo.com - 2017-05-10 11:44 -0700
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-10 18:40 -0400
Re: Why Have Medical Insurance? dagmargoodboat@yahoo.com - 2017-05-10 18:49 -0700
Re: Why Have Medical Insurance? kevin93 <kevin@whitedigs.com> - 2017-05-10 19:18 -0700
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
Re: Why Have Medical Insurance? kevin93 <kevin@whitedigs.com> - 2017-05-11 20:19 -0700
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-11 21:43 -0700
Re: Why Have Medical Insurance? "dcaster@krl.org" <dcaster@krl.org> - 2017-05-12 17:16 -0700
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-12 18:52 -0700
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-10 19:27 -0700
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-08 19:43 -0700
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-08 20:30 -0700
Re: Why Have Medical Insurance? Tom Gardner <spamjunk@blueyonder.co.uk> - 2017-05-09 08:28 +0100
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-09 01:20 -0700
Re: Why Have Medical Insurance? Tom Gardner <spamjunk@blueyonder.co.uk> - 2017-05-09 09:39 +0100
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-09 12:22 -0400
Re: Why Have Medical Insurance? Tom Gardner <spamjunk@blueyonder.co.uk> - 2017-05-09 17:37 +0100
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-09 12:47 -0400
Re: Why Have Medical Insurance? Spehro Pefhany <speffSNIP@interlogDOTyou.knowwhat> - 2017-05-09 07:58 -0400
Re: Why Have Medical Insurance? Don Y <blockedofcourse@foo.invalid> - 2017-05-09 06:33 -0700
Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-09 12:48 -0400
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-09 12:26 -0400
Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-09 20:08 -0400
Re: Why Have Medical Insurance? Don Y <blockedofcourse@foo.invalid> - 2017-05-08 15:55 -0700
Re: Why Have Medical Insurance? bitrex <bitrex@de.lete.earthlink.net> - 2017-05-08 19:39 -0400
Re: Why Have Medical Insurance? Don Y <blockedofcourse@foo.invalid> - 2017-05-08 18:34 -0700
Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-08 20:49 -0400
Re: Why Have Medical Insurance? John Larkin <jjlarkin@highland_snip_technology.com> - 2017-05-08 17:55 -0700
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-08 20:10 -0700
Re: Why Have Medical Insurance? Tom Gardner <spamjunk@blueyonder.co.uk> - 2017-05-09 08:33 +0100
Re: Why Have Medical Insurance? Don Y <blockedofcourse@foo.invalid> - 2017-05-09 00:55 -0700
Re: Why Have Medical Insurance? Tom Gardner <spamjunk@blueyonder.co.uk> - 2017-05-09 09:21 +0100
Re: Why Have Medical Insurance? Don Y <blockedofcourse@foo.invalid> - 2017-05-09 01:47 -0700
Re: Why Have Medical Insurance? mike <ham789@netzero.net> - 2017-05-09 04:06 -0700
Re: Why Have Medical Insurance? Don Y <blockedofcourse@foo.invalid> - 2017-05-09 06:00 -0700
Re: Why Have Medical Insurance? mike <ham789@netzero.net> - 2017-05-09 16:30 -0700
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-09 20:08 -0400
Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-09 20:10 -0400
Re: Why Have Medical Insurance? mike <ham789@netzero.net> - 2017-05-09 19:50 -0700
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Re: Why Have Medical Insurance? Don Y <blockedofcourse@foo.invalid> - 2017-05-09 19:30 -0700
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-09 20:55 -0700
Re: Why Have Medical Insurance? mike <ham789@netzero.net> - 2017-05-09 21:44 -0700
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-09 23:46 -0700
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-09 12:33 -0400
Re: Why Have Medical Insurance? dagmargoodboat@yahoo.com - 2017-05-10 10:47 -0700
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-10 18:44 -0400
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
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-12 00:31 -0400
Re: Why Have Medical Insurance? "billbowden" <bperryb@bowdenshobbycircuits.info> - 2017-05-12 15:19 -0700
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
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-13 02:21 -0400
Re: Why Have Medical Insurance? dagmargoodboat@yahoo.com - 2017-05-21 09:47 -0700
Re: Why Have Medical Insurance? "billbowden" <bperryb@bowdenshobbycircuits.info> - 2017-05-22 18:38 -0700
Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-23 18:38 -0400
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-09 12:31 -0400
Re: Why Have Medical Insurance? Tom Gardner <spamjunk@blueyonder.co.uk> - 2017-05-09 17:40 +0100
Re: Why Have Medical Insurance? Frank Miles <fpm@u.washington.edu> - 2017-05-08 23:39 +0000
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-08 19:34 -0700
Re: Why Have Medical Insurance? amdx <nojunk@knology.net> - 2017-05-08 22:04 -0500
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-08 18:03 -0400
Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-08 20:02 -0400
Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-08 18:41 -0400
Re: Why Have Medical Insurance? mike <ham789@netzero.net> - 2017-05-08 19:04 -0700
Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-08 22:17 -0400
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-08 22:27 -0400
Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-08 22:30 -0400
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-08 20:30 -0700
Re: Why Have Medical Insurance? Don Y <blockedofcourse@foo.invalid> - 2017-05-08 19:33 -0700
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-08 22:55 -0400
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-08 20:21 -0700
Re: Why Have Medical Insurance? bloggs.fredbloggs.fred@gmail.com - 2017-05-09 09:13 -0700
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-09 12:45 -0400
Re: Why Have Medical Insurance? bloggs.fredbloggs.fred@gmail.com - 2017-05-10 08:05 -0700
Re: Why Have Medical Insurance? dagmargoodboat@yahoo.com - 2017-05-10 19:04 -0700
Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-10 22:38 -0400
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-10 23:03 -0400
Re: Why Have Medical Insurance? dagmargoodboat@yahoo.com - 2017-05-21 09:30 -0700
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-22 01:24 -0400
Re: Why Have Medical Insurance? John Robertson <spam@flippers.com> - 2017-05-08 14:22 -0700
Re: Why Have Medical Insurance? Jim Thompson <To-Email-Use-The-Envelope-Icon@On-My-Web-Site.com> - 2017-05-08 17:08 -0700
Re: Why Have Medical Insurance? bitrex <bitrex@de.lete.earthlink.net> - 2017-05-08 20:20 -0400
Re: Why Have Medical Insurance? bitrex <bitrex@de.lete.earthlink.net> - 2017-05-08 20:30 -0400
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
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-12 19:49 -0400
Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-12 20:14 -0400
Re: Why Have Medical Insurance? amdx <nojunk@knology.net> - 2017-05-12 19:27 -0500
Re: Why Have Medical Insurance? Don Y <blockedofcourse@foo.invalid> - 2017-05-12 17:38 -0700
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-12 21:22 -0400
Re: Why Have Medical Insurance? jurb6006@gmail.com - 2017-05-12 21:43 -0700
Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-13 11:04 -0400
Re: Why Have Medical Insurance? Lasse Langwadt Christensen <langwadt@fonz.dk> - 2017-05-13 09:13 -0700
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
Re: Why Have Medical Insurance? Don Y <blockedofcourse@foo.invalid> - 2017-05-13 13:39 -0700
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-13 16:56 -0400
Re: Why Have Medical Insurance? Lasse Langwadt Christensen <langwadt@fonz.dk> - 2017-05-13 14:04 -0700
Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-13 17:18 -0400
Re: Why Have Medical Insurance? Lasse Langwadt Christensen <langwadt@fonz.dk> - 2017-05-13 14:41 -0700
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-13 21:17 -0700
Re: Why Have Medical Insurance? amdx <nojunk@knology.net> - 2017-05-15 13:55 -0500
Re: Why Have Medical Insurance? dagmargoodboat@yahoo.com - 2017-05-21 10:27 -0700
Re: Why Have Medical Insurance? bill.sloman@ieee.org - 2017-05-21 21:53 -0700
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Re: Why Have Medical Insurance? amdx <nojunk@knology.net> - 2017-05-12 20:11 -0500
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Re: Why Have Medical Insurance? amdx <nojunk@knology.net> - 2017-05-13 09:19 -0500
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Re: Why Have Medical Insurance? krw@notreal.com - 2017-05-12 22:37 -0400
Re: Why Have Medical Insurance? Don Y <blockedofcourse@foo.invalid> - 2017-05-12 19:46 -0700
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Re: Why Have Medical Insurance? dagmargoodboat@yahoo.com - 2017-05-21 09:56 -0700
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