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Groups > sci.electronics.design > #460092
| From | rickman <gnuarm@gmail.com> |
|---|---|
| Newsgroups | sci.electronics.design |
| Subject | Re: Why Have Medical Insurance? |
| Date | 2017-05-13 11:34 -0400 |
| Organization | A noiseless patient Spider |
| Message-ID | <of78r2$kd7$1@dont-email.me> (permalink) |
| References | (1 earlier) <of5gdp$8tr$1@dont-email.me> <of5k1j$hef$1@dont-email.me> <of5map$rn8$1@dont-email.me> <of5nke$6sg$1@dont-email.me> <of74g0$6nh$1@dont-email.me> |
On 5/13/2017 10:19 AM, amdx wrote:
> On 5/12/2017 8:34 PM, rickman wrote:
>> On 5/12/2017 9:11 PM, amdx wrote:
>>> 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.
>>
>> You clearly don't understand insurance.
>
> Odd that you would say that especially after I told you why I have
> insurance,
>
>
>
> *You* are paying to be covered
>> should you need medical care.
>
> Duh!
>
>
>> You may not have been able to take advantage of that coverage, but
>> that's a good thing, no? MUCH better than needing medical care and
>> NOT having insurance.
>>
>
> Duh!
>
>> Also, they get you lower rates than if you paid directly. MUCH LOWER.
>>
>> A friend bought dental insurance at the suggestion of the dentist's
>> office. It isn't a lot and doesn't pay for much if anything. But the
>> dentist charges *much* lower rates, about half.
>>
>
> Pretty stupid for the dentists office, if he wanted less money for his
> work, he could charge less. Probably the front office screwing the boss.
>
>
>
>>
>>>>> 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.
>>
>> You don't know how cheap some tests are.
>> Remember they are done in a fast paced, laboratory production line.
>
>
>
> God you are a genius, please tell us ignorant people all you know.
> Clearly you think I'm ignorant, and If I am, there are a whole lot more.
> So, just start at the beginning, we are all listening for your wisdom.
>
>
>> This isn't some guy holding a test tube over a Bunsen burner. They
>> use fancy equipment because tests largely become automated and so very
>> inexpensive.
>>
>> Insurance payments are *negotiated*. If they are too low to pay for
>> the test, the provider won't work with that insurance company.
>>
> They can make it up on other tests.
> This just happened to be a repeat of one test in the panel.
> The paperwork is worth $3.23.
The lab doesn't do paperwork. It's all automated. See above.
--
Rick C
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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
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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? krw@notreal.com - 2017-05-11 20:26 -0400
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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 21:26 -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
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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
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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
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
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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
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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
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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
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Re: Why Have Medical Insurance? mike <ham789@netzero.net> - 2017-05-09 16:30 -0700
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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
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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
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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
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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
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Re: Why Have Medical Insurance? Jim Thompson <To-Email-Use-The-Envelope-Icon@On-My-Web-Site.com> - 2017-05-08 17:08 -0700
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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
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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
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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
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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
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Re: Why Have Medical Insurance? rickman <gnuarm@gmail.com> - 2017-05-13 12:00 -0400
Re: Why Have Medical Insurance? Don Y <blockedofcourse@foo.invalid> - 2017-05-13 09:14 -0700
Re: Why Have Medical Insurance? dagmargoodboat@yahoo.com - 2017-05-21 09:56 -0700
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