I know both the patient and provider sides of healthcare delivery in America. To bill insurance companies for patient visits I had to hire a biller to navigate the absurd complicated rules for getting reimbursed. I had to pay the biller 7% of my fees just to collect the money. Insurers in America are horrible institutions. Every claim they pay is a business “loss”. Of course, they don’t want to pay for what customers pay them to pay. They exclude this or that type of treatment and charge ridiculous premiums. For myself, I had to pay $550 per month for my health policy, and it didn’t include dental care. Aren’t teeth a critical part of the body? Most plans don’t pay properly for mental health disorders. Isn’t the mind important? Most CEO’s of insurance and drug companies may make as much as $30,000,000 a year!
In American health, A few people get wildly rich and most others get shafted. We have to pay too much for less than adequate coverage. Copays, coinsurance, exclusions, and deductibles all obscure the costs policy holders have to pay. Have you tried to read the contracts for the health care insurance? As Woody Guthrie said, “Some will rob you with a six gun and some with a fountain pen.” Corporations don’t exist to serve your needs but to get more and more of your money in exchange for fewer and fewer services and products.
The insurers’ key advantage is if you don’t treat a heart attack, stroke, brain aneurysm, cancer, mental illness, lung disease, etc, you will die. This motivates every shmo to buy the crappy insurance. Everyone knows the system stinks, unless you are an insurer or biller or drug company. But somehow many if not most hospitals in the US are very close to bankruptcy. I don’t quite understand this but I think it is because insurers benefit from cost cutting measures enforced on hospitals. After all, hospital stays cost an immense amounts of money. Insurers want to discourage hospital spending so they underpay for hospital costs. This had led to, for example, breast cancer surgery being an outpatient procedure. Keep ’em out of the hospital or ’em get ’em out as fast as possible. Lot’s of healthcare and comfort in that, right?
I have seriously considered dying before getting medical services that might push me into bankruptcy, as it has very many patients. “Your money or your life?”. I would like say, “Go to hell, shoot me!”. Of course, that is a rather radical decision. But if everyone did it the medical industrial complex would collapse. Its like with Trump. The only way to defeat him is to not pay attention to him. Call his bluff. Ignore the bastard who is working to ruin your life. “Yeah, come and get me!” Would you sacrifice your life to take down the oppressors? It a war. And, in war people often sacrifice their lives for something they believe in.
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