I love when I come across some good information I can pass on to you. The latest is the insurance company issues.
As the video shows, not everyone has insurance. Insurance claims get denied and insurance CEOs get rich. What's the deal?
First of all, the medical system is the only monopoly everyone turns a blind eye to because there are a system of wealthy doctors and lawyers in place to fight any charges. There are Senators and Delegates in their back pockets. It's a system that can take advantage because there is nothing to go up against it. And it IS a monopoly.
How do you beat it?
Find good hearted doctors who are willing to open clinics that don't charge erroneously like the hospitals do. For sitting in the waiting area, for getting your blood pressure checked before seeing the doctor, for getting walked to a room waiting to see the doctor, for having a nurse check your vitals...etc. The hospitals hit you hard for everything.
A clinic with well-intentioned people could provide care to their patients and not charge for everything, just what was actually the reason for the visit. That's an idea.
Here's another one. Allow us to import pharmaceuticals from Canada if they are less expensive. This would drive our own costs down because there would be competition. Competition produces results. A pill that costs $107 is ridiculous. But when it's the only pill around and it's the one you need, I guess you'll come up with the money. What if there was a choice? If there was a choice, I bet that pill would no longer go for $107.
Finally, there should be a faster process for making an insurance company pay. Insurance companies often have a policy in place to deny a claim three times before finally coming through with the money. That's a policy that is put in place to divert worthy customers from receiving their due.
They pay for years and the insurance company takes their money. But when it's time to pay up because a person gets sick, the insurance company will actually deny the claim to see if the customer will give up and quit. If not, they deny the claim two more times for the same reason and to stall. See, some people die in the process. If that happens, the insurance company doesn't have to pay because the claim was denied and the person isn't there to dispute it.
It's sad. But, it's how a business person thinks. People aren't human. People are assets that pay money. But, they don't need health care. That's what a CEO thinks.
So, don't quit. Put another claim in as soon as possible and get ready to do it again. Don't be afraid to sue the insurance company after the first denial. Have a lawyer look over your policy and go for the big bucks.
But, there should be a fast process to all that. People who are deathly ill should get the treatment they need and not have to fight the insurance company for it. There should be an agency in place who can kick in and handle the insurance company while you get better.
Child Support has one. The IRS has one. An insurance company agency should be put into place and one phone call should be all that is required. Submit copies of your policy and your claims denial. Then, something hits the fan. That would be great!
