Health Insurance or Not?

It’s turned into a debacle. Started as a way to attract Workers during WWl ll, when wages freezes we’re in effect, now it’s expected. Everyone wants to get something for free. The reality is your paying, one way or another. I think it would be better if the Coverage was separate from Employment. How many folks are trapped in a job, because they have good health benefits? Even though the pay isn’t the best.

 

Competition maybe? No more $65 aspirins in the emergency rooms

 

The problem is unreal hospital bills. I mean ########, scam to perfection bills. I guess, there is not point of compering them to what common folks paid before even 60's. Normal people without insurance can't pay any of that.

 

For sure. My friends wife was ill a couple weeks ago.He took her to one of those emergency care places. They checked her out, gave her some meds. Then they asked "you want us to notify you family doctor?". He figured sure why not. So they did. He got the bill, and they charged him $50 to notify their doctor.

 

I am NOT a Bernie not. However Medicare for all sounds better and better. But it must be phased in. We just can't wake up tommorow and insurance companies were gone

 

They still exist, although much more limited than 10-15 years ago. I ran my insurance agency for years doing nothing but selling short-term policies in all 50 states. They were a great barometer of how the economy was doing, or was about to do. When people start to get laid off, sales went through the roof.

 

Keep the policy, you're getting a bargain even for a catastrophic policy. Health insurance by design is for asset protection, not to pay for prescriptions and office visits. You can owe a hospital the amount of your deductible, or owe them the complete amount of the bill, which as we all know can run hundreds of thousands.

 

I looked into hospital billing and ran into a brick wall.

The Commisars in the old USSR would be very pleased with that state secret billing stuff.

Trust me the hospital CODES EVERYTHING. If they wiped you with a towel and threw it into the bio waste bin to be incinerated on site in the basement, they hang two barcodes on the magnetic board at the end of your bed. One for the cost of the towel plus inflated dollar amount equal to ten towels and another the fuel cost to incinerate it.

Then they hit you with reams of bills filled with codes that are quite the puzzle for everything consumed in your care. Even the sheets you lay on is billed to you. Something else.

I have demonstrated a repeated attitude that I do not see a hospital unless life itself is impossible or pending death possibly by a complication that might be prevented in a hour or less by medicines we cannot source at home. Thats the difference you see.

OTC pills is pure crap for all the good they do. But inside a hospital is a range of medicines where many things become fixable in a few minutes.

 

One thought that did not occur to me until just a minute ago. (Typical me, sleeping at the railroad switch...)

I never saw the original billing generated last dec in my surgery etc. I had to get records from ROI (Release of information) before the true horror became known.

In other words the hospital knows now never to send you original bills if they can fight over it with insurance on the phone or online instead. You don't have any idea...

 

Don’t let it lapse. $258 is CHEAP and when you think about how your entire financial life could be in ruin due to something as simple as an injury, it’s just not worth risking. Or, maybe you need a procedure but no insurance. Maybe that affects being able to work and you go broke in the business.

I could go on and on. I’ve paid tons and tons to insurance companies over the years. You gotta protect yourself and your business bro. Still a small investment for you relatively speaking with what you got going on.