Health insurance is one of the greatest grifts in this country.
My employer and I pay these corporate mega giants every pay period for the privilege of them paying for my care. What do I get in return? Oh I still pay out of pocket until deductible met. Oh even after deductible met, there’s an out of pocket maximum. Only then will insurance fully kick in. Oh and you can only pick “in network” providers, otherwise another set of complex policies and limits take effect.
???
They create the rules. Make it as complex as possible for all parties (ie, medical coding/billing). Doctors get screwed as much as possible. Cost of medical care artificially inflated due to dedicated teams and high amount of time spent to properly code and bill each visit. Insurance companies even have dedicated teams to deny as many claims as possible. Want that expensive treatment for your rare illness covered? Insurance will fight your doctor until either you or doctor give up, pay out of pocket, or just forego the treatment completely.
We may have the most advanced healthcare in the world. But it’s largely not accessible, and it shows in world health care statistics
xyst|2 years ago
My employer and I pay these corporate mega giants every pay period for the privilege of them paying for my care. What do I get in return? Oh I still pay out of pocket until deductible met. Oh even after deductible met, there’s an out of pocket maximum. Only then will insurance fully kick in. Oh and you can only pick “in network” providers, otherwise another set of complex policies and limits take effect.
???
They create the rules. Make it as complex as possible for all parties (ie, medical coding/billing). Doctors get screwed as much as possible. Cost of medical care artificially inflated due to dedicated teams and high amount of time spent to properly code and bill each visit. Insurance companies even have dedicated teams to deny as many claims as possible. Want that expensive treatment for your rare illness covered? Insurance will fight your doctor until either you or doctor give up, pay out of pocket, or just forego the treatment completely.
We may have the most advanced healthcare in the world. But it’s largely not accessible, and it shows in world health care statistics