The Fairytale History of Health Insurance:
Health Insurance would provide a service where the client sends in Monthly checks for your entire life. When the client needs, Hospitalization, Surgery, ER Emergency, Illness, Doctor Visits, Specialists, Medications etc. the insurance company uses the clients money to cover any medical issue. Of course the Health Insurance Companies would charge a reasonable fee for their services since they deal directly with your doctors and medical institutions.
What The Hell Happened?
Health Insurance Companies realized the more money the refused to pay the richer they became, and they sold their souls to the Deity of the Dollar. The Health Insurance Companies started restricting its coverage, constantly increasing rates, and finding ways TO NOT PAY YOUR CLAIM.
Health Insurance Companies employ a whole fucking department of people who’s only job is to review client claims and FIND ANY REASON/LOOPHOLES so your Healthcare Provider WON’T HAVE TO PAY YOUR CLAIM, essentially doing the opposite of its intended purpose.
Seriously the Health Insurance’s business model wouldn’t work for any other business because people wouldn’t use it and it’d go bankrupt. What other industry or company or product maker raises their prices periodically all year, every year WHILE REDUCING THE SERVICES.
Would you tolerate your local grocery store say constantly increasing the price of Milk for instance and at the same time giving you less milk for your money. If your grocer continued raising the price of a gallon of Milk from today’s current price of $2.25 up to$3.75 ,and then a month later to $6.00 and then $7.99 next month and so on all year long. BUT not only is your grocer raising the price but SIMULTANEOUSLY your grocer would be giving less Milk for the Money. See as the price goes up you’d get less Milk at first it be just a little under a gallon then 2/3 of a gallon, and then only half a gallon at newly inflated GALLON Milk prices.
Then there’s The Deductible which is one of the greatest and greediest scams in Health Insurance History. The deductible works as follows. You pay a set amount of money out of your own pocket for your medical care WHILE SENDING A CHECK EVERY MONTH TO YOUR HEALTH INSURANCE PROVIDER. Can you say “Legal Double Billing”?! That be the equivalent of taking your car to your mechanic and he makes you fix the car yourself (using your labor and cash for needed parts) and then giving you a bill for the repair. ITS FUCKING INSANE THAT PEOPLE PUT UP WITH THIS CORRUPT CAPITALISTIC GREED LIKE THIS EVERY DAY.
I will once again use a Bullet Point format for the rest.
- My Aunt Ellington needed a hip replacement, and put it off for years in spite of the fact they she had what is considered a good health care provider. She asked me politely not to name the Health Insurance Company and out of respect for her I won’t. She knew the out of pocket would be a significant amount of money. She finally had the surgery and it cost a total of $117,000. Her insurance company paid only $17,000 leaving her with a $100,000 in medical bills, AND THEY STILL WANTED THEIR MONTHY PAYMENTS.
- I had a best friend in high school named Brooklyn Billy Bob who I still talk to sporadicly to this day. Right before I met Brooklyn Billy Bob his family had just moved in with his grandmother not by choice but necessity. The family didn’t have a lot of money to speak of. During the long moving process Brooklyn Billy Bob’s dad, who had a serious health issue pertaining to his heart, couldn’t afford his heart medication. As a result Brooklyn Billy Bob’s dad DIED because he couldn’t pay for his LIFE SAVING MEDICATION.
- Pharmaceutical companies who work hand in hand with your Health Insurance Company DO NOT CREATE CURES, THEY CREATE CLIENTS. Think for a second on how the Pharmaceutical companies are COMMERCIALIZING YOUR HEALTH FOR PROFIT.
- Lets not forget the American Government whose politicians make MILLIONS on Health Insurance and Pharmaceutical companies Lobbyists HAVE INSTATED A $2,500 YEARLY FINE if you DON’T have (lets be honest its if you don’t pay for) Health Insurance.
- When I went to rehab for a vicious heroin addiction which SAVED MY LIFE my Doctor had to call/talk to my Health Insurance Provider DAILY because they wanted to booted out asap so they wouldn’t have to pay any more claims. My Doctor had to LIE TO HELP SAVE MY LIFE. Each day my doctor got on the phone with my Health Insurance Provider and had to lie so I didn’t get kicked out because my Health Insurance Provider didn’t want to pay to cover my again LIFE SAVING treatment. My Doctor was smart he knew I COULDN’T be removed from Rehab IF i was either SUICIDAL or HOMICIDAL (the rule is simply you can’t be taken out of treatment for Insurance reasons if your a threat to yourself or others). My Doctor did this dance for 17 days and I did end up getting released early because of the bullshit with my Health Insurance Provider (who ultimately got what they wanted which was ending treatment asap)
- EVEN WORSE my Wife is an RN who works in the Drug Addiction field and the Insurance vs. Rehab War continues. Since the dawn of Drug Rehab Health Insurance companies have been trying with all their financial might to DENY ALL ADDICTS LOOKING FOR HELP. The Insurance Companies HATE REHAB because unfortunately addicts relapse and may need more help to stay clean and healthy. Insurance claims this “Revolving Door” of the Rehab field justifies NOT PAYING ANYONES REHAB CLAIMS EVER AGAIN. The war has raged for decades, BUT finally the Insurance Companies have started to win. They have rearranged protocols in their favor. Example there is a treatment evaluation used when a patient is admitted to a rehab that gauges their current physical health from 1-10 with 10 being the worst. The Insurance companies have announced that if a patient comes in to be admitted if their symptoms are 1-5 THEY AREN’T PAYING because in their opinion aren’t in actual need of medical help. They are also making medical institutions write EVER THING in a patients medical chart 3 requiring the ENTIRE treatment teams signatures. This is a way to encourage little mistakes by the staff that the Insurance Companies can then use to DENY THE PATIENT CARE. This will create a massive social problem. If drug addicts can’t get help the keep using, and if they keep using they keep lying, cheating, stealing, robbing and scaring to feed their habit before it ends their life prematurely. Its bad enough our prisons are over crowed due to drug offenses (such as possession) that has created a over crowding situation. This over crowding allows NEW OR REPEAT VIOLENT OFFENDERS being brought into the prison system to be released extremely early because there is no place to put them. The fact is drug addicts should be sentenced to Rehab NOT PRISON, Addiction is called a disease BUT its actually a treatable Metal Disorder.
- One thing a that baffles me in the Health Insurance field is they DON’T PROVIDE FERTILITY COVERAGE FOR WOMAN OR MEN. The Insurance Companies will chip in once a woman is pregnant. WHATS WEIRD is Health Insurance Companies are GREEDY AS FUCK so why wouldn’t they cover fertility?! MY POINT if a couple has a kid then the kids going to need Health Insurance and thus get added to their parents policy and then at 18 they have to pay for their own policy. So kids equal customers and customers equal cash.
- When I had Hepatitis C which if untreated will end your life painfully and prematurely I saw a Specialist who was a fucking godsend, a miracle in the form of a man. There at the time I was seeking treatment a slew of new and more effective Hep-C drugs hitting the market. It was because the FDA was pumping cash into the Hep-C drugs after they announced the #1 health problem facing America was Liver Transplants. My Doctor researched EVERY drug and decided one a 2 medication combo that had virtually NO SIDE EFFECTS (up till VERY recently the only treatment for Hep-C was Interferon injections which have the identical side effects as Chemotherapy causing a whopping 91% of prior patients to end treatment before completing the course of Interferon ) AND IT COULD CURE HEP-C as opposed to possibly wrestling it into submission like Cancer. Well no surprise my Health Insurance Provider wasn’t at all happy about my treatment plan. My Specialist called my Health Insurance Provider and managed to get them to clear his treatment plan for me by USING THEIR GREED AGAINST THEM. His argument simply was this by biting the bullet and paying for my treatment NOW then I’d live a full lifetime which meant my Health Insurance Provider would continue to get monthly checks much longer. Bottomline Dead People DON’T FUCKING PAY FOR HEALTH INSURANCE HEALTHY PEOPLE DO.
- JUST YESTERDAY I went to my local pharmacy to pick up my medication and was told the price was $131.00 when I was paying $10 with my HUMANA Insurance plan. The Pharmacist told me my HUMANA insurance card expired so I thought it was no big deal I’d just have to order a new one. I called HUMANA my Insurance Provider as soon as I got home, and the representative informed me my Health Insurance had been CANCELLEd AS OF JANUARY 31ST.. I’ve been with that Insurance company 14-15 years and NEVER missed a single payment. So as you can image I was in a state of shock, awe and serious confusion. I asked the representative why and he proceeded to duck my question for an hour before finally coming up with this statement “HUMANA is NO LONGER providing the plan I was insured under in my area.” I asked him what the fuck that meant as thats not a proper answer and to me made no fucking sense at the time. Again he would answer fully and just kept repeating his “NO LONGER IN YOUR AREA” statement so I hung the fuck up. I immediately called back and asked the second representative the question of what the previous statement meant. She had no problem answering me and said with out a pause “HUMANA IN FACT HAD DECIDED TO NOT INSURE ANYONE ANY MORE IN MY ENTIRE STATE.” This means 100’s of thousands or more people LOST THEIR HUMANA/HUMANA ONE HEALTH INSURANCE COVERAGE BY NO FAULT OF THEIR OWN. Bottomline HUMANA/HUMANA ONE decided to stop providing coverage for the ENTIRE STATE because it was a “High Claims State” and what do Health Insurance Companies hate? Yup PAYING YOUR HEALTH INSURANCE CLAIMS.
- SHOP AROUND! While Health Insurance is a Scam based on FEAR and GREED you should opt for the lesser of all the evils, and by evils I mean the Health Insurance Companies. I got dropped by HUMANA due to HUMANA’S GROWING NEED FOR GREED, but in the end I got NEW plan with BLUE CROSS BLUE SHIELD with not only the SAME COVERAGE for LESS MONEY and FULL DENTAL & OPTICAL which I never had with HUMANA/HUMANA ONE.
In Summation the Salvation of Health lies in Social Medicine. I know back in the early days when the American politicians where debating The Affordable Care Act the greedy unethical and immoral GOP launched a propaganda campaign demonizing social medicine. The claims the Republicans made WERE ABSOLUTELY FALSE it was a blatant fear tactic to scare the American public into submission and it worked. Why did it work so well?
Americans believe whatever they hear now a days instead of thinking about them first. A pivotal point in the propaganda was social medicine would increase taxes, BUT IF the American public had stopped and done the math they would easily see the tax would be FAR LESS THEN THE CURRENT PRIVATE HEALTH INSURANCE COVERAGE.
If you remember my Aunt got stuck with $100,000 medical bill AFTER HER HEALTH INSURANCE PAID THEIR PART ($17,000 out of at total cost of $117,000) SO I ask you which costs more a tax increase or a $100,000 medical bill after being fucked over by your Health Insurance Provider?!
Its unAmerican that Capitalism now dictates your health care. You pay or you SUFFER and you pay or you DIE. We have the doctors, facilities, treatments, and medications that could help heal people BUT we will let them SUFFER AND DIE because MONEY IS MORE IMPORTANT THAN PEOPLE.