We need to end the need to have multiple insurance coverages. We should have 1 insurance, to cover any and everything we own/health. We should not be paying insurance companies monthly rates that we do not use. Then being punished for using it when it is necessary.
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Are you insisting that all insurance companies be required to cover all kinds of insurance?
Like auto insurance companies should also be legally required to be in the medical insurance business and such?
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Car insurance is already in the medical insurance field.
When someone is in a car accident medical is included as part of their car insurance settlement.
For example, long ago when I was in a bad car accident and was taken by ambulance to the hospital, later the ambulance wanted my medical coverage information.
I gave them both my car and health insurance coverage. Yet they ignored both of them and still came after me that I had 30 days to pay the full amount or be sent to collections.
I didnât have medical coverage for myself directly with my car insurance but because the person that hit me was uninsured, I was indeed covered by my car insurance under uninsured motorist coverage.
So my claim to my Car Insurance included the copay for the hospital and the ambulance charge.
Plus they added a $1,000 Medical reimbursement so that I couldnât claim for any further medical in the future.
So yes, we need only 1 insurance to cover everything, not multiple insurances just so that we can pay multiple times for the Same coverage.
Auto Insurance often provides better coverage than a private health insurance. They donât require pre-authorization. They donât say this is allowed but this is not. There are different rules and regulations for Auto versus healthcare in each State. So there are going to be different policies in government impacting the insurance.
In some states, Auto Insurance usually allows the providers to treat the patient with their Medical education and clinical skills provided they document the need. Some are reviewed and may be denied when there are lawsuits involved. But for the most part they are much better at actually paying for the care.
Health Insurance corporations are not so. There are HMOs, PPOs etc. I definitely do not want an HMO for my auto insurance. What a nightmare that would be.
Auto Insurance also pays for the damage to the car whereas Health Insurance does not. In addition to the rules and regulations that are different for each type of Insurance and various States, that one company would have to make a profit and survive paying out on claims.
There are actually Insurance companies that will provide you with more than one insurance coverage such as home and auto. I donât think people should be forced to have one. I prefer to have the freedom to choose. People who want to umbrella coverage under one policy or company can do that if they want. But others should not have to.
Also I prefer the following so we have freedom of choice of where to seek care and also manage our money better.
As long as any insurance company decides what medical treatment and medications are allowed, there is no real health care in USA.
An insurance company pressured my doctor to stop the only anti inflammatory pain relief cream that worked for me and allowed me to sleep. Because it had to be made special and cost a lot. I havenât bothered with going to a doctor for medical since then, over 15 yrs ago because if one gets something that actually helps, itâs going to be taken away.
If one looks at a doctorâs bill to insurance it is just a game between the two of them. Not about the sick customer.
Could give other examples. Drs are willing to even make you worse in order to please the insurance company in order to get paid. And risk life. Hospitals will even leave sick people on street corner when insurance runs out. This news is very limited because media goes with big business.
We sick and injured donât count in the medical field, only the money which is a game between medical and insurance.
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Iâm more so meaning health insurance not medical if someone is hurtâŚ
Yes, Iâm insisting that all insurance companies offer all services under one umbrella with a flat rate. We pay out tons of monthly premiums for multiple policies that donât even get used and then weâre punished for using those policies. It does not make sense. It needs to be looked at
My my point really is that we need to look at it and maybe do some adjusting. I think that they are robbing the everyday hard-working American and then punishing us for having those same insurance coverages when weâre using themâŚ
Maybe you should try starting an insurance company that covers everything they way you insist existing insurance companies should do and see how that works out for you.
All youâre doing here is revealing how little you know about how economics work.
An HSA gives people freedom to spend where they want and for wellness care. Personally I would prefer if people paid cash for their healthcare. People have become blindly depedendent on insurance. Healthcare Insurance should only be for emergency and catastrophic conditions. People should be taking responsiblity to pay cash for wellness care to prevent getting ill. That is proactive. There are people who do it. There are those that cannot afford it and would like to. There are also those who donât do it at all and have no desire to do it. Most of them expect the insurance company to pay for everything instead of saving to put toward their own health. Nothing is more valuable than your health. You canât function without it. But people give complete control to a Corporation that is not a Doctor to decide what should and should not be done. Insurance Corporations are stock investors. They are for profit businesses. There needs to be a shift in society not to expect them to pay for their wellness care.
An HSA allows pretax money to go into an account to spend on healthcare. That means the money you make goes into the account prior to you being taxed. And can be used toward your healthcare without every taxing you on it. Thatâs the advantage of an HSA. It allows freedom of choice. There does need to be improvements made to make it more available to everyone and increase contribution/investment amounts. Also to expand the what you can spend it on by your own choice. But it currently does allow for some Alternative care etc.
Medical is too costly in the USA.
Many people travel to other countries like Mexico, Thailand, etc. They get better modern care than in USA, for a much lower price.
But the poor canât afford the travel costs.
Not just medical but dental and vision also.
Too greedy in USA, and too dishonest.
I recently needed dental for a damaged nerve in my tooth. Dentists, with dental insurance, wanted $800-$1,000 in ADDITION to my dental insurance payment.
Yet on my dental plan said costs started at $90 copay up to $150 additional depending on the type of crown.
I told the dental people that I was poor, couldnât afford it, and couldnât afford to put myself in that kind of long term debt. They didnât care insisted $800 was the cheapest.
The dental insurance didnât care I was being way overcharged by any dentist I asked based on their written plan copay listing.
When I went careful over the plans copays the cheapest was a metal crown. Since it was a back tooth I didnât care. I asked and at least they were willing to go with the corrected copay of $90.
But another dental office still would have refused, claiming they didnât carry metal anymore. Which doesnât sound right since some porcelain crowns have metal underneath 1st to make it stronger.
But then they wanted almost another $800 copay for root canal before I could get the permanent crown put in. Still canât afford $800 so Iâm stuck with the temporary crown that is starting not to work and my damaged nerve is kicking up a storm esp when I eat.
I even qualified for Medicaid but they say that for example if my dental insurance covers $400 cost and they cover $400 cost, then my insurance has already covered what they would cover and they cover Zero.
A relative just had a friend whose husband had a bad tooth and they went to Mexico and got it fixed for low cost compared to what dentists wanted here.
Not only health insurance but all medical, dental, vision has become an unaffordable scam industry in USA.
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There are multiple lines of insurance because insurance companies are subject to various levels of regulation, and make business decisions to focus on one line of business over another. Generally insurance companies are divided into Personal Lines (home, auto), Commercial Lines (business), Life, and Health. The economics and underwriting requirements are unique to these lines of business. A company that successfully sells home and auto insurance probably has no expertise in Life or Health insurance. Forcing them to provide coverages they donât want to write, or adequately understand, will only make the problem worse. And donât think for a minute that some sort of grand unified insurance premium covering âeverything that happensâ will be a bargain. That premium will be at least as large as the individual premiums combined for each (currently separate) line.
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I was in healthcare for 20 years. When i first got into it i was a lowly pharmacy tech. I got an Rx from a patient on my very first day at the pharmacy. It was for Lortab 10mg tablets. The MD had written âbrand nameâ at the bottom of the script. I filled it accordingly. When it got to the pharmacist, he sent it back with the instruction to make it generic. I pointed out the note, and still he insisted. Said insurance wouldnt accept the note unless it said âbrand name medically necessaryâ. I offered to call the doctor to inform him, but he said not to bother, that the doctor knew that full well and that he had only written that to appease the patient, whom he assumed was a drug dealer and only wanted the blue pills because they would fetch a higher street price.
The patient came to pick up their medicine and immediately checked inside. When they raised the concern, the pharmacist snapped at them, saying âthis isnt burger king! YOU CANNOT HAVE IT YOUR WAY!â
the same patient came back the next day with their face all swollen due to an allergy to the dye in the generic. The pharmacist wouldnt talk to her.
My first day in the medical field. If i were truly smart i wouldâve quit that day.
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We need to remove the requirement that people obtain insurance. Also there are several threads already started with regards to insurance.
States need to run insurance, not companies. That is what the state department of insurance was for. For profit insurance should be prohibited. Commissions should be prohibited, it should be salary or hourly only.
What exactly are you talking about??
We do not need one insurance company for heavenâs sake! That is the road to hell and absolutely would be giving them complete control.
We need a free market and all insurance needs to be able to be sold across state lines!
You want lower prices? Open the markets. Stop this state line control of insurance.
You want dictatorship?
Give the products to one entity.
We need freedom and absolutely NOT the handing over the reigns to one insurance company.
Get the government out of insurance!
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When i learned about what fluoride does to people, i completely boycotted it. In the process, my dental care went out the window with it. A decade later, my teeth looked like something from the cryptkeeper.
Iowa medicaid put $30,000 into my mouth, and made it look presentable. Maxed out the coverage for a two year period though. The very next year i broke a molar and they wouldnt cover it. Said id need a bridge and it would cost $15,000.
Later that year i was in Malaysia and one of my fillings broke, causing pain. I walked in to a dentist office, experienced no wait, got both of the problems fixed in 30 minutes, no insurance, paid 30 ringit ($15 USD).
I went to Cambodia next, and caught a walking pneumonia. Went to a clinic, and saw a nurse, respiratory therapist, doctor, radiologist, followup with doctor, given 7 prescriptions, and had them filled before i left the clinic with a hard copy of my xray. The entire ordeal took less than an hour, cost equivalent of $12 USD. They said to come back for a free followup in 3 days, which i didnt do since i had a ticket back to malaysia already.
The walking pneumonia would have cost at least $20,000 total here in the US, and would have seen me laid up in a hospital for days to see the same practitioners i saw in Cambodia in an hour.
Id been been in healthcare in the US for 20 years, and am well aquainted with what to expect. The Cambodian level of care puts us to shame. We are a total disgrace.
Wow calm down. Geez .
I think that we can have different insurance companies, but they need one price and to cover anything you would need it for. That is my thoughts anyway.
Insurance companies have too much say on what you can use the coverage for. They collect each month and then when you actually need it, they can deny it. It needs to stop.
They can have rules, for example that if you are caught cheating the system you can no longer have coverage. Etc .
Obviously this is not the final draft, but it is a conversation starter.
Hope that helped you understand Heidi, have a great dayđ
That is NOT what the state insurance commissioner and the department under them is for.
Every person on this thread need to read up and educate themselves. Because the reality is, your thoughts are based off incorrect knowledge.
I agree the insurance industry is screwed up. Thank our government for that final screw.
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You are correct Jerry Berg.
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Marie, you apparently want communism/socialism, a state controlled life. Please, I beg of you, educate yourself to what insurance is supposed to be.
Risk Management.
Not a place to whine to with every single loss you have. And I am referring to Homeowners Insurance when I say that. The âsystemâ is abused by many homeowners. They have someone steal their garden tools, they file a claim, their kid backed into the garage door and left a little dent, they file a claim.
Homeowner Insurance used to be the cheapest, the most logical insurance to own and the RISK far outweighed the loss. You have a $2500 deductible and you manage the small losses keeping your premium low.
That money that you pay in, is âpooledâ by thousands and thousands of other policy owners to cover a home that is, destroyed by fire, a tree falling on it, a car smashing threw the front, a hailstorm that ruins the roof, et cetera. It benefits everyone, including yourself, and YOU are managing your RISKS, WISELY.
Yes, there is a âliabilityâ section on a Homeowner policy that pays out medical, IF someone gets hurt on your property and threatens to sue you. For example, your deck is rotten and someone falls through it and is badly hurt. Your Homeowners covers their medical bills up to the amount that YOU insured yourself on your policy. But the policy is not a Health Insurance policy. It is a property risk policy. Same as an Automobile insurance policy. People who own a home and auto. most times can combine these policies with the same insurer and get a discount. But theyâre still two insurances.
RISK MANAGEMENT.
The notion that PROPERTY insurance, either Home or Auto, as well as
HEALTH insurance should be combined into a single insurance policy is not logical and
would NOT benefit you or anyone.
These are DIFFERENT RISKS.
You need to manage your pocketbook differently and simply realize they are different.
Health Insurance companies were given TOO much power, and the American people were totally screwed by Obamaâs government âtakeoverâ of health insurance.
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