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https://mas.to/@MikeBeas/113666556469008087
EDIT: I think you should get the service you pay for, just so that's clear.
We should stop calling it "insurance", it doesn't ensure anything. We should call it what it is - a protection racket. Either that, or we could refer to it as "medical loans" - of course, it's all paid in advance, in many installments. Oh wait. That's just defining a protection racket again, isn't it?
Loans pay out.
Oh no, each claim is a new loan application. You pay in your premium to have the right to apply.
insurance is a fucking scam that preys on the most vulnerable segment of the population in order to enrich themselves and their shareholders. and the vast majority of people think that's just the way things are in america, therefore it's the best possible way for things to be. what's not to understand?
The free market is excellent at producing, at a reasonable cost, myriad voluntary luxuries like large televisions and speedy cars. These prices are naturally constrained by the consumers' willingness to do-without. When the consumer cannot rationally choose to do-without, the elegant self-regulation intrinsic to the free market evaporates.
That why insurance should not be for profit.
Funny how life insurance always pays, no problem. Because if they get a bad rep, people will go elsewhere. We can't do that with employer-covered healthcare!
Not a meme.
Oh, look, it's the guy who doesn't know what a meme is and insists on spamming it all the time
And the guy who proved that their bio:
I say unpopular things but never something I know to be untrue. Always open to hear good-faith counter arguments. My goal is to engage in dialogue that seeks truth rather than scoring points.
Was a lie yesterday.
... This dude needs to understand how other types of insurance work
Worse than that they staff doctors in name only. The type of quacks who couldn't make it in the real medical world. I really don't understand how they can't be sued for malpractice when they argue a diagnosis with your doctor. At that point they are acting as your doctor.
That's why you have to request the documentation and proof of specialty to confirm whether they're acting out of scope.
Not a fan of the smug liberal aura this post has.
I feel like every time someone uses the word "liberal" on lemmy, the meaning of the word shifts slightly to the right.
Liberals are right wing. They're comparatively further left than conservatives but both ideologies favour capitalism as the economic system which is inherently on the right -- in opposition to a more controlled market.
The worst part is, they actually hire doctors to analyze claims and they're the ones making the decisions whether the claims are accepted or not.
Edit: clarification
I'm sure the doctors stick with reviewing claims for which they have a lot of experience, spend the time to actually review the patient's specific scenario better than the doctor who saw the patient, and aren't financially incentivized to deny as many claims as possible.
Yeah that's what I was getting at. For some reason I'm being downvoted for saying how things actually work?
Text saying how it actualy works without any indication that you think it is bad sounds like approval of the existing system by default.
If you said 'the crazy part is...' or 'they hired the doctors to give themselves the appearance of medical doctors making qualified decisions' then maybe it wouldn't have come off that way. Instead, it comes across as 'yeah, but they have doctors making the decisions so it is fine'.