American Health Care

[Heywood]

so fucking wonderful.

http://www.rawstory.com/rs/2014/11/wisc-...-hospital/

Wisc. woman dies, comes back to life, but faces bankruptcy after insurance won’t pay ‘wrong’ hospital

What a system. And the republicunts love it!

So what should the insurance company do? Just pay what ever the hospital demands? Your solution leads to hang nail treatment that cost $100,000,000 dollars and drives up costs for everyone.

Insurance companies should act as agents for those they insure. They should accept all the liability(minus co-pays) and then insurance companies and providers can work it out.

[KUSA]

She should sue the hospital for added mental anguish.

[Minimalist]

She should sue Woodie for being a fucking prick.

[Heywood]

She should sue the hospital for added mental anguish.

The hospital should then be allowed to sue her for cost inccurred in the collection of the debt she owes.

The real problem with this situation is the woman was in a coma. She was incapacitated and not capable of entering into a contract before the fact. It certainly is not just to require the woman to pay whatever the provider requests. ...but it is also not just to require the provider to accept whatever the insurer asks for.

In my opinion we buy insurance to fight these fights for us when we can't or don't want to fight them ourselves. Insurance companies should cap what they will cover and not some dollar amount. If an insurance company agrees to pay for a heart attack in which the victim is unconscious for 10 days....then the patient should be released from their liability(minus copays) and the insurance company and the provider can fight it out.

[KUSA]

The hospital should then be allowed to sue her for cost inccurred in the collection of the debt she owes.

She didn't owe anything. The state pays the ballance that the insurance company does not pay.

And what is this shit about the insurance company fighting for her? All the insurance companies want to do is fuck somebody by not paying shit.

You are lost in the sauce.

[Heywood]

The hospital should then be allowed to sue her for cost inccurred in the collection of the debt she owes.

She didn't owe anything. The state pays the ballance that the insurance company does not pay.

And what is this shit about the insurance company fighting for her? All the insurance companies want to do is fuck somebody by not paying shit.

You are lost in the sauce.

Its not that hard to set up a system that assigns liability to someone else and this is what medical insurance should do. I pay company X to assume any liability I might incurr. I also would allow provider to discriminate...they might accept patients who are insured by company X but not company Y.

[KUSA]

Its not that hard to set up a system that assigns liability to someone else and this is what medical insurance should do. I pay company X to assume any liability I might incurr.

But they deflect the liability they are responsible for as much as they can get away with. BCBS for example is notorious for denying almost every claim the first time it's billed to them. They only pay after the customer calls and bitches them out. Ask me how I know.

I also would allow provider to discriminate...they might accept patients who are insured by company X but not company Y.

So what happens when you are having a heart attack and you have company Y insurance?

[Heywood]

So what happens when you are having a heart attack and you have company Y insurance?

Hospital has to make a decision before they provide care. Hospital accepts company Y as being liable for the claim and any dispute will be between hospital and company Y or they do not....and refuse care.

I would remove barriers to the creation of hospitals so one hospital can't call all the shots.

[KUSA]

So you would have competing hospitals across the street from each other?

[Minimalist]

Shithead that he is, Woodie would gladly let the patient die while the marketing department works out who to bill.

You are making a great case for single-payer, Woodie. Careful or the Koch brothers will put out a contract on you.