...because insurace companies "don't care about us".
This guy is a financial reporter for Forbes. He has a catastrophic insurance plan with a healthcare savings account. And he hates it.
His complaints?
1) The insurance company doesn't pay for checkups and "preventative care" that allegedly save money over the long term.
2) This is evidence that the insurance company "just doesn't care".
Keep in mind that this is an obviously intelligent individual who works in the financial reporting business!
WTF? Do people really not know what catastropic insurance is and how it works?
I think that scrapping our system of tax free employer provided comprehensive health insurace and a move to consurmer based, after tax, catastrophic insurance is the answer to all of our health care problems (cost and coverage). But that's only if people are rational about what health care is and how best to provide it.
But if people are irrational, and think that health care is whatever their doctor says it is, and that they should have anything they and their doctor want, and not have to pay out of pocket for it, and that this is evidence that the company "cares", then there really is no solution to our healthcare problems.
Wednesday, May 20, 2009
Subscribe to:
Post Comments (Atom)
Posts
2 comments:
Uh catastrophic health insurance is a great idea. Unfortunately, it is best for smart people who value their health more than a plasma TV. I remember once the doctor recommended a test but said the insurance wouldn't pay for it. I immediately said I would pay for it. He was surprised and said it was $150!
Now this doc knew that I lived in the same pricey neighborhood he did, yet he thought I would be willing to risk my life because I was too cheap to pay $150 for a test! I mean really, a pair of shoes costs $150! Taking care of my one and only body is worth far more than consumer goods!
The problem is too many people think like children. They think someone else should pay for necessities (kind of like nature supplies the sun, air and rain) and all of their money is like an allowance for extras.
Silly Girl, you're correct. People are very childish when it comes to health care.
Health care in this country is all about showing that "we care", not about making sure that you get antibiotics when you have an infection. The mass psychology of it is... well it's insane. Certainly, it's not logical.
Post a Comment