Hospitals are ruthless. And each one is different, but if it were me I'd be the biggest pain the ass they ever met.
General UnitedHealthcare CEO murdered
- Thread starter Chrit
- Start date
Hospitals are ruthless…unless you’re homeless and then you can get a bed and order food immediately, bitch at everyone and pay nothing
I'm not condoning people just blasting hospital administrators and insurance execs. But it is a unique business given the type of impact on people. I do sometimes think and am surprised that it doesn't happen, a lot, given the type of life and death stress and financial burdens put on regular families with zero power in the situation. Demonstrates how civil we are as a society that pencil pushers can ruin lives and mess with peoples children so nonchalantly.
I had a roommate that went in for a neck injury, had spinal surgery, and walked out with no intention of paying the bill. He didn't last long as a roommate. Fucker still owes me $200. lol
Its way more on the corporations running the hospitals. The costs of uninsured debt, malpractice settlements and premiums, etc get passed on to guaranteed payers (insurance companies).
The insurance companies really aren't making much off of your basic health insurance coverage. If I remember correctly, the last report I saw, UHC was running an ~85% loss ratio. So that is before non-claim expenses.
Health insurance companies make their money off investment income, and ancillary services (ie. medicare supplement, vision, prescription plans, etc).
If you are just looking at group medical coverage (which is the majority of what we all have), companies are generally making a couple of pennies out of each dollar in premium.
There really are only 2 options for fixing healthcare in the US.
1. Single payer.
2. Keep the same system but remove the requirement to treat the uninsured without pre-payment.
#2 will never fly when the first child or senior citizen gets turned away and dies in a waiting room.
This was the best argument against universal healthcare -- that they essentially already have it. Too bad it's at the expense of everyone else. I know quite a few people on gov't assistance who treat the emergency room like a walk-in clinic.
I woke up 1 day and half my face was numb. I was one week from the health insurance kicking in at my new job so I paced around considering my options and decided if I was having a stroke I wouldn't die and I'd have a droopy face forever so I went in to ER to get checked out. They did a bunch of vital checks and I seemed fine. They started talking about taking me up for a scan in one of those machines and I said that sounds expensive, I don't have insurance, let's leave it as is for now. Turns out I think it was a pinched nerve from sleeping.
Anyway, within an hour of leaving I have a message on my phone from the hospital, the billing department. I call back and the lady was shocked that I called back. I had cash saved up so I told her I'd pay all of it and she did the large percentage deduction of the bill. All was fine, except I kept getting different bills for about 8 months, for all different things. Hospital, doctor services, equipment, etc. What a stupid convoluted system. I don't know if they stop sending them eventually if you stop paying or what, I finally called and said this is the last one I'm paying, I hope it's the last one you're sending. It was probably coincidentally the final bill, but how messed up are they that their billing is that slow and scattered and the charges come from all different entities.
Anyway, within an hour of leaving I have a message on my phone from the hospital, the billing department. I call back and the lady was shocked that I called back. I had cash saved up so I told her I'd pay all of it and she did the large percentage deduction of the bill. All was fine, except I kept getting different bills for about 8 months, for all different things. Hospital, doctor services, equipment, etc. What a stupid convoluted system. I don't know if they stop sending them eventually if you stop paying or what, I finally called and said this is the last one I'm paying, I hope it's the last one you're sending. It was probably coincidentally the final bill, but how messed up are they that their billing is that slow and scattered and the charges come from all different entities.
Or perhaps allow for an actual open market and remove the brick and mortar, regional requirements from insurance companies, while also decoupling it from your employer.
Let me shop for insurance among all companies within the US and let them sell it to me and compete for my business.
Decoupling from an employer should absolutely happen.
I'll never understand this 'open market' argument. Companies can already sell across state lines as long as they meet the regulations of the state the coverage is being sold in.
Its the same thing as other types of insurance. Its all regulated at the state level.
Price transparency and choice is indeed needed big time. I was in the ER earlier this year with a broken ankle and they brought me a boot before I left. Knowing I had a big deductible I said just tape the hell out of it and I'll buy my own off Amazon. They could not tell me what theirs would cost, but I'm assuming this little decision saved me a couple hundred easy.
Years ago I was exploring a potential shoulder surgery. The first step was they wanted to XRay. I had them write me a script for it that I could take to another imaging center. I did some research and they had the most expensive imaging in the city. That one also save a bunch.
I don't know what the solution is, but yeah, our system is really fucked up.
Oh, back to the ER visit. Lots of illegals in there. That for sure isn't helping regular Americans.
Years ago I was exploring a potential shoulder surgery. The first step was they wanted to XRay. I had them write me a script for it that I could take to another imaging center. I did some research and they had the most expensive imaging in the city. That one also save a bunch.
I don't know what the solution is, but yeah, our system is really fucked up.
Oh, back to the ER visit. Lots of illegals in there. That for sure isn't helping regular Americans.
Picture shows a white guy who didn’t wear gloves. Everything else was well planned but he left gloves out of his assassin kit? So odd.
Americans owe over $220b in medical debt.
Honestly... single payer ends up being the right move financially for everyone.
But then you have to figure out care... and if there could be buy up provisions to essentially skip the line or take care of elective procedures.
Honestly... single payer ends up being the right move financially for everyone.
But then you have to figure out care... and if there could be buy up provisions to essentially skip the line or take care of elective procedures.
Yeah... doesnt look very professional.
Also doesnt pick up casings.
Probably someone who had a loved one fucked by the healthcare system.
Is that the Ruger Mark IV?
Would never work. There are so few things the government is good at, no way in hell I expect them to nail fucking health care of all things.
If I get killed by a .22 then my dad is supposed to tell everybody at the funeral that I died from gay aids because that's less embarrassing.
Medicare is ran surprisingly well.
Medicare is considered more efficient than private health insurance in several ways:
- Administrative costs
Medicare's administrative costs are much lower than private insurance. In 2021, Medicare's administrative expenses were 1.3% of total program spending, while private insurers' administrative costs are estimated to be 17% of revenue.
- Payment systems
Medicare has used payment systems to encourage providers to be more efficient and manage spending. For example, Medicare's prospective payment system sets payment rates for hospitals in advance.
- Cost growth
Medicare per capita spending has grown at a slower rate than private insurance. The Congressional Budget Office (CBO) predicts that private insurance costs will continue to increase faster than Medicare for the next 30 years.
- Quality of care
Medicare Advantage plans have been associated with higher quality and more efficient care than the fee-for-service model.
United Healthcare has had issues lately with some major hospitals, Mt Sinai and Prisma just off the top of my head.
Also, some of y'all really need supplemental insurance it sounds like.
Also, some of y'all really need supplemental insurance it sounds like.
Fuc
Fucking cunt he is