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MarvinGardens

(779 posts)
22. Sounds like Blue Cross.
Thu Jul 4, 2019, 10:45 AM
Jul 2019

I've had them at various times, and they always pulled that crap. It superficially looks like sloppy incompetence, but it always goes in their favor. In the computer age, how could you possibly process a claim as if I am in lower tier coverage, when I am in the higher tier coverage? Luckily, where I work now, I had a choice. So I dropped them and went with more expensive insurance offered by a union. More expensive on paper, but you know what? They actually pay claims, exactly as they are supposed to, every time. So there is no more wasted time on the phone, writing angry letters and filling out forms. I get that time back, and it's worth every penny.

If more people just had choices, like I do, it would be an improvement. Before we try single payer, I'd like to see a system where we buy our health insurance the way we buy car insurance, with some ground rules of course. They have to cover preexisting conditions, there is a minimum level of coverage that all plans must provide, and everyone has to carry it. Like the ACA exchanges, but for everyone. It's ridiculous that so many Americans are locked into a single insurance company because of where they work. For many, the status quo vs single payer argument is monopoly vs monopoly. Many workers are stuck in a local monopoly with their employer based coverage, and single payer will replace it with a national monopoly. So people think, "my current coverage is the devil I know. And I could always go work somewhere else, or convince my HR department to offer something else. But if we get single-payer and it sucks, what recourse do I have?"

Be sure and vote True Blue American Jul 2019 #1
USA! USA! dalton99a Jul 2019 #2
Wow! All I can say is, at least we're not Ireland FakeNoose Jul 2019 #12
Ireland jumped out to me too Midnightwalk Jul 2019 #29
Interesting because I'm in France and covered under that system. GoneOffShore Jul 2019 #40
Best healthcare in the world, asccording to the entitled Scarsdale Jul 2019 #3
Thank you for your post. I know what you mean. Ohioboy Jul 2019 #4
Yep cilla4progress Jul 2019 #5
How come errors like this always go in favor of the rich corporations? Farmer-Rick Jul 2019 #6
Tri Care is great. Ligyron Jul 2019 #17
Yes, it is pretty good Farmer-Rick Jul 2019 #32
Yes totally fucked up vlyons Jul 2019 #7
Please support area51 Jul 2019 #8
We had a flexible spending account onlyadream Jul 2019 #9
Like so many things today... El Mimbreno Jul 2019 #10
Don't get sick and if you do, die quickly. panader0 Jul 2019 #11
Single payer is used by very few countries to achieve Universal Health Care. Most use hybrid payers. ehrnst Jul 2019 #13
K&R. Agree, and thank you for that clarity. KY_EnviroGuy Jul 2019 #19
A clear result of an unfettered laissez-faire version of capitalism. KY_EnviroGuy Jul 2019 #14
After getting a brain injury that sent me into seizures medical bills were a nightmare ... uponit7771 Jul 2019 #15
Is this for a business? Or you have multiple ins. plans just for yourself? Honeycombe8 Jul 2019 #16
Answers: LuckyCharms Jul 2019 #18
Oh, yeah. I remember what FSA is. Honeycombe8 Jul 2019 #21
FSA are still around in some workplace plans. MarvinGardens Jul 2019 #23
I remember that. That's mainly why I didn't participate. Honeycombe8 Jul 2019 #25
I have an FSA plan... druidity33 Jul 2019 #28
Mine works fine for prescriptions... LuckyCharms Jul 2019 #30
I use durable medical stuff, so we put in all we're allowed. Lars39 Jul 2019 #31
I feel your pain, Lucky Ohiogal Jul 2019 #20
Sounds like Blue Cross. MarvinGardens Jul 2019 #22
Healthcare made easy PoliWrangler Jul 2019 #24
There will be nothing "easy" about changing our baked in patchwork unregulated system, ehrnst Jul 2019 #26
It's not enough that you're sick, CrispyQ Jul 2019 #27
Hear! Hear! k&r n/t Laelth Jul 2019 #33
Yep. I have five possible payers.. lostnfound Jul 2019 #34
We all waste time becoming proficient in multiple payer systems lostnfound Jul 2019 #35
"Waste time?" Most developed nations have multi payer systems for UHC. ehrnst Jul 2019 #36
I think you misunderstood me..complexity is burdensome. Many people can't cope. lostnfound Jul 2019 #37
Gotcha. ehrnst Jul 2019 #38
As you personally experienced, it's not mixed payer the way some other countries are, where.. lostnfound Jul 2019 #39
This is exactly what I experienced... Phentex Jul 2019 #41
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