Quote:
Originally Posted by dmek25
all i know is that my brother in law went years never going to the doctor, never using any of his insurance " benefits". now, he gets very sick, to the point he undergoes a heart transplant. my sister and their family and now thousands in the hole, money owed to doctors because of squabbling over what gets paid, and what they owe. i might not have my facts in order, but i can still see whats right and whats wrong
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I can sympathize with this situation. My family has faced similar circumsatnces. But I feel what you are saying is basically this, and please correct me if I am wrong:
That because your brother was insured for years and rarely if ever used medical services,he had 'banked' services, or he deserved to have coverage since he had not used the insurance. Hein lies the problem. Insurance is not a fungible product. You don't bank it and you can't trade it for something. In this case simply being insured IS THE SERVICE. Whether you use the benefits of the service is irrelevant. He got exactly what he was supposed to get through the years. A big well funded company sitting there willing and able to pay for his policy defined covered benefits. The company being there is the service. Apparently his policy did not cover a needed heart transplant, which sucks beyond belief. That is the problem. Not that the insurance did not pay for the heart transplant but that the heart transplant is so damned expensive that the insurance company simply CANNOT cover heart transplants and provide affordable insurance. See the problem isn't with the insurance companies. Sure they have issues just like any multinational billion dollar industry but their problems are small and rather insignificant to this discussion. The problem is that healthcare is so damned expensive. That is not insurance industry's fault.
Now I'd love to discuss why healthcare is so expensive. I suspect we'd jive pretyy well on that. Or at least we'd be in agreement on some things.