What's So Great About Private Health Insurance?

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ruckman101
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Re: What's So Great About Private Health Insurance?

Post by ruckman101 » Fri Jun 29, 2012 7:17 pm

Sylvester wrote:
Amskeptic wrote:
Dear Mr. Ruckman,

After a cursory review of your application, we regret to inform you that we are unable to provide you insurance due to the prior "stubbed toe" condition listed on your application. Please avail yourself of high risk pool insurance coverage options.
"Insincerely Yours,
In$uranceR-U$
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Ouch. And it did hurt when I laughed. :blackeye:


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glasseye
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Re: What's So Great About Private Health Insurance?

Post by glasseye » Mon Jul 02, 2012 6:37 pm

I dunno what's good about private health insurance, but I do know what's good about public health insurance.

I just went through a very scary session with pneumonitis:

Week 1 : sore throat
Weeks 2-4 dry cough
Week 5: shortness of breath. Go to doctor.
Weeks 5-7: three courses of increasingly strong antibiotics, ending with "weapons grade" moxyfloxycin

No improvement. Sent to Emergency. Can't even walk twenty feet to the can without nearly passing out. Lung function about half normal.

Week 7: sent to regional hospital respirologist who inspects, pokes, prods, recommends a CT scan. New diagnosis results.

Week 8: new drugs, condition nearly completely resolved.

Wait time for CT scan? ten minutes.

Total direct cost to me for the entire adventure? About $50 including fuel for the two hour drive to and from hospital.

This thing coulda killed me. Or, if I wasn't a Canadian, it coulda broke me.

How America can be against everybody looking after each other is beyond me.
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Paul Wolfowitz, speaking of Iraq.

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Re: What's So Great About Private Health Insurance?

Post by Spezialist » Mon Jul 02, 2012 10:02 pm

I'm wondering what the nuts and bolts of this thing is

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SlowLane
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Re: What's So Great About Private Health Insurance?

Post by SlowLane » Mon Jul 02, 2012 10:58 pm

My experience with Canadian health (BC medical, specifically):
1) One rainy day in the fall of 1985, I picked up a Corvair transaxle the wrong way (ie. the stupid way) and herniated the L5 disk in my back. I actually felt it go "spurt". Mild discomfort at first, but quickly grew to full-blown sciatica in the following weeks.

2) Eventually went to my family doctor (who would now be known as "primary health care provider"), who prescribed a) painkillers, b) physical therapy, c) "light work". Since I was a construction worker at the time, "light work" didn't really encompass desk-work. More like carry only one bundle of shingles to the roof at a time instead of two.

3) Neither a), b) nor c) helped in the least. Doctor unwilling to do much else. Went to chiropractor, got standard endorphin rush from back-cracking, but no lasting relief.

4) About four months later finally convinced family doctor that I wasn't trying to pull a fast one (I hadn't claimed Worker's Comp because I hadn't been injured at work), so he sent me to a neurosurgeon, who measured my calf muscles and determined that I had muscular atrophy in my left leg (the one that had the severe sciatica). He agreed to perform his custom laminectomy surgery on me and put me on the waiting list.

5) Waited.
6) Waited.
7) Waited. (Ever had sciatica? Like a toothache all the way to your toes that WON'T go away? I very nearly rediscovered religion that year.)
8 ) Waited.
9) Nearly a year to the day that I injured myself, a slot opens up for the necessary surgical resources and I get my ass over to Royal Columbian for the surgery. Deal with surly, disinterested hospital staff and smart-ass anesthetologist ("So you're here for a vasectomy, right?" as I'm dropping off. Hilarious, asshole.) Wake up from the surgery with the pain in my leg wonderfully GONE. But now all the connective tissue across my lower back had been severed, so it takes another year and a bit before I can work comfortably.
10) Cost to me: A year's wages. Insurance premiums were thankfully reduced during this time, but only after I had to demonstrate that I was unable to work. (Oh yes, we do pay health insurance premiums in Canada. It isn't free, folks, unless you happen to be in the lowest income bracket, and it isn't optional). No co-pay, though (never heard the term until I moved here).

Fast forward to two years ago:
1) My wife and I are now subject to the tender mercies of Kaiser Permanante. On one of her regular checkups, the doctor has her kidneys x-rayed. A spot shows up which could be a cyst or ???
2) Immediately the Kaiser machine swings into action. She is booked for a CT scan, then surgery. Within a couple of weeks she is being wheeled into the operating room for orthoscopic day surgery to suck out her essentially non-functioning kidney. The doctors and nurses are extremely attentive and take the greatest care to make sure she understands what the procedure will entail. Each time she changes hands, the person taking custody of her confirms the procedure and (importantly), which kidney is being operated on. The surgeon actually puts his signature over the site where he will be working.
3) She spends one night in the hospital (somewhat rare, apparently), then is discharged. One uncomfortable month sleeping in the LazyBoy and she was almost back to normal.
4) Cost to me: $20 co-pay.

Note to BC Medical: you people can learn a LOT from Kaiser Permanente.

Despite those two experiences, I'm still a firm believer in universal health care. I understand that I am extremely fortunate and blessed to be where I am now and able to afford the health care I have. Had I been living in the USA when I injured myself, there's no way I could have afforded the necessary insurance to pay for my surgery, given my income level then. The advantages to the entire country of having its average level of health raised seem self-evident.

Finally:
A co-worker of mine (UK citizen, but working in USA and paying for private health insurance) was vacationing in France with his wife and young daughter. Daughter fell ill, was taken to hospital. Batteries of tests were run, diagnosis was made and cure was produced. Parents greatly relieved at level of health care provided, but then dreading the inevitable bill. French doctors waved them off, saying "We don't charge for taking care of children."
Damn socialists, eh?
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Hippie
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Re: What's So Great About Private Health Insurance?

Post by Hippie » Tue Jul 03, 2012 6:52 am

SlowLane wrote:Damn socialists, eh?
Anyone who is a political moderate by traditional standards is deemed a socialist by American 2012 standards.
Richard Nixon would be considered a raving liberal pinko nowadays.
Fuck...I'm wondering when they'll sell off the streets in front of our homes and put in private toll booths every few blocks.

Progress, huh?
Democracy is and always was a form of a socialist endeavor. Get used to it.
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Sylvester
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Re: What's So Great About Private Health Insurance?

Post by Sylvester » Wed Jul 04, 2012 7:20 am

Hippie wrote:Fuck...I'm wondering when they'll sell off the streets in front of our homes and put in private toll booths every few blocks.
Do we get to vote on it? Or does it come out of my homeowners payment?
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Amskeptic
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Re: What's So Great About Private Health Insurance?

Post by Amskeptic » Wed Jul 04, 2012 9:11 pm

Hippie wrote: Democracy is and always was a form of a socialist endeavor. Get used to it.
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dingo
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Re: What's So Great About Private Health Insurance?

Post by dingo » Wed Jul 04, 2012 10:51 pm

how was it we ended up with a Democracy ? those Founding Dudes created a 'Republic', for which it stands, one nation bla bla bla
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ruckman101
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Re: What's So Great About Private Health Insurance?

Post by ruckman101 » Thu Jul 05, 2012 12:02 am

Doesn't the "republic" part kick in to trump the "democracy" part when the majority unconstitutionally attempts to enact law that conflicts with the founding principles?

Am I off topic?


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Hippie
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Re: What's So Great About Private Health Insurance?

Post by Hippie » Thu Jul 05, 2012 2:51 pm

dingo wrote:how was it we ended up with a Democracy ? those Founding Dudes created a 'Republic', for which it stands, one nation bla bla bla
Verbage. Go get yerself a king. He knows what's best for you. That's what I'm talking about...how dare the peons think they should have any say? :king:
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