My least favorite aspect of this career is when you get the call, that the doctor won't accept the insurance for something, or the carrier won't cover something. Sometimes you can assist to work things out, and other times you can't. Emotions run strong, either way.
How do you health insurance agents feel, deep in your heart about the idea of "for-profit health care?"
Now before you blaze me to a crisp with your flames of conservatism, calling me a commie, socialist, liberal, etc.....
Ask yourself, doesn't for-profit health care, benefit the care provider who sells the most product/services per customer?
Meaning that if health care made people well, it would put itself out of business. Any takers?
In Quebec waiting times got so bad finally someone got sick of it and sued - claiming that when their "free" coverage doesn't work they have a right to buy private insurance.
They won...and now in Quebec....in a very little publicized decision, patients can buy private coverage and doctors can work fee-based for a certain number of procedures per year.
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Some would have you believe profit is a 4 letter word.
The fact is, the federal government is the only entity that does not have to operate in the black.
Doctors, hospitals, labs . . . most are for profit operations. A few hospitals are run by charitable organizations or city/county governments, but most are for profit.
Most, but not all carriers are for profit. A few of the Blue plans still exist as not for profit. KP and some HMO's are not for profit.
Even when profit exists it's not like the margin is excessive.
Remove the profit from a medical practice or hospital and you can lower prices by 3 - 5%. Same for most insurance carriers.
Then what do you do?
Inflation will eat up any profit margin within 6 months.
Those who complain about for profit health care and health insurance don't have a clue.
If there were no "profit" in it, there wouldn't be any medical devices or pharmaceuticals to help in diagnosis and treatment. We'd be back to the leech days and simple limb amputation.
I have in laws that are Canadian.
One of them recently died of cancer. Once diagnosed she was put on a waiting list for treatment. It took something like 3 months to see a specialist. By the time she received treatment it has spread to her lymph nodes.
If she was receiving treatment in a for profit medical system they could of started treatment much much sooner and at least given her a chance to live.
Another case I know about was when a very successful man up in Canada went in for a routine colonoscopy. They nicked one of his intestines and dam near killed him. They thought he just had the flew not realizing it was ecolie. In a for profit they would of put the recent procedure and symptoms together a hell of a lot quicker than the socialized system. He ended up in the ICU unit for a couple of months.
I understand your frustrations but I think its important to know what you are selling and explaining it to your clients.
I have very few claims denied a year. If they do declined it usually has to do with someone having a Pre X condition.
That's why I tell my clients that the best health insurance is healthy living and an HSA.
But I must tell you it really bothers me to no end, to see so many of our Republic's Citizenry, particularly the Seniors, on so many meds, mainly because they don't seem to be getting any better, just taking meds, and being "not well."
Maybe it's our diet and lifestyle system that is more broken than the health care system. Beat up on the French all you want, but they do have a reputation for good health.
That's why I tell my clients that the best health insurance is healthy living and an HSA.
You're damn right. Just don't tell them that sometimes genetics has a part in it as well.
But I must tell you it really bothers me to no end, to see so many of our Republic's Citizenry, particularly the Seniors, on so many meds, mainly because they don't seem to be getting any better, just taking meds, and being "not well."
Would you rather see them taking medications or being 6 feet under? I studied senior mental health while in undergraduate school, and most of the issues outside of "me" feelings are associated with senior feelings isolated from family and friends. Isn't' that right Rick?
Maybe it's our diet and lifestyle system that is more broken than the health care system. Beat up on the French all you want, but they do have a reputation for good health.
This might illuminate what has happened to this county
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[COLOR=#000066]"Tell me and I will forget. Show me and I will remember. Involve me and I will understand." Confucius
My least favorite aspect of this career is when you get the call, that the doctor won't accept the insurance for something, or the carrier won't cover something. Sometimes you can assist to work things out, and other times you can't. Emotions run strong, either way.
How do you health insurance agents feel, deep in your heart about the idea of "for-profit health care?"
Now before you blaze me to a crisp with your flames of conservatism, calling me a commie, socialist, liberal, etc.....
Ask yourself, doesn't for-profit health care, benefit the care provider who sells the most product/services per customer?
Meaning that if health care made people well, it would put itself out of business. Any takers?
I agree. I think healthcare is a fundamental right of humanity. Anyone should get healthcare whenever they want it. People shouldn't have to trade their assets for a fundamental right.
Here is my plan for universal healthcare. We wouldn't even have to worry about how to fund it. Give me a minute as I'm sort of putting this together as we type. (I want to thank Andrew Wilkow for the spark of this idea...)
Doctors have to be smart. I think by the time somone is about ten years old, we all know whether the kid will be smart or not. At 10 years old we hold a doctors lottery (I'd call it a draft but it would bring up memories of 'Nam in '68) for all those kids we know are smart. We pluck out a percentage of the smart ones to become doctors. I'm not sure how many new doctors we need each year, but that will be the number of kids we enroll in the Doctor program.
Those kids are put through doctor school by the government. Upon graduation they practise medicing at government hospitals and clinics. They'll live in dorms until age 78 when they can retire and enjoy the fruits of their lifelong labor.
The government will house them and feed them and give them a Lexus to drive around when they are 'off campus'.
I mean essentially what people are saying when they say everyone has the right to healthcare is that doctors have no right to profit from their practise. The proponents of nationalized healthcare beleive everyone has a right to be treated whether or not they can afford to pay for it.
Let's not pussyfoot around and find so-called solutions. Let's not make everyone pay for universal healthcare. Let's take a few of the lucky smart kids and give them the pleasure of treating everyone.
I agree. I think healthcare is a fundamental right of humanity. Anyone should get healthcare whenever they want it. People shouldn't have to trade their assets for a fundamental right.
Here is my plan for universal healthcare. We wouldn't even have to worry about how to fund it. Give me a minute as I'm sort of putting this together as we type. (I want to thank Andrew Wilkow for the spark of this idea...)
Doctors have to be smart. I think by the time somone is about ten years old, we all know whether the kid will be smart or not. At 10 years old we hold a doctors lottery (I'd call it a draft but it would bring up memories of 'Nam in '68) for all those kids we know are smart. We pluck out a percentage of the smart ones to become doctors. I'm not sure how many new doctors we need each year, but that will be the number of kids we enroll in the Doctor program.
Those kids are put through doctor school by the government. Upon graduation they practise medicing at government hospitals and clinics. They'll live in dorms until age 78 when they can retire and enjoy the fruits of their lifelong labor.
The government will house them and feed them and give them a Lexus to drive around when they are 'off campus'.
I mean essentially what people are saying when they say everyone has the right to healthcare is that doctors have no right to profit from their practise. The proponents of nationalized healthcare beleive everyone has a right to be treated whether or not they can afford to pay for it.
Let's not pussyfoot around and find so-called solutions. Let's not make everyone pay for universal healthcare. Let's take a few of the lucky smart kids and give them the pleasure of treating everyone.
Who's with me????
and if one of the chosen screws up are do you recommend that they are sent to the gulag in Siberia?
By the way, you can call it a draft, because those that can remember it was also called the lottery. I can remember sitting and watching if my Uncle's number was going to pop up or not.
For Profit Health Care?...
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