Has she been honest about health insurance?
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Re: Has she been honest about health insurance?
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There was an instance in the internet lately about people investing in a healthcare insurance company that turned out to be a scam. Turns out, the company had lured innocent lives into "sweet" insurance policies, and in turn amassed millions of dollars.Thokchom Alice wrote: ↑02 Jun 2021, 00:09 I would say the author is honest regarding the insurance system. Many people have been benefitted though, there are cases in which people come across scams in many places.
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However, I do have to emphasize GOOD health insurance. I have seen way too much health insurance plans that were almost useless in the coverage they provided, with ridiculously high deductible and copayment. And sadly, the policies are often written with so much legal and medical terminology and phrasing that the average lay person has next to no idea what they’re insurance even covers. If they get a bill, stating that their insurance didn’t cover something, they simply pay (or try to pay) out of pocket. And I’ve seen so many instances where the procedure was coded wrong, or just filed incorrectly, and should have been paid by the insurance. But the patient just didn’t understand that. Many insurance policies seemed to be designed that way to be confusing by nature. And not just to the patients, but to the Dr offices as well, because there’s no consistency across insurance plans.
So, I agree with the author on need for insurance. But with very necessary cautions included.
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So I basically only carry the insurance at this point on the off chance that our current president takes us back to getting heavily penalized for not having some form of coverage.
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Having insurance is beneficial; however, it is not a one size fits all system. If you have employer sponsored insurance it may or may not cover your medical expenses off the bat as money has to come out of pocket first before the insurance does the rest. If you don't have employer sponsored insurance and have to purchase it on your own, then you're in for a shocker.Sushan wrote: ↑31 May 2021, 23:51(Location 145 in Kindle version of the book)...my topic was the importance of having access to some form of health insurance – whether you’re in the United States or elsewhere. Part of this book delves into insurance, and I am experiencing firsthand the importance of having catastrophic health insurance. I’m also a huge proponent of Health Savings Account (HSA) plans.
Do you feel the same as the author about health insurance? Have you had benefits because you had an insurance or had difficulties because you did not have an insurance? Has the author been honest or is she trying to market the insurance companies (she has dedicated three chapters of her book to talk about health insurance.)?
The most affordable options, in regards to monthly payments, requires a lot to be paid out of pocket before the insurance can be used. The options that require little to no money out of pocket have a high monthly cost. I had insurance briefly that I had to find on my own because my then job didn't have benefits.
I received an injury at work and had to go to emergency care. I had my insurance card, but it was useless since it was the affordable option. Since it was a job injury, my employer split the cost but my insurance didn't do anything because I didn't meet the deductible.
While it's nice to have, the system isn't balanced. To top it off, the options on the market aren't favorable for all.
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I agree with you. Though the author has mentioned many benefits of having a health insurance, people face various problems when they actually try to get their health insurance claims. What we should keep in mind is that health insurances are profit based companies and they do only a business with us rather than providing a service. Seemingly the author has been a little biased towards the health insurance companies.TopaAzul062 wrote: ↑25 Jun 2021, 21:46Having insurance is beneficial; however, it is not a one size fits all system. If you have employer sponsored insurance it may or may not cover your medical expenses off the bat as money has to come out of pocket first before the insurance does the rest. If you don't have employer sponsored insurance and have to purchase it on your own, then you're in for a shocker.Sushan wrote: ↑31 May 2021, 23:51(Location 145 in Kindle version of the book)...my topic was the importance of having access to some form of health insurance – whether you’re in the United States or elsewhere. Part of this book delves into insurance, and I am experiencing firsthand the importance of having catastrophic health insurance. I’m also a huge proponent of Health Savings Account (HSA) plans.
Do you feel the same as the author about health insurance? Have you had benefits because you had an insurance or had difficulties because you did not have an insurance? Has the author been honest or is she trying to market the insurance companies (she has dedicated three chapters of her book to talk about health insurance.)?
The most affordable options, in regards to monthly payments, requires a lot to be paid out of pocket before the insurance can be used. The options that require little to no money out of pocket have a high monthly cost. I had insurance briefly that I had to find on my own because my then job didn't have benefits.
I received an injury at work and had to go to emergency care. I had my insurance card, but it was useless since it was the affordable option. Since it was a job injury, my employer split the cost but my insurance didn't do anything because I didn't meet the deductible.
While it's nice to have, the system isn't balanced. To top it off, the options on the market aren't favorable for all.