Has she been honest about health insurance?

Use this forum to discuss the May 2021 Book of the month, "Surviving the Business of Healthcare: Knowledge is Power" by Barbara Galutia Regis PA-C
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Gabrielle Sigaki
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Re: Has she been honest about health insurance?

Post by Gabrielle Sigaki »

Buk Nerd wrote: 01 Jun 2021, 11:07 I’m with the author on this. In Nigeria, good health insurance can be the difference between getting quality healthcare when you need it and being left to fend for yourself in the middle of an emergency. This is not to say the system is perfect, but most times it's better to have it.
In my country, I could say that there are various levels of healthcare insurance, some of them give little benefits with awful treatment and some give great treatment with wonderful benefits. It's really important to research and think a lot when choosing insurance, so the author did a great work talking about how to find insurance that fits you.
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Gabrielle Sigaki
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sssns wrote: 01 Jun 2021, 12:43 I think the book explores health insurance options that could guide clients or patients. Likewise, seeing the business side of the industry gives a different perspective. The information from these various angles is helpful in weighing the pros and cons of what they are offering.
Yes, I also think that the author is not marketing insurance companies since she talks about various different options to the reader, it's not like she was giving preference to some kind of service, in my opinion.
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Gabrielle Sigaki
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Post by Gabrielle Sigaki »

El_limitless wrote: 01 Jun 2021, 12:46 Yeah, the author was honest about health insurance. I've personally benefited from health insurance. My medical bills were beyond my financial reach, and health insurance steeped in to offset the bills.
I agree that the author didn't lie about the healthcare insurance companies because it's really important to have one, especially in places like the US, where all services are pretty costly to everyone.
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Gabrielle Sigaki
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MBerretta wrote: 01 Jun 2021, 15:22 Three whole chapters devoted to health insurance information seems a little steep. Usually for me, trying to understand intricately detailed things such as insurance would require it be explained in person.
Healthcare insurance is really something complicated to explain, and the fact that this service in the US is so important maybe makes it even more difficult because it's full of bureaucracies and unnecessary steps, but I think that the author said relevant things about insurance that were very honest.
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Gabrielle Sigaki
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Bertha Jackson wrote: 01 Jun 2021, 20:12 As a cancer survivor, I can honestly say I benefitted from having insurance. By the time I became cancer-free, the total bill was enormous. My insurance did not cover all expenses because of co-pays but it did make it manageable.
Wow, it must have been really difficult. It's very sad that some people without insurance aren't able to pay the treatment costs and some of them end up spending their entire lives paying for it. The author seems to highlight the point that insurance is the difference between paying an absurd amount of money and paying an understandable, yet costly, amount.
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Post by Gabrielle Sigaki »

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.
It's very sad how there are scams even when we are talking about human rights, about people's health. But because of that, it's important to research a lot when you are looking for an insurance company for you. The author really brings some cons and pros about different models of insurance to help the reader too, it may not be useful to avoid scammers, but it is still helpful to find a good insurance service.
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Post by Gabrielle Sigaki »

REIGNING20 wrote: 02 Jun 2021, 01:11
Sushan wrote: 31 May 2021, 23:51
...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.
(Location 145 in Kindle version of the book)

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.)?

I believe the author's sentiments are worth being considered and that it's really true for people to invest in health insurance. That would really come in handy especially when people fall ill and cannot afford to pay for their medication.
Indeed the author seems to be very honest since she even talks about positive and negative points of having insurance services and a lot of people benefit from insurances since they get to pay more affordable costs rather than the absurd costs of healthcare services for people who don't have insurance.
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Post by Gabrielle Sigaki »

Mys_Trea wrote: 02 Jun 2021, 01:38 In South Africa, we have free healthcare, as well as the option to use health insurance or medical aid. That being said, I cannot stress enough the importance of having medical aid, as that gives you access to a better quality of healthcare.

Various healthcare insurance groups have been constantly known to be unfair and even dishonest in their practices; sometimes even prejudicing clients because of race, for example. So in my view, having health insurance is a necessary evil, therefore, one has to be well-informed when choosing a healthcare provider. Long story short, I think the author is not only honest, but extremely helpful in equipping us with her knowledge.
It's a reality that there are scammers everywhere, so the best option is to get information about all the services, and the author is indeed helpful when talking about it. She doesn't force the idea of having insurance, she brings the positive aspects, the negative aspects, which I found great too.
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Post by Ghuddie eso »

A cousin of mine was saved by health insurance when the family ran out of funds to pay her medical bills. Her health insurance settled all the medical expenses. So yeah, the author was honest about health insurance.
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Post by Hogwarts03 »

I'm on both sides. The author is right in saying that insurance is important, especially in countries where healthcare is it free. It gives an easier and cheaper approach for those who cannot afford it.
On the other hand, there is a downside. It's true that insurance companies have sometimes been accused of scamming and dishonesty. I also think that bureaucracy is a problem as I required insurance once, but it took too long to apply it and we had to wait for a couple of days which was not the best.
Honestly, all I can say is that everything has two sides to it and insurance is no exception.
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Post by Yusuf11 »

I believe the author is honest on this. Sometimes it depends on the country, but in most countries it's the same case. I don't have a health insurance but I've witnessed people getting saved by it. Sometimes things happen and you lack money but with a health insurance, you know you are safer. So it's just better to have it.
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Post by Brenda Creech »

I feel the author was honest about the insurance. I know that I personally could not get the medications and treatments I need without insurance. And yes, there is still a cost to me, but it is far less than I would have to pay without insurance!
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Post by jaym_tan »

The author was telling the truth about health insurance. People can actually benefit from it and they can get care at an affordable price.
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Post by Natalia Nazeem »

Honestly, I think having some form of health insurance is a necessity, one that companies should be able to provide to their employees - or one that governments should provide to their citizens. I'm from Dubai, and every individual is required to have health insurance by law. It's a useful practice to ensure that when things go wrong (and I say when, not if, because a person falling sick or meeting with an accident is bound to happen sooner or later) it's a useful safety net to have. They implemented this before the pandemic, and having health insurance did save a lot of costs in terms of getting tested for the virus, with other tests like X-rays, or even with visits to specialists for harsher symptoms.
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Post by Kaushiki Parihar »

Till now, by the blessing of God, my family and I have never needed health insurance. Everything has its pros and cons and so does health insurance. I think one should have health insurance because you never know when and what will life show you and when such a situation arises, paperwork doesn’t matter, the life of our precious ones matter. Not having insurance is more cumbersome than the paperwork. I feel the author is heartily worried about everyone and so she has carefully written this book.
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