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Strategies & Market Trends : The Residential Real Estate Crash Index
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To: MSI who wrote (7156)12/5/2002 12:52:55 PM
From: GraceZRead Replies (2) of 306849
 
The fact is, the 40 million people w/o insurance get medical care anyway, we all pay anyway, and it's the inefficiencies in the middlemen that cause the costs.

You are reminding me of one trip to the ER where the person taking down my insurance info told me I was the winner, out of thirty or so people in the waiting room I was the only one with private insurance. I walked out of her office mumbling something like, drinks are on me.

The really sad thing was, back then I kept my self-employed insurance premiums low by having a fairly high deductible. That ER visit came within five dollars of satisfying the deductible. I had to pay the whole thing out of pocket and that was a great deal of money for me back then when my biz was first getting started. It was a rude awakening.

Now I have insurance that covers 100% of ER without a deductible. Even so, I know I'm paying for everyone else every time I pay that Medicare tax and insurance premi. I started thinking we were better off when we just paid for care outright. Now just try to get a doctor to give you a quote for an elective procedure. Yeah, he can tell you what he will cost, but then there's three or four other bills from different people. Try as you might, you can't pin down the total cost until after the fact.

Or try to figure out what your insurance covers....its a nightmare. They know exactly what they will pay after they get billed but its almost impossible to get them to tell you up front. Think of any other transaction that you make where you can't find out up front how much they will charge! Any other business operating that way would immediately be shut down by the DA.
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