To take your money then say no when you need healthcare.
Basically, everything is priced arbitrarily high to a comical degree because of insurance so you “need” insurance companies to “negotiate” prices (which are already set for them, there’s no actual negotiations - just the goofy “retail” price and the still exploitative “insurance” price) and then if its covered the insurance pays a fraction of THAT (closer to a “normal” price) and its considered settled.
So, even if your insurance won’t cover it, you need them so you get the exploitative price instead of the comical price from the provider. There’s no way to pay the “normal” price unless you’re an insurance company.
Plus when the ADA was founded, the only way they could get it to actually pass was to effectively let pharmaceutical companies set their own prices. Which as we can see, did not end well.
There was a period of a few years where I did not have insurance. I’m a pretty healthy person, so I figured the risk was acceptable. The few times I did need to go to the doctor, when I told them I did not have insurance and would be paying out of pocket, they adjusted the prices for me automatically.
I thought it was ridiculous, even then, but I wasn’t going to complain about getting a reasonable price, obviously.
Oh yeah, as someone that did the same thing it’s insane that you can actually just negotiate your own price and it doesn’t actually take much effort.
But if you already have insurance and it’s bad you will pay more. Anything to get more money for a middle position not doing anything other than scrape money from everyone for only themselves.
To take your money then say no when you need healthcare.
Basically, everything is priced arbitrarily high to a comical degree because of insurance so you “need” insurance companies to “negotiate” prices (which are already set for them, there’s no actual negotiations - just the goofy “retail” price and the still exploitative “insurance” price) and then if its covered the insurance pays a fraction of THAT (closer to a “normal” price) and its considered settled.
So, even if your insurance won’t cover it, you need them so you get the exploitative price instead of the comical price from the provider. There’s no way to pay the “normal” price unless you’re an insurance company.
I was going to be mildly irate about this but I respect a bit.
Carry on. ❤️
That’s not how insurance works in my country. You have the shittiest system imaginable or what? Like did you consult Satan on how to set it up?
It was set up by the insurance companies. They lobby hard to be able to maximize profits.
Plus when the ADA was founded, the only way they could get it to actually pass was to effectively let pharmaceutical companies set their own prices. Which as we can see, did not end well.
Worse, capitalists.
There was a period of a few years where I did not have insurance. I’m a pretty healthy person, so I figured the risk was acceptable. The few times I did need to go to the doctor, when I told them I did not have insurance and would be paying out of pocket, they adjusted the prices for me automatically.
I thought it was ridiculous, even then, but I wasn’t going to complain about getting a reasonable price, obviously.
Oh yeah, as someone that did the same thing it’s insane that you can actually just negotiate your own price and it doesn’t actually take much effort.
But if you already have insurance and it’s bad you will pay more. Anything to get more money for a middle position not doing anything other than scrape money from everyone for only themselves.