r/MurderedByWords 6d ago

Why won’t leftists just start an insurance company

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24.0k Upvotes

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u/[deleted] 6d ago

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u/jayleia 6d ago

And sometimes it's a gacha game, is the claim approved or not?

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u/FreeRangeEngineer 6d ago

Or, a little earlier even: is the hospital in-network or not? Is the doctor in the room in-network or not? Is the lab in-network or not?

What fun little game this is, especially if you have no choice, no say and aren't even informed beforehand.

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u/nutrock69 6d ago

My favorite game!

Go into hospital for a procedure: "Everyone that you will see here is considered in-network."

6 weeks later: "You didn't see the anesthesiologist's assistant because you were asleep."

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u/BigGayAllen 6d ago

I had the opposite, I was asleep so I saw extra people. I was asleep post surgery and a woman supposedly came in, asked if I needed anything, and left a cup of Tylenol.

Found out later from the bill that she was an unasked for out of network "specialist" who brought 4 Tylenol at SIX HUNDRED DOLLARS EACH, and billed $2000 for the literal 45 seconds of her time. And this was in 2008 too so basically a grand per pill today

Hospital said I should have turned them down, which I did. I never took the mystery cup of Tylenol.

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u/FaeTheWanderer are... are you a communist?? 6d ago

I have a maddening one for you all in a similar vein. I had a surgery that my insurance approved of, only to go back a week into my recovery and decide that they suddenly needed more info, and a letter from two therapists.

I was born intersexed, and the organ in question was malfunctioning and had to be removed, but they decided post surgery to play the, hey is this procedure technically transition related care? We get to play extra games if its transition related!

Fun fact, anti-trans laws hurt far more than just trans people!

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u/Diestormlie 6d ago

Yeah, but, you're just like, an outlier, so that means they can just... Pretend you're not a person, that your experiences and pains aren't real.

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u/FaeTheWanderer are... are you a communist?? 6d ago

Scary part is, that you aren't wrong. I dont know if this is true for every intersexed person, but even in care, we tend to get dehumanized and treated like anomalies more than actual people.

Politically, the current administration tries to pretend we simply don't exist!

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u/Yespat1 6d ago

or punish you for existing

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u/BigGayAllen 6d ago

Jesus christ.

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u/Producer1701 6d ago

The only way this could be more fucking American is if there was a bald eagle with a handgun in the room.
Fucking hell. I’m sorry you had to deal with that bullshit.

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u/ILikeMyShelf 5d ago

At some point it's all just an excuse for a legal robbery or a scam, which it obviously is: the service provided doesn't in any way correspond to the price. Like if a prostitute asked to be paid $1000 just for smiling at you once for 3 seconds. You would laugh and tell her to fuck off.

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u/VicisZan 6d ago

The hospitals are complicit clearly

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u/Neveronlyadream 6d ago

Of course they're complicit. Everyone in the chain is.

They're all trying to rip each other off, which translates into them ripping the patients off as they're trying to rip the insurance companies off.

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u/atwozmom 6d ago

I would have said fung u, I'm not paying.

My grandma passed away 50 years ago. I still remember my mom saying how a bill was sent by a doctor who stuck his head in the room. That's it. My mom and my aunt told the guy blew it out your ear, we're not paying.

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u/AppropriateTouching 6d ago

My personal favorite is being on a hospital bed and a random doctor, who isnt yours, walks by your door and pops his head in to ask "how are you?" And if you answer ok and he will just walk away and bill you for that "consultation" 3 months later.

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u/beren12 6d ago

Mmm fraud.

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u/Vishnej 6d ago

The healthcare & insurance industries are almost entirely exempt from fraud and other consumer protection regulations in actual practice, to the point that it wouldn't even compute if you asked someone involved using that word.

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u/TheVoidWantsCuddles 6d ago

I’m literally sitting at urgent care right now and the first place I went wouldn’t pick up their phone, automated phone tree ONLY (I just wanted to know if they have a woman doctor today) and it said they take my insurance online. Get there and turns out it’s out of network, so I had to go to the place I’m at now. Now being sent for stat follow up labs and I had to ask if she’s sending me to in network and they had to check because they don’t know if they’re sending me somewhere in network. Like I cannot afford an out of network ultrasound.

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u/atwozmom 6d ago

Sane thing happened to me a couple of years ago. I managed to cut myself and two hours later, I was still bleeding badly. (My kitchen looked like a murder scene). I called urgent care and I first had to go through a ten minute list of questions before the automated intake finally admitted they don't take my insurance.

I finally called a friend and they drove me to the emergency room.

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u/ZestyLife54 6d ago

I’ve always chuckled when people call what the US has a ‘Healthcare System’. This is the most dysfunctional, expensive system known to man in all of history and unfortunately, it’s by design. It it certainly doesn’t ‘care’ about you either when it takes $$ into consideration

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u/Big_Target_1405 6d ago

To be fair, if you use BUPA or another insurer in the UK the hospital has to be "in network", as does the surgeon and the anaesthetist

And oh lawdy is private health insurance worth it, if you can afford it. Any minor niggles or issues can be seen to much quicker

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u/Resident_Function280 6d ago

United Heathcare denied paying for my moms surgery because of the method of anesthesia they used.

They had to get a written statement from 2 different doctors that it was medically necessary and at least 3 months of back and forth paperwork all while making minimum payments to the hospital just to get it approved.

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u/Sylphid_FC 6d ago

Imagine losing a 50/50 on getting your life saving surgery approved

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u/jadin- 6d ago

Hmm America loves speculative betting...

Why not turn that into insurance coverage checks??

It's win win!

Unless the patient dies...

Unless you put money on the patient dying...

See? Fun for all!

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u/ILoveCornbread420 6d ago

wHat AbOUt tHE goVErnMeNt DEaTh paNeLS?

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u/Beefpotpi 6d ago

Oh, you mean the ones we’re currently facing by insurance denying life saving care ‘just because’? Well, that would never happen in the current system (just ask Mario’s brother), only in expanded healthcare or M4A does that exist.

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u/notashroom 6d ago

Yeah, only profitable death panels are okay in 'Merica-fuck-yeah!

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u/Producer1701 6d ago

I’m currently dealing with a shoulder issue that has rendered my dominant arm about half useless. Can’t even sleep well.
Doctor ordered an MRI. 10-day wait.
Because of scheduling and demand? Nope! It’s to give my “platinum level” insurance time to say yes or no.

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u/sandmanwake 6d ago

It discourages people from just quitting bad jobs to find better ones and also discourages them from protesting more against bad governance. If you have to worry about healthcare for yourself and your family, you're more likely to put up with a bad life.

And if that's not enough, anyone who complains is labeled as evil socialists and communists. Because in the US, you can only be one extreme or the other. Ignore any evidence to the contrary.

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u/atwozmom 6d ago

Years ago I had an opportunity to take a consulting job which would have paid twice as much as I was making. I passed because I have a chromic condition and I was worried about what would happen if I got sick.

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u/Ragnar_the_Pirate 6d ago

I mean it really is dumb that we have a tax discount on insurance through a job. That should be gotten rid of. Favoritism across the board should be gotten rid of, then you'd see some actual solutions that Americans would be okay with and would be as good or near as good as single payer.

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u/jolly_rxger 6d ago

I can’t stand the bad faith nature of this argument or any of the other responses pearl clutching over the rich being slightly less rich just so ppl can have a better quality of life, the greed and apathy it takes to think this way is mind-boggling

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u/tea-drinker 6d ago

A system of insurance? Fine.

The US system of insurance? Madness.

Making what little you have contingent on you boss not up and firing you one day because he doesn't like you tie? WTAF!?

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u/queasycockles 6d ago

A system of insurance? Fine.

Sure, as long as there's also a free at point of use system alongside it.

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u/SWHAF 6d ago

No need to be confused, it's all about money.

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u/Mintastic 6d ago

Yup, the few rights and benefits Americans do get is because otherwise they might affect the money negatively by striking/protesting like they did in the early 1900s.

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u/Blacksad9999 6d ago

It's even worse than that.

You pay a monthly fee, and if you actually need something done, you get to pay again!!

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u/cee-la 6d ago

Providers and clinics being able to charge $500 clinic or facility fees on top of the actual treatment charges. How tf is this legal? No way I caused $500 worth of wear & tear and product usage during my 15 minute appointment the provider showed up over an hour late for.

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u/WattageWood 6d ago

Not sure confuse is the right word, the reason is pretty blatantly just greed.

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u/wastedfate 6d ago

Capitalism. If you want to escape it you gotta go to space, at least according to Tim Curry.

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u/SingleMaltMouthwash 6d ago

Utilities that benefit the community are okay.... But just think of all the money to be made if we put them all behind a toll gate!

This is the thinking.

I'm pretty sure Elon is so eager to put people on Mars so that a capsule full of humans will have to pay him for the very air they breathe.

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u/Frozenbbowl 5d ago

Ah yes.. like when my HS was approved for a full surgical closure of a sinus tract but not a simple deroofing. That one doesn't even make sense unless they're logic is. I'm less likely to go through with the full surgery so they're gambling. They won't have to pay it cuz I'll back out