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result #82941 - HEALTH INSURANCE AGENCIES: A BUNCH OF SCUM-BAGS?

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HEALTH INSURANCE AGENCIES: A BUNCH OF SCUM-BAGS?


[+] serious ballot by mojo
created Fri Oct 21, 05
I've had a devil of a time with them.

Being self-employed, I can't afford more than basic, catastrophic insurance - that is: any unforseen malady or accident that costs more than $5000. Regular check-ups or dental visits are NOT included. Cost of medications are NOT included.

As I am paying, individually, nearly $4K/year for this 'service', I applied for an insurance plan at another agency that seemed more affordable.

Upshot: I was rejected.

Reason: Depression, occasional allergies, occasional back/neck pain.

I exercise every day, don't smoke, have low bp, and weigh 118lbs (5'6").

What demographic would I have to fit for them to accept me? How about if I was a pod person, genetically engineered for perfect health and eternal youth?

(Note: I was under the impression that the Kennedy-Kassebaum bill, it was illegal to deny a person health insurance based on depression. I'm wondering if I should take this to a local media source.)

Sorry about this latest rant on the subject. But, given this sad little story, do you think these agencies are scum-bags?

Yes 12
No 0

Ballot #82941: has 12 total votes.
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COMMENTS:
Another note: my doctor thinks they are scum-bags - that was his word. Why don't doctors unite and drive these people out of business? Why should pencil-pushing bureaucrats dictate who gets what treatment?

I think this is just another example of a world that is through the looking-glass.

by mojo on Fri Oct 21, 05 3:11pm [+]

You're absolutely right, Mojo, it is illegal to deny health insurance on the basis of depression. I think you should challenge it.
by nuckinfutz on Fri Oct 21, 05 3:14pm [+]

Mojo, you definitely need to shop around. You should absolutely be able to get insurance for less that that (by half) and get much more coverage. Try Blue Cross.

Also apply several times. When I first bought my insurance I was denied by Blue Cross but then went to a different agent and was accepted. I don't know the details of how it all works but there is some advantage to shopping around.
by xxxxxxxx on Fri Oct 21, 05 3:29pm [+]

All they care about is making money, they couldn't care less about people
by Kiki on Fri Oct 21, 05 3:33pm [+]

It's definately a racket. The moment you need them, they turn tail with your premium payment.
by _Beelzebubba on Fri Oct 21, 05 3:58pm [+]

Did you catch the latest trick our politicians are playing with healthcare? The Republicans are introducing a bill that will "streamline" and "modernize" the emergency room care. When you blow away all of the smoke, it is actually an attempt to reduce emergency care for indigent patients.

And yes, Mojo, these are the greatest scumbags in America right now. They have defeated the will of the people through bribes (lobbying and contributions), and they grow more arrogant by the hour.

Who knows where it's going, but we can hope it gets blown apart one day soon.
by xxxxxxxx on Fri Oct 21, 05 4:21pm [+]

griffon you are by far one of the most cynical people I have come across.

mojo, you can get decent healthcare for less than you are paying now.

be optimistic,
by xxxxxxxx on Fri Oct 21, 05 5:04pm [+]

^Inter: Perhaps I am cynical. But there is so much evidence of the healthcare/prescription drug industry working their will against the best interests of most Americans that it has become difficult to tell what is cynical and what is realism.

Honestly, the healthcare/prescription drug industry in America has become a metaphor, in my opinion, for all that's wrong with our political process.
by xxxxxxxx on Fri Oct 21, 05 5:26pm [+]

Yes, they can be hell to work with
by lunarshadows on Fri Oct 21, 05 5:55pm [+]

More like a plague of scum on the Earth. i_r, please send a list. I'm in the same boat as mojo.
by Truthseeker013 on Fri Oct 21, 05 9:08pm [+]

I can't send a list because undoubtedly my physical health is different from yours or mojo.

I am not defending insurance agents by the way.

I had to shop around. blue Cross and Kaiser both refused at first, but then both later accepted me.
by xxxxxxxx on Sat Oct 22, 05 2:35am [+]

I have a solution Mojo, but it quite drastic... but think about it.

Marry me, become a British citizen and never have to worry about your health care ever again... better still marry a Finn, they have an even better system.

This offer is open for only 10 minutes..... wink
by Steelhamster on Sat Oct 22, 05 11:31am [+]

You could just come to Canada. At least some of your health costs will be subsized.
by aya on Sat Oct 22, 05 12:16pm [+]

If the quality of healthcare, not the price, in Britain or Canada was so great how come so many people come here for treatment? Especially if they can afford it?
by xxxxxxxx on Sat Oct 22, 05 6:47pm [+]

It is like the government saying that everyone has a car.

but you can only use it according to some schedule that they set.
by xxxxxxxx on Sat Oct 22, 05 6:48pm [+]

My dad went to England for a procedure on his eyes that is not yet done in the U.S. Fixed the problem beautifully.

Lots of cutting-edge healthcare in Europe.

Besides, isn't it better to have access to healthcare than to be shut out because you have no money?
by mojo on Sun Oct 23, 05 9:19am [+]

I won't argue that Euros have cutting edge medicine.

Who is getting left out here?

I know that some of the preventive stuff lacks, but too bad.

I have a froggy friend that is a janitor in a school in Canadia and he broke his wrist on the job. he went to the doctor and was told to come back in 6 months when they broke and reset his wrist.

He only had to wait 6 months.

My dad, who didn't have insurance was hit by a car and broke both of his legs. He was given extensive medical care.

And it really is funny that people think it is free. Nothing is free.
by xxxxxxxx on Sun Oct 23, 05 5:29pm [+]

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