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Worse Than the Mob: The Insurance Industry Is Organized Crime -- William Rivers Pitt

Health & Wellness  (tags: abuse, cancer, children, death, disease, drugs, healthcare, INSURANCE INDUSTRY, medicine, protection, risks, safety, society )

- 1537 days ago -
We got accountants playin' God and countin' out the pills Yeah, I know, that sucks - that your HMO Ain't doin' what you thought it would do But everybody's gotta die sometime... --- Steve Earle

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Kit B (276)
Thursday March 6, 2014, 2:28 pm

Read this and you feel like share your own story. Some of you know part or all of mine and it's up there, or a little bit of it is up there. I'm not too interested in prognostications of whether or not Obama care will work, the model in Massachusetts does what is intended. It saves the state and Federal government money on healthcare.


JL A (281)
Thursday March 6, 2014, 2:59 pm
Thanks Kit--I could add a ream of stories of people who quit jobs in the industry because of ethical concerns and of others' horror stories.
In CA, if it is related to an HMO the minute someone shares I tell them file a complaint with the HMO's related dept. and if no satisfaction, with the State's HMO complaint agency. If it is with an insurance plan (including PPO), I tell them to file a complaint with the Insurance Commissioner. Statutory timelines force speedier responses and resolution than I've ever heard about a person and/or their doctor getting out of an insurance company.

Yvonne White (229)
Thursday March 6, 2014, 3:19 pm
It seems all the Corporations of America have taken the MAFIA "model" to heart! Bankers are the new-age loan sharks - (I remember when I got 5% interest on pass-book savings - now you have to have hundreds of thousands to get That good interest) , credit cards that are 29% interest (Or More!), and then there's the "hands-on" kinda cruel: Insurance! It makes me sick..:(

LaurenBackSoon Kozen (173)
Thursday March 6, 2014, 5:42 pm
Noted & Shared. Thanks so much for posting Kit.

. (0)
Thursday March 6, 2014, 5:46 pm
Noted & posted Kit.

Deb E (63)
Thursday March 6, 2014, 5:51 pm
Always threaten to file a complaint with the Insurance Commissioner when you get the run-around, and then follow through if you still get nowhere. I have many horror stories about how the VA used to be, and they aren't much different from what this story was about. It has changed some now, but for a long time, it was horrible. I've also had my fair share of insurance company problems, and the threat of the Insurance Commissioner has always worked. With the law now in effect, they shouldn't be able to get away with as much. But I agree with him, single payer is the only option. Forget insurance companies.

Diane K (134)
Thursday March 6, 2014, 6:10 pm
Thanks for sharing, Kit

Freya H (357)
Thursday March 6, 2014, 6:31 pm
I have scant faith in the clusterf--k we have for a health care system, including health "insurance." No wonder some people go for years without seeing a doctor, or try home remedies or alternative medicine. Our heartless health insurance companies are all part of the Dictatorship of Dollars running this country. One statistic I have read is that 62% of personal bankruptcies are due to medical bills, and of these people, 3/4 already had health coverage. Or thought they did. Granted, I can't vouch for whether either number is true - and I am well aware of Benjamin Disraeli's (NOT Mark Twain's) famous observation about statistics and lies - but if there is any truth to that, it shows just how sorry our health care system is. I'm sure that single-payer systems have their drawbacks and bewares, but that kind of arrangement is looking better and better.

DaleLovesOttawa O (198)
Thursday March 6, 2014, 6:33 pm
My own story...I live in a country with universal health care and just shake my head at what Americans have to go through. Most western democratic nations have some form of universal health care but the greedocracy and lobbyists in the U.S. somehow see it as 'socialist' - even the Obamacare, which hardly resembles true universal health care.

If I need emergency surgery, it is performed and I never see the bill. I don't even know how much it cost - but I do know that comparable operations done in the U.S.have higher costs that Americans are billed for.

Mitchell D (87)
Thursday March 6, 2014, 6:35 pm
The insurance industry, which used to be known as the owners of the GOP, is not your friend!
They have figured out how to "Have your cake and eat it, too." And they have eaten their cake, your cake, my cake, and then some!
It absolutely is a racket!
The industry sponsored the misleading propaganda ad, featuring that couple, that helped destroy Pres. Clinton's attempt to bring sanity to the field.
I could go on, and on....

Terry King (113)
Thursday March 6, 2014, 6:39 pm
Although I am certainly sympathetic... W.R.P. is not without resources. I would find a way to provide medication for my family member with MS if I had to sell my car! Something here doesn't make sense. I would have paid out of pocket and then filed a claim against the insurance company.

JL A (281)
Thursday March 6, 2014, 6:53 pm
MS drugs can easily run more than $30,000 per year or more than $2500 per month

David C (131)
Thursday March 6, 2014, 7:00 pm
.....sadly there are too many in this country who don't realize the harms of the GOP......otherwise it would be easy, vote all the GOP out of office and create medicare for all.......and then let doctors and patients decide on the best evaluations and treatments rather than accountants.....

Kit B (276)
Thursday March 6, 2014, 7:58 pm

Terry, Will is a writer and though he is able to provide for his little family, he is not a wealthy man. The costs of the medications for even a month are mind boggling.

Bryna Pizzo (139)
Thursday March 6, 2014, 8:22 pm
Pitt crucified the insurance companies, but it is useless. We didn't get a single-payer healthcare plan because the government is run by and for corporate interests. We have to vote for candidates like Elizabeth Warren who are committed to serve the people and eliminate those who serve corporations at the voting booths once and for all. We need true change, not a con artist. Thank you for sharing another exceptional piece by Pitt.

Terry King (113)
Thursday March 6, 2014, 8:37 pm
Kit... I have never been a wealthy man either but I have always done whatever was needful to provide for my family. I would bet that Mr. Pitt makes more as a Novelist and manager of Truthout than I ever did as a trade unionist. It is my impression that the insurance problem as reported by him is only temporary and would be resolved in a matter of days. I don't want to appear argumentative or unsympathetic but if this story is accurate, Well needs to get off his ass and get meds for his wife by any means necessary.

Fiona O (565)
Thursday March 6, 2014, 8:42 pm
I am quite sure that all of the insurance corporations are going to try to get the last dime out of the people before Vermont starts its single payer program in 2015. When that happens, within two years, all other states will see how much money single payer saves Vermont. The other states will follow Vermont's lead, dumping all of these gangsta insurance corporations.

pam w (139)
Thursday March 6, 2014, 8:50 pm
Nothing could have guaranteed a smooth roll-out of the ACA, even if the Republican stooges weren't trying every low trick they know to serve their Insurance company masters.

Carrie B (306)
Thursday March 6, 2014, 10:31 pm
This is not at all unusual, unfortunately. The worst part is that I know from spending years working with ~ not for ~ various insurance companies, that during this time Anthem had the ability and ethical obligation to approve enough meds until the problem was resolved. It makes me angry when I hear that not one person would take it upon himself to make the right decision help this woman! Money is truly the root of all evil!

Constance F (418)
Friday March 7, 2014, 12:29 am
well yeah ~ your're Australian Ros, so you don't understand what i am talking about. focus on something else in the article.

MmAway M (505)
Friday March 7, 2014, 12:32 am
How Fun...going to forward this for the Heck of discussion!!! TU Kit! Tu Kit & Constance!

Susan L (150)
Friday March 7, 2014, 1:01 am
Excellent article. I am thankful for the ACA. It was a pain in the a** to get connected, information, talk to any human being, AND to know exactly how to fill the forms out. I started on Oct 1 and just got it taken care of Feb 5. Exhausting, frustrating, maddening? absolutely. I would bet, that most people who have such problems have filled the forms out incorrectly - I did - then couldn't get it fixed. that's when I finally managed to get in touch with a person to help correct my mistake (it is EASY to make a mistake when you don't normally do this sort of thing.)

People who WANT to diss the ACA will do so regardless... God forbid that something so needed for so long and so blocked, chopped and fought against by Republican/Tea Party - still managed to become LAW... and because of all the BS has a very rocky start. It is the BEST we have until 'single payer' comes, and that's a FACT. Too many negative "stories" have been proven false, or at least too eager to be told before it's even had an opportunity to be fixed or corrected.

I am frankly quite fed-up with all the negativity that is so easily passed off as truth if it involves this administration in any way, shape or form. It is disgusting. The racist, elitist, die-hard party affiliation or some other hate oriented self-serving agenda that fuels every bit of it. It is destroying this country and turning people against one another in ways that we see across the world now days.

Constance F (418)
Friday March 7, 2014, 1:16 am
can someone explain this. why are people penalized if they choose not to be part of the healthcare system. (ACA) ~ EXPLAIN THAT. Why is it a LAW that we feed this system. Why not just make it AVAILABLE ? Cut me a damn fool's brake here.

Past Member (0)
Friday March 7, 2014, 2:04 am
I'm surprised there are societies around the world they have insurance industries... Wow!

Nancy C (806)
Friday March 7, 2014, 3:46 am
will comment later...horrendous. off to work

John Holton (344)
Friday March 7, 2014, 3:46 am
Insurance companies are tied to the medical profession and the government. Insurance companies make a lot of money from people who pay high premiums, and never use the Insurance. So they can afford to pay High hospital bills and high Doctors fees. This allows Drug companies to charge 4 times what the drugs are really worth. In 2008 They were playing around with peoples investments (A.I.G) Banks like wachovia, etc. When the market was high they were making big bucks, a lot of the time not knowing even knowing who they were selling to or buying from. Then when the 2008 crash came The banks and the Insurance companies were left loosing billions of dollars of investor's money and retirement funds. A.I.G. was too big too fail???? So the investors lost there money, and banks and insurance companies were saved. This problem has not gone away. We just keep raising the debt ceiling. And though the stock market is doing well right now, it's still very over inflated. We need to have national insurance, like England and Canada. And end all this corruption!!!

Ken O (55)
Friday March 7, 2014, 4:09 am
Constance, you must be an idiot and no one cuts "fools breaks" to any fools, especially people that are too stupid to comprehend how the ACA works. You seem to be willfully ignorant all the way around. Personally, I'm no fan of insurance of any sort, worked for Prudential when I was a young man. The Insurance industry is the wealthiest industry there is, they didn't get that way from you paying them pennies while they pay out thousands or hundreds of thousands. It's like Americans want to eat shit, live in shit, spend their money on shit, take no responsibility for their own health or what they put into their bodies then, when their health takes a nose dive, have someone else pay for it then whine about it when they don't pay enough or don't pay at all. Start paying attention to how you live, what you eat and drink and you won't need insurance. Insurance company's aren't there to take care of you they're there to MAKE MONEY. Just like the manufacturers of junk food aren't there for your health they are there to MAKE MONEY. Wake up, probably more than half the crap in your local supermarket ISN'T FOOD, don't eat it. 75% of more of what you can buy to drink doesn't belong in your body including every type of carbonated beverage, they are chemical cocktails loaded with sugar and caffeine, don't drink them, any of them. I'm 67 years old, I take nothing, not even aspirin. I've lived a good life, if I died tomorrow I'd die knowing I've lived more life than most people have considering something like 80% of the world doesn't have indoor plumbing, no refrigerator, no TV, no air conditioning, no heating, no indoor toilet, we live like kings and queens. Everybody dies, everybody, no exceptions, nobody get's out alive. Either live in total awareness of what you put in your body or suffer the consequences. Don't expect the insurance industry to "take care of you", the insurance industry want's you to take care of them and if you've bought into the stupidity that you just need to pay them a weensy monthly fee and they'll take care of all your medical bills because you're too stupid to take care of your body, you are an idiot. Me, I'm on medicare, my wife is on the ACA at $60 bucks a month with very decent coverage. If we could opt out, we would, just like we would opt out of having a car if it were feasible, opt out of utilities if that were feasible. We keep cutting back on items we used to think were necessary. Just think how many thousands of years humans lived without soft drinks, without TV's, without telephones, without air conditioning, without heat, without refrigeration. We keep moving away from "modern" things, wish we would have long ago. But I digress. Insurance is a scam, most everything else is too. Don't want to be sick? Watch what you eat and drink, don't live where the air is bad (which is getting harder). Think it's hard to move? No shit, rather be sick then?

Past Member (0)
Friday March 7, 2014, 4:14 am
Thanks for sharing

Terry King (113)
Friday March 7, 2014, 4:23 am
Ros Good question... First, thankfully, I always had union insurance during my 42 year career. Now that I am retired my union brothers and sisters provide me with health insurance for life. If I didn't have my union benefits I would have V.A. medical due to my service in Vietnam. I am very grateful for my life and for my good fortune and I realize that have been very lucky. I just find mister Pitt's rant to be a little disingenuous. Also, blaming the president for this unwieldy system is also disingenuous... Had the progressives and the president had their way, we would have single payer health care and the health insurance racket would be over.

Craig Pittman (52)
Friday March 7, 2014, 5:18 am
Privatization by definition is about profits. This becomes the driving force for its decisions and actions. I am so grateful to be living in a country with universal health care.

Arielle S (313)
Friday March 7, 2014, 6:25 am
Whew - you know how to evoke some comments, Kit. I personally feel Ken O has some really good points - we need to take more responsibility for what we shove into our bodies and how we manage those bodies. We need to speak out against the things that are slowly killing us - GMO's, useless chemicals, fake food, tobacco, pesticides, etc. Then we need to vote into office a few people who actually give a damn. And instead of being negative about ACA, we need to make it better so these - pardon my French - dickhead insurance companies cannot get away with what they are getting away with. That would also include the drug companies who spend a fortune advertising their drugs ....

Nancy M (197)
Friday March 7, 2014, 6:38 am
Thanks Kit. I am having a very busy day but this is a great article which I need to read more thoroughly. Will be back.

Giana Peranio-paz (398)
Friday March 7, 2014, 7:09 am
This is one great reason to live in Israel, we have the best affordable for all medical insurance and the greatest doctors!!!!!!!!! Thanks Kit.

Vallee R (280)
Friday March 7, 2014, 7:58 am
Fortunately I have not had to deal with the ACA at this point - I am on a Medicare Advantage program but there is something I have even discovered here - they are now processing all medication as if every month has 30 days - what this means is that if someone doesn't have extra - that many months we are a day short. In addition our pharmacy is getting busier and they will not add more people so sometimes it an take 2-3 days to fill. I have one medication that I can only call in the day before I am suppose to need it. Than I have to wait 2-3 days for them to fill it; that means sometimes several days without it. Consequently, I take a bit less than
prescribed to be assured I don't run out.

My point here is that all insurances are beginning to truly ration health care. I do not believe that the ACA or any insurance company cares about us! I watch what I eat; make my own bread etc., etc.... but things do happen and as the article states - sometimes the MD's have to surrender. My MD wanted an ultrasound of my wrist. I had to wait 3 weeks in order to get one to only discover they wouldn't cover it unless I got an X-ray first. They just didn't want to pay for it. So when did insurance companies become doctors????? Now I have to wait until the X-Ray comes back and then possibly schedule another ultrasound if I don't end up in the ER first. ACA, Medicare, whatever.... the people working there might care - but the company does not!

Thanks Kit for the article. I don't get into debates with people - not good for my soul! That is taking care of myself.

Constance F (418)
Friday March 7, 2014, 8:41 am
jeez Ken ~ a little harsh. lol. the babbling idiot here clearly understands how ACA works, clearly understands how health insurance works, clearly understands people's responsibility for their health, clearly understands the machine of big Pharma and conventional medicine, yada, yada, yada..... and i don't need or want to be a part of it. (healthy ~ and goodie for me) ugggghh. SOCIALIZE MEDICINE. period. done.

Angelika R (143)
Friday March 7, 2014, 9:54 am
..following Val's wise decision, neither will I. Most here know anyway what my comment would most likely be, livinf in one of the lucky/luckier countries.
If the latest news about Bernie Sanders are genuine and he will be campaigning (I posted it), the asn you all know what to and things will develop as Betsy suggested. That is, provided that the candidate will NOT have some mysterious sudden accident or such..

Kit B (276)
Friday March 7, 2014, 9:56 am

Approximately $60,000 for a one month dose of medication may well be beyond the means of any middle class family. Whether or not that money would be recouped from the insurance company would remain an unknown until or unless a check was issued by the insurance company.

Angelika R (143)
Friday March 7, 2014, 9:58 am
oops, sorry, my cursor/touchpad screwed up sentence above, read: "then you all know what to do"

Sheryl G (363)
Friday March 7, 2014, 10:07 am
Wow, some good comments on here and stimulating conversation. Perhaps not so good if one has high blood pressure.

Terry K. I am inclined to agree with you, with such a horrible outcome if his wife didn't get her medication I'd tired to find a way to make sure she got some before she ran out. One can't assume anything is going to run smooth or like it did in bygone days, technology I find makes things less so in a lot of cases. Then throw in the fact most Corporations are trying to get the work done by as few people as possible on as little wage as they can get away with and nothing seems to get done correctly anymore. However, we are not in his shoes, so perhaps there are reasons he is unable to do so.

It is with great sadness that I read the others postings that were sent to him from their experiences and this is happening every day at every level in this society, and those are the lucky ones that got to live or are still alive for many are dead due to this broken health careless system. That the people are not in the streets with their pitchforks and torches is beyond me, but I guess that non food they have been consuming that Ken mentions has their minds in a fog and the constant lies being fed to them, have them believing in the unbelievable. Denial, fear that if there is any change it will be worse for them, freezes them in place to accept the unacceptable.

I'm always amazed how when I traveled to Canada, that a Doctor there was able to give me a medication that my own Country couldn't give me, that fixed my problem quickly and charged me for the whole thing only what a night at a Motel would go for.....and that was treatment via an Emergency Room! Told me what I had, what I needed to tell my Dr. when I got home to do as that medication wasn't available in the USA. Thankful I had a Dr. that listened upon my return and my issue was taken care of. Previous to that, the Dr's in the USA couldn't at all seem to figure out my problem. Thank you Canada.

In the so called richest Nation in the world, that we should be dealing with such a broken system, that children go to bed hungry, and our Elders must pick between food and heat is disgusting and the American people put up with it. They keep buying into the big Fat Lies fed to them and keep accepting this instead of wondering if the poorer Countries can take care of their people better on many levels why can't the USA. Until we can get the Military Industrial Complex, the Prison Industrial Complex, the War on Minorities, Women and Poor in general in check, along with this Health Careless System; the people will continue to suffer. You can't live under a set up of a rigged system, whereby for a few it works, for some it sort of works okay, and the rest flounder and eventually sink.

Ken O you are correct in that more people need to take care of their own bodies, eat better, exercise, learn to deal with stress in a healthy way. However that only goes so far, for the poor do not always have access to the nice fresh fruits and veggies, in inner cities that is hard to find, and I'm glad to see more Urban Gardens for the people. Cost is another thing, when a Mother must feed hungry bellies the foods that fill those bellies may not be always the best selection; the healthier foods do cost more. I recall when all food was Organic, now it is IF you can pay for Organic. Not everyone is also working with the same educational level either and I would like to see a Country that would protect it's citizens more. As you said, 50% of the food in the Supermarket is not food, then it shouldn't be allowed to be sold in a Supermarket. The Corporations should not be able to sell us so called FOOD that is anything but. We shouldn't have all these chemicals in our foods and the GMO's not to be allowed. From grade one on through there should be a good education on what is considered real food and teach nutrition. But so many schools are even having to cut out PE to contain costs, and buying cheaper and cheaper so called "food" to serve in the cafeteria. Pack your own lunch but for some of the poor they are unable to do that, the free or reduced meal at school is sometimes the only meal of the day for many children.

As for the penalty if one doesn't have medical insurance it goes something along this line. Oh, it's a penalty for 2 reasons, if the young and healthy didn't buy into the insurance pool they wouldn't make a "profit" serving only the older or sicker......hence again, a "for profit" system for our health care needs to go, the other is they made it like a tax, hence why when it went to the Supreme Court it wasn't thrown out. If you don't pay the IRS this as tax, either by a health care policy or the penalty, then you are a bad boy or girl. Pay your tax, unless of coarse you are a People Corporation, then you don't have to pay taxes or little tax anyways. But those are "special" in their person(s). When you grow up to be a People Corporation you won't have to pay your tax or penalty like them.

The penalty goes like this: In 2014 it is $95 per adult in the household, and $47.50 per child, or one percent of your family’s income—whichever is greater. You make the payment when you file your 2014 taxes, which are due in April 2015. Hence it's a tax.

The penalty goes up over time. In 2015, it’s about $325 per adult, $162 per child, or two percent of the family’s income. And in 2016, it jumps all the way to about $700 per adult and $350 per child, or 2.5 percent of a family’s income—whichever is higher. After 2016, the penalty fee is adjusted for inflation, so it will continue to increase.

There are exemptions for this penalty:

Members of certain religious sects who object to insurance, including Social Security and Medicare
People uninsured for less than three months of the year
Those who don’t file tax returns because their incomes are too low
Members of recognized health care sharing ministries

There are several categories of “hardship” that MAY qualify for an exemption, like being homeless, being evicted, having medical expenses you could not pay, suffering domestic violence, filing for bankruptcy, the death of a close family member, or natural disaster.

Also if you’re under 100% of poverty, and the state chooses not to expand Medicaid, you’re not going to get hit with that double-whammy of not having affordable insurance options, and having to pay a fine.

This Affordable Care Act helps some, hurts others, doesn't curb the cost of rising health care costs, has been confusing, no thanks to many who have stirred the pot, however it is what we have right now. I suggest that we all try to take care of ourselves as best as we can with the income we are living under and fight like hell to come into the Civilized world of Universal Health Care.


Vivian B (169)
Friday March 7, 2014, 10:49 am
It doesn't matter how we attempt to back the President. As long as insurance is involved with healthcare, there is a conflict of interest. The insurance is conflicted by wanting to keep all the money that you pay in premiums. Healthcare is there to do what it is supposed to do, healthy. As long as there is that kind of profit-driven bottom.line for insurance, they are not going to be good for healthcare.
Single payer is the only option to make the healthcare system work like it is supposed to, in this day and time! Insurance has got to get out of the doctoring business and leave it for the people who actually care if you get a decent quality of life!

Terrie W (798)
Friday March 7, 2014, 10:57 am
Read and noted. Not going to even start on 'my story' as most of my peeps here already know the boat I'm so not discussing it further. We need Universal health care or Medicare for all. Period.

Past Member (0)
Friday March 7, 2014, 12:58 pm
Organized crime, the government, and corporate amerika merged to screw the people a long time ago.

Jamie Clemons (282)
Friday March 7, 2014, 1:08 pm
This is what capitalism looks like where your lives are bought and sold for a quick dollar. Thanks Obama for selling us out to the for profit health care system dreamed up by a republican and making sure that we would not get universal coverage or single payer.

Nancy M (197)
Friday March 7, 2014, 1:09 pm
"Approximately $60,000 for a one month dose of medication may well be beyond the means of any middle class family."

WOW, I don't know about the rest of you but my insurance has a lifetime cap of one million. I thought most did have a cap like that.

60,000 x 12 months is 720,000 or almost one million.

Just saying....

So even if it were covered, it would be for about a year.

Birgit W (160)
Friday March 7, 2014, 2:05 pm
Very true. They want our money, and when we need their help they refuse to pay.

jan b (5)
Friday March 7, 2014, 2:50 pm
No other country has a FOR PROFIT system on sick people ...they don't allow it.
If you knew what went on inside an insurance company you would know why premiums are so high...and I'm not just referring to medical insurance.
In Florida our legislators agreed to let insurers raise premiums up to 30% on auto-propert without just cause because it's all such a terrible system. . .
Insurance companies prefer to insure people in Idaho for hurricanes.....and that explains how they don't work for us.

Rose Becke (141)
Friday March 7, 2014, 2:59 pm
Wow the comment in their self are worth reading

Past Member (0)
Friday March 7, 2014, 4:59 pm
Robert O., Jamie and Dandelion deserve a thousand green stars. They said it all. The government first started all this by saying they were going to fix the current health care system we had and stop the overcharging, padding bills and greed and fraud. All of a sudden there is talk of affordable health care with hidden things in it as well. Some of the medical people have said it will be years before they know what all is actually in it, too long that many of them have not even read the whole thing through but they voted on it anyway. So far from what I have heard from local people is they have been cancelled or going through a nightmare. I wrote about our daughter on one of Carrie's news posts on health care earlier.

JL A (281)
Friday March 7, 2014, 5:57 pm
Annual and lifetime maximums are history with the ACA (response to Nancy M.).
Data is showing the growth of health care expenses has slowed with the ACA.
The ACA limits how much can be administration or profit where if the company doesn't spend that percent reimbursing care for insureds then they have to refund that portion of premiums collected.

Shirley S (187)
Friday March 7, 2014, 6:10 pm
To ANYBODY going through this sort of HELL please accept my SYMPATHY. I consider myself extremely fortunate to be living in Australia & also being in a competent health fund who I can communicate with whenever necessary.

Kit B (276)
Friday March 7, 2014, 6:49 pm

The ACA ended the life time cap of one million dollars as well as preexisting conditions.

Remember, from a few weeks ago I submitted an article about medications that cost nearly half a million, and those may no be covered by all insurance.

Patsy Olive (0)
Friday March 7, 2014, 10:17 pm

Past Member (0)
Saturday March 8, 2014, 5:37 am
based on the number and content of the responses, quite the heated issue for many. thanks for sharing

Nancy M (197)
Saturday March 8, 2014, 6:19 am
Thanks for the info JL and Kit. I did know about pre-existing conditions.

Sheryl G (363)
Saturday March 8, 2014, 6:47 am
Shirley, as I've said to my other friends that live in places like Canada, the UK, or Australia, do NOT let them take away what you have for a more "American" approach. If that happens it will be a major regret. Too many people suffer in one form or another under this system. Even when it worked better than it does now, it still tied people to jobs they hated.

People might of had a good health care policy with the employer but they truly hated their job and felt stuck in it as their child may of had a pre-existing condition, or perhaps they had a heart condition, knowing if they left the job they'd never get medical coverage for themselves or their child.

Many people who wanted to move to another place or wanted to go out on their own to become self-employed and create were afraid to do so, for trying to buy a health care policy as an individual was costly even if they could get a policy, forget it if they had anything wrong with them.

Too many people die by the decisions of these rip off For Profit Criminals......I recall one woman with medical insurance was denied payment for her cancer treatments. Why? Because she had failed to mention she had acne as a teenager that she was treated for. That she failed to mention this when she had applied as an adult under her own policy. This young women was allowed to die, leaving her children behind because she failed to mention she had acne.

If I was a younger woman I'd be beating down the door to try to get into Canada or Australia at this point as it doesn't seem like the American citizens are ever going to scream loud enough and these Criminals have us by the balls as George Carlin had said. Keep our health Careless system out of your system......I implore you.

Ellie K (8)
Saturday March 8, 2014, 7:44 am

Terrie W (798)
Saturday March 8, 2014, 8:11 am
I wish someone would adopt me, (hubby and 3 dogs)...who lives in Finland, Norway, Sweden, Canada...or ANY country with single-payer healthcare.....

Winn A (179)
Saturday March 8, 2014, 8:47 am
I use to work for an HMO several years ago. Greed and corruption and who you know. Enough said.

Ann M (0)
Saturday March 8, 2014, 10:45 am
I was very vocal against 'Obamacare' and got shouted down. Now people are telling stories like this. I will pray and try to be as healthy as possible with alternative medicines, hoping Big Pharma doesn't pad the pockets of Congress to regulate supplements.

Sheryl G (363)
Saturday March 8, 2014, 3:11 pm
I am thankful under the Affordable Care Act that pre-existing and caps have ended but it isn't what many of us had asked for or wanted. This isn't what Finland, Norway, Canada, nor Australia has, it isn't what Japan, nor the UK or Switzerland has, it isn't close to Iceland or any of the other Industrialized Countries has, this offered a few people a bit better than they had, I'm glad for that......but we can't stop there. This is NOT what I've been trying to get in this Country as a Universal Health Care.

JL A (281)
Saturday March 8, 2014, 3:52 pm
If enough states follow Vermont's lead, we may have the better system--in CA our last GOP governor wanted to do it but didn't know how to make the math work and ACA provides that for all states.

Joanne Dixon (38)
Sunday March 9, 2014, 8:27 pm
Far be it from me to suggest that the insurance companies - a totally different list of players, incidentally - writing Auto insurance and Property Insurance (Homeowners, Renters, Condo, high value property, boat, umbrella liability) are perfect, for they are not. But I do cringe any time I hear anyone say "The Insurance Industry" because that includes Auto and Property Carriers, and Life Insurance Carriers, who may not be as reputable as Auto and Property Insurance Carriers, but are still several steps ahead of Health Insurers. Is it really hard to say "The Health Insurance Industry" instead of "The Insurance Industry"?

Robert B (60)
Monday March 10, 2014, 11:20 am
The fault for this mess and lack of single payer health insurance lies DIRECTLY at the feet of EVERY CONGRESSMAN and SENATOR who fought the idea of Universal Health Care. THAT is where the blame lies. They have allowed themselves to be bought the the corrupt Insurance industry.

Sheryl G (363)
Monday March 10, 2014, 12:11 pm
This is why it is paramount to get the money out of the elections. When their job depends on who will fund their campaigns the average individual hasn't a chance to get what is in their best interest. It takes a strong fighter who will stand up to them, it takes a good speaker like a Bernie Sanders to be able to explain to their constituents what is going on. Few do. They run scared of the Big Money so play right into their hands most the time.

Danuta W (1249)
Tuesday March 11, 2014, 11:48 am

Sheila D (194)
Wednesday March 12, 2014, 6:15 pm
I feel very lucky t be a senior in MN whose income is way, way below poverty level. Before ACA I qualified for Medical Assistance. Now I have something called Ucare. The University of MN is partnered with the state and with MA. I qualify for "extra help", which means no premiums and any copays are taken care of by Ucare, the state or by MA. Everything is on sliding fee scale. There is an approved list of doctors and dentists, but since I live in rural area with only one hospital and a large clinic I already go to, no problem for me. I do have to pay copay on brands under $4 and generic $1.20 each. I'm going in for surgery in April. I will have no copays and Ucare will pay for someone to stay with me for 24-48 hrs after, since I can go home same day. My family doesn't live close so have nobody to come and would then have to pay for my stay in the hospital overnight, and any food...hate hospital food.

I think I have who pays what all straight but can even get a bit confusing to me. My biggest problem has been having to change dentists...mine wasn't approved...minor problem compared to the horror stories here.

Susanne R (235)
Monday March 17, 2014, 12:10 am
Every time I read these horror stories, it reminds me of the novel "The Rainmaker" by John Grisham, who is a lawyer, and the movie adaption starring Matt Damon. It involves a young man dying from leukemia whose insurance company would not authorize the bone marrow transplant needed to save his life because his mother had purchased and faithfully made monthly payments on a sub-standard insurance plan --you know, the low-cost kind that the ACA will not authorize and which gave the Republican party a reason to attack President Obama and call him a liar because "the people who wanted to keep their current plan could do so." Unfortunately, they couldn't do so if the plan was substandard. The people who wanted to keep their "substandard" plans wanted to because they were cheap. The would have regretted their decision had they become seriously ill. Too bad President Obama did not specify that they could keep their current plans --as long as they weren't substandard. I think all these people who are complaining should read the novel or see the movie. I did both, and Matt Damon did an outstanding job as a young lawyer who had just passed his bar exam and took on the wealthiest and most devious Southern lawyers imaginable. A lawyer wrote this novel, and that in itself is telling...

Susan L (150)
Monday March 17, 2014, 12:32 am
Great point, Susanne!

Sheryl G (363)
Monday March 17, 2014, 5:53 am
Yes, substandard. This is where I find that the Democrats fail in getting out the message. The Republicans are all pro's at pushing the message, even if it is only Half the truth or little to no truth in it at all.

"A lie can travel halfway around the world while the truth is putting on its shoes." Mark Twain

Dan Karr (1)
Monday July 14, 2014, 10:33 am
Insurance companies delaying and denying claims is a serious problem, and it continues to get worse. After experiencing this myself I have dedicated my life to solving this problem. Government will not solve this problem for us as proven by our elected officials letting the insurance industry be exempt of federal regulation for 69 years now. The organization I founded is called Injured Money. We are bringing to market a insurance rating system that rates insurance companies based on claims payment, something that has never before been available. I can only hope this helps you or your loved one's so you do not experience the "second nightmare," the nightmare caused by the insurance company following the accident or tragedy, that I experienced.
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