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But, as described in the article that system does not function. Acquiring insurance does nothing to ensure that the facility you visit will accept that insuran
by ncallaway 8y ago
But, as described in the article that system does not function.
Acquiring insurance does nothing to ensure that the facility you visit will accept that insurance.
Further, even if the facility you visit does accept the insurance, that's no guarantee that all doctors within that facility accept that insurance.
Even further, there's no guarantee you'll be conscious to validate that you go to a facility that accepts your insurance.
The insurance system needs to be fundamentally repaired before it can be used to support a "free market" healthcare system.
- krupan 8y ago"That system" as described by parent has not been tried, at least not in recent memory. What we see happening now are thousands of unintended consequences from government meddling with the free market.
- TheOtherHobbes 8y agoI think you mean from the "free market" - which is neither free, nor genuinely a market - usurping the good-citizen responsibilities of mature and sane government.
- tshanmu 8y agoPlease read above as to why free market fails for emergency services
- darawk 8y ago> Acquiring insurance does nothing to ensure that the facility you visit will accept that insurance. Does acquiring a credit card ensure that businesses will accept it? When you select your insurance plan, check who accepts it. Problem solved.
- tclancy 8y agoAnd only have emergencies around there and don't lose consciousness! It's simple math people!
- darawk 8y agoBuy insurance that has good coverage for the places you are likely to be. Why is that a problem?
- hiokuer 8y agoMove to Europe or mostly any place outside the US and be able to forget about this idiocy.
- nogrammer 8y ago...because even if you end up at a hospital where your coverage is great, they often have doctors or providers that won't accept your insurance, and there's just about no way to know this beforehand.
- MattGrommes 8y agoIf you read the article you'll find that the problem is that while the hospital may accept your insurance, a particular doctor won't. Also for some reason some doctors don't even know what insurance programs they'll bill.
- ncallaway 8y agoIs there any chance that facilities that don't "accept" my credit card would be able to: * Not inform me they don't accept my credit card * Provide the goods and/or render the services * Charge my 10 times the standard price for those goods and/or services because my card was not accepted? No sane person would agree that this would be an acceptable regime for credit cards. Yet it's the world we live in with health insurance. A "free market" is only effective with price transparency and discovery mechanisms. This is not possible in the current healthcare and insurance system as it exists today. --- Aside from that, you failed to even engage or address the following points from my earlier comment. > Further, even if the facility you visit does accept the insurance, that's no guarantee that all doctors within that facility accept that insurance. > Even further, there's no guarantee you'll be conscious to validate that you go to a facility that accepts your insurance. I think both of those points address and rebut your "check who accepts it" argument. Do you have any response to those?
- ams6110 8y agoProper insurance pays you for insured losses you incur. When my car is damaged in an accident, I take it wherever I want to have it repaired. I don't have to think about whether the shop is "in network" or not. My insurance pays for the cost of the repair, up to the limits of my coverage. Simple.
- liveoneggs 8y agoin real life your car insurance company will tell you where to take it
- spullara 8y agoI'm not sure if you have ever done this but there are a lot of caveats to that. Many car insurers will have you shop around for a good price, have you pick one of their preferred repair providers or may decide that damage you claim happened in the accident was preexisting. The job is called "claims adjuster" and I'd be surprised if no one from the insurance company visited you when you filed a claim.