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View Diary: Forget tax breaks, I need an insurance break. (34 comments)

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  •  My little personal experience, which I've (8+ / 0-)

    mentioned before, was the eye opener for me. A car hit me, biting off my right foot. As an employee of a national corporation I had health insurance for which both I and my employer paid. I went through many surgeries and related medical care, and I sued the drivers. I won the suit. A month after the settlement, I got a letter from that health insurance company stating I had to pay them back for the care they had covered. I called my attorney, who took care of it. He said as they were unable to make me "whole" again, I was not required to pay them back. If they had made me "whole" - say a crunched up foot working like a pivot but still attached - I would have had to pay them back! Once, we paid an insurance company to take a chance that we'd stay healthy and they'd keep those premiums paid monthly. Now, we give them money that if we need medical care, they lend that money to us.

    By the way, after I left my job and went on COBRA, the insurance company canceled me at the end of the 18 months, stating they did not offer individual policies in my state. I was too worn out to take it to court. Sorry.

    "The whole aim of practical politics is to keep the populace alarmed, and hence clamorous to be led to safety, by menacing it with an endless series of hobgoblins, all of them imaginary." H.L. Mencken, 1925

    by cv lurking gf on Thu Feb 16, 2012 at 07:19:12 PM PST

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