Skip to main content

View Diary: Karen Tumulty's True Health Care Story (33 comments)

Comment Preferences

  •  The six-month polices should be illegal (4+ / 0-)

    IMHO they are fraudulent. No one buying them understands that they are useless for any serious accident or illness.

    I don't know if you've ever tried to buy health insurance, but it makes choosing a cell phone look straightforward. I am someone who understands quite a bit about medicine and contracts, and I have been purchasing insurance for many years, but even so every time we get a new policy, I am surprised by what it doesn't cover.

    Fry, don't be a hero! It's not covered by our health plan!

    by elfling on Thu Mar 05, 2009 at 12:02:19 PM PST

    [ Parent ]

    •  NJ makes insurance companies... (2+ / 0-)
      Recommended by:
      ladybug53, Pris from LA

      summarize their policies in easy to understand (relatively) format for comparison of fees, co-pays, deductibles and conditions of the while there may be 30 pages of small print the summary must be in a pre-approved NJ format on-line for viewing...

      When I worked for a large multi-national company, I had more trouble choosing the right policy for me than I did in NJ where I am self-employed...

      Obama - Real Leadership for a Real Change

      by dvogel001 on Thu Mar 05, 2009 at 12:08:45 PM PST

      [ Parent ]

      •  You mean... (2+ / 0-)
        Recommended by:
        samddobermann, ladybug53

        ...that the government forced corporations to disclose information to consumers in a way that didn't necessarily benefit the companies, and therefore allowed for real competition to exist?

        Wow, what a concept.

      •  That would probably help (0+ / 0-)

        But even so, there's so much you have to know.

        For example, most people looking at policies probably think that there's no practical difference between a $1million and $5million cap. $1m is a lot of money, right?

        Most people looking at a hospital-only plan would think that it would cover them for any expensive emergency, that if they were sick enough to need expensive care that they would be going to a hospital. They don't know that you can go through $100k in drugs a year as an outpatient.

        What they really need are: "Here are scenarios and what you might pay under this plan" that might show the largest possible bills that you could accumulate that would be uncovered.

        Fry, don't be a hero! It's not covered by our health plan!

        by elfling on Thu Mar 05, 2009 at 05:01:06 PM PST

        [ Parent ]

    •  In Tumulty's story, (2+ / 0-)
      Recommended by:
      ladybug53, Pris from LA

      she was told by an expert who looked into her brother's situation that he should cancel his most recent six-month policy immediately, because it was a waste of his money, which he was going to need.
         Her brother bought six-month policies serially, because he was always hoping to land a job which would offer him "real" health insurance.
         What a cruel fraud on him.

      I could have been a soldier... I had got part of it learned; I knew more about retreating than the man that invented retreating. --Mark Twain

      by NogodsnomastersMary on Thu Mar 05, 2009 at 12:14:04 PM PST

      [ Parent ]

    •  I agree (4+ / 0-)

      They're the health insurance equivalent of 400 percent Adjustable Rate Mortgage loans.

      Too bad those are legal, too.

Subscribe or Donate to support Daily Kos.

Click here for the mobile view of the site