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

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  •  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 policy...so 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.

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