The reality of individual health insurance

http://www.latimes.com/business/la-f...6.story?page=1

This is apalling. Especially in light of McCain's railing against Obama's plan for mandated health insurance. What's to stop private insurance companies from rejecting your application for such ludicrous reasons such as having a bloody nose once in your life for crying out loud?

There is some hyprocrisy in the article on Blue Shield's part, however. The chief exec is a proponent for universal health care and their spokesman point out the problem with the current system...yet the company itself rejected baby Ava's coverage?

I understand that its all based on trying to stay in competition with the other companies ("Even nonprofits such as Blue Shield of California are obliged to follow prevailing market practices, lest they be swamped with the highest-cost customers.") But it just feels plain wrong.
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Last edited by helloitsio; 10-22-2008 at 10:13 AM. Reason: formatting
I think it's going to take a whole lot more than Obama's plan to bring cost down. While I agree the ins companies are greedy, we also have to consider the outrageous cost of doctors, hospitals and medicine.

When I had surgery, I received an itemized summary of all the charges. The last 3 days I was there, my pain reliever was Tylenol with codeine. The hospital charged my ins company 100 day for my medication. 100 bucks for 4 pills per day? That's 25 bucks a pop! That's crazy.
Location: Chicago

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"If you don't stand for something you will fall for anything."
Malcolm X
I think it's going to take a whole lot more than Obama's plan to bring cost down. While I agree the ins companies are greedy, we also have to consider the outrageous cost of doctors, hospitals and medicine.

When I had surgery, I received an itemized summary of all the charges. The last 3 days I was there, my pain reliever was Tylenol with codeine. The hospital charged my ins company 100 day for my medication. 100 bucks for 4 pills per day? That's 25 bucks a pop! That's crazy.
Originally Posted by YolyC
Hospitals and pharm companies are all businesses too, just as much as insurance companies. That's another facet to the problem-- people at the upper levels of these hospitals and pharmaceutical companies are after the almighty buck just as much if not more than they're after improving patient care.
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Fun Fact: When you actively avoid being “PC,” you’re not being forward-thinking or unique. You’re buying into systems of oppression that have existed since before you were even born, and you’re keeping those systems in place."
Stolen.
Exactly. So how would we get their cost down? I thought I read somewhere that all R&D cost for drugs were incurred by us here in the US. If that's the case, why can't these drug companies spread the cost to other nations. I know there are lots of very poor nations but damn if a prescription in Asia is going to cost 1 buck while we're paying 100 something is really wrong.
Location: Chicago

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"If you don't stand for something you will fall for anything."
Malcolm X
It's only one aspect of the problem but...

I worked with a woman who was 2 months out of college with a marketing degree. She hated her entry level marketing job, quit to go work as a Pharm sales rep. Her starting pay with zero sales or pharm experience? $85,000.00 + bonuses! Multiply that by all the other salaries and that adds up to part of the issue.
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The last 3 days I was there, my pain reliever was Tylenol with codeine. The hospital charged my ins company 100 day for my medication. 100 bucks for 4 pills per day? That's 25 bucks a pop! That's crazy.
Originally Posted by YolyC
please tell me that was a misprint!

i can buy a bottle of 100 of those OTC for about $12 Cdn!
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It's not a misprint. Government really needs to regulate costs but be reasonable about it. I know pharmacies and hospitals are trying to make money...and that's fine...but it's ridiculous how much they increase the prices. It really is. I know money goes into research and to pay for new technology. I know it's going to be much much more than how much it costs to produce it...using MRI's are going to cost much more than the actual expense of using it...and I'm willing to let them have a profit and to make money for research, etc. But I think they go way beyond what is reasonable...and who suffers? The uninsured person does. The tax payer does. It's always the little guy.
I hope something gets done about that, as well.
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The last 3 days I was there, my pain reliever was Tylenol with codeine. The hospital charged my ins company 100 day for my medication. 100 bucks for 4 pills per day? That's 25 bucks a pop! That's crazy.
Originally Posted by YolyC
please tell me that was a misprint!

i can buy a bottle of 100 of those OTC for about $12 Cdn!
Originally Posted by rouquinne
No, not a misprint or exaggeration. This was in 2003, so I could only imagine how much it is now. I don't know if I still have a copy of it. If I do, I'll scan it. 10 days/2 surgeries later, my ins paid 209K. They balked at paying for the 2nd one because supposedly I hadn't gotten referrals, but after appealing they finally paid.
Location: Chicago

~~~~~~~~~~~~~~~~~~~~~~~~~~~

"If you don't stand for something you will fall for anything."
Malcolm X
hmmm... i wonder if i could get a breakdown from the hospital of the cost of my surgery last year. it was day surgery, though, so would be considerably less.

boomy, hospitals in Canada are not supposed to be profit machines. looking at health care as a money-making enterprise is just plain wrong to me - and my countrymen/women and the other G8 countries, too!
My blog:

http://labellatestarossa.blogspot.ca/

Little Mother of all the Roaches, President-for-Life of the MAC Harlots!

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