Democrats want to allow you to sue your health insurance company

It seems to me kind of insane that it wouldn't be possible to sue them...the problem is these mandatory arbitration clauses are the de facto approach by so many businesses now that if you don't agree to it you're sol even finding a service.

This country's health care system is still a piece of shit. It's got a lot of capable health care providers (doctors, nurses, etc.) but the entire insurance thing is an absolute scammy bucket of horse jizz. Anybody who has had to deal with a family member requiring a lot of care knows what I'm talking about: endless bills, copays. As I've often said I do not understand how the average family tolerates it.

I've been maxing my HSA for a few years and I'm still in the hole. It's easy to get there. I pay insane premiums and I'm still out loads and loads of money.

Blimey said:

It seems to me kind of insane that it wouldn't be possible to sue them...the problem is these mandatory arbitration clauses are the de facto approach by so many businesses now that if you don't agree to it you're sol even finding a service.

This country's health care system is still a piece of shit. It's got a lot of capable health care providers (doctors, nurses, etc.) but the entire insurance thing is an absolute scammy bucket of horse jizz. Anybody who has had to deal with a family member requiring a lot of care knows what I'm talking about: endless bills, copays. As I've often said I do not understand how the average family tolerates it.

I've been maxing my HSA for a few years and I'm still in the hole. It's easy to get there. I pay insane premiums and I'm still out loads and loads of money.

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It's really time we did a deep dive into what drives the costs, and what barriers there are to helping competition occur among providers / get more providers in the game to avoid ever increasing prices.

I suspect no one really wants to do that, though, due to probably special interests / money involved.

I'm not opposed to any solution, so long as whatever solution proposed:

• Is run in the black, and not like a bloated gov agency that is constantly working off borrowed money / an unlimited budget.
• We allow private options to continue.

Saltwater60 said:

I’ll agree that all costs should be told to you up front and if the provider is in your network. I get there can be unforeseen costs in certain circumstances and surgeries.
I guess my point is I just don’t trust their intentions.

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The whole in vs out of network things are another pain in my ass as well!

Changes to this happen so slowly because of lobbying. If nothing else at least Obama got the preexisting conditions thing kicked in the ass.

We actually had to terminate a service lately that we were doing. It was too expensive because if in vs out of network crap. They offer financial assistance but our income is too high for that, yet not so high that I did not baulk at what they wanted me to pay. So, just terminated service.

Health insurance seems to me way inferior to how it was 15-20 years ago. I have much worse coverage and it costs me a lot more.

Blimey said:

The whole in vs out of network things are another pain in my ass as well!

Changes to this happen so slowly because of lobbying. If nothing else at least Obama got the preexisting conditions thing kicked in the ass.

We actually had to terminate a service lately that we were doing. It was too expensive because if in vs out of network crap. They offer financial assistance but our income is too high for that, yet not so high that I did not baulk at what they wanted me to pay. So, just terminated service.

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Same. Story of my life. Just enough money to pay a bunch of money. Middle class is constantly fucked. I don't even know why I bother to give a fuck and save if the gov is just handing out free money.

Easy fix, get gov out and let free market take over. That simple.

libertysnake said:

It's really time we did a deep dive into what drives the costs, and what barriers there are to helping competition occur among providers / get more providers in the game to avoid ever increasing prices.

I suspect no one really wants to do that, though, due to probably special interests / money involved.

I'm not opposed to any solution, so long as whatever solution proposed:

• Is run in the black, and not like a bloated gov agency that is constantly working off borrowed money / an unlimited budget.
• We allow private options to continue.

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While the "sick care" problem isn't due to one thing, I suggest that a 15 second perusal of the graph below may give us a few clues...and then modify Shakespeare's quote about lawyers...

prambo said:

While the "sick care" problem isn't due to one thing, I suggest that a 15 second perusal of the graph below may give us a few clues...and then modify Shakespeare's quote about lawyers...

View attachment 119248

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Is that lawyers specifically, though? Or is it administrators / business-people in general?

Automation can help knock out a lot of that bloat in administration, I'm sure.

libertysnake said:

Is that lawyers specifically, though? Or is it administrators / business-people in general?

Automation can help knock out a lot of that bloat in administration, I'm sure.

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Was referring to Shakepeare's line from his play Henry the VI.

"Hospital administrators" as an occupation or "type" are loathed by practitioners.

Administrative costs could be lowered by automation - however, just try and remove these clowns. Since their numbers have increased dramatically up until the last year on the graph, coincidentally with incredible advances in computer power, I doubt you'd be able to get rid of them.

Especially when there are degree programs for this job at major universities - get an MHA, be a narcissistic asshole, and Viola!!...you're making bank on the back of the patients and the physicians - with no discernible improvement in medical treatment.

Think bureaucrats and the COVID debacle - most of the bullshit was "administered" by some moron with no scientific or medical background.

25 Best Master’s in Healthcare Administration for 2020

Yet we cant sue manufacturers of the covid vaccine???

Blimey said:

It seems to me kind of insane that it wouldn't be possible to sue them...the problem is these mandatory arbitration clauses are the de facto approach by so many businesses now that if you don't agree to it you're sol even finding a service.

This country's health care system is still a piece of shit. It's got a lot of capable health care providers (doctors, nurses, etc.) but the entire insurance thing is an absolute scammy bucket of horse jizz. Anybody who has had to deal with a family member requiring a lot of care knows what I'm talking about: endless bills, copays. As I've often said I do not understand how the average family tolerates it.

I've been maxing my HSA for a few years and I'm still in the hole. It's easy to get there. I pay insane premiums and I'm still out loads and loads of money.

Click to expand...

The health care system isn’t crap. The gov and insurance (mainly caused by gov rules) is crap.

libertysnake said:

It's really time we did a deep dive into what drives the costs, and what barriers there are to helping competition occur among providers / get more providers in the game to avoid ever increasing prices.

I suspect no one really wants to do that, though, due to probably special interests / money involved.

I'm not opposed to any solution, so long as whatever solution proposed:

• Is run in the black, and not like a bloated gov agency that is constantly working off borrowed money / an unlimited budget.
• We allow private options to continue.

Click to expand...

It's easy to see what drives the costs.

It's the same thing that drives the costs of education.

For a large portion of the population, the people reaping the benefit of the service are not the ones paying. And even when they are, their cost is hidden behind so many layers of bureaucracy they have no idea what it will be until it's too late.


If you actually had to pay for that $10 aspirin and knew the charge when you swallowed it, people wouldn't put up with it.

My friend and his wife were in a minor car accident several years ago. She had neck pain and took an ambulance to the hospital. My buddy rode with them, was given a bandage for a small cut, and ended up getting a ~$350 bill for it(separate from the wife's bill).

so with this can u sue them when they wont pay for what the doc wants done .. sue them for practicing medicine with out a license when they deny your prescription from the doc .

I avoid the docs at all cost , shit is so expensive. I had three stitches put in my hand and a x ray, was over $600 after the insurance deductions and another $125 for the removal (kicking myself in the ass for that shit, only did it because I had stitches in my leg once that wasn't healed and it popped open when the doctor removed the stitches).

Had a ear Infection and the walk in visit was over $200. When I went to get my ear drops the pharmacist called me up and told me the medicine is going to cost $250 with my insurance. She said she could find a generic or I could pay out of pocket and not use my insurance. Same fucking medicine was $50 without my insurance, a $200 upcharge for my insurance.

Dread the day I need surgery, dying to see what that bill will be. Really miss my dad's county insurance now lol

Hell, my brother had a cat scan a few months back and he owes like $2300 for it.

Of course the obvious... again as with everything who’s going to pay the price for this... one guess everyone