Timing, Part 2

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Kazzy

One man. Two boys. Twelve kids.

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27 Responses

  1. Avatar Kazzy
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    says:

    Oh. And apparently their website is now down for scheduled maintenance so that they can “better serve” me. Grand.Report

  2. Avatar LeeEsq
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    says:

    Medical insurance companies make money by being inconvenient to their customers. Its so they could avoid or at least delay payment. Thats why medical insurance should either be heavily regulated by the state or operated by the state. Healthcare is an area where socialist theory works.Report

    • Avatar LWA in reply to LeeEsq
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      says:

      One reason why this is so, is that health care is not a consumer item.
      No one really wants it, people do their best to avoid needing it, and even if offered it for free, would decline it unless they were in pain.Report

      • Avatar LeeEsq in reply to LWA
        Ignored
        says:

        The other reason is that it’s hard for an individual to approach healthcare with the same patience and research as buying furniture or other consumer goods.Report

        • Avatar Kazzy in reply to LeeEsq
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          says:

          Some of that is inherent to the product and some of that is not but is deliberately introduced by the companies to obfuscate the process.

          When buying a couch, there are usually only a few different criteria people are considering. Comfort, appearance, cost… maybe one or two others. Now, we might have different taste in what makes a couch nice to lay on or what looks good and we’ll surely all have different price points but… the range of expectations is small enough that enough people can provide a system of reasonable feedback.
          Health insurance is much difference. Cost is an issue, but health insurance/care is not a one time cost. This one might have lower premiums but higher co-pays. This one might offer better coverage for these sorts of treatments but less for those kinds. This one might cover everything really well but with only a small handful of providers thus necessitating out-of-network services at much higher costs. Etc.
          So, you can go to a store and sit on a couch and ask a couple of people how they like it and make a reasonable determination if it is the right couch for you, even if those people have different tastes and needs.
          Not so much with health insurance.

          Of course, this issue would be mitigated if you could do side-by-side, apples-to-apples comparisons of the different coverages and different costs and all that. But that would empower the customer too much. So every plan is outlined in a 50 page booklet in which there are a zillion rules each of which has 1000 exceptions. Hell, I’ve looked at two plans offered by the same company via the same employer in a side-by-side comparison sheet prepared by the company and *STILL* couldn’t figure out which one I wanted. And not in a, “Do I prioritize cost over convenience or vise-versa?” way… in a, “I’m still not sure which one costs more per year based on how I typically visit doctors!” way.Report

          • Avatar LeeEsq in reply to Kazzy
            Ignored
            says:

            Kazzy, I meant that purchasing healthcare isn’t like buying a furniture in the sense that when people need healthcare, its often an emergency and not something they could take their time with because they want to start cancer treatment ASAP or the bone needs to be fixed right now, that most people lack the knowledge to know what the best treatment for their illness is or the resources to research this in the same way you research computers, and that very few people are in a place to enter into any sort of negotiation with their providers on price.Report

      • Avatar Reformed Republican in reply to LWA
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        says:

        On top of that, most people get their health insurance through an employer. The insurance company offers a network of preferred providers. The insurance company pays the bills. The normal ability and incentives people have to shop for price, value, and convenience are not there.Report

  3. Avatar greginak
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    says:

    Insert obligatory comment how it is unpossible for wonderful private businesses not to have found the best way to serve you, their treasured customer.

    Just because it feels like dealing with health insurance companies is harder then getting decent service from a forkin cable company is purely our own inability to clearly see. You are getting the best service possible, now shut up and bask in the glow of best HC system in the world.Report

  4. Avatar Mike Schilling
    Ignored
    says:

    You know, when the government takes over healthcare, it’ll be just as bad as the DMV.Report

  5. Avatar Jaybird
    Ignored
    says:

    What we need to do is pass a law making it so that people only get sick on a proper timetable.Report

  6. Avatar BlaiseP
    Ignored
    says:

    Oh Kazzy. Think you’ve got it bad as a patient? You don’t have a clue how bad the health insurance firms treat the physicians and hospitals. It’s far worse.Report

  7. Avatar Stillwater
    Ignored
    says:

    Oh man could I (via my wife!) tell you stories about trying to contact insurance companies, trying to get them to OK a procedure, trying to get them determine if the procedure is covered or if it’s necessary, trying to get them to pay…Report

  8. Avatar Jim Heffman
    Ignored
    says:

    Well, Kazzy, that’s just your fault for not having a stay-at-home wife and a first-shift union job, the way all Americans did back when the concept of “business hours” was invented.Report

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