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Zangmonkey
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Originally Posted by Tom Kazansky View Post
You'd rather rely on the honesty of insurance companies, given their record of screwing policy holders? Obviously, as we see in this and other examples, that system isn't working.

No, I'd rather our government use the power to which they are already entrusted to squelch fraud.
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Old 04-27-2010, 01:11 PM Zangmonkey is offline  
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Tom Kazansky
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Originally Posted by Zangmonkey View Post
No, I'd rather our government use the power to which they are already entrusted to squelch fraud.

The problem is the insurance company is "justifying" their selections for termination, just like State Farm tried to do after Katrina.
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Old 04-27-2010, 02:40 PM Tom Kazansky is offline  
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SemperFly
 
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A big portion of the recent health care reform bill dealt directly with insurance reform of the kind I'm referring to. I can trust the government to create a law of that kind because it was part of this bill.

What is it about this bill that makes you trust the government more?
Old 04-27-2010, 03:32 PM SemperFly is offline  
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Zangmonkey
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The problem is the insurance company is "justifying" their selections for termination, just like State Farm tried to do after Katrina.

That's what trials are for.
You think the insurance company would win at trial for dropping a poor women diagnosed with breast cancer?

The hospital doing the work has a potential bad-faith claim.
The patients cannot be denied treatment for inability to pay.
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Old 04-27-2010, 04:32 PM Zangmonkey is offline  
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Tom Kazansky
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Originally Posted by SemperFly View Post
What is it about this bill that makes you trust the government more?

I don't trust the government. I trust insurance companies even less.
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Old 04-27-2010, 05:36 PM Tom Kazansky is offline  
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Tom Kazansky
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Originally Posted by Zangmonkey View Post
That's what trials are for.
You think the insurance company would win at trial for dropping a poor women diagnosed with breast cancer?

The hospital doing the work has a potential bad-faith claim.
The patients cannot be denied treatment for inability to pay.

Absolutely I do. With the kind of funds/lawyers they have at their disposal to fight a claim, which would be worth fighting given the cost of cancer treatment, and given how the US justice system works, I can totally see the insurance companies prove, in a court of law, that she was dropped for some other reason.
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Old 04-27-2010, 05:37 PM Tom Kazansky is offline  
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TheMorlock
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A big portion of the recent health care reform bill dealt directly with insurance reform of the kind I'm referring to. I can trust the government to create a law of that kind because it was part of this bill. My question is, why did such a significant portion of the government and American population resist that, given what we already know about the behaviour of insurance companies when it comes time for policy holders to collect?

because when all is said and done, it is possible to fight the insurance companies. Not so easy to fight the government after expanding it's power over and over and over
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Old 04-28-2010, 12:47 AM TheMorlock is offline  
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Coqui
 
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That's what trials are for.
You think the insurance company would win at trial for dropping a poor women diagnosed with breast cancer?

They would just settle and up the rates for everyone.
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Old 04-28-2010, 06:16 AM Coqui is offline  
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SemperFly
 
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I don't trust the government. I trust insurance companies even less.

fair enough
Old 04-28-2010, 06:33 AM SemperFly is offline  
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Tom Kazansky
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because when all is said and done, it is possible to fight the insurance companies. Not so easy to fight the government after expanding it's power over and over and over

That's a horrible justification. You wont have to fight the insurance companies if it's against the law for them to drop you from coverage to begin with. I don't see how that's anti-consumer in the slightest.
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Old 04-28-2010, 12:46 PM Tom Kazansky is offline  
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Xayd
 
you'll have to take it easy on him, he's still trying to think of who'd fix the traffic lights in his 19th century dreamland.
Old 04-28-2010, 07:02 PM Xayd is offline  
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TheMorlock
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That's a horrible justification. You wont have to fight the insurance companies if it's against the law for them to drop you from coverage to begin with. I don't see how that's anti-consumer in the slightest.

I think it's already illegal. It's called Fraud. Mentioned earlier in the thread.

Horrible justification? Make the government enforce existing law instead of extending it's powers even further beyond it's charter?
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Old 05-02-2010, 06:05 PM TheMorlock is offline  
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Electrikfuzz050
 
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That's a horrible justification. You wont have to fight the insurance companies if it's against the law for them to drop you from coverage to begin with. I don't see how that's anti-consumer in the slightest.

So if someone starts shooting heroin and becomes afflicted with endocarditis, the insurance company shouldn't be able to drop them?
Old 05-02-2010, 07:44 PM Electrikfuzz050 is offline  
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TheMorlock
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So if someone starts shooting heroin and becomes afflicted with endocarditis, the insurance company shouldn't be able to drop them?

So if someone goes rock climbing and shatters 8 vertebrae in his back because he missed a grab the insurance company shouldn't be able to drop them?
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Old 05-02-2010, 07:48 PM TheMorlock is offline  
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Tom Kazansky
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I think it's already illegal. It's called Fraud. Mentioned earlier in the thread.

Horrible justification? Make the government enforce existing law instead of extending it's powers even further beyond it's charter?

It's only fraud if a lawyer can prove it is. Insurance companies put in so many backdoors they'll find a way to themselves out of anything. Katrina is the perfect example of that, although State Farm did end up losing the lawsuit. Wellpoint is only continuing the tradition.
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Old 05-02-2010, 09:39 PM Tom Kazansky is offline  
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