Quote:
Originally Posted by grizy
Not for a majority of Americans with pretty secure middle class coverage.
We need universal coverage but we have to be cognizant of the fact Medicare is considered subpar insurance by most Americans. You can see this with only about 14% (according to Kaiser data) of Medicare beneficiaries (you can change denominators and it still would be a minorities) on the default Medicare with no supplemental coverage.
We also need to be cognizant of the fact that in any UHC system, rationing will be necessary and rationing necessarily involves some combination of (death?) panels and coverage choices. (read, the plan won't cover some life saving/prolonging treatments)
None of us have any idea if we have adequate catastrophic coverage until we really need it. The whole industry relies on this illusion and small % of extremely dissatisfied customers due to rare events.
What percentage of those Americans with "secure middle class coverage" are really covered if they come down with bone cancer or get in a severe car wreck requiring weeks in the ICU and years of ongoing therapy?
Note - don't tell me how many people get their coverage denied out of the whole user pool. Tell me what % of people who get severely injured or seriously ill get their coverage denied. The insurance industry will never release that one. But if it's anything less than 99.99% then the whole system is bull****. They're taking payments for a service they never intend to offer. It's fraud.
Have you ever seen one of these documentaries of some poor woman with no hair from chemo - wading through a foot-high, desk-covering pile of bills and talking about how she spends 8 hours a day on the phone just trying to wrangle and make sense of hospital bills? This is somehow a superior system?
Nowadays it's not even the insurance companies as the hospitals and
their bull**** trauma teams charing $18k for a nap, which insurance refuses to pay and amazingly is still on the patient to pay - even if they had perfectly adequate coverage.
I'd rather have death panels by a long shot than healthy people in the prime of life going bankrupt over technicalities, and even possibly dying due to the stress of realizing they aren't really covered like they thought they were, and are going to drag their entire family to the poorhouse if they survive.
Last edited by suzzer99; 04-02-2019 at 06:24 PM.