Enoch
Well-Known Member
I think him going to war with Iran would tank his reelection, I think the public is tired of war and don't actually see a need for one, it will remind people we are still at war in Afghanistan, the longest in US history.
Political Discussion
- Thread starter David A.
- Start date
ayayrawn
Well-Known Member
Almost exactly 7 years ago to the day.
Insurance should not be private / for profit.
Just heard a story on the news this morning that absolutely angers me that this is allowed.
There was an incident in Melrose this week where the main sewer line had a blockage on a street and raw sewage exploded out of toilets flooding peoples first floors in 6 homes. The homes are considered uninhabitable now and the residence are not being allowed back in due to health concerns. The homes have to be completely gutted on the first floor. Walls removed, floors removed, all furniture tossed. But guess who's paying for it?
Yup, not the insurance companies. Because apparently raw sewage coming up out of your drains is not covered.
Sewer backup coverage is it's own thing, and you have to pay more for it. Most people don't know they are not covered for this and realize this is something they might need.
What is insurance even for if they try to limit their liability to anything that would cost them money.
I bet piece mealing all kinds of specific policies like this one together to make sure you are covered for everything is more expensive than most people could afford as well.
Just heard a story on the news this morning that absolutely angers me that this is allowed.
There was an incident in Melrose this week where the main sewer line had a blockage on a street and raw sewage exploded out of toilets flooding peoples first floors in 6 homes. The homes are considered uninhabitable now and the residence are not being allowed back in due to health concerns. The homes have to be completely gutted on the first floor. Walls removed, floors removed, all furniture tossed. But guess who's paying for it?
Yup, not the insurance companies. Because apparently raw sewage coming up out of your drains is not covered.
Sewer backup coverage is it's own thing, and you have to pay more for it. Most people don't know they are not covered for this and realize this is something they might need.
What is insurance even for if they try to limit their liability to anything that would cost them money.
I bet piece mealing all kinds of specific policies like this one together to make sure you are covered for everything is more expensive than most people could afford as well.
Enoch
Well-Known Member
Just as dumb as the "Act of God" things that aren't covered
SnowmaNick
Well-Known Member
My auto policies state they are not liable if the vehicles are damaged due to nuclear war or acts of terror. It’s nice to know that if the shit gets really bad, they have an exemption for that.
In most cases they don't cover tree's falling on your car or hail damage. I made sure to specifically add those to my policy.
I'm still not covered though if a air plane crashes on my car though. Like, why not?
AnthonyI
Well-Known Member
Here's an insurance story for you. My family had been with State Farm for DECADES, parents, grand parents, siblings, etc... About 10 years after we moved into our current house there were some really bad hail storms that caused a lot of damage to the roofs in our area. I hopped out one of our windows that access to the roof and poked around, all seemed well so we let it go. A week later a State Farm appraiser rings are doorbell and insists on looking at the roof because "your neighbors have had claims go in with a lot of damage, you may not be looking for the right signs"...ok, have at it. They say there is damage, send it in and the claim gets denied. Ok, I didn't think there was any real damage after all. A few days go by and the appraiser who came out calls to ask if they had gotten back to us about the claim, I explain, she says that's really strange... "I'll submit it again, they may have overlooked it since there are so many claims coming in". Ok, you're the representative.
About a week later we get a letter from State Farm stating that our policy/s have been dropped and we have 30 days to find alternate insurance coverage. I mean DROPPED, home, auto, and the riders we had added. I'm like WTF!
We'll leave out the 45 minute argument that took place at my agents office and cut to the chase. In a nut shell I was told that due to excessive claims over a 10 year period (3), our account was flagged by the system and would be terminated. We had made an auto claim for an accident we were'n't the cause of during this time as well.....let me type this again. 3 CLAIMS IN A 10 YEAR PERIOD IS EXCESSIVE.
No matter what I said, the agent just poker faced me and continued to tell me there was nothing he could do because the system flagged us for too many claims, it was all about the system, our years of loyalty meant nothing, the fact that THEIR agents solicited us about the roof and submitted the claim twice made no difference to "THE SYSTEM". Also keep in mind that this was for submitted claims, not even claims they had to pay out on.
I will NEVER, EVER, recommend State Farm to anyone. We went with Farmers and as part of their "new customer" process they appraise and check your home, the appraiser asked us about the roof because he saw hail damage and new about the storms, we explained what happened. Farmers replaced the roof, covered it 100% and it wasn't a strike against our policy. The agent literally LOLed when we told him what had happened with State Farm.
This also took place when State Farm was paying out claims left and right due to, I can't remember which hurricane.................you can draw your own conclusions as to why "the system" was flagging people.
About a week later we get a letter from State Farm stating that our policy/s have been dropped and we have 30 days to find alternate insurance coverage. I mean DROPPED, home, auto, and the riders we had added. I'm like WTF!
We'll leave out the 45 minute argument that took place at my agents office and cut to the chase. In a nut shell I was told that due to excessive claims over a 10 year period (3), our account was flagged by the system and would be terminated. We had made an auto claim for an accident we were'n't the cause of during this time as well.....let me type this again. 3 CLAIMS IN A 10 YEAR PERIOD IS EXCESSIVE.
No matter what I said, the agent just poker faced me and continued to tell me there was nothing he could do because the system flagged us for too many claims, it was all about the system, our years of loyalty meant nothing, the fact that THEIR agents solicited us about the roof and submitted the claim twice made no difference to "THE SYSTEM". Also keep in mind that this was for submitted claims, not even claims they had to pay out on.
I will NEVER, EVER, recommend State Farm to anyone. We went with Farmers and as part of their "new customer" process they appraise and check your home, the appraiser asked us about the roof because he saw hail damage and new about the storms, we explained what happened. Farmers replaced the roof, covered it 100% and it wasn't a strike against our policy. The agent literally LOLed when we told him what had happened with State Farm.
This also took place when State Farm was paying out claims left and right due to, I can't remember which hurricane.................you can draw your own conclusions as to why "the system" was flagging people.
Yeah, insurance sucks. They don't want you to use it.
Something similar happened to my parents back in 2004 / 2005.
In 2004 their home was broken into. Door splintered, tools and electronics stolen. My parents put in a claim.
In 2005 the hot water heater sprung a leak and flooded the finished basement. They put in a claim to replace the carpet. Only real damage.
Guess what? 2 claims and they got dropped. Not only did they get dropped, but in Massachusetts information is shared between insurance companies and its heavily regulated. My parents were listed as "high risk" and only could get a new "high risk" policy for the next 5 years. The system / regulations would not allow them to get standard policy from any insurance company. Their insurance rates were now nearly 3X the amount they were before and high for the next 5 years until they were eligible for a standard insurance policy again.
The worst part about it was, the hire rates they paid cost them several times more over 5 years than it would have cost to not make a claim and just pay to replace things on their own. Their claims weren't anything much more than around $1000 each.
My father says insurance is a scam.
Edit: It's also important to note at the time that with regulated insurance at the time in MA, there was no competition. The state set the rates. So no mater what company you went for for Home or Auto Insurance, you would pay the same rate. Things have thankfully loosed up in recent years.
Something similar happened to my parents back in 2004 / 2005.
In 2004 their home was broken into. Door splintered, tools and electronics stolen. My parents put in a claim.
In 2005 the hot water heater sprung a leak and flooded the finished basement. They put in a claim to replace the carpet. Only real damage.
Guess what? 2 claims and they got dropped. Not only did they get dropped, but in Massachusetts information is shared between insurance companies and its heavily regulated. My parents were listed as "high risk" and only could get a new "high risk" policy for the next 5 years. The system / regulations would not allow them to get standard policy from any insurance company. Their insurance rates were now nearly 3X the amount they were before and high for the next 5 years until they were eligible for a standard insurance policy again.
The worst part about it was, the hire rates they paid cost them several times more over 5 years than it would have cost to not make a claim and just pay to replace things on their own. Their claims weren't anything much more than around $1000 each.
My father says insurance is a scam.
Edit: It's also important to note at the time that with regulated insurance at the time in MA, there was no competition. The state set the rates. So no mater what company you went for for Home or Auto Insurance, you would pay the same rate. Things have thankfully loosed up in recent years.
Last edited:
TenderLovingKiller®
Well-Known Member
I may work for a large insurance company. I am not going defend any specific instance because each is different and the details matter but I will say the industry is super regulated and litigated every time someone gets “shafted” I feel for them but if the industry paid every claim that went out insurance would not be affordable. If I remember correctly the average person files 1 claim every 26 years and the majority of people with insurance never file a claim. People obviously remember the times their claims were denied and again I know that sucks but I can tell you insurance pays way more than they deny overall. Also, if they were to tomorrow make insurance disappear the number if lawsuits and financial ruin people would face would be staggering. The insurance industry is far from perfect but it’s not a scam either.
Last edited:
Just saw a political ad on tv that was against Medicare for all.
The ad spewed the same lies and scare tactics.
It basically tried to spread doom and gloom for Medicare for all. They made it sound like people would loose their coverage and have drastically longer wait times for treatment which could result in higher death rates.
Big whoop if people loose their private insurance. They all would have insurance still.
The 1 plan for all sounds like the rich not wanting to pay for things they don't need to fund the system for others.
Longer wait times for treatment have been disproven. Doesn't that info come from just one countries healthcare system? And in our current system do we not have the biggest hassle of referrals and trying to find someone in network that waste more time than say the Canadian system?
The ad spewed the same lies and scare tactics.
- Over 180 Million Americans would lose their private insurance.
- 1 Plan for all no matter how serious you needs are.
- Much longer wait times for medical procedures
It basically tried to spread doom and gloom for Medicare for all. They made it sound like people would loose their coverage and have drastically longer wait times for treatment which could result in higher death rates.
Big whoop if people loose their private insurance. They all would have insurance still.
The 1 plan for all sounds like the rich not wanting to pay for things they don't need to fund the system for others.
Longer wait times for treatment have been disproven. Doesn't that info come from just one countries healthcare system? And in our current system do we not have the biggest hassle of referrals and trying to find someone in network that waste more time than say the Canadian system?
Enoch
Well-Known Member
while probably 100% true, we only remember the horror stories
Enoch
Well-Known Member
I am trying to see a sleep specialist for a long time and unknown sleep issue, I have a six-month wait and that is just for the consult, I will most likely be set up for a sleep study and who knows how long I will have to wait for that.
Yup, wait times are already longer in the United States than most socialist countries. They are not going to get longer with medicare for all.
Hell, currently a lot of time is spent on insurance overhead instead of treating patients. Eliminating that would meed shorter wait times alone.
Enoch
Well-Known Member
yep, I have a doc that is an acquaintance on FB and he was complaining that he had to fill out paperwork to get a patient a walker. Said it was a big hassle, maybe it was but he also likes to complain about people getting medical things they don't need/wasting taxpayer money (his view on Medicare). I wanted to point that out to him but figured it wasn't worth it.
Renée
Well-Known Member
Who?
thehill.com
Former Pa. congressman Joe Sestak joins crowded presidential primary
Former Rep. Joe Sestak (D-Pa.) has entered the 2020 presidential race. “What Americans most want today is someone who is accountable to them, above self, above party, above any special i…
thehill.com
2 Nights of DNC Primary Debates this week. Have we have had to split this into to nights before due to the overwhelming number of candidates?
Enoch
Well-Known Member
I have only seen an undercard and the main candidates before but they have been on the same day
LOL, Mike Pence told a CNN Reporter that Climate Change is not a threat. And to look at the science.
I hate surprise medical bills that seem to be occurring more and more frequently.
I have been paying for my own medical insurance since being dropped of my fathers plan when I turned 23 over a decade ago. The first 5 years I never got a surprise bill, had no deductible and everything was covered at a much lower price than what I pay today.
The last 4 years I have been getting surprise bills after every physical. Preventative labs along with my physical I have been getting all my adult life. Guess what, 4 years ago I got a bill for over $750 because most of it was applied towards my deductible. The insurance company said while all doctors considered the test you got as retune and preventative, they are not listed as preventative by the ACHA, there for they go towards you deductible. It took me a couple years to learn to ask the doctor to only run labs that are listed as preventative by the ACHA. Just saying Preventative got their standard panel and I still got slammed with a large bill.
This year I got it right in what I asked. I only had a Cholesterol test ordered which is listed as preventative by the ACHA. I should be covered right!? Wrong!!!
Just got a bill for $291.39 for a Cholesterol test. This years insurance plan my company has provides no coverage for any labs until after the deductible has been met.
WTF
I have been paying for my own medical insurance since being dropped of my fathers plan when I turned 23 over a decade ago. The first 5 years I never got a surprise bill, had no deductible and everything was covered at a much lower price than what I pay today.
The last 4 years I have been getting surprise bills after every physical. Preventative labs along with my physical I have been getting all my adult life. Guess what, 4 years ago I got a bill for over $750 because most of it was applied towards my deductible. The insurance company said while all doctors considered the test you got as retune and preventative, they are not listed as preventative by the ACHA, there for they go towards you deductible. It took me a couple years to learn to ask the doctor to only run labs that are listed as preventative by the ACHA. Just saying Preventative got their standard panel and I still got slammed with a large bill.
This year I got it right in what I asked. I only had a Cholesterol test ordered which is listed as preventative by the ACHA. I should be covered right!? Wrong!!!
Just got a bill for $291.39 for a Cholesterol test. This years insurance plan my company has provides no coverage for any labs until after the deductible has been met.
WTF
Sonicpharmacist
Well-Known Member
I’m an inpatient hospital pharmacist. Today a doc ordered some ear drops for a patient with an ear infection. Nothing super fancy, just an antibiotic with a steroid. But when I went to enter it in the computer, the patient charge (before insurance) was $978. Almost a grand for a bottle of ear drops. Yes, hospital pharmacies have a markup, but it’s based on the AWP set by the manufacturer and the wholesaler. I sent a text message to the provider and got it switched to an ear drop antibiotic without steroid for $50.
The point is I’ve been a pharmacist for over 10 years, and I’ve never seen prices escalate so dramatically on readily available drugs. Vitamin K (which is typically used to reverse Coumadin) is over $300 for a single tablet. Little 15 mL cups of potassium chloride are close to $100 PER CUP. And I don’t see an end in sight.
Last edited: