1304
we're a nation of middlemen (lemmy.ml)
submitted 9 months ago by to c/microblogmemes@lemmy.world
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[+] -37 points 9 months ago* (last edited 9 months ago) (17 children)

The first step for you would be to understand what an insurance is about πŸ˜ƒ

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  • [–] 47 points 9 months ago (4 children)

    Have you noticed a weird pattern where in your country, with insurance, the prices for non-insured individuals are through the roof? Even simple medications or procedures are so expensive you're almost guaranteed to suffer financially from any medical procedure. Ever noticed that?

    The issue with a snarky "learn what insurance is about" is that insurance companies, especially in the US, especially within healthcare, figured out a loop by which they can increase the prices so absurdly high that you need insurance and even with insurance, you're likely going to suffer. So yes, your simplistic logic of "you pay insurance an affordable amount per month now, so that if you need something expensive later they cover you" is fundamentally destroyed by the reality where insurance companies can determine the final price, and therefore, it shifts from actual insurance into mafia.

    But maybe nuance is not the strong suit of the average US citizen, so I guess a one liner snarky reply is all your working memory can afford to think through.

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  • [–] 21 points 9 months ago* (1 child)

    Also, their argument could be destroyed be simply looking at other countries, like most european ones, where healtcare is paid by taxes so everyone get low-cost healthcare and if they really want private healtcare they can still pay a company

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  • [–] 1 point 9 months ago*

    Actually, if you ask about the non-insurance price, it is often significantly reduced. Places massively overbill, so that the insurance can claim they got you a discount. The real price is often even lower.

    But yes, it's a scam to make you believe you "need" insurance. Most probably only need like catastrophic insurance.

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  • [–] 8 points 9 months ago (3 children)

    An insurance organization operated for the benefit of the insured gives value. An insurance organization run for the benefit of investors gives the barest minimum (or less) to the insured and takes lives in the name of profits.

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  • [–] 6 points 9 months ago (2 children)

    It would make sense if health insurance just covered hospitalizations, catastrophic diseases, etc. But it's required for any healthcare to be affordable and healthcare is a necessity.

    Its like a subscription model, but worse because you don't actually know what will be included (covered) or denied.

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  • [–] 5 points 9 months ago (1 child)

    Imagine if 90% of the time, Spotify would only play an album if you asked to play it twice, unless it was an album in the billboard top ten, and sometimes it would decide to not play an album at all, and it had made deals with every record company that made physical media versions of albums cost $5,000. That’s what health insurance is like.

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  • [–] 5 points 9 months ago

    Insurance is a company that takes small amounts of money monthly in the event of a large expense that you are unable to pay for. Then they don't give you all the money to cover the expense. -At least not without a fight. They take ~7% of your money for this service.

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