chris_gerrib (![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png)
chris_gerrib) wrote2009-08-03 12:02 pm
chris_gerrib) wrote2009-08-03 12:02 pm
Entry tags:
The Joys of Private Health Insurance
So, I read an article this morning about a woman, a free-lance journalist, who bought private health insurance. She specifically looked for a policy that covered maternity care, and, with difficulty, found one. After she had her baby, she found out that the policy had a maximum cap of $3,000 on maternity care! ETA A disclosure buried in one appendix of a multi-page booklet on maternity coverage. Frankly, in some states, that would be consumer fraud. end edit
As she asked, after being left with a $22,000 bill, "in what mythical US hospital can you have a baby for $3,000?" Then, six months later, after she called the insurance company's press office to announce she was writing an article about her experiences, they suddenly decided to cover 90% of the costs. Consider this reason number 6,539 why we need health insurance reform in America. Go read the whole thing.
ETA One of the many things included in this reform package are "health care exchanges." These exchanges force a standardized disclosure of benefits (AKA, "no more hiding shit in fine print"). Consumer disclosures matter. (If you tell me you've read every page of the contract your credit card company sends you, I'll buy you a beer.) Another valuable reform, also mentioned in the article, is the removal of the pre-existing condition exclusion.
As she asked, after being left with a $22,000 bill, "in what mythical US hospital can you have a baby for $3,000?" Then, six months later, after she called the insurance company's press office to announce she was writing an article about her experiences, they suddenly decided to cover 90% of the costs. Consider this reason number 6,539 why we need health insurance reform in America. Go read the whole thing.
ETA One of the many things included in this reform package are "health care exchanges." These exchanges force a standardized disclosure of benefits (AKA, "no more hiding shit in fine print"). Consumer disclosures matter. (If you tell me you've read every page of the contract your credit card company sends you, I'll buy you a beer.) Another valuable reform, also mentioned in the article, is the removal of the pre-existing condition exclusion.
no subject
Actually, if you'd read the article, you'd notice that the $3,000 limit was on ONE appendix, while the maternity coverage was a multi-page booklet. If I did that shit on a loan I wrote, I'd be looking for a way to avoid jail time.
Consumer disclosures matter, and if you tell me you've read every page of the contract your credit card company sends you, I'll buy you a beer.
no subject
You get a pass because I don't have a credit card. But I do at least skim matters like that before I sign. And I did annoy all parties involved when I closed on my house when I did sit down and read everything before I signed or initialed.
Then I got sticky over a few hundred dollars the seller had tacked on. But that's another story.