I “get to” screw over my health insurer. I have cancer. In fact, it’s one of those most expensive kinds — multiple myeloma — which is constantly coming out with new drugs. Chemotherapy alone costs $80k monthly. I only pay $7k annually out-of-pocket to cover the deductible. Going on year 4 of this.
In fact, I am starting CAR-T immunotherapy treatment next month. Super bleeding edge stuff. The procedure will cost my insurer $600k, so I guess they approved it because it may actually save them money in the long run (no chemo).
So I am living proof that insurance is not entirely a scam. Unless I get whacked suspiciously, of course.
poor cigna wrote:
I “get to” screw over my health insurer. I have cancer. In fact, it’s one of those most expensive kinds — multiple myeloma — which is constantly coming out with new drugs. Chemotherapy alone costs $80k monthly. I only pay $7k annually out-of-pocket to cover the deductible. Going on year 4 of this.
In fact, I am starting CAR-T immunotherapy treatment next month. Super bleeding edge stuff. The procedure will cost my insurer $600k, so I guess they approved it because it may actually save them money in the long run (no chemo).
So I am living proof that insurance is not entirely a scam. Unless I get whacked suspiciously, of course.
The scam is that hospitals inflate their prices to rip off the insurance companies, who in turn inflate their prices to rip off the customers.
This means 2 different entities must PROFIT in order for our health care system to work - both hospital and insurance.
If we had government funded healthcare (assuming it could be well run), it would take the profit away and our government would only pay the exact cost of the care. Even if our taxes went up to pay for it, it would save everyone a ton of money over the long term.
Indigenous did not have to pay insurance. It was called empathy and community back then.
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