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+--- Thread: Insurance Has Ruined Healthcare (/showthread.php?tid=2020)
Insurance Has Ruined Healthcare - NightskyeB4Dawn - 04-23-2024
Have you noticed that health and well being has little to nothing to do with healthcare in America,? It has nothing to do with you, and everything to do with your money.
The government and healthcare insurance have nothing to do with your health, and it sure does not care. It is all an expensive scam designed to bleed you dry or let you die.
When are Americans going to learn that America is not, and has never been free. We are, and have always been, prisoners on this land, if we live, and are ruled and governed, by a group of wealthy people that are considered chosen or elite.
My Mother was placed in the Wellcare pharmacy program. This came about because Medicare made some kind of deal with Wellcare. This was not done voluntarily. She was told that they placed her in this program because it was associated with Medicare, and it would save her money. Her monthly co-pay under her previous plan was $30.00 suddenly went up to over $100.00.
A little info on Wellcare https://coverright.com/carrier-reviews/wellcare-medicare-coverage-is-it-worth-it/
Of course I called to find out what happened to the "saving" money part. As it turned out, her medicines were not on the "saving" money list. I am sure that anybody with an ounce of sense would have realized that the Wellcare plan was not a benefit to her. After calling her insurance company, suddenly they realized this. And of course they apologized and dis-enrolled her from that plan and put her back on her original plan.
So imagine her surprise when she went to pick up her meds yesterday and was told that she owed over $800.00.
The pharmacy said Mom had Medicare, but no secondary insurance, that is why her medicines are costing her so much. We informed them that she did have secondary insurance, and had been using their service for years without a problem. On investigation, they informed Mom that she did have secondary insurance but their records show it was cancelled.
At this point I knew exactly what happened. A call to her insurance company confirmed that when they changed Mother's plan to Wellcare, they took her old plan out of the system, when she called and dis-enrolled from Wellcare. That left no plan in the system for the pharmacies to connect with.
Supposedly they corrected the problem. We will see. Pharmacy doesn't open for another 30 minutes. We will call and see if they got the memo.
Just a few videos to explain just how bad the problem is. We can't say they aren't listening to us anymore. Many have been chanting, "Give me liberty or give me death." Well, it looks like they have chosen. And it does not look like "Liberty" won.
Denying Your Health Care Is Big Business in America
If you don't laugh, you will surely cry.
If Healthcare Was Honest
RE: Insurance Has Ruined Healthcare - SomeJackleg - 04-23-2024
(04-23-2024, 12:58 PM)NightskyeB4Dawn Wrote: Have you noticed that health and well being has little to nothing to do with healthcare in America,? It has nothing to do with you, and everything to do with your money.
it's not just insurance companies, it's doctors, emergicare, testing labs, hospitals and anything else you can name that can be billed for healthcare.
i had to take my mom to the emergency room for a cat scratch that became infected after she broke up a fight between two semi feral or what my brothers and i call 50/50 cats about 4 months ago, because her primary care doctor had retired and the one who took her place wasn't accepting new patients yet.
got into the emergency room pretty quick, and the nurses did their thing, hooking up all the stuff, waited about 30 mins for the doctor and when he came in first thing he did was start rattling off all kinds of blood tests, xrays and wanted to admit her saying they wanted to keep her under observation, without even looking at the scratch on her arm. then he glanced at it for less than a minute after she said no to being admitted. first thought i had was he's padding the bill.
we were there less than 4 hours. when the bill came in for her co pay, it was 332 bucks, her primary insurance only paid 90 bucks, and medicare paid 365 bucks the total bill was just shy of 12,000 bucks. they waved the rest we still haven't been told why so much or why they waved it. all she wanted was a Tetanus shot and antibiotics.
i did some looking around our area, and found a doctor that does office visits for 60 bucks and will be your primary if you want and will take cash. we're all thinking he will be our new doctor.
mainstream health care is a scam being pulled by all parties involved.
RE: Insurance Has Ruined Healthcare - NightskyeB4Dawn - 04-23-2024
(04-23-2024, 02:04 PM)SomeJackleg Wrote: it's not just insurance companies, it's doctors, emergicare, testing labs, hospitals and anything else you can name that can be billed for healthcare.
i had to take my mom to the emergency room for a cat scratch that became infected after she broke up a fight between two semi feral or what my brothers and i call 50/50 cats about 4 months ago, because her primary care doctor had retired and the one who took her place wasn't accepting new patients yet.
got into the emergency room pretty quick, and the nurses did their thing, hooking up all the stuff, waited about 30 mins for the doctor and when he came in first thing he did was start rattling off all kinds of blood tests, xrays and wanted to admit her saying they wanted to keep her under observation, without even looking at the scratch on her arm. then he glanced at it for less than a minute after she said no to being admitted. first thought i had was he's padding the bill.
we were there less than 4 hours. when the bill came in for her co pay, it was 332 bucks, her primary insurance only paid 90 bucks, and medicare paid 365 bucks the total bill was just shy of 12,000 bucks. they waved the rest we still haven't been told why so much or why they waved it. all she wanted was a Tetanus shot and antibiotics.
i did some looking around our area, and found a doctor that does office visits for 60 bucks and will be your primary if you want and will take cash. we're all thinking he will be our new doctor.
mainstream health care is a scam being pulled by all parties involved.
Before a healthcare provider touches you, they log into a computer. Almost all their time and attention is on the computer screen. They enter the data required from whatever software program they are commanded to data fill, and the computer tells them what to do and what not to do.
If the computer says, "You are fine, go home." Regardless of how much you persist, they will take the computer's determination over yours every time.
Coming from a large family, having to make a family decisions always was determined by one factor, "He who pays, says."
Health care is no longer determined by what is best for the patient. It is not about a cure. It is about how much money can they make off of you vs how much money will they lose by treating you.
There are too many Boomers, and too many profit from our demise.
https://offer.kasasa.com/exchange/articles/generations/gen-x-gen-y-gen-z
Quote:And though their current wealth has been dragged down by not one but two “once-in-a-lifetime” economic crises during their most impactful career years, Millennials stand to inherit over $68 trillion from Baby Boomer and early Gen X parents by the year 2030, setting them up to potentially be the most wealthy generation in U.S. history.
Generation Z isn’t far behind, projected to hit $33 trillion in income by 2030 — that’s more than a quarter of all global income — and pass Millennials in spending power the year after. 3
RE: Insurance Has Ruined Healthcare - GeauxHomeLittleD - 04-23-2024
When I had medical insurance my doctors were constantly trying to send me for unnecessary and extremely expensive tests, had me coming in for "check ups" every three months (and I have three different doctors!) and were constantly trying to push more and more meds on me- to which I had to argue almost to the point of shouting with them. Stupid things really, like why in the hell would I need a mammogram every single year with absolutely no family history of breast cancer? Why would I need an MRI a couple of times a year for headaches that were caused by an old neck injury that I stopped experiencing years ago after getting a particular piercing? Why would I need multiple additional meds for a condition that I've been controlling for years now with my diet?
Since I became a "self pay" patient it is amazing! I see my regular doc twice a year instead of 4 times, see my 2 specialists once a year instead of 4 times, they don't argue when I just say no to additional meds or unnecessary tests. And guess what? My health hasn't been affected at all. Funny how that works! Oh and for my meds I pay $10 month for GoodRx Gold plan and with that my meds are cheaper than just my co-pays were with insurance!
RE: Insurance Has Ruined Healthcare - Ninurta - 04-23-2024
Yup, a scam all the way around.
I avoided doctors and hospitals for most of my life because of that. Insurance companies take in your premiums, invest it in the stock market, make bank on YOUR money, and then set about finding ways to deny your claims and avoid paying them so they can keep your money AND the increase they generate in it by playing the stocks.
Around 6 years ago I think, I had to go to the hospital. That, too, turned out to just be a money-stealing scam. They tried to WAY overcharge me,with "services" I never received. They charged me with the highest "trauma level" possible, the one that normally ends in a life-flight... but there was no life flight attached to it. They charge me for a "suture tray" that never, ever entered the equation. And on and on, such things like that. In the end, they tried to charge me 5000 bucks total, and all I got out of it was a referral to someone else, no treatment at all.
I found that sort of thing to be morally wrong and reprehensible, so I refused to pay a clearly padded bill. I told them I'd pay for services rendered - the referral (which I never went to, it left me so disgusted with the practices), but not for services NOT rendered, only charged. They were mightily unhappy about my stance, but I don't care - I'm never going to that hospital ever again anyhow. No particular reason I should maintain a good relationship with thieves and cutthroats.
When my heart started kicking up, I was reluctant to go to any doctors at all due to that negative interaction. But i eventually did, just in another healthcare network. This one isn't too bad. They did the job they were paid to do, and that's really all I expect. It may have helped that in the interim, I got insurance - I figured that if I ever needed a doctor, it would be good to have a go-between between myself and them when it came time to settle the bill.
However, in this new "relationship", I've discovered the wonderful world of thieving pharma companies. One of the medicines I have to take every day now is Eliquis. It costs about 650 dollars A MONTH (60 pills, so about 10 bucks PER PILL - I think I might be able to buy LSD for less!). Oh, it can be sold for a lot less than that, but there is the matter of the pharma company ( the bottle says "Bristol-Meyers Sqibb" AND "Pfizer") feeling a need to fleece a captive herd - the folks that NEED their snake oils. Generic companies were already tooled up to start producing generics a couple years ago when the patent on Eliquis ran out, but BMS-P took the generics companies to cout to block production of generics -they hadn't fleeced the victims enough yet.
The courts "extended" the patent for a few more years - until Nov 2026 I think - so that BMS-P could continue raping folks' wallets as they had become accustomed to. So, in the mater of Eliquis, we've got to wait a couple more years for any chance of relief from predatory pharma companies.
To top it off, my Eliquis is made overseas so the pharma companies can cut their costs and maximize their rapacity. It says right on the bottle "Product of Ireland".
The insurance I have covers 100% of the costs, so I'm flush there, and have pretty fair insurance. The problem there is that eventually I'm going to have to shift to Medicare, and when I do, I lose this insurance entirely. Then it's going to be "co-pays". So, I'm holding off on getting Medicare as long as possible, hopefully I can hold out until generics are available. The earliest chance of that will be November, 2026.
My primary care physician quit the practice. they sent me a nice little letter saying she was quitting the practice, and none of the others there was taking on new patients, so I was shit out of luck, and thank you for your patronage! I tried to find another, but could not fins any locally. The closest was 30 miles away. I asked my cardiologist to refer me to a new PCP locally, but he said not to worry about it - his office would take care of whatever ails me. In effect, my cardiologist is now my general practice primary care physician.
I guess they had a hard time finding any local PCPs, too.
It's a scam, a racket. I went over 60 years without bothering with doctors. I just treated myself and managed to survive it. For example, in the "referral to a specialist" incident mentioned above, when the hospital failed to provide any treatment or relief, I ignored the referral, went home, and treated it myself. I had it cured in 4 days total from leaving the hospital.
So, I'm currently researching for natural blood thinners and beta blockers that can be found in the woods around here, in case the lights go out... or in case I have to go onto Medicare but the pharma companies extend their monopoly yet again and continue trying to rape my wallet.
Ginseng is one of the "hits" I've uncovered, which is why I ransacked the woods above my house for ginseng last fall, and brought berries back to plant in shady corners of my yard. It takes it 18 months to sprout, so I won't know if it "takes" until next spring. Even then, it takes 3-5 years to mature enough for use, so we'll see, Other folks around here poach it to sell (some years it goes for about 800 dollars a pound!), but I only dig it to use, so I don't have to clear-cut every patch of it I find like they do. Ginseng poachers beware - if I see you poaching it on MY patch, there's a load of lead in yer ass in the cards for you. It's mine, and I'll take you out of this world for stealing my medicine! My health trumps your wallet when it comes to my own land.
I don't plan on dying until I'm dead, greedy pharma or not.
.
RE: Insurance Has Ruined Healthcare - NightskyeB4Dawn - 04-23-2024
(04-23-2024, 06:16 PM)GeauxHomeLittleD Wrote: When I had medical insurance my doctors were constantly trying to send me for unnecessary and extremely expensive tests, had me coming in for "check ups" every three months (and I have three different doctors!) and were constantly trying to push more and more meds on me- to which I had to argue almost to the point of shouting with them. Stupid things really, like why in the hell would I need a mammogram every single year with absolutely no family history of breast cancer? Why would I need an MRI a couple of times a year for headaches that were caused by an old neck injury that I stopped experiencing years ago after getting a particular piercing? Why would I need multiple additional meds for a condition that I've been controlling for years now with my diet?
Since I became a "self pay" patient it is amazing! I see my regular doc twice a year instead of 4 times, see my 2 specialists once a year instead of 4 times, they don't argue when I just say no to additional meds or unnecessary tests. And guess what? My health hasn't been affected at all. Funny how that works! Oh and for my meds I pay $10 month for GoodRx Gold plan and with that my meds are cheaper than just my co-pays were with insurance!
Pharmaceutical companies are part of the great divide. It is not as much about the haves and the have nots with this scam. It is more about the live and the ones they will let live.
What good is advances in medicine if only the elite are allowed to benefit? I guess it is just another way to reduce our numbers more quickly.
RE: Insurance Has Ruined Healthcare - NightskyeB4Dawn - 04-24-2024
I am so tempted to start another thread for this post, titled "Chickens Come Home o Roost" or "They Really Do Plan To Kill Us".
It is nothing personal. It is just a case of simple math.
None of this is hidden. This is in your face information that we refuse to even look at, so we don't acknowledge it, and we do nothing to change it. It is almost as if we want to hope, that we go out before TSHTF, or we plan to go out in a flash, rapture like.
I have been saying what this man has been saying, actually a lot longer than he has been saying it, so I admit that I was pleased when this video showed up in my feed, to confirm my bias.
The truth is staring us in the face. The facts cannot be denied. We boomed into existence, and we are going to boom our way out. And it looks like many are willing to help us out and speed it up.