Posted On: Wednesday - April 15th 2020 7:12PM MST
In Topics:   Healthcare Stupidity  Scams
This is very much related to the final point made in the previous post, the 2nd part of its title being "goosing the numbers".
The health "insurance" business, more correctly dubbed "health Plan"* business is very big, as health care is something like 1/6 of the American economy. My extremely worried family member noted to me that were I to get the Kung Flu, the co-pay would amount to $15,000, per her estimation. That was meant to scare me into various anti- and de-contamination practices, much of which would end all manner of living a normal life.
Au contraire! I received information about our insurance plan recently. I can't say I know how prevalent this is through other plans, but it tells me that there would be no co-pay required were the benefits user to contract the COVID-one-niner. I assume a test for the virus must have to come out positive in order for one to take advantage of this break. (Well, no, I don't mean to imply that that'd be a good day, of course!)
What about that test? It says your body has the antibodies that fight this Kung Flu, right? That does not really mean that whatever you go to the doctor or hospital for MUST BE due to this particular virus. Do the conditions that require medical attention have to be exact symptoms of the Kung Flu? As per the last post, if you get hauled in to the ER in an ambulance due to having driven drunk into an Oak tree, and you test positive for the Kung Flu, I guess that waives the co-pay. (Again, it's still not a good day, but, hey, after they patch you up, you may still have that money left for another Trans-Am.)
I really wonder if deals like this will make doctors more likely to chalk up deaths or ICU stays to the COVID-one-niner, rather than anything else at all. After all, the health care field in America is a complete pain-in-the-ass on the business end. Who wants to try to round up the next of kin to collect that co-pay? On the patients' side, the incentive is even more clear-cut.
This is just conjecture, I admit here. In order to get more publicity and more power from the ability to scare the livin' Bejesus out of the country, there is an incentive to log in deaths as from the Kung Flu, when these deaths may just have happened with the Kung Flu. Could this insurance thing be another incentive?
* Were it truly another form of insurance only, and not a big controlling factor in how the health care field operated in America, we'd be much better off.