Insurers operate pursuant to a gigantic ongoing conflict of interest. The more claims they deny, the more money they make.
The HCSMs I am familiar with, in contrast, pay themselves for the cost of administering their programs by taking a less than 10% cut of the money the members contribute, and that’s it. They do not get paid more based on denying claims. So they don’t have the incentive insurers do to stiff people with legitimate claims.
My daughter with husband and three boys loves her health share org. She does pay cash for routine checkups and the like and major hits are taken care of with no fuss. The doctors get paid their full price but inordinate charges are questioned and get reduced. Doctors bill legitimate fees and charges because they get paid what they charge while insurance companies regularly pay a fraction of the billed charged so the bills are jacked way up in order to recover a reasonable amount. B would be paying about 1200 a month for Insurance with 6000 deductible. Including their out-of-pocket for routine visits they are paying a bit more than 400. They had worried that they would have to do without until I told her to check out the Health Shares.
My daughter with husband and three boys loves her health share org. She does pay cash for routine checkups and the like and major hits are taken care of with no fuss. The doctors get paid their full price but inordinate charges are questioned and get reduced. Doctors bill almost always legitimate fees and charges because they get paid what they charge while insurance companies regularly pay a fraction of the billed charged so the bills are jacked way up in order to recover a reasonable amount. B would be paying about 1200 a month for Insurance with 6000 deductible. Including their out-of-pocket for routine visits. They are paying a bit more than 400. They had worried that they would have to do without until I told her to check out the Health Shares.
PBS does NOTHING! PEOPLE do these things! They have names and faces. These hate filled programs don’t just drop out of the sky. I’m sure the people who produce them are proud of their work. Tell us who they are. Make them proud.
Are any of these better than others? I’ve read up a bit, but still can’t decide.
Why can’t the media tell the truth …Now that is the question. Putting any words after that phrase is utterly superfluous.
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