Flutterby™! : A few notes on healthcare

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A few notes on healthcare

2009-09-11 00:10:59.023705+00 by Dan Lyke 3 comments

  1. If you don't cover illegal immigrants, you don't get the big savings.
  2. Can I have my health insurance company and my life insurance company duke it out? Seems like if I get really sick, my health insurance company will want to drop me, but then my life insurance company will have to pay off. There's got to be a way to play this...
  3. Bla bla bla "portability", how about a way that I can switch my coverage from the Kaiser group plan we've got now to a Kaiser individual plan without typing in 20 pages of medical questions that Kaiser already has in their database, in better form than I can retrieve?

[ related topics: Politics Health ]

comments in ascending chronological order (reverse):

#Comment Re: made: 2009-09-11 11:07:13.170495+00 by: meuon

I like the idea of the health insurance and life insurance company deciding what my health care bene's might be, but there area lot of issues there that could make some fun sci-fi-ish short stories.

I woke up after the car accident, and realized I was a "gomer". My eyes told me I was looking out a window at a beach, but the image wan't right. Technically, gomers are alive, but just barely. It keeps the Company from paying off the double accidental death benefit....

#Comment Re: made: 2009-09-11 15:26:46.394671+00 by: m

Life insurance proceeds can be sold on an individual basis, and are known as viaticals. This became a big deal when AIDS first reached prominence, but with improved meds a lot of patients lasted/are lasting much longer than the buyers expected, causing them significant losses.

So can all sorts of other expected structured payoffs. Lottery, annuities, lawsuit settlements amongst others. Now financial companies want to lump viaticals together and securitize them just the way that mortgages were packaged and sold. I wonder what kind of financial disasters this will cause.

#Comment Re: made: 2009-09-12 05:07:23.654921+00 by: TheSHAD0W [edit history]

I've been pushing that idea for a while. http://hmofix.shambala.net/ Combine health insurance with life and disability insurance. If the insurer won't rightfully pay for healthcare they'll get zinged in another direction.

Of course, that might mean the insurer won't pay for your multi-million dollar treatment if you haven't ponied up for a big policy. Oh dear! And there's a few other glitches, like receiving disability insurance cocking up your "free" social security benefits...