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View Diary: The ACA "train wreck" with my healthcare insurance (202 comments)

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  •  I don't know about employer related (0+ / 0-)

    health care but I had an interesting experience today that shows where the insurance industry's head is and what it does to insure profits, minimize access and reduce claims.

    My wife and I recently came back to the US after 10 years overseas. My wife did not get a primary care physician yet as she was pretty busy. She got sick - nothing too bad; ear infection, sinus infection and bronchitis. Since she did not yet have a primary care physician no one at our clinic would see her. So we did the next best thing and went to the very convenient urgent care center. Upon arriving we presented our very good insurance, PPO, minimal deductions and so forth, but were told that our insurance would not be good at this particular clinic.

    The reason why? The clinic was too convenient and too many people would use it! This and things like it are what is wrong with a health care industry in which profits are the main criteria. I.e. the insurer wants to minimize claims and costs by limiting usage of convenient locations in the hope that people will forego treatment in all but the most dire cases.

    “Never argue with someone whose livelihood depends on not being convinced.” ~ H.L. MENCKEN

    by shigeru on Thu Sep 26, 2013 at 03:06:43 PM PDT

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