Living in the UK, my taxes help to pay for the NHS – I never have to worry about insurance premiums, or whether I can afford to see a doctor, or pay for my medicines. Similarly, if I lived in any other European country, or Canada, or virtually any other civilised country, I would have access to state-funded/provided healthcare.
I worked one place where they paid entirely for the health insurance, but the deductible was somewhere around $1,000; everything above that was covered 100%. They also encouraged anyone with recurring medical expenses or kids to sign up for the medical savings account program they also had; it was a pre-tax deduction so you’d save money there and you could pay any medical expenses with it.
Hang on, Pig. They’ll change up which insulin and albuterol inhaler is covered every few months so you have to jumps through hoops to get it. Lovely. Did your specialist order an imaging study? Oh, hang on. The PCP has to do the Prior Authorization even if they don’t know what the imaging study is looking for. Excellent.
Now in theory if nothing ever happens to you, this wouldn’t be an issue. But if you so much as break your leg, you’re paying for the full hospital bill.
MY beech about health insurance is that my treatment plans are regulated by some cube farm business adm grad that wouldn’t know a broken arm from a hemorrhoid.
Sounds like our current government: We’ll fix everything for you…_but_ we’re going in the hole by $4.5 trillion and you and your children and grandchildren will be in hock for ever!
This is not health-related, but it reminds me of what happened with my homeowner’s insurance when we lived on the Gulf Coast of Texas. When we suffered extreme damage from Hurricane Ike, all we had to pay was a $250 deductible for what amounted to over $30,000-worth of damage. After that, our deductible increased to $7,000. Fortunately, we moved further inland before we got hit by another hurricane.
Insurance companies are raising premiums and decreasing coverage on something laughably called Long Term Care. They do NOT want to be in that business ‘cause folks, in general, are living longer.
I wonder if they’ll change back since COVID has decreased Americans’ life expectancies?
Either way, LTC is only a win for them if we all die early.
As a European this makes feel a little smug. Was it not for US friends I would not even know what deductibles are. Thinks like going bankrupt over health costs or staying in a crappy job to hold on to an insurance is not situations we live.
BE THIS GUY about 3 years ago
“Don’t blame us! It’s because we now have to cover pre-existing conditions!”
Renatus Profuturus Frigeridus Premium Member about 3 years ago
Ah, the cheerful inner world of insurance!
sirbadger about 3 years ago
And if you’re in a car accident, we’ll deduct an arm and a leg.
Concretionist about 3 years ago
This is why some companies self-insure.
BasilBruce about 3 years ago
I believe there’s a clause somewhere in his policy regarding his first-born male child.
Cornelius Noodleman about 3 years ago
I bought my insurance from a guy called Mr. Haney.
GeorgeInAZ about 3 years ago
Ridiculous! Obama are fixed all this! And Biden made sure.
Jonathan Mason about 3 years ago
What is a “deductible”?
Living in the UK, my taxes help to pay for the NHS – I never have to worry about insurance premiums, or whether I can afford to see a doctor, or pay for my medicines. Similarly, if I lived in any other European country, or Canada, or virtually any other civilised country, I would have access to state-funded/provided healthcare.
Baarorso about 3 years ago
Ah yes, the American insurance system. It works-if that is you don’t get sick! ;P
blunebottle about 3 years ago
It’s all give and take.
AndreasMartin about 3 years ago
Health insurances are such a health risk. They can cause stress, high blood pressure, even heart attacks. That stuff should be banned.
juicebruce about 3 years ago
The plant looks like Larry Croc’s wife’s hair style ;-)
Procat Premium Member about 3 years ago
I’m covered under the wonderful tRump insurance plan.
Looneytunes65 about 3 years ago
Ponzi scheme
NeedaChuckle Premium Member about 3 years ago
People call this the best health system in the World. So how come our life expectancy age keeps decreasing.
tripwire45 about 3 years ago
That’s what gets me these days. Even “good” health insurance from a generous employer still has a deductible that’s over the Moon.
Troglodyte about 3 years ago
Can Rat be classified as a pre-existing disease? :D
jessie d. about 3 years ago
Wait until depreciation is brought in as a ruse to cancel even that.
Ellis97 about 3 years ago
He’s being greedy and they’re raising the prices?
scpandich about 3 years ago
I worked one place where they paid entirely for the health insurance, but the deductible was somewhere around $1,000; everything above that was covered 100%. They also encouraged anyone with recurring medical expenses or kids to sign up for the medical savings account program they also had; it was a pre-tax deduction so you’d save money there and you could pay any medical expenses with it.
akachman Premium Member about 3 years ago
Hang on, Pig. They’ll change up which insulin and albuterol inhaler is covered every few months so you have to jumps through hoops to get it. Lovely. Did your specialist order an imaging study? Oh, hang on. The PCP has to do the Prior Authorization even if they don’t know what the imaging study is looking for. Excellent.
Marc Schiffres about 3 years ago
Now in theory if nothing ever happens to you, this wouldn’t be an issue. But if you so much as break your leg, you’re paying for the full hospital bill.
Lenavid about 3 years ago
A Medicare Advantage Plan!
pheets about 3 years ago
MY beech about health insurance is that my treatment plans are regulated by some cube farm business adm grad that wouldn’t know a broken arm from a hemorrhoid.
nosirrom about 3 years ago
Pregnancy is a preexisting condition, even before you’re pregnant.
asmbeers about 3 years ago
Government health insurance isn’t insurance, it’s a premium fee-collection scam. Insurance pays claims.
WCraft Premium Member about 3 years ago
Sounds like our current government: We’ll fix everything for you…_but_ we’re going in the hole by $4.5 trillion and you and your children and grandchildren will be in hock for ever!
VICTOR PROULX about 3 years ago
Take the profit out of health care
Flapjack omelette about 3 years ago
Not so good
raybarb44 about 3 years ago
Fine. Just cancel my policy. Everything is free now anyway……
CaveCat87 about 3 years ago
You ever heard the phrase “Too good to be true”? Well, there it is.
Goat from PBS about 3 years ago
There’s always a catch.
Lightpainter about 3 years ago
Pig! This is ACME, and you should know NEVER choose anything by ACME.
Nate Wright (Mischief God) about 3 years ago
Next step: bankruptcy.
Lola85 Premium Member about 3 years ago
This is not health-related, but it reminds me of what happened with my homeowner’s insurance when we lived on the Gulf Coast of Texas. When we suffered extreme damage from Hurricane Ike, all we had to pay was a $250 deductible for what amounted to over $30,000-worth of damage. After that, our deductible increased to $7,000. Fortunately, we moved further inland before we got hit by another hurricane.
Walter Kocker Premium Member about 3 years ago
Insurance companies are raising premiums and decreasing coverage on something laughably called Long Term Care. They do NOT want to be in that business ‘cause folks, in general, are living longer.
I wonder if they’ll change back since COVID has decreased Americans’ life expectancies?
Either way, LTC is only a win for them if we all die early.
gbars70 about 3 years ago
Yeh Acme, tell me about it, my buddy Wiley got screwed by them in more ways than one!
Natarose about 3 years ago
Ha! That’s rich. An insurance agent saying don’t be greedy!
mrhardboiledisme about 3 years ago
Now that’s funny!
Cerabooge about 3 years ago
It’d be funnier if you exaggerated.
Asharah about 3 years ago
I have one prescription that can obliterate by deductible with one refill.
Zebrastripes about 3 years ago
They give one thing and take back 10!
christelisbetty about 3 years ago
If you don’t like you must be a commie.
gbars70 about 3 years ago
OK, we’ll knock 3 million offa that; but you’re killin’ me here!
KEA about 3 years ago
Insurance should not be needed to get adequate health care.
oakie817 about 3 years ago
and it’s getting worst: specialist my doctor referred me to, only sees HMOs on Mondays….medical discrimination
Sisyphos about 3 years ago
So very true. I’ve had an experience lately with a provider that parallels what Pig just got. Little Guy never wins against Big Insurance….
RonaldHeater about 3 years ago
While we are at it, we’ll take an arm and a leg.
rgcviper about 3 years ago
Sounds about right with insurance, unfortunately.
TheodorFælgen about 3 years ago
As a European this makes feel a little smug. Was it not for US friends I would not even know what deductibles are. Thinks like going bankrupt over health costs or staying in a crappy job to hold on to an insurance is not situations we live.
Squirrel Chaser over 2 years ago
I bought my insurance from a guy named Ned Ryerson