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Monday, 19 November 2018

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We've long known that the Much Vaunted National Health Service© really doesn't like kids:

"[I]t's actually cost the MVNHS© more money to fight his being flown elsewhere for treatment at his parents' expense."

Turns out, the health "care" scheme doesn't much like their mom's, either:

"Error means 48,000 women have not received cervical cancer screening information"

To be fair, this mistake was made by an MVNHS© vendor, not the service itself. Still, the ~~buck~~ pound sterling has to stop somewhere.

And hey: Free!

[Hat Tip: FoIB Dutch R]

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Earlier this month, we reported on a service available to our Neighbors to the North© that helps them obtain health care while they can still use it:

"Check out Timely Medical Alternatives in Canada, which specializes in helping Canadians find affordable care (for cash payment) instead of waiting in the queue."

Well apparently that isn't sitting too well with the rocket surgeons who run the country's free health "care" system:

Canadian Hospital Waiting Room Promotes Euthanasia https://t.co/w4CSAcaXg2
— Þe Political Hat with "Ralph" The Wonder Llama (@ThePoliticalHat) November 14, 2018

Ooops.

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Friday, 16 November 2018

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This just in:

"Nebraska published a consumer alert about health care sharing ministries - consumers should be aware of the significant limitations (like no-legal-responsibility-to-pay-claims-level limitations)"

Why this is just now being treated as "breaking news" is beyond me: we've been pointing out these very real problems for years:

"My claim from October had still not been paid. Yesterday I received a notice dated April 19, 2017 that since I was no longer a paying member my medical claims are no longer eligible for payment!"

Of course, they ave their good sides, as well: ACA-compliant, relatively inexpensive, often include decent benefit (and omit unnecessary ones that tend to drive up rates). But as I point out to my own clients, they aren't insurance, so there's really no recourse if they decline a claim or simply fold up shop. And, as the report points out, there are often significant limitations in what's covered (and for how much).

Still, they remain a viable ObamaPlan alternative, as long as one joins up with eyes wide open.

[Hat Tip: Rachel Schwab]

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Thursday, 15 November 2018

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Well, we got our first major ice-storm of the season last night (and continuing this morning), so it seems that Fall is, indeed, making itself known. And Lisa Lines is making her presence known, too, as she makes her Health Wonk Review hosting debut over at The Medical Care Blog.

And a right nice job she does of it: with posts ranging from Open Enrollment to Big Pharma Phunnelling Funds, you're sure to find *something* to pique your interest!

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Here's the (gruesome) headline:

"California dad charged with insurance fraud after he drove off cliff, killing autistic sons"

Now, we've discussed before the fact that one may not profit from a crime:

"In this story ... we learn about Joaquin Shadow Rams, who seems to have a habit of buying, and then collecting on, life insurance policies for his intended victims, including (allegedly) his mother and his girlfriend."

And of course there have been others. In all of the related posts I can find, though, all save one have been about straightforward and underwritten (term, whole or universal life) plans. But this one's different, and I'd like to talk about that difference.

"Regular" (aka "ordinary") life plans like term and whole life are generally underwritten (although there are guaranteed issue versions which impose waiting periods). But "accidental death" plans pay out only if the death is due to an non-purposeful injury (well, almost always). And the key to these plans is that they are generally not underwritten.

[ed: As an aside, one wonders if there was a cultural motive involved here in addition to the financial one]

In the case at hand, the facts seem pretty straightforward as to what happened. What's interesting to me is why the father chose an Accident Only plan instead of a term or even "Jumping Juvenile" one. And it seems to me that the answer is fairly obvious: the lack of underwriting makes it an easier "buy," and the fact that it's Accident only makes it a lot cheaper.

It's also worth noting this little tidbit:

"[T]wo years and 12 days earlier, Elmezayen bought the last of his insurance policies, which were purchased to cover his family in the event any of them accidentally died."

One presumes that this was to avoid triggering the "Contestability Clause," but I'm not seeing where that would apply to an Accident Only plan. After all, that clause is to protect the carrier from misstatements of health, age or sex; I'm not aware of any app that asks "Are you planning to murder your spouse/children any time soon?"

This is obviously a very sad case, but also a very strange one.

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Wednesday, 14 November 2018

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Shot:

"Health care is a service like any other. We ought to expect price transparency for medical goods and services to make informed choices that maximize value."

I, too, have been chasing this wild goose for many, many years. And I still believe that it's a noble goal.

But as long as government and insurance - in other words, 3rd party payers - are in the mix, it's not a viable one.

Chaser:

Are you a Dr. who agrees with this article? Please help us show patients/media/govt that this article is true. Post your cash fees on https://t.co/KruMnPRA4H. Help be the proof-source that affordable medical care is abundant and not limited to a few DPCs and @SurgeryCenterOK
— Alisa LeSueur (@Alisa_LeSueur) November 12, 2018

And why would any physician agree to this? And perhaps *more* critically, how would they?

Which brings me back to my first point (above): so long as the government (through Medicare and Medicaid reimbursement levels) and insurance (trough multiple provider contracts) distort the price (that is, that which the consumer/patient/insured pays), then there's no practical way for this to occur.

Which of course brings to mind Direct Care (whether Primary or other): when one pays the piper oneself, then it's reasonable (and viable) to pre-determine the cost of various services beforehand [ed: up to a point - what if the knee surgery uncovers something more serious?]. Of course, there's still an affordability challenge (and, often, an accessibility one), which means we still have a long way go.

Which is still another reason I'd love to see true cat plans re-legalized.

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