The ideal patient will die with an estate that is worth exactly what it says on the final bill 😊😊
My terminal diagnosis plan is split. I’m not sure which one I should do. I guess it depends on how sick or how much time I have left.
it’s either going to be making my death look completely accidental for the life insurance money, or go on a punisher spree until I’m dead.
So I worked for a big health insurance company for 11 years. Of which 4 of those I worked in international claims.
We would get these claims from Mexico sometimes for people with terminal cancer.The companies were U.S companies, some canadian. But clinics were in Mexico.
Ever see those commercials for “cancer treatment centers of America” where they promise new innovative and experimental treatments?
They used to run commercials all the time. Well all the facilities are all located in Mexico.
(Now it’s been about 6 years since I last worked there and maybe these companies don’t exist anymore. I hope not).
Anywho. We would get these medical claims in for literally a few million dollars.
For vitamin B shots. Water exercises. Massages.
Nothing innovative. No actual cancer treatments.
Just pain killers and vitamin B shots.
People would stay there for a month or two then die. But that’s only part of the horror.
The cancer centers would not release the bodies of the person until the debt was paid.
Yeah they would hold them for ransom.
That’s why desperate people would try to get the u.s health insurance company to pay some of it. But we wouldn’t. Because 1. It’s considered medical tourism. And 2. It’s not considered legitimate health care.
We felt bad for the families whenever one of these claims came through. They would often submit it multiple times trying to get it paid. With letters begging us. Which is how we learned that these companies won’t release the body of the deceased until they were paid.
They have been sued many times but still going strong.
There are lots of them not just the one I mentioned.
https://pubmed.ncbi.nlm.nih.gov/1878788/ Questionable cancer practices in Tijuana and other Mexican border clinics
sounds like those places are pseudoscience just preying on the desperate.
Why is medical tourism not covered? Seems like they should be on board with cost saving
Maybe, maybe not.
Some places are as expensive or more.
These Mexico cancer centers charge way more.
Switzerland also has expensive medical. Almost same as U.S.
Most other countries cheaper but it’s hard to know if there is fraud. People go get cosmetic surgery and send in a bill for a deviated septum but it was a cosmetic nose job.
Generally only accidental or emergency care is covered for foreign countries where it’s not easy to get to the u.s.
For example you get injured or have a heart attack in Mexico near U.S border, you better go to the U.S hospital if it’s closer or it won’t be covered.
There was exceptions made for expats living abroad.
There was one company that had like 8 families that it insured. All lived in different foreign countries.
I think they were maybe doctors.
The company was a charity that’s well known but I don’t want to say who. They were very good to their employees though. They paid some crazy gold platinum plan for these people. We covered everything for them and their family and even reimbursed them in their currency. Had like a $200 deductible and no copays or something crazy like that.
Best plans I’ve ever seen.
You’re completely right, but you could replace for profit healthcare with for profit anything and still be right.
Exactly. Capitalism is used to extract as much money as possible and concentrate it on the 1 %
All business is built to extract as much resource control as possible from everywhere. The natural goal for all business is the complete control of everything, a monopoly on all resources, with zero responsibility.
No it’s not “natural,” because corporations themselves are not “natural.” We created them, and they’ve only gained more and more power and less and less accountability because we let them. It doesn’t have to be that way. Being granted a corporate charter is a privilege, not a right; we don’t have to let corporations that act against the public interest continue to exist.
See also: https://reclaimdemocracy.org/corporate-accountability-history-corporations-us/
Everything is natural since it all comes from nature, like us, unless you believe in something silly, like God.
All capitalist business is.
Not just before. Also after.
That’s true and that’s important additional context. Survivors get punished too.
Pro Tip: DEED TRANSFER TO YOUR KIDS BEFORE YOU GET SICK ffs
Only if your kids aren’t assholes.
No one plans to get sick when they do.
You would have to do the transfer several years beforehand anyway, iirc. There’s a 5-year lookback on medicaid anyway.
It’s not even necessarily better in places with some public healthcare. In Canada, although medical care is generally free, retirement residences are not. My grandmother is in her 90s and requires a memory care facility, which costs $8000 per month. She is very lucky to have an inflation indexed pension, and even with it her kids are having to supplement to pay the cost.
The only thing you can do is hope never to require care.
One of my highest concerns and grievances with working towards retirement in the US. Even if you do everything ’ right’. All it takes is a bad roll of the cancer dice and your family is fucked. Your hard work is washed down the drain. And there’s not a single political fuck in chance of reform in our lifetimes.
I’m surprised there aren’t more cancer patients who decide fuck it and aggressively crash a board meeting.
probably too sick from cancer or chemo to even perform that. maybe a distraught family member will.
Far too many people do not see the equivalence between physical attack and financial attack. IMO, at a certain point it’s just fucking self defense…
That my plan, it will be in healthcare best interest if I never get terminal cancer.
It’s a good thing (for the corps) that the US is filled with mostly morons who think that’s a good thing.
That’s for whatever is left after a lifetime of being enticed into overspending on gambling, overpriced entertainment, expensive foods, cheap consumer goods, and desperately trying to keep up with aspirational lifestyles they see in the media.
does not stop there also from the state. the whole medicare advantage is about billing for illnesses without effectively providing care.
That’s all insurance ever.
Yep work for Allstate the “good hands” people. They fuck you anyway they can.
Medicare Advantage is a commercial wrapper for Medicare…
You can call it Mercenary. That’s what it is.
Every system ever, created by man, is.
Not really. Plenty of functioning healthcare systems out there
You can’t really pay for care.
