TYT: Insurance Co Lawyers Finding More (Major) HC Loopholes (w/ Article)

[ihavenobias]

Run time: 07:56 https://www.youtube.com/watch?v=T_Yg19TR_Mc   Posted on YouTube: April 01, 2010 By YouTube Member: TheYoungTurks Views on YouTube: 304   Posted on DU: April 01, 2010 By DU Member: ihavenobias Views on DU: 1723

 

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Summary: Cenk explains how insurance companies have an army of lawyers going over the healthcare bill with microscopes looking for major loopholes to exploit to raise our premiums and other costs and deny us coverage in sneaky and terrible ways. You can http://www.huffingtonpost.com/2010/03/31/insurance-industry-alread_n_519503.html|read about it here>.

[Wetzelbill]

1. K & R

[jgraz]

2. It's a lot easier to find the loopholes if you're the one who helped write them.

:banghead:

[SocialistLez]

12. Yep yep

[dotymed]

26. NO DOUBT!!

[theFrankFactor]

3. K&R!

[Smashcut]

4. Obama was clearly in favor of loopholes during the campaign.

If you voted for him you shouldn't act so surprised now.

In case it's not clear, this is :sarcasm:

[FiveGoodMen]

8. Well played!

[theFrankFactor]

5. Can't Wait for the 3D Chess Nerds to Attack Cenk on This Too...

"ya see, Barack really, really wanted to deliver a good bill it's just that the Republicans are so nasty, evil and powerful and we don't want the Tea Baggers to keep calling Barack names, he had no choice"... but to deliver this FUCKING PIECE OF SHIT!

[theFrankFactor]

7. Oh Wait and...

"Presidents are powerless to do anything." That's a good one too.

Democrats are defeated by design. BELIEVE IT!

[FiveGoodMen]

9. "Democrats are defeated by design"

And it often looks like it's by their own design.

Is it possible they aren't playing to win?

[OhioChick]

6. K&R n/t

[democracy1st]

10. K & R

[Mithreal]

11. Of coooooourrsse!

[unapatriciated]

13. They have already started with increased paperwork for the providers

My daughter is a biller for a small practice and I spoke to here today.
She is having more trouble than before with the "haven't received forms" after sending them over and over. The "it's billed under the wrong code" when that was the code she has used since forever for that procedure.
She spent three hours on hold with Blue Cross regarding three patients bills. Blue Cross had her on the rides of "haven't received" and "wrong code" for three weeks. The worst part is if she doesn't get it resolved before she hits the finale ride of "denied due to untimely filling" she crashes and the doctors have to write it off.

[ihavenobias]

17. 1 in 5 Health Care Dollars Used for Insurance Paperwork

http://www.pnhp.org/news/2005/november/1_in_5_health_care_d.php

Another huge advantage of Single Payer.

[liberation]

19. That was in 05, the trend is such that they're getting close to 1 out of 3 dollars in many cases

all for no apparent value added whatsoever, other than entitlement to profit. But then again, I would not consider that a value added to their customers (only their shareholders).

[KansDem]

18. "it's billed under the wrong code"

This happened to me two years ago. I suffered a heart attack and was diagnosed with diabetes in 2003. In 2008 my doctor wanted me to have some tests, so I got a prescription and went to the lab. Well, I had $750 worth of lab work done which I billed to my insurance company. They didn't pay it and I couldn't figure out why. Finally I found out that somewhere along the line from when the Dr. gave me the prescription and the bill was generated, someone IDed me as "female." This is why the insurance company refused to pay. I had both my Dr's. office and the lab on the phone last year trying to get this worked out. The lab wanted its money and sent me to collections, so now I have a collection agency calling me and my credit score took a hit.

I still don't know if it's worked out. A couple of months ago I had the insurance company on the phone and was told they'd have to "investigate" and that might take as long as 45 days because of their workload.

Its a mess...

[unapatriciated]

31. follow up in writing to your Insurance company,

They might now try to say that the claim was filed untimely. So when you write them include copies of the first filling also include copies of any paperwork you have and send it certified. I doubt it was the lab that made the mistake (it sounds like an insurance trick). They should have sent you an EBO (explanation of benefits) when they denied the claim. The 45 day thing sounds like a statue in your state's legal code that sets a time frame in resolving disputes (California has a 30 day time frame).

This is why if we are going to include the insurance industry in health care, we need penalties for delaying payment. As it stands now you can not sue for damages you incur because of a 'mistake' regarding payments of a claim. All you can win is the actual amount owed or restoration of insurance if they drop you illegally. California has been trying to regulate them since the early 90's and still have a mess.


My daughter spends hours and hours trying to get covered claims paid. Most billers won't do what she does.
The reason she puts in so much time is she saw first hand what denials and delays can do.
Her brother struggled over ten years fighting dermatomyositis, his care was interrupted routinely causing unnecessary crippling.
I struggled with the mountains of paperwork that eventually had to sell my home to continue medical during the denials and reviews.

[20score]

14. "This is the best we can get." "It's a step in the right direction." "Only an idiot doesn't

understand that this is how politics works." "So, you must love McCain and Palin then."

Just love those talking points and the cognitive dissonance they represent.

[liberation]

20. Technically it is not "dissonance" when it is done willingly, it is "intellectual dishonesty"

Then again, good leadership like good policies are self evident. They most definitively do not require the hordes of passive aggressive flying monkeys which have been deployed to undermine common sense and people's lying eyes.

[pattmarty]

30. Yep, There are a lot of people on "our side" that act just the.................

...........conservatives do. I personally don't give a shit if a politician is Green, Communist, Democrat or fucking Republican as long as he/she is honest and does (or at the very least tries really hard) what they said they would do. Yeah, fuck political chess as if there really is such a ridiculous thing.

[teknomanzer]

15. Exactly what I was expecting...

If we leave healthcare in the hands of private corporations we can only expect that they will look for the most expedient way to NOT pay out. Will they look for loopholes in this legislation to make it easier to fleece the heard? Of coooooouuuuuurrrrrrssssseeee! That is what they do. They are not providing this "service" out of altruism. Which is kind of ironic, because caring for someone's health is about the most altruistic profession I can think of. But then again these people are not providing the care - they are just overpaid middlemen filling their pockets with YOUR money. They don't have to deal with the pain, suffering, and down right gruesome realities of dealing with people when they are so sick there is little dignity left. No, for that we have underpaid and overworked nurses and other medical staff. What real benefit do patients get from this system?

For those that say healthcare is not a right I ask do coporations have a right to make money off people's pain and suffering? Where is that right guaranteed in the constitution? No where.

Healthcare should be a public service. You know once upon a time putting out fires was left to private companies and it was a total disaster. Why? Because if you did not have the company's fire mark on your property they would just let it burn which of course endangers everyone else in town. Not providing healthcare as a public service pretty much amounts to the same thing.

The correct answer to this problem was single payer. I don't want to play the ideology game. I don't care if single payer seems like socialism. I give two shits about isms. I care about what works best. Single payer. One HUGE pool vs multiple small pools ensures that everyone is adequately covered when they need it and it keeps costs down. One entity to fill out paperwork for -- quit wasting time and money filling out complex forms to mutliple insurance companies who are using paperwork to deny payment any damn way; simplicity will definitly cut down on costs. No share holders to pay out to -- no bean counters and company executives to pay big bonuses to with YOUR money; this cuts down on administrative costs. No more corporate death panels -- insurance companies have been pulling the plug on plenty of people in the name of money, YOUR money. Rationing? What hell do you think is being done now to make sure the shareholders get thier cut of YOUR money?

Why try to reinvent the wheel? Single payer, it just works, ask the rest of the developed world, they will tell you -- if you can get them to stop laughing at our idea of "reform."

[Rhiannon12866]

16. K&R. A tiger isn't about to change its stripes...

The authors of this bill certainly should have expected this and made every effort to close the loopholes. The insurance companies and their egregious behavior are the reason that we needed reform in the first place... :banghead:

[Enthusiast]

21. I predict this will be a controversial

thread.

[liberation]

22. Doubt it

it is the shift change on a Friday.

[Enthusiast]

24. Oh, I didn't know.

I see no nay sayers.

[Enthusiast]

23. We had every system in Western

Europe, Canada, Australia and New Zealand to study, to use as possible models to correct our health care delivery problems. Did we even glance at the successful systems, systems proven to actually work? Nope, we took them off the table as if they represented some insane approach to HCR. American exceptionalism taken too far.

[activa8tr]

27. EXACTLY........... never underestimate the stupidity of

American exceptionalism, taken too far.

[november3rd]

25. Duh

That's why they had to have single payer off the table, it's the one thing that turns out the lights at the insurance bonanza party.

The American people aren't stupid. How arrogant can these politicians be to think they can shake down the whole country with their insurance company campaign contributors?

[Uncle Joe]

28. Kicked and recommended.

Thanks for the thread, ihavenobias.

[mix]

29. k&r

sadly

[Kajsa]

32. K&R

Those bastards will do
anything to exploit people!

:kick: