This guy has a moral issue with insurance. Anyone else feel the same?

[Noclone]

Good thread discussion here guys...

[LibForestPaul]

Isn't it immoral to knowingly engage in behavior that puts others at risk without being prepared to be responsible for damage you cause?

Moral immoral - irrelevant
Behaviour -define

When I go skiing, and have a head on collision with some other skier, the following can occur:
both parties
death - helmets can mitigate this
economic loss - from lost wages during recuperation.
medical expenses - broken bones, torn ligaments
survivor hardship

Note, not an insurance expert, so there certainly can exist more.

Feel free to elaborate on how it is or is not immoral , responsible or not , prepared or not, risk or not, regarding the damage I may incur from others and damage that I may that induce onto others by this activity.

Lets now have the state force every citizen that wants to partake in this activity be required to get skiing liability insurance since skiing is a privilege and not a right.

[Noclone]

...

[LadyBastiat]

I feel the same way except for different reasons....

I have a ton of things wrong with me that I'd like to get checked out but don't because I don't want to pay the mega expensive bills that I'd wrack up just because the Doctor sends you out for every expensive (and overpriced) test under the sun. Every part of a doctors exam is set up for people with insurance.

My wife used to work for an insurance company and they had a schedule of payment percentages that they would pay a Hospital. The insurance company never paid the full amount that the hospital charged.

I think that it's obscene that an insurance company pays less for a doctor than a person who is uninsured.

If there was no insurance, things would be a lot cheaper.

I discovered it is primarily the "big box" hospitals that don't give discounts for cash/non-insured patients. I fractured my hand a couple of years ago and just happened to do it during a 30 day period where I was uncovered. Being my first time ever to visit a doctor with no insurance coverage I decided it was in my best interest to call around and "shop" for a price. What an education it was!!! Pretty much the majority of big hospitals and their smaller satellite offices had only one price, when they were able to even give me a price. For the record, I ended up getting xferred to the insurance coders quite a lot, I guess they don't get people shopping for a price eh?

I did find out that if you go to the non-hospital affiliated "doc-in-a-box" type of clinics you can get a substantial discount off of services (at one clinic it was 40%, guess where I went). BUT, you should check before you go, there were still several that from their responses to my questions, I could tell had never had someone on the phone asking how much a service was prior to visiting them.

Anyway, I totally agree that 3rd party "wellness management" (its really not just insurance if it pays for everything is it?) has become too burdensome for not only the patients in terms of premiums but also to the clinics themselves in terms of all the staff they have to hire to do nothing but push paper back and forth.