Its all dead

[Anthony]

Originally Posted by bdeutsch

I think the thing that made me the angriest about the whole episode with our son was that we were willing to personally pay whatever was needed to get the healthcare bridge coverage. It simply did not matter though though as, at least initially, no carrier wanted to cover him (and again, the medical condition described in the earlier post was nothing).

It took us about 3-months and many calls to insurers, to get coverage that should have been a no-brainer. Had something happened to him during this time, a car accident let's say, we (gladly), would have given up everything to pay his medical bills (worse case scenario). This was a wake up call to us, that something is terribly wrong with the existing system.

Actually, the possible scenario you spoke about has happened already to my one employee's nephew, an about 24 year old (with no insurance), while on vacation was assulted, they bashed his head in, still haven't caught or cared about catching the criminals. Obviously, he was sent to a trauma center unconscious, in an ICU for weeks, sedated, documented brain damage, unsure if he could ever walk or play instruments again. Anyways, he got on Medicaid insurance which covered his 3 month hospital stay, and now is at home, still going to therapy. His parents did not go bankrupt, although the mother quit her job so she could help take care of him at home. That was about 8 months ago.

That's what would happen, and it did.


The general public doesn't want to pay co-pays, high deductables, money out of their pockets for basic care. They complain to me about it all the time.

yes, a catstrophic plan is the type of insurance that makes sense, especially for someone who has accumulated some assets, but that's not the type of insurance that can be "sold" to the public.