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Blue State Blues Donating Member (575 posts) Send PM | Profile | Ignore Sat Sep-12-09 11:18 AM
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Bad People
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Insurance executives don't do this because they're bad people; they do it because it's profitable. As one former insurance executive testified before Congress, insurance companies are not only encouraged to find reasons to drop the seriously ill, they are rewarded for it. All of this is in service of meeting what this former executive called "Wall Street's relentless profit expectations."


How are they not bad people?

How could Insurance Company Executives do this:

One man from Illinois lost his coverage in the middle of chemotherapy because his insurer found that he hadn't reported gallstones that he didn't even know about. They delayed his treatment, and he died because of it.


or this:

Another woman from Texas was about to get a double mastectomy when her insurance company canceled her policy because she forgot to declare a case of acne. By the time she had her insurance reinstated, her breast cancer had more than doubled in size.


and not be bad people?

It's not as though Insurance Company Executives just made honest mistakes that ended up having tragic consequences. They knew what they were doing when they did it.

And these things don't happen in the passive voice. Patients don't just lose coverage, Insurance Companies cancel coverage.

Insurance Company Executives made calculations. Insurance Company Executives made decisions. Insurance Company Executives invented pretexts. Insurance Company Executives canceled coverage. Insurance Company Executives delayed treatment.

And patients died.

It's not as though they only did it once. It's not as though they have stopped doing it. They do it every day.

And why do they do it? Because it's profitable. They make money, a lot of money, when they do these things.

As one former insurance executive testified before Congress, insurance companies are not only encouraged to find reasons to drop the seriously ill, they are rewarded for it.


So why aren't they bad people? They do bad things. On purpose. Not just once, but over and over again.

Apparently Wall Street made them do it. Wall Street demanded profits.

And they had to cheat their customers to provide those profits. They couldn't control their administrative costs to provide profits. They couldn't be more efficient in their business. They couldn't limit their own compensation.

It's all Wall Street's fault. You know, maybe it's just me, but I don't think "the devil made me do it" is an acceptable defense for anything unless you're trying to establish grounds for an insanity plea.

Anyone can make a mistake. And mistakes can have catastrophic consequences. Anyone can make an error in judgement that can result in tragedy. But as people we define ourselves by our actions.

And what we do, what we do on purpose, what we do over and over again, our actions establish what kind of people we are more than any words we say. More than any excuses or rationalizations we give.

With all due respect, I have to disagree. They ARE bad people.
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