Democratic Underground Latest Greatest Lobby Journals Search Options Help Login
Google

Low health insurance caps leave patients stranded

Printer-friendly format Printer-friendly format
Printer-friendly format Email this thread to a friend
Printer-friendly format Bookmark this thread
This topic is archived.
Home » Discuss » Editorials & Other Articles Donate to DU
 
RamboLiberal Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-14-08 11:26 PM
Original message
Low health insurance caps leave patients stranded
Edited on Mon Jul-14-08 11:26 PM by RamboLiberal
Source: USA Today/AP

Mary Wusterbarth thought her toddler was struggling with an ear infection when she seemed sluggish. Instead, a virus had attacked the little girl's heart, damaging it beyond repair. Brea needed a transplant.

Within three weeks of a 2007 doctor visit, the 20-month-old had exhausted the $1 million lifetime maximum on her health insurance. Her parents have scrambled ever since for ways to cover thousands of dollars in monthly medical costs.

"We have no idea what kind of financial future we have," said Wusterbarth, of Wake Forest, N.C. "The medical bills come almost daily. There's never an end."

Insurers set lifetime limits to keep rates low on some policies, but holders are learning that individual caps that seemed large quickly max out as health care costs soar. Several patient advocacy groups are prodding insurers to raise the caps, which generally don't adjust for inflation. Congress also is considering two bills that would do that.

Only 1% of employer-offered group plans the largest health insurance segment had caps as low as $1 million last year, according to a survey by The Henry J. Kaiser Family Foundation. But 22% had caps of less than $2 million, and some want to see all these relatively low maximums eliminated.



Read more: http://www.usatoday.com/news/health/2008-07-14-insuranc...



Just one more reason we need universal health care! These days it doesn't take long to get to 1 or 2 million dollar cap when medical costs are so high!
Printer Friendly | Permalink |  | Top
Donnachaidh Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-14-08 11:35 PM
Response to Original message
1. we need universal health care AND CEILINGS on what these greedy
medical companies are charging. THEY need to be HEAVILY regulated. Yes, 1 million is a low cap, but jeez -- they went thru that in 3 WEEKS?

We holler about corporations fleecing the consumers. Well - so are the hospitals and *specialists*. :grr:
Printer Friendly | Permalink |  | Top
 
Earth_First Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-14-08 11:35 PM
Response to Original message
2. My brothers' father in law suffered a massive stroke in March...
He's been hospitalized since with a slow, but positive recovery. However, the positive recovery has not been quick enough for the insurance company. In two weeks they will cut him off of life supporting medical attention as the cost of rehabilitation is not what the insurance company is willing to cover.

Here's a man, who spent his entire life dutifully paying his insurance premiums only to find that in his greatest moment of need, the policy that he thought would perhaps save his life, will now maybe cost him his life.

Hey, (R) voters: "Go fu*k yourselves!"
Printer Friendly | Permalink |  | Top
 
EbenezerMcIntosh Donating Member (154 posts) Send PM | Profile | Ignore Tue Jul-15-08 12:08 AM
Response to Original message
3. A million dollars in three weeks?
I don't believe it. Maybe we should get rid of the insurance companies and let people deal with health care providers directly, if you know what I mean.
Printer Friendly | Permalink |  | Top
 
democrat2thecore Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Jul-15-08 02:52 AM
Response to Original message
4. Dental caps are insanely low. $1000 a year on my policy. HORRIBLE.
And we're finding out more and more how dental and gum disease cause heart attacks and other health conditions. What jackass ever decided that the teeth weren't a part of the body and should be treated separately with different insurance for both? Same with vision! Hell, the body is the body. Health is health.

We need Single-Payer NOW.
Printer Friendly | Permalink |  | Top
 
Delphinus Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Jul-15-08 07:18 AM
Response to Reply #4
5. HR 676 - Medicare for all
Takes care of everyone without needing the insurance companies.
Printer Friendly | Permalink |  | Top
 
DU AdBot (1000+ posts) Click to send private message to this author Click to view 
this author's profile Click to add 
this author to your buddy list Click to add 
this author to your Ignore list Wed Nov 26th 2014, 07:13 PM
Response to Original message
Advertisements [?]
 Top

Home » Discuss » Editorials & Other Articles Donate to DU

Powered by DCForum+ Version 1.1 Copyright 1997-2002 DCScripts.com
Software has been extensively modified by the DU administrators


Important Notices: By participating on this discussion board, visitors agree to abide by the rules outlined on our Rules page. Messages posted on the Democratic Underground Discussion Forums are the opinions of the individuals who post them, and do not necessarily represent the opinions of Democratic Underground, LLC.

Home  |  Discussion Forums  |  Journals |  Store  |  Donate

About DU  |  Contact Us  |  Privacy Policy

Got a message for Democratic Underground? Click here to send us a message.

© 2001 - 2011 Democratic Underground, LLC