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BILL CHIROLAS: Mini-Medical/Limited-Benefit Plan Lowers Insurance Co Costs

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Tace Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Jun-01-06 08:32 AM
Original message
BILL CHIROLAS: Mini-Medical/Limited-Benefit Plan Lowers Insurance Co Costs
William Chirolas -- World News Trust

Mini-Med is a smoke-and-mirror concept that looks good, but is designed not to pay claims (the design of course varies -- how else to hide cost from cost comparisons -- but the employee's $60 per month premium usually covers a $15 co-pay for in-network physician office visits benefit with a maximum annual benefit of $450, and with maximum annual limits on outpatient diagnostic coverage of $300, an outpatient surgery surgery annual maximum benefit of $1,000, a hospitalization is usually not covered but if covered it might have a maximum of $1000 per day with a few days as the maximum, and if drugs are covered there would be a co-pay and annual maximum also). These plans are being promoted by companies that bill themselves as mini-medical insurers, but that are really just marketing organizations, resulting in a breakdown of the quality and frequency of health care in the United States -- but then again the private sector is meeting the request of the Bush administration for a low cost non-governmental innovative response to the high cost of health care.

Now that Aetna Inc. (which acquired Strategic Resource Corp) and and United Health Group Inc. have joined little guys like Star HRG in offering these plans, can we ever again trust being a large operation to mean you have any more credibility than someone running a marketing scam?

more

http://worldnewstrust.org/modules/AMS/article.php?storyid=3632
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silvertip Donating Member (95 posts) Send PM | Profile | Ignore Thu Jun-01-06 09:13 AM
Response to Original message
1. Medical ins.
    All ins. co. have just one mission in life and that is to
separate you from just as much of your money as they can while
giving back as little of said monies as is humanly possible
using any means at their disposal either legal or illegal.    
                                                              
 You can call me a communist or whatever but I think we should
get rid of them all and go with one federal medical program
funded by our tax dollars.This IMO would get rid of all of the
bullshit and reduce our medical costs by billions of dollars.
Assuming  that it is properly handled of course, but then
again an assumption is the motherhood of a mistake or so I
have been told.
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area51 Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Jun-01-06 09:27 AM
Response to Reply #1
2. Welcome to DU, silvertip.
We definitely need to get rid of the private, anti-human insurance cos. in U.S. healthcare. The govt. needs to stop stealing/wasting our tax dollars & give us universal healthcare now, like the civilized countries have. The more of us who are healthy, the more productive we are, & the republinazi party claims they're all about productivity.


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silvertip Donating Member (95 posts) Send PM | Profile | Ignore Thu Jun-01-06 11:17 AM
Response to Reply #2
3. Universal
   We both know that as long as Bush & Co. are in office
this kind of sane health care for everyone is out of the
question they would rather see the ins. co. making billions
while the old go without food and or medical care and the poor
die because they can't afford to pay health care or the
outrageously high cost for med. ins. that probably won't pay
their medical bills to begin with, at least not if they can
find a way to weasel out of paying.                           
                                         I am 60% disabled
from the military so I guess that I am fortunate in that my
meds. and health care are taken care of by the V.A. but even
there this adm. is cutting everything that they can get away
with.Since I am disabled I have a lot of time on my hands so
much of my time is spent writing to our fearless leaders,
maybe I can at least jack one little corner of hell up high
enough to gain a little bit of attention and hopefully make a
small amount of difference.    Thank You for the welcome
aboard.
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