Spag (npub1asx…e9gc) Hula (npub1s2z…prac) that's what it's supposed to do, but really it's just another money sink.
you pay a not-negligible fee out of every paycheck you get, on the off-chance you maybe need to use the insurance; the main purpose is to cut down own out-of-pocket medical costs for seeing a doctor or emergency medical treatment or to lower the cost of prescription drugs you need.
what actually happens when you need to use it, though, is that the insurance company claws its way over the fine print to avoid actually paying out for any of the services it exists to cover, and some insurance companies are shitty enough to lie to your face and completely deny you anything (this is specifically prevalent when it comes to vehicle insurance policies).
they're literally just another sort of bank. they take your money, give a certain allowance for overdrafting it to pay for stuff you need, but unlike a regular bank you have to fight tooth and nail to actually get your money back.
for mild, normal cases, it's cheap enough you can ignore it and then just pay your co-pays at the doc's office and feel justified that you spent under fifty dollars total for it all instead of five hundred. because that's how high the cost is for anybody who doesn't have insurance.
the entire concept of insurance is... necessary, simply because of capitalistic practices that allow necessities andemergency care reach unreasonable, astronomically high prices. if we kicked big pharma's ass and forced hospitals to be state-funded and not allowed to be privatized for-profit corruption pits, there'd be no motivation to pay for insurance.
originally, i believe, insurance came out as life insurance only - which was a reasonable thing where you paid a small fee, and if you got seriously hurt or died on the job - and thus left your family bereft of any income source, since this was back when it was basically just the men working - it would give them enough to get by on in your absence.
in a communist system, or anything where the taxes everyone pays actually feeds into a viable support network for people who need it, we wouldn't need insurance at all outside of personal, private collections of high-value items, and the transportation or storage of high value items. as it stands in america, everything is so fucked up that it's actually illegal to NOT be paying into a minimum-coverage form of insurance.
bitchybloom /
npub1xl…h2k7w
2024-01-11 05:56:00
in reply to nevent1q…8evh
Author Public Key
npub1xlqrecdgl4ah4a057qywwf0kpnnd67g96lg3z0p7zvks9wlpcusqph2k7wPublished at
2024-01-11 05:56:00Event JSON
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