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Penny Arcade - Comic - Gallstate
Dog
Registered User, Administrator, Vanilla Staff admin
Registered User, Administrator, Vanilla Staff admin
Penny Arcade - Comic - Gallstate
Videogaming-related online strip by Mike Krahulik and Jerry Holkins. Includes news and commentary.
+9
Posts
https://www.penny-arcade.com/comic/2004/08/11/the-other-side
Yes, we definitely cover occupational therapy!
Oh, you mean because you have a different kind of brain and you need occupational therapy, not because you hurt your arm?
lol no
Twitch: KoopahTroopah - Steam: Koopah
"Like a good neighbor state farm will deny your claim and drop you..."
pleasepaypreacher.net
I just know literally every insurance company I've ever paid money to, made way more money on me than I ever got back in whatever minimal claim I filed. And I've had surgeries.
pleasepaypreacher.net
That and the time I was in the ER and they took my insurance information before I got treatment. Nothing makes you sing god bless america while you're going into shock from pain like that.
pleasepaypreacher.net
pleasepaypreacher.net
Medical insurance is a whole other kettle of rotten, stinking fish.
I don't remember any witty lines, just that once the concept of fire insurance was introduced to the deeply venal people of Ankh-Morpork, they started setting fire to the city immediately.
Yes. At exorbitant prices.
This is what a lot of contractors (who can't be on their spouse's insurance) do.
You SURE can, at 3 times the cost or MORE! Yay! And given that those benefits are like 10-20% of your paycheck, thats saying something
Statistically speaking, it goes that way for far more people than it doesn't. Insurance companies are for profit corporations. They don't make a profit if they are paying out more in claims than they care collecting in premiums. So, it's great that it is working out for you. You are the winner of the lottery that we are all required to pay into.
And honestly, I'm happy to be healthy and pay to help out people who weren't as lucky. That's the kind of society I want. But what I don't want is this layer stuck between that arrangement, which tries to wring every dollar out for themselves, by means I taking the money but then not actually providing anything with it.
Yes, in my ideal world, insurance would be strictly non-profit organizations who exist solely as caretakers of aggregate trust funds created via payed premiums.
For health expenses, the "ideal world" situation isn't that for-profit insurance companies still collect premiums and do their best to avoid paying claims, just with the government paying premiums instead of users...because that solution is still enriching for-profit insurance companies at the expense of public health. The ideal situation is to eliminate health insurance altogether and have the health expenses paid for publicly, with doctors considered public employees or at least contractors.
But back to the catastrophic insurance stuff....as a principle it makes sense that those who are currently not having catastrophes pay small amount into a shared pool that is drawn on by those undergoing catastrophes, so that no one is on the hook for massive costs all at once. The problem is (1) the existence of that shared pool means more money in general is available to pay these expenses. Anything that is insured can charge absurd amounts for the service because the money is there, whereas without insurance there's going to be some need for vendors to keep costs low so that people can actually afford it. And (2) the pool being managed by a for-profit company means an inherently adversarial relationship between consumer and company. If a seller is providing a good or service, one could at least have the illusion that both parties are walking away happy: I want the good or service more than I want the money, and the seller wants the money. So we could exchange in kind and both come out on top. But when money is the only thing changing hands, there is always a loser. Either the insured gets paid out more than they paid in and wins, or the insurer gets paid in more than they pay out. So the only way an insurance company can possibly make money is to make as many customers as possible "lose out" on the deal. Which is why the gambling comparison is so apt. It's just even worse than the slot machines, because for the insured, "winning" means having something horrible happen to you so you actually have a chance of recouping your premium.
"Sorry you got hit by a car, but you do live in an area with fuck whited drivers so we won't pay out, better luck next time."
pleasepaypreacher.net
I love it but also I thought
"Don't worry, it's already gone."
Have you thought that through, that 'winner' thing?
It's literally a specialised truck shop IMO
I deal with "insurers" on a daily basis. Allstate is in my top 3 most hated.