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Insurer sent $33K to a man struggling with addiction. He used the cash to go on a binge — and died Login/Join 
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I have to wonder if this was not a splurge or binge, but suicide.
And both parties are equally at fault here. He could not rid himself of addiction and the insurance company (especially if they were aware of his addiction) should not have paid him directly.
And I would guess if the insurance company was not required to cover him (pre existing condition = addiction) by ObamaCare, that they would not have issued him a policy at all.


End of Earth: 2 Miles
Upper Peninsula: 4 Miles
 
Posts: 16563 | Location: Marquette MI | Registered: July 08, 2014Reply With QuoteReport This Post
Slayer of Agapanthus


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The dumbfuck died of being a dumbfuck.


"It is only with the heart that one can see rightly; what is essential is invisible to the eye". The Little Prince, Antoine de Saint-Exupery, pilot and author, lost on mission, July 1944, Med Theatre.
 
Posts: 6037 | Location: Central Texas | Registered: September 14, 2003Reply With QuoteReport This Post
I Am The Walrus
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quote:
Originally posted by ZSMICHAEL:
quote:
Looks like his drug addiction problem was solved.

^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
Innovative way for insurance company to prevent further losses. LOL


Insurance company also saved the tax payers a lot of money in the future.


_____________

 
Posts: 13359 | Registered: March 12, 2005Reply With QuoteReport This Post
Striker in waiting
Picture of BurtonRW
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quote:
Originally posted by ZSMICHAEL:
quote:
If you are the insured, why shouldn't you get the money?

^^^^^^^^^^^^^^^^^^^^^
You bet. Next time you are in the ER pony up the cash and we will treat you. You can be reimbursed at a later time by your insurance company. Let's make it the same as bail. They do not take checks, cash only.


That would actually be a much better model and solve 95% (or more) of the things people bitch about who don’t understand the convoluted mess our healthcare delivery system has become.

It’s also the way indemnity coverage is supposed to work.

I don’t have any problem with what the carrier is doing as described in this story.

-Rob




I predict that there will be many suggestions and statements about the law made here, and some of them will be spectacularly wrong. - jhe888

A=A
 
Posts: 16333 | Location: Maryland, AA Co. | Registered: March 16, 2006Reply With QuoteReport This Post
Told cops where to go for over 29 years…
Picture of 911Boss
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Put me in the “It was his problem” camp.

If grown ass adults aren’t responsible enough to receive an insurance payment and pay their provider, maybe they should get declared unfit and have someone handle their finances or simply use an in network provider.

My insurance used to pay the third party, but no longer does so, paying me directly. I’ve yet to go on a drug fueled binge or stiff my provider.

I’ve had at least one of my providers voluntarily be removed from the network due to the complexity and hassle of billing and dealing with insurance.

She saves overhead by doing her own billing and as a result, now charges less for her services.

Just another example of someone looking to find someone else to be liable for their loved ones failure.

What was mom doing about the problem before junior killed himself? Sorry, just trying to cash out on the “tragedy” if you ask me.






What part of "...Shall not be infringed" don't you understand???


 
Posts: 11420 | Location: Western WA state for just a few more years... | Registered: February 17, 2006Reply With QuoteReport This Post
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Picture of tgtshuter
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quote:
Originally posted by 911Boss:
Put me in the “It was his problem” camp.

If grown ass adults aren’t responsible enough to receive an insurance payment and pay their provider, maybe they should get declared unfit and have someone handle their finances or simply use an in network provider.

My insurance used to pay the third party, but no longer does so, paying me directly. I’ve yet to go on a drug fueled binge or stiff my provider.

I’ve had at least one of my providers voluntarily be removed from the network due to the complexity and hassle of billing and dealing with insurance.

She saves overhead by doing her own billing and as a result, now charges less for her services.

Just another example of someone looking to find someone else to be liable for their loved ones failure.

What was mom doing about the problem before junior killed himself? Sorry, just trying to cash out on the “tragedy” if you ask me.


I'm in the same camp.

That article is another example we see of the increasing trend our society has been heading...lack of accepting responsibility, and the resulting consequences, of one's actions.
 
Posts: 711 | Location: SC, USA | Registered: October 09, 2003Reply With QuoteReport This Post
'Murica
Picture of szuppo
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What's wrong with the insurance company sending him the money directly to pay his medical bills? His mother is blaming the insurance company for his death which I find ridiculous. Little Johnny was a drug addict and was going to win the death lottery regardless of any of this. The article is true bullshit and promotes the victim mentality that exists in every facet of our society. It needs to stop.


______________________

Semper Fi
 
Posts: 3240 | Location: Canfield, Ohio | Registered: October 31, 2004Reply With QuoteReport This Post
safe & sound
Picture of a1abdj
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quote:
What's wrong with the insurance company sending him the money directly to pay his medical bills?



Well you see, all of those thousands of employees across multiple departments working with computers that automate the system didn't take the time to get to know this guy personally.

Instead of doing their jobs, getting a claim and paying out on it, they're supposed to act like social workers. Look at his social media, interview those who know him, and run a criminal background check prior to sending him money he's owed under the terms of the policy.


________________________



www.zykansafe.com
 
Posts: 15947 | Location: St. Charles, MO, USA | Registered: September 22, 2003Reply With QuoteReport This Post
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quote:
Originally posted by ZSMICHAEL:
quote:
Must be actual 3rd world since its illegal for hospitals to refuse service to people who cannot pay...

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Yep. Czechoslovakia when it was under Soviet leadership. Her family did not have enough gold to pay the doctor and her mother died. You really never get over something like that.


Dang, that really sucks and I totally understand not getting over that. It's not even a remotely comparable situation however. That would/could never happen in the US.
 
Posts: 3468 | Registered: January 27, 2008Reply With QuoteReport This Post
Gone but Together Again.
Dad & Uncle
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When you buy insurance you have a contract between you and the insurance carrier (IC).

For medical insurance, the IC also has a contract between the in-network provider (doctor/hospital/etc). That contract will stipulate the IC pays the in-network provider and also precludes balance billing, etc.

If you go to an out-of-network provider (OONP) the IC does not have a contract with OONP, and thus pays you, as the policyholder. It is then up to you to pay the OONP.
 
Posts: 3857 | Location: St. Louis, MO | Registered: November 24, 2009Reply With QuoteReport This Post
Ammoholic
Picture of Skins2881
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quote:
Originally posted by szuppo:
What's wrong with the insurance company sending him the money directly to pay his medical bills? His mother is blaming the insurance company for his death which I find ridiculous. Little Johnny was a drug addict and was going to win the death lottery regardless of any of this. The article is true bullshit and promotes the victim mentality that exists in every facet of our society. It needs to stop.


This. If her little boy was such a threat to himself, then she should have set up some kind of power of attorney or conservatorship for him and handled his finances. The insurance company has no duty to investigate each one of it's insureds for their ability to handle their finances.

What utter nonsense. Insurance company had contract followed through with it's duties in contract, that's it.

I do feel bad for the mother, but the blame is pointed in the wrong direction.



Jesse

Sic Semper Tyrannis
 
Posts: 21342 | Location: Loudoun County, Virginia | Registered: December 27, 2014Reply With QuoteReport This Post
Little ray
of sunshine
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Did Blue Cross sent him a pound of coke and heroin, or did he make that choice himself?




The fish is mute, expressionless. The fish doesn't think because the fish knows everything.
 
Posts: 53414 | Location: Texas | Registered: February 10, 2004Reply With QuoteReport This Post
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Picture of RaiseHal
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He was only batting .500; he got the blow but forgot the hooker.


It's a shame that youth is wasted on the young --- Mark Twain

Anyone who is not a liberal by age 20 has no heart; anyone who is not a conservative by age 40 has no brain---Winston Churchill
 
Posts: 4650 | Location: The Free State of Georgia | Registered: August 01, 2004Reply With QuoteReport This Post
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