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Insurer sent $33K to a man struggling with addiction. He used the cash to go on a binge — and died
May 19, 2019, 09:57 PM
YooperSigsInsurer sent $33K to a man struggling with addiction. He used the cash to go on a binge — and died
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
May 19, 2019, 10:11 PM
mr kablammoThe 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.
May 19, 2019, 10:13 PM
Edmondquote:
Originally posted by ZSMICHAEL:
quote:
Looks like his drug addiction problem was solved.
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Innovative way for insurance company to prevent further losses. LOL
Insurance company also saved the tax payers a lot of money in the future.
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May 20, 2019, 03:18 AM
BurtonRWquote:
Originally posted by ZSMICHAEL:
quote:
If you are the insured, why shouldn't you get the money?
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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 May 20, 2019, 06:12 AM
911BossPut 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???
May 20, 2019, 06:38 AM
tgtshuterquote:
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.
May 20, 2019, 06:57 AM
szuppoWhat'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
May 20, 2019, 08:29 AM
a1abdjquote:
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.
May 20, 2019, 08:37 AM
Scurvyquote:
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.
May 20, 2019, 08:45 AM
h2oysWhen 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.
May 20, 2019, 10:09 AM
Skins2881quote:
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 May 20, 2019, 10:16 AM
jhe888Did 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. May 20, 2019, 11:48 AM
RaiseHalHe 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