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Guest Post: About Your $3.16 A Day Healthcare Insurance Plan...

Tyler Durden's picture


Submitted by Charles Hugh-Smith of OfTwoMinds blog,

About your "affordable" healthcare coverage...better read the fine print.


I recently received the good news via an advert that I can buy healthcare insurance for as little as $3.16 a day. Wow, that's only $95 a month. Since my wife and I are paying $1,136 a month for stripped-down, minimal coverage with one of the nation's non-profit care providers, imagine my delight at this revelation.
I know from friends that biopsies can cost $70,000 (each, of course) and a few days in the hospital (no, not intensive care) can easily cost $120,000, so the news that I can have access to all this wonderfully, insanely costly medical care for less than $100 a month is almost too good to be true. Wow, this Affordable Care Act (ACA) a.k.a. Obamacare is already working!
The advert doesn't provide any details on restrictions and exclusions, so I have taken the liberty of providing some typical fine print:

Thank you for your interest in MirageCare, our low-cost healthcare plan.This low-cost plan is only available to those meeting these qualifications. You must:

1. Be between the ages of 22 and 24
2. Have a BMI (body mass index) of 22 or lower
3. Be a celibate non-smoker, non-drinker, non-driver
4. Be able to pass the Armed Forces Fitness Exam
5. Have no pre-existing health conditions

Examples of pre-existing conditions include:

1. Coughing. If you have coughed for any reason in the past five years, you are precluded from coverage, as you obviously have a pre-existing lung condition.
2. Racing heart. If your heart has ever raced for any reason other than vigorous exercise, coverage is not available to you.
3. If you have exercised vigorously, you are excluded from coverage because you've obviously already worn out your heart, knees, hips, etc.
4. Felt discouraged or blue. Pre-existing psychiatric conditions preclude coverage.
5. Experienced pain. Regardless of the nature of the pain, the causes are all pre-existing conditions. Coverage denied.

Restrictions: MirageCare has a number of restrictions on what treatments and conditions are covered.

1. Injuries resulting from accidents are not covered. Check your workers compensation coverage if you are employed; if you are unemployed, you qualify for Medicaid.
2. Any treatment provided by a hospital that could have been performed at a clinic across the border for $50 is excluded.
3. Emergency care that could have been avoided with common-sense measures are excluded. For example, if you suffer a heart attack that could have been avoided by jogging two hours a day and avoiding jelly doughnuts, emergency care is excluded.

Co-payments: All treatment requires a co-payment. The co-pay schedule is as follows:

1. For all care that costs us less than $100, the co-pay is $100.
2. We pay 80% of the cost of care that we ascertain is fair and reasonable. You pay 20% of all costs and everything above and beyond what we ascertain is fair and reasonable.
For example, if your MRI and other tests cost $10,000, we pay 80% what we ascertain is fair and reasonable, i.e. $1,000. In this case, we pay $800 and you pay $9,200--unless we ascertain the tests are related to your pre-existing conditions, in which case our share is $0.
3. You must pay the full cost of treatment and we will reimburse you in 6 to 9 months if we cannot find any exclusions or restrictions. We may also withhold payment for other reasons; please review pages 316 - 1,761 of the Affordable Care Act (ACA) for details.

Preventative care is free: Preventative care is defined as visiting our website where you can read all the guidelines for healthy living that you already know but ignore because they're bothersome.

Alternative plans: if you do not qualify for MirageCare, we have other plans starting at only $31.60 per day, per person--less than $4,000 for a family of four. We are proud to offer plans that qualify for $2,000 annual subsidies from the Federal government under ObamaCare. This drops the cost of your family plan from $46,000 a year to only $44,000--a real bargain in today's healthcare.

Restrictions apply, of course, because we're running a business here, Bucko.


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Thu, 02/21/2013 - 12:17 | 3263554 somethingisrotten
somethingisrotten's picture


Thu, 02/21/2013 - 13:03 | 3263736 NotApplicable
NotApplicable's picture

Death, coming soon to a soul near you.

Thu, 02/21/2013 - 14:12 | 3264033 Half_A_Billion_...
Half_A_Billion_Hollow_Points's picture

"Hurry up and die"

Thu, 02/21/2013 - 14:35 | 3264114 XRAYD
XRAYD's picture

"Mirage"care.  It is obviously a joke!

Thu, 02/21/2013 - 15:42 | 3264349 DaveyJones
DaveyJones's picture

does a "racing heart" include increased pulse due to anger, frustration or disbelief? 

I'd say fuck but it might increase my ... oh shit, I fell for it

Thu, 02/21/2013 - 18:40 | 3265071 Hobbleknee
Hobbleknee's picture

Only terrorists feel anger.  Prepare to be droned.

Thu, 02/21/2013 - 12:16 | 3263555 somethingisrotten
somethingisrotten's picture

Can we volunter every member of Obama's cabinet for this coverage?

I'm sure Kluckman will be the first to join.

Thu, 02/21/2013 - 12:16 | 3263557 francis_sawyer
francis_sawyer's picture

American citizen: Do you expect me to talk?

Uncle [Remus] Sam: No Mr Citizen ~ I expect you to die!

Thu, 02/21/2013 - 13:52 | 3263959 knukles
knukles's picture

Kudos for the Gold-Bond reference

Everybody can afford "health care". 
Just so happens "health care" is Not A Defined Term.


See this whole fucking thing has absolutely nothing do do with health care.
It has everything to do with Health Insurance.

The Topic of Health Care Has Yet to be Addressed

Thu, 02/21/2013 - 15:00 | 3264185 secret_sam
secret_sam's picture

       The Topic of Health Care Has Yet to be Addressed

Yeah.  It makes me wonder what all the fuss is about.  Who really thinks the world is going to be appreciably DIFFERENT in 2015 regarding health-care?  If you already have health-insurance, it's going to continue to suck, and if you don't WANT health-insurance, don't buy it.  A $600 tax penalty is probably cheaper than 2 months' premiums. 

Thu, 02/21/2013 - 15:46 | 3264366 DaveyJones
DaveyJones's picture

control of words is almost as good as control of money. Either get you around the law

but sweetheart, it's called the patriot act. Now let them in the house

Thu, 02/21/2013 - 12:18 | 3263563 azzhatter
azzhatter's picture

Sounds like the plan I already have

Thu, 02/21/2013 - 15:35 | 3264325 graneros
graneros's picture

Sounds better than mine!  Where do I sign.

Thu, 02/21/2013 - 12:18 | 3263570 moonstears
moonstears's picture

Funny chit!

Thu, 02/21/2013 - 12:21 | 3263580 kaiserhoff
kaiserhoff's picture

When Obummercare kicks in next year, there will be Hell to Pay.

Thu, 02/21/2013 - 12:26 | 3263592 RSBriggs
RSBriggs's picture

Especially since coverage is expected to cost between $50 and $60 per day...  The good news is, the first year penalty for not buying coverage is $90 for the year.  It goes up from there, however...

Thu, 02/21/2013 - 12:35 | 3263626 Ignatius
Ignatius's picture

Weee, we're all gonna have health care!

How 'bout mandating that every American have a BMW?  Yes, you'll all have one 'cause we'll make it mandatory for eveyone to purchase one!!!  God, this legistlating shit is easy.

Anti-constitutional cunts making us buy private company products, fuck 'em.

Thu, 02/21/2013 - 12:39 | 3263638 McMolotov
McMolotov's picture

"But you have to buy car insurance. Same thing." —Statists

Thu, 02/21/2013 - 12:50 | 3263675 kaiserhoff
kaiserhoff's picture

Unless you are an illegal alien.

Then you have John Wayne insurance.  You don't have to take no shit off nobody.

Thu, 02/21/2013 - 13:00 | 3263729 DosZap
DosZap's picture

"But you have to buy car insurance. Same thing." —Statists

Wana bet?, here in Tejas immigrants ,illegals drive w/out licenses, and poor folks do to.

So what if they smash your ass?.

They HAVE NOTHING to lose.

So WHY Stop?.There are two distinct classes of folks that can ignore the laws basicaly, likely Democratic voters, and the Elite, the rest of us are screwed.

Thu, 02/21/2013 - 13:16 | 3263805 CH1
CH1's picture

Yeah, let's hurt all those brown guys! They're the cause of all our problems!!


Thu, 02/21/2013 - 16:27 | 3264613 CH1
CH1's picture

Sure hope the dingers realized this was sarcasm. Could you really miss it?

Thu, 02/21/2013 - 13:55 | 3263966 lincolnsteffens
lincolnsteffens's picture

I don't know about that. If you do not register your "automobile" (legally different from a motor vehicle) and do

not have a driver's license ( a legal contract ) you technically do not have to comply with any regulations not

required by law. As a private citizen driving an automobile you have a right to use a public way for non commercial purposes. If you have a sovereign right to travel ( life, LIBERTY and the pursuit of happiness) no one has the authority to limit or control that right except you by agreement. Signing a driver's license application is the act of signing a legal contract between you and the ones that have authority to enforce the contract. Registering your "automobile" is the act of signing a legal contract binding you to be regulated. Without those contracts, under Constitutional law no one has the legal right to diminish your natural right to travel as a free person. When you register your "automobile" and or get a driver's license you are agreeing to be regulated by "Motor Vehicle" statutes applicable to all commercial "Motor Vehicles".

You just have to be willing to accept the fall out which will entail at least verbally defending your rights or being forced to do it by understanding and pleading your rights before a judge that has "legal jurisdiction" to make a finding. If you are not willing to defend your common law rights as outlined in the Constitution of the United States of America you have in effect given them up to be ruled by someone else.

Just started to educate myself as to my rights that government run public schools omitted from my education.
Hmmmmm, I wonder why that is? 

Comments will be much appreciated especially if they are illuminating.

Thu, 02/21/2013 - 15:04 | 3264193 secret_sam
secret_sam's picture

       As a private citizen driving an automobile you have a right to use a public way for non commercial purposes.

No, you don't.  There's no "right to use a public way for non-commercial purposes."

Given the public roadways are paid for at least partly with tax-money, you're not going to win any legal argument that the cops can't prevent you from driving without a license or registration.

Thu, 02/21/2013 - 16:25 | 3264606 CH1
CH1's picture

Fuck the state and it's self-serving edicts.

Thu, 02/21/2013 - 17:41 | 3264888 secret_sam
secret_sam's picture

Word.  Fuck da poleece, nigga!

Thu, 02/21/2013 - 20:31 | 3265397 Boxed Merlot
Boxed Merlot's picture

Recent interview with Schiff had a pretty good exchange regarding his father having been successfully "prosecuted" and serivng time at ~80 years old.  He said 4 of 9 justices agreed with his reasoning but that meant the final ruling did not go his way.


The kicker comment though was "does that mean the 4 justices were wrong?"



Thu, 02/21/2013 - 13:06 | 3263765 hapless
hapless's picture

Even if I don't own a car??

Thu, 02/21/2013 - 13:55 | 3263969 knukles
knukles's picture



Thu, 02/21/2013 - 13:50 | 3263943 Dixie Rect
Dixie Rect's picture

"don't worry Scrote!" --Dr. Lexus

Thu, 02/21/2013 - 14:19 | 3264062 Midas
Midas's picture

Lots of 'tards are living really kick-ass lives...

Thu, 02/21/2013 - 12:24 | 3263589 darteaus
darteaus's picture

Just sign up for the Army and you get free food too!

Thu, 02/21/2013 - 12:28 | 3263607 kaiserhoff
kaiserhoff's picture

Or rob a bank, and get your teeth fixed free in prison.

There are fuckers who think like that.

Thu, 02/21/2013 - 12:56 | 3263702 darteaus
darteaus's picture

And a heart transplant or a sex change too!

Thu, 02/21/2013 - 13:38 | 3263883 Bicycle Repairman
Bicycle Repairman's picture

You'll get free vaccines as well.  Lots of them.

Thu, 02/21/2013 - 12:25 | 3263590 847328_3527
847328_3527's picture

No doctors accept Medicaid anymore. Some it doesn't matter how 'cheap' or how 'free' it is.


I guess you can say, "Medicaid (and Medicare) have priced themselves out of the market.

Thu, 02/21/2013 - 12:36 | 3263625 Cursive
Cursive's picture


Soon, it will be a requirement that any and all practices accept Medicaid/Medicare and the risk of non-compliance will be that every offending practitioner would lose his/her medical license.  Retirement?  No.  No retirement for our doctor friends.  They will be forced into working as a "public good/utility" to cover the doctor shortage.  Good day, comrade 847328_3527!

Thu, 02/21/2013 - 12:41 | 3263646 McMolotov
McMolotov's picture

In ye olden days, we called this shit slavery. Now it's "for the common good" as we're all assimilated into the collective.

Resistance is futile.

Thu, 02/21/2013 - 12:50 | 3263673 pods
pods's picture

I have been a slave for my entire working life.

1.  The amount of MY labor which I am able to keep is determined by someone else.  (Income tax)

2.  The unit in which my labor is valued (gold clause contracts notwithstanding) is determined by someone else.


Thu, 02/21/2013 - 15:52 | 3264396 DaveyJones
DaveyJones's picture

The Jedi's will save you

just lose the black outfit

Thu, 02/21/2013 - 13:57 | 3263974 WarHorse
WarHorse's picture

and I'm sure the declining pay Doctor's receive will attract the "best and brightest" ... I can see it already ... 10 yrs from now ... should I become a doctor or barista @ Starbuck's ... the pay is slightly better for Doctors but there's all that blood ... tough choice 

Thu, 02/21/2013 - 15:59 | 3264417 DaveyJones
DaveyJones's picture

not saying that all US doctors put my health before their wealth but I'd rather pay them (or chose amongst them)than some drug or insurance executive who, with a corrupt government, is taking over the market....

This industry has gone to hell as well and like every other new US version, the new "health care" progarm is more corrupt and unproductive than any other first world version.     

Thu, 02/21/2013 - 12:27 | 3263596 derek_vineyard
derek_vineyard's picture

ive read much of obamacare and its not too far from the truth.  if you make sub 10K modified adjusted gross income, obamacare might be for you....but then isn't the current going to emegency room for everything preferable?

Thu, 02/21/2013 - 12:28 | 3263602 apberusdisvet
apberusdisvet's picture

He forgot to add that if you are an illegal immigrant, there are no restrictions.  In fact if you are also an Obama bundler the government will pay you to lounge on the sand with a Mai Tai next to Corzine.

Thu, 02/21/2013 - 12:29 | 3263608 Dr. Engali
Dr. Engali's picture

Damn I had a physical yesterday and the Dr. made me turn my head and cough so I'm out. 

Thu, 02/21/2013 - 12:34 | 3263622 Idiot Trader
Idiot Trader's picture

A typical ER visit is from someone in the 22-24yo age range who has had vomiting for the last 2-4hrs since they ate some bad fast food.

No ride to the hospital, so call EMS or the ambulance ($600-800/ride).

Smoke 1-2packs/day (easily $3.16/day and the worst thing you can do for your health), nice clothes and of course, an iPhone with a data plan they are texting on when the doctor visists.

Maybe tattoos, a couple kids, a gold tooth, etc.

The medical problem in this country is not a medical delivery problem (although I will not argue that treatments are expensive--mostly to overcome low government reimbursements and the non-payers), but a cultural problem.

People have no sense of personal responsibility or financial accontability, so why not call an ambulance they will never pay for, or go to one of the most expensive entry points into the health system--the ER who cannot refuse care.  Most of these visits end up being expensive requiring labs and CT scans to rule out other diseases.  Too many primary care docs are too full or don't want to take Medicaid as the reimbursements are too low, so it ends up costing the taxpayer more in the above scenario.

What I can't understand, is why so many of these people aren't investigated for Medicaid/Care fraud much like physicians.  There is no penalty for these people who smoke, have iPhones/HDTV's and abuse the healthcare system.  That is one of the biggest problems.

Thu, 02/21/2013 - 12:59 | 3263720 maskone909
maskone909's picture

i wouldnt beat up too bad on the poor bastard who who has 2 kids and chain smokes. going to the er is prob his only option. having food poisoning can be consideredlife threatening btw as you can die from an electrolyte imbalance pretty quickly. didnt you ever play oregon trail lol? the corruption all comes from the topn e ways

Thu, 02/21/2013 - 12:34 | 3263623 Clowns on Acid
Clowns on Acid's picture

Imagine if Nancy Pelosi had this coverage. She could only afford a apprentice butcher for her next face lift.

Thu, 02/21/2013 - 13:59 | 3263985 knukles
knukles's picture

I just can't bring myself to say it.

Thu, 02/21/2013 - 15:18 | 3264244 Winston Churchill
Winston Churchill's picture

I will.

If Nancy has another facelift,hers mons will be a new double chin on her face.

Thu, 02/21/2013 - 16:44 | 3264687 OpenThePodBayDoorHAL
OpenThePodBayDoorHAL's picture

Points for using the word "mons". Always gave me a chubby when I was a teen.

Guess it would mean Nancy would have a curly little beard (sorry for the visual, lol)

Thu, 02/21/2013 - 12:35 | 3263627 daxtonbrown
daxtonbrown's picture

How does Obamacare not eventually require IRS Gulags once unpaid mandate "taxes" reach $100 billion?

Thu, 02/21/2013 - 14:27 | 3264087 DaveA
DaveA's picture

The ACA explicitly states that if you pay your regular income tax but refuse to pay the penalty, the IRS can do absolutely nothing except withhold your refund, if any.

The point of Obamacare is to burden corporations while letting individuals (a.k.a. voters) off the hook. People will certainly suffer indirect effects of the ACA, but this can and will be blamed on greedy corporations and uncooperative Republicans.

Thu, 02/21/2013 - 12:37 | 3263633 schatzi
schatzi's picture

"Coughing. If you have coughed for any reason in the past five years, you are precluded from coverage, as you obviously have a pre-existing lung condition."


LOL what? Seriously, what... the... fuck.... Is there anybody that would even theoretically qualify?

Thu, 02/21/2013 - 12:46 | 3263658 Mi Naem
Mi Naem's picture

Why, Yes!  Do you mean to say that you have actually coughed in the last 5 years?!? 

That's disgusting! 

But after all, this is "MirageCare, our low-cost healthcare plan". 

And now, back to Rick Danger - Third Eye!

Thu, 02/21/2013 - 14:00 | 3263990 knukles
knukles's picture


The dumb fuck who signed up for this scam.

Thu, 02/21/2013 - 14:01 | 3263996 Vlad Tepid
Vlad Tepid's picture

You get that it was a sarcastic joke post, right? No, you missed that.

Thu, 02/21/2013 - 19:03 | 3265122 toady
toady's picture

At least it was sarcastic right from the start, so I didn't need to read it.

I was hoping to find some real info in the comments, but no luck.

The search for some real info on this ACA crap continues. I really need to figure out how to make this shit work.

Thu, 02/21/2013 - 12:45 | 3263656 Spastica Rex
Spastica Rex's picture

It's almost as if the real beneficiaries of Obamcare are the insurance companies. They didn't have anything to do with crafting the legislation, or assisting in its passage, did they? That would just be wrong.

Thu, 02/21/2013 - 13:46 | 3263925 SilverTech
SilverTech's picture

Well, the good news for those without health insurance is:

1. You won't be posioned by pharmaceuticals like statin drugs, or antipsychotics.

2. Your kids won't be autistic, suffer from autoimmune diseases, or commit suicide.

'Drug companies are not here to bring health to the population but to scam them on one level for vast amounts of money, by treating the symptoms and not addressing the cause.'

-Sir William Ossler, MD (1849-1919)

Thu, 02/21/2013 - 15:09 | 3264214 secret_sam
secret_sam's picture

    Your kids won't be autistic, suffer from autoimmune diseases, or commit suicide.

This is really stupid.  If you think the world is so much better without healthcare, it's easy enough to opt-out.  I personally know examples of all three things you've mentioned that afflicted people with virtually ZERO exposure to the medical industry.

Thu, 02/21/2013 - 18:32 | 3265044 DaveyJones
DaveyJones's picture

I have a hard time believing any Chicago politician is a big boss whore

Thu, 02/21/2013 - 12:49 | 3263667 NoWayJose
NoWayJose's picture

Don't chuckle too much.  It's pretty easy to see where ObamaCare is going.  They want a single plan where they control all these specific things.  And that plan could easily be made to fold in both Medicare and Medicaid.  The next step beyond that is that the 'poor' will pay little or nothing for coverage, and a varying scale will apply as your income increases.  The road to the single payer dream is alive.

Thu, 02/21/2013 - 13:42 | 3263906 Bicycle Repairman
Bicycle Repairman's picture

Going?  It's already there.  Obamacare is just another "progressive" tax scam.  A big one.

Thu, 02/21/2013 - 14:14 | 3264039 Parabox
Parabox's picture

Premium subsidies through the exchange are already on a "progressive" scale:

But it's not just premiums that get subsidized, through "Cost Sharing Reductions" the out-of-pocket costs are also put on a "progressive" scale.

Thu, 02/21/2013 - 12:54 | 3263690 whotookmyalias
whotookmyalias's picture

My health care plan is to go across the border to Tijuana once prices get too high in the US.  Then I don't have to be subject to all the fine print.

Thu, 02/21/2013 - 12:54 | 3263692 lunaticfringe
lunaticfringe's picture

Obamacare is simply the forced recapture and seizure of all of the healthy people and their money who have dropped out of medical insurance plans during the last five years. As the health care industries' costs spiralled out of control- claims for unhealthy people- the healthy simply opted out.

We used to call that freedom. We used to have...freedom.

Now we have government seizure of our assets. Insurance is happy because they get another monopoly and another opportunity to hike rates on us ad infinitum. Here's a great piece on Obamacare.

Thu, 02/21/2013 - 13:02 | 3263739 surfsup
surfsup's picture

Cost Shifting  =  'bomba care

Thu, 02/21/2013 - 13:03 | 3263749 Overflow-admin
Overflow-admin's picture

MirageCare... is just what is stated... a mirage!

Thu, 02/21/2013 - 13:08 | 3263771 sbenard
sbenard's picture

Why even bother spending the money to advertise such a plan, since no on qualifies anyway!

Thu, 02/21/2013 - 13:29 | 3263854 Smuckers
Smuckers's picture

Apparently, you're also disqualified if you've ever eaten horsemeat.


Thu, 02/21/2013 - 13:40 | 3263889 EndTheMedia
EndTheMedia's picture

I say fuck health insurance.

If I have to go to the hospital and end up racking up a $200,000 dollar bill they can kiss my ass I will never pay it. I own my own home so have no need for credit anyway.

Hmm.. maybe insurance companies knew eventually people would start doing this. Good thing they pushed through Obama care so they can fine the shit out of us for not buying their shit product. … Isn’t fascism great!

Thu, 02/21/2013 - 13:50 | 3263948 SilverTech
SilverTech's picture

I wonder if the next step is:

If you don't have health insurance, no treatment. I think that's where this is going.

I don't really want insurance for most things, like cancer, heart disease, etc. The treatments are worse than the disease. But if I get run down while walking across the street, I would like to be treated in a hospital. They're good at handling trauma cases.

Thu, 02/21/2013 - 13:55 | 3263968 EndTheMedia
EndTheMedia's picture

I agree 90% of disease can be solved with a healthy diet and herbs.

If you break a leg or are in a car accident you definitely want modern medical treatment. They want you bought in to the whole system, half dead, overweight, hooked on overpriced deadly medicine and spending half your income on health insurance.

Thu, 02/21/2013 - 14:07 | 3264017 Vuke
Vuke's picture

Agreed.  Add some vitamins, minerals and exercise and it's more like 95 to 98%.  It does require a bit of thought though so 50% of the population won't even begin.

Thu, 02/21/2013 - 14:27 | 3264092 slightlyskeptical
slightlyskeptical's picture

If you don't pay your bill and have assets they will take them.  So basically you are risking your house by not buying health insurance.  if you make less than $50k or so,l then the governemnt will end up refunding most of the ecost anyways.

Thu, 02/21/2013 - 13:45 | 3263922 Bicycle Repairman
Bicycle Repairman's picture

BTW.  Obamacare looks like it was plagiarized from Romneycare.  Almost word for word.

And to think the GOP nominated Romney for president. 

You know if only Romney appealed to America's diversity (aka America's strength) he'd have won.


Thu, 02/21/2013 - 14:00 | 3263995 rsnoble
rsnoble's picture

Fuck these morons. Insurance companies need to be done away with period.

Thu, 02/21/2013 - 14:06 | 3264013 Walt D.
Walt D.'s picture

Obamasburg Address:

"that this nation, under ( God ) Big Government, shall have a new birth of ( freedom ) slavery—and that government of the people, by the Insurance Companies and Pharmaceuticals, for the Insurance Companies and Pharmaceuticals, shall not perish from the earth."

Thu, 02/21/2013 - 14:14 | 3264040 Rusty Diggins
Rusty Diggins's picture

Rusty spends two weeks in the ICU at the national heart institute in Kuala Lumpur chasing chest pains, every test conceivable up to an angiogram.  Total bill $15k, best care I've ever received.  Cardio in ABQ tells me the same performed in US would have been north of $150k.  Malaysia has pirates too, right?

Thu, 02/21/2013 - 14:18 | 3264059 flacorps
flacorps's picture

After seeing this article I'm looking for a sanity check on a potential new business model.

I know there are people out there who make a business of flyspecking hospital bills, and several years back I successfully used a technique called Accord and Satisfaction on a helicopter ambulance bill (basically send a check that reads "in full and final settlement" and wait 90 days, after which the creditors lawsuit arguably would fail):

I don't think any of the flyspeckers use accord and satisfaction checks. They try to negotiate first.

Suppose their client sends the check, waits out the accord & satisfaction 90 days and *only then* negotiates--potentially not sending any more money whatsoever. I'm thinking that would be an availing business model versus how they're doing it now.

As an attorney, I could roll this out as a service to uninsured people with big hospital bills. We take a fixed percentage of what we save the client versus the ridiculous amount billed.

Thu, 02/21/2013 - 16:13 | 3264533 secret_sam
secret_sam's picture

      As an attorney, I could roll this out as a service to uninsured people with big hospital bills.

I guess you're not seeing the MASSIVE flaw with your idea.  Here's a hint: it sounds like it'll be as successful as my luxury salon services for the homeless.

Thu, 02/21/2013 - 15:19 | 3264238 ebworthen
ebworthen's picture

I've heard that a standard policy premium for an average person will be about $400 a month. 

Most Americans just can't afford that, and will not sign up and will pay the penalty to IRS vultures (if they have it).

American health"care" is going to collapse; no two ways about it.  People will die or go crazy sure, but the leveraged corporate-care itself will collapse. 

The problem is not quality but cost. 

Way too damn much money. 

Every parasite in society - from corporate middlemen to lawyers to suppliers to big pharma to government - have gotten in on this scam we call "healthcare" and it has nowhere to go but collapse.

Thu, 02/21/2013 - 20:17 | 3265348 dolph9
dolph9's picture

Health insurance is fundamentally a flawed industry, because on a long enough timeframe, everyone will make a claim, and a very big one at that.

By definition, health insurance companies are bankrupt without government subsidy.

The whole fucker is coming down.

Thu, 02/21/2013 - 20:31 | 3265400 Savvy
Savvy's picture

What's really pathetic is, with the current US health care system, I find this almost believable. With Obamacare, it will happen.

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