patrick.net

stfu says

Then government started telling Insurance Companies what they had to cover (and the Insurers loved it because new revenue streams). If car insurance worked like health insurance you'd be paying $400 a month for your policy but it would cover oil changes.

It started with this shitty bill, H.R.7974, that MANDATED employers with more than 25 employees to offer HMOs. Since healthier, younger workers chose the cheaper but more restrictive HMO, it raised the costs for the traditional indemnity plans who were 'stuck' with the middle and senior and health-issue workers without being able to spread it to the lower risk categories.

With time, most employers stopped offering traditional indemnity plans altogether.

It had plenty of Liberal Republican Co-sponsors from the Midwest.

I woinder how many billions of dollars and tragic consequences could be avoided if the ol' Second Opinion was at least partially covered. HMOs led the way in doing away with that, and now we have the infamous FUNNEL

AmericanKulak says

stfu says

Then government started telling Insurance Companies what they had to cover (and the Insurers loved it because new revenue streams). If car insurance worked like health insurance you'd be paying $400 a month for your policy but it would cover oil changes.

It started with this shitty bill that MANDATED employers to offer HMOs. All the younger, childless, healthier workers took the HMO, ruining the old indemnity and catastrophic plans employers used to offer.

I remember those days. Constant propaganda on TV about how both choices (HMO and PPO) were the best thing ever because it gave us a "choice".

https://townhall.com/tipsheet/saraharnold/2025/06/03/ceo-convicted-in-1-billion-medicare-fraud-scheme-n2658135

A federal jury convicted the CEO of Power Mobility Doctor Rx, LLC, of deliberately exploiting the federal health care system by focusing on self-serving financial gain over the medical needs of patients.

Gary Cox for his role in operating a platform that generated false doctors’ orders to defraud Medicare and other federal health care benefit programs of more than $1 billion. According to court documents, Cox, along with his co-conspirators, exploited hundreds of thousands of Medicare beneficiaries by misleading them into accepting unnecessary medical items like orthotic braces and pain creams. They used an online platform, DMERx, to generate fake doctors’ orders and facilitate illegal kickbacks and bribes between telemedicine providers, pharmacies, and marketers. In return, Cox and his team profited by coordinating these fraudulent transactions and selling the bogus orders.