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It's unfortunate that in some cases people will experience catastrophic illness or injury that they were not prepared for. None of us anticipate that, but we do need to be prepared for it. When you buy insurance, you pay for a certain level of coverage. If you want to be on the safe side, you pay for extra. So some people don't want to spend money on that extra and decide to take the risk instead. This is not unlike the young, healthy uninsured. Neither should be *forced* to buy coveraged but if they take those risks they need to be prepared to cover the losses out of their own resources. It's a choice they make. I agree that the general public should not be made to pay for that. Granted, if I was in those shoes, I might feel differently; we all have strong opinions, based on the perch we're sitting on. But I would understand with my rational mind that *I* got myself into this pickle and nobody else by the choices I make and, when that happens, you just have to suck it up and do what you have to do.
There are too many people who count on taxpayer funds to bail them out when the worst happens because they didn't plan for such contingencies. It's not right because the expense to the rest of the people could prevent them from planning for their own contingencies. In other words, the higher our taxes, the less able we are to pay our own way -- including the extra premium for a catastrophic policy. All that makes us ever more dependent on the government. Not a good thing.
Oh, don't blame the victim! How many of us have read our policies word for word? Do you know what your insurance cap is? Do you have extra ins. to cover that?
Oh, don't blame the victim! How many of us have read our policies word for word? Do you know what your insurance cap is? Do you have extra ins. to cover that?
Katiana, I posted a question to Florida Bob. He said "car accident".
Isn't that covered under your car insurance as opposed to your normal healthcare insurance ?
Katiana, I posted a question to Florida Bob. He said "car accident".
Isn't that covered under your car insurance as opposed to your normal healthcare insurance ?
As florida.bob's relative discovered, it isn't ALL covered by ANY insurance!
It's unfortunate that in some cases people will experience catastrophic illness or injury that they were not prepared for. None of us anticipate that, but we do need to be prepared for it. When you buy insurance, you pay for a certain level of coverage. If you want to be on the safe side, you pay for extra. So some people don't want to spend money on that extra and decide to take the risk instead. This is not unlike the young, healthy uninsured. Neither should be *forced* to buy coveraged but if they take those risks they need to be prepared to cover the losses out of their own resources. It's a choice they make. I agree that the general public should not be made to pay for that. Granted, if I was in those shoes, I might feel differently; we all have strong opinions, based on the perch we're sitting on. But I would understand with my rational mind that *I* got myself into this pickle and nobody else by the choices I make and, when that happens, you just have to suck it up and do what you have to do.
There are too many people who count on taxpayer funds to bail them out when the worst happens because they didn't plan for such contingencies. It's not right because the expense to the rest of the people could prevent them from planning for their own contingencies. In other words, the higher our taxes, the less able we are to pay our own way -- including the extra premium for a catastrophic policy. All that makes us ever more dependent on the government. Not a good thing.
I like your post. I agree that the rational person would acknowledge the pickle they get themselves into by their choices. The Health Care system we have in this country, however, does not have that choice. It must provide the services needed, regardless of what decisions I may have made. If I did not make the choice to be covered for such contingencies does not mean I will not get that care, it only means that you will have to pay for it.
But with car insurance you purchase the amount of coverage you want and that is all you get.
This is very complicated to explain or understand. Usually the agent recommends a certain amount of coverage, based on their experience, whatever. You usually go along with the agent's recommendations, after all, s/he is supposed to be the expert. Do you know how much you're going to need in every situation? Do you know if you have enough coverage for every unforseeable event? Your health insurance will also pick up some, in a co-ordination of benefits. However, both insurances have caps. fb's relative reached the max-out, for all their insurance resources.
It's unfortunate that in some cases people will experience catastrophic illness or injury that they were not prepared for. None of us anticipate that, but we do need to be prepared for it. When you buy insurance, you pay for a certain level of coverage. If you want to be on the safe side, you pay for extra. So some people don't want to spend money on that extra and decide to take the risk instead. This is not unlike the young, healthy uninsured. Neither should be *forced* to buy coveraged but if they take those risks they need to be prepared to cover the losses out of their own resources. It's a choice they make. I agree that the general public should not be made to pay for that. Granted, if I was in those shoes, I might feel differently; we all have strong opinions, based on the perch we're sitting on. But I would understand with my rational mind that *I* got myself into this pickle and nobody else by the choices I make and, when that happens, you just have to suck it up and do what you have to do.
There are too many people who count on taxpayer funds to bail them out when the worst happens because they didn't plan for such contingencies. It's not right because the expense to the rest of the people could prevent them from planning for their own contingencies. In other words, the higher our taxes, the less able we are to pay our own way -- including the extra premium for a catastrophic policy. All that makes us ever more dependent on the government. Not a good thing.
Thanks again for this post. Although I doubt it was intended as such, it is a pretty good argument for Single payer Universal Coverage.
This is very complicated to explain or understand. Usually the agent recommends a certain amount of coverage, based on their experience, whatever. You usually go along with the agent's recommendations, after all, s/he is supposed to be the expert. Do you know how much you're going to need in every situation? Do you know if you have enough coverage for every unforseeable event? Your health insurance will also pick up some, in a co-ordination of benefits. However, both insurances have caps. fb's relative reached the max-out, for all their insurance resources.
Yes I understand that but PIP is something you purchase and for a set amount. Don't buy enough and you take a risk.
I don't know the details behind the post so I won't go making assumptions and will let this just drop. Florida-Bob has gone on to other posts and hasn't replied to mine.
Yes I understand that but PIP is something you purchase and for a set amount. Don't buy enough and you take a risk.
I don't know the details behind the post so I won't go making assumptions and will let this just drop. Florida-Bob has gone on to other posts and hasn't replied to mine.
I don't know all the details either, but fb's relative is now disabled and in need of care, and his/her insurance from whatever source is maxed out. That is the sad part.
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But I would understand with my rational mind that *I* got myself into this pickle and nobody else by the choices I make and, when that happens, you just have to suck it up and do what you have to do.