News
Welcome to the News community!
Rules:
1. Be civil
Attack the argument, not the person. No racism/sexism/bigotry. Good faith argumentation only. This includes accusing another user of being a bot or paid actor. Trolling is uncivil and is grounds for removal and/or a community ban. Do not respond to rule-breaking content; report it and move on.
2. All posts should contain a source (url) that is as reliable and unbiased as possible and must only contain one link.
Obvious biased sources will be removed at the mods’ discretion. Supporting links can be added in comments or posted separately but not to the post body. Sources may be checked for reliability using Wikipedia, MBFC, AdFontes, GroundNews, etc.
3. No bots, spam or self-promotion.
Only approved bots, which follow the guidelines for bots set by the instance, are allowed.
4. Post titles should be the same as the article used as source. Clickbait titles may be removed.
Posts which titles don’t match the source may be removed. If the site changed their headline, we may ask you to update the post title. Clickbait titles use hyperbolic language and do not accurately describe the article content. When necessary, post titles may be edited, clearly marked with [brackets], but may never be used to editorialize or comment on the content.
5. Only recent news is allowed.
Posts must be news from the most recent 30 days.
6. All posts must be news articles.
No opinion pieces, Listicles, editorials, videos, blogs, press releases, or celebrity gossip will be allowed. All posts will be judged on a case-by-case basis. Mods may use discretion to pre-approve videos or press releases from highly credible sources that provide unique, newsworthy content not available or possible in another format.
7. No duplicate posts.
If an article has already been posted, it will be removed. Different articles reporting on the same subject are permitted. If the post that matches your post is very old, we refer you to rule 5.
8. Misinformation is prohibited.
Misinformation / propaganda is strictly prohibited. Any comment or post containing or linking to misinformation will be removed. If you feel that your post has been removed in error, credible sources must be provided.
9. No link shorteners or news aggregators.
All posts must link to original article sources. You may include archival links in the post description. News aggregators such as Yahoo, Google, Hacker News, etc. should be avoided in favor of the original source link. Newswire services such as AP, Reuters, or AFP, are frequently republished and may be shared from other credible sources.
10. Don't copy entire article in your post body
For copyright reasons, you are not allowed to copy an entire article into your post body. This is an instance wide rule, that is strictly enforced in this community.
view the rest of the comments
Which one are you?
EDIT: This was a sincere question, and no judgements of any kind were intended.
Does it matter?
A fat doctor smoking a cigarettes is still right when he tells you to lose weight and quit smoking
But for the record I make about 50-60k a year and have high deductible insurance. I could potentially make substantially more but I don’t because I have a large number of sliding scale slots to subsidize the care of people who have financial need, at my expense, because the system is bullshit
I have colleagues who do not do this and work the same amount of hours as me and easily clear 70-80k thanks to a combination of no sliding scale and much more draconian no show penalties assuring they always get paid even when someone doesn’t attend (some charge as much as $100 for missed appointments)
Some colleagues curate the insurance panels they’re on so they maximize payment amounts. Some eschew insurance altogether and only take out of pocket payments, usually far more than what any insurance would pay (over $150 an hour). These tend to make over six figures
But even if I was in the latter categories that wouldn’t change that it was correct (although it would make a hypocrite tbf ig). Insurance is a collectivist concept for the greater good and cannot work without someone subsidizing someone else, typically the young subsidizing the old. The only way you escape the need is being healthy forever (unlikely) or being obscenely wealthy (far more unlikely)
No judgements whatsoever, I was just curious. And TBH your situation is very interesting and illustrative of the problem, whilst also being clearly awful and kind of confusing. I would bet any non-americas reading it would be completely lost. I actually had to explain our insurance system to a new co-worker in India because I suddenly work in the fucking insurance industry due to a recent merger. I pulled zero punches, and fully let loose with how completely bonkers this system is. The dude is super cool though. We do have the high-deductible options, but I just could not math those out to make any sense whatsoever.
Often the high deductible options do financially make sense if you are in a place where spending the deductible each year isn’t a burden. They can even be advantageous if you are healthy; in that scenario they are essentially “hedging your bets”. You can save a substantial amount over a ppo if your utilization is low and typically if you just spend to the deductible the cost is about the same.
It’s the coinsurance afterward that can be a killer, especially if you have a chronic illness that requires a lot of expensive stuff. A PPO caps everything at a copay amount (which, tbf, can sometimes be quite high), but coinsurance can be 10-30% sometimes (maybe higher but that’s the highest I’ve seen). And if you have cancer, or some other nasty thing that requires expensive scans, medications, bloodwork, etc, paying 10-30% of the bill is still a shitload of cash. Thankfully there’s still an out of pocket max but that’s often quite high
And tbh I took your statement as judgey. I’m glad it wasn’t, thanks for clarifying. But that’s one of the issues with such a system. My colleagues who don’t do what I do are absolutely judged. But at the same time I do not judge them (usually, lol). This is not a sustainable setup. It is not sustainable to ask individual practitioners to take on the financial burden. It harms the relationship between practitioner and client, it’s destructive and can breed resentment. It results in quality of life issues for practitioners like wildly unpredictable pay. I could go on.
Ideally we would just be paid an actual salary, an actual living wage, with benefits, to work with a set number of clients, but with the current system this is functionally impossible. If we had a single payer system this would be easily feasible, all healthcare staff could be government employees basically. Good luck getting most doctors to support this though. They love padding billing under the current system