*Loan,banking and credit>>>health insurance

Who here thinks health insurance is a scam?

Buying insurance is like buying a lottery ticket to get yourself screwed. The only difference is that once you are screwed, you might just get double screwed because the insurance company might refuse payment!

Even worse than the insurance companies are all the other companies that have stuck their fingers into the healthcare pie - HMO's, third parties that do the paperwork for self-insured businesses and medical groups, etc. These businesses add nothing to the care aspect of things, but are in it only for the money.

A coworker's father had to go in for a battery of medical tests, and they required reapproval. He got the statement from the insurance provider, and it also showed how much it would cost him, along with the deductible and copay. He then called the doctors office, and asked what the cost would be if he paid cash on the spot, when he came in for the tests. He was quoted about 30% of what the total insurance bill would have come to. That was less than his portion of an insurance-billed claim would have been. The doctor's office calculated that by not having to deal with the insurance company they saved that much.

no its not cuz anything can happen....my mom died at 46
Then don't buy it. Or more practically, look at the amount of the bill presented and the amount you have to pay and see how badly people who don't have insurance are screwed.
I think all insurance is a scam, even though my wife is an insurance agent. If insurance did not exist, doctors would not be able to charge the astronomical rates that they do, because no one would be able to afford health care. For instance, to go see my chiropractor, it costs me $40 cash, or $140 with insurance, of which I pay $20. The screw the insurance companies, making it cost more to you on both ends. Insurance sucks.
Insurance is a scam,it always been a scam,but now you are required to have it by law.If you haven't heard it yet,let me tell you at this point in time your credit report effect you insurance rates.
experience
I had surgery last year. Without health insurance, the cost for the procedure (with just an overnight hospital stay) would have been over $40,000.00, and that's not including the pre-op lab work and appointments. Because I had health insurance, my out of pocket was just over $350.00.

Health insurance is definately not a scam. It can cost too much and some of the regulations and policies suck, but it's not a scam.