It’s not for everyone, no doubt. Any existing/ongoing/chronic conditions are excluded for two years.
Discussion
Right at the end of the day insurance is healthy people pay for sick people and you could debate kf that's fair or not. So when you put the healthy people in their own pool it all works well for them and leaves sick people with medical debt.
So if the argument is it's not healthys peoples job to pay for the sick then fine. Just not really a system I wanna be a part of.
But like I said I hope to be proven wrong. I think what there doing have great potential to cut out all the waste full middle men and dramatically reduce costs. And then maybe at that point the medical cost issue goes away.
It’s a complicated matter. No question that CrowdHealth is built to reward people who take their well-being seriously and to not take on the burden of those who don’t.
I think that argument is okay for health conditions that are in your control, obesity, smoking etc. But it falls apart for conditions that are 100% out of ones control. maybe you can classify and treat those two cases differently within a system like crowd health.
Moreover, if the money was completely broken, and the “healthcare” system, as a result, the costs wouldn’t be so catastrophic.
Great points! I think one benefit will be cutting out the middle man so docs will be more open to taking it/providing a discount instead of dealing with the mountains of paper work in hopes insurance companies, who continue to squeeze docs, reimburse them at some point several months down the line. Don’t have to charge more to have people battle the incredible admin and billing process. More peer to peer, transparency, etc. We will see! The more I can care for patients and the less I have to fight for shrinking reimbursements the better!