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I apologize as it seems I misinterpretted your comment.  
noblesse oblige |n??bles ??bl? zh | the inferred responsibility of privileged people to act with generosity and nobility toward those less privileged
There are many reasons for charity, and I admit this is not one of the most noble ones, but I did think your note meant that.  I'm sorry I misunderstood.

On the insurance, I'm still puzzled with your comment.  I unfortunately have had very direct experience with close family members who have had cancer--very lengthy and expensive bouts.  Insurance covered basically everything.  and as you probably know, you get to know other people (in life generally, but specifically if you're spending a lot of time in treatment centers) as you go through this painful process.  and people are more open and sharing in such troubled times.  the only situation that i ran into was with a gentlemen that did not have insurance, who was stage IV and his current treatments were not working, and was wanting to try a drug that was not approved for his particular cancer.  he was working the system, and I don't know how that came out.

I just called a good friend of mine who is a hospital ceo.  he is not aware of anyone with insurance that has gone bankrupt attempting to pay for cancer treatments.  he said that there are lifetime maximums on some policies, but when you go past your max there are a number of other factors that come into play.  (our conversation became a little detailed here, so I leave that out.)  

I'm not challenging that you have run into this, just saying that I have not, in an experience that has been pretty broad.

by wchurchill on Sat Apr 28th, 2007 at 07:06:59 PM EST
[ Parent ]
I just called a good friend of mine who is a hospital ceo.  he is not aware of anyone with insurance that has gone bankrupt attempting to pay for cancer treatments.

You could try asking some of the patients. Perhaps some of those who don't get to hospital in the first place.

by ThatBritGuy (thatbritguy (at) googlemail.com) on Sat Apr 28th, 2007 at 07:30:37 PM EST
[ Parent ]
I delayed responding here, because your comment is so silly.

Once again, you just don't know most of the people on this website, or their backgrounds.  Nor do Izzy and Migeru who so happily give your comment a 4.

In my case, I know many, many patients and people with health issues--both from the patient side since I have had perhaps an unusual amount of illness in my immediate family (if you hang out in treatment centers for cancer, you meet a lot of patients and their family--I hope you are lucky enough not to find this out), and from the professional side since I've been involved in developing products for doctors to treat patients (and yes you meet them, watch them treated, etc.) and involved in home health care.

The three of you have these arrogant attitudes that preclude anyone who has a different view than yours as to how economies can best run, from being compassionate people, that also want the best for mankind.    You don't allow that people that work in companies that develop and make products to help people in their lives, do this partially because they are compassionate people.  (I'm no real exception--there are literally hundreds of thousands of people like me that do this for a living, and feel wonderful when a product that they participate in developing, or show a doctor how to use on a patient,,that feel personally rewarded.  they devote their lives to this--and you are ignorant of that, or just outright reject it.)  This I am better than you attitude is disgusting to me.  The idea that I don't talk to patients, know people with problems, try to help them as best I can--you are a supercillious bunch, that is for sure!

by wchurchill on Sun Apr 29th, 2007 at 02:14:10 PM EST
[ Parent ]
Wow, I've been called a lot of things, but never supercilious.  This is a whole new class of insult for me -- I feel like I've upgraded!

I'm going to reply more substantively to your more heartfelt comment below, but will mention here that meeting people does not necessarily equate with understanding them.

Maybe we can eventually make language a complete impediment to understanding. -Hobbes

by Izzy (izzy at eurotrib dot com) on Sun Apr 29th, 2007 at 03:09:13 PM EST
[ Parent ]
The idea that I don't talk to patients, know people with problems, try to help them as best I can
I certainly agree that meeting doesn't necessarily lead to knowing.  some people can talk to someone for years and not understand them.  others can listen, understand, empathize and even help in very short periods of time.  hard to tell which is which on a website, imo.

thanks for taking my rant with some good humour.

by wchurchill on Sun Apr 29th, 2007 at 03:59:31 PM EST
[ Parent ]
Who said anything about cancer?  You're an awful one for jumping to conclusions.

I'll refrain from commenting about what a ceo may or may not know about insurance.  Suffice it to say almost no one has long-term care insurance -- practically no nursing home coverage -- and a chronic illness, or series of illnesses, can easily drain the coffers over a course of years.

As your ceo may even be aware, there are myriad types of insurance coverage with various co-pays, deductibles, exculsions, prescription pay scales, catastrophic caps, lifetime care caps, you name it -- there's a ton of ways to suck someone dry.  In fact, what used to be some of the better insurance plans were the ones with 80/20 coverage -- they'd pay 80% and you were 20% out of pocket -- nowadays 20% of even one hospitalization can be disasterous (although probably not to a millionaire, admittedly), nevermind a decade or so of care.

Maybe we can eventually make language a complete impediment to understanding. -Hobbes

by Izzy (izzy at eurotrib dot com) on Sat Apr 28th, 2007 at 07:51:51 PM EST
[ Parent ]
cancer still on my mind, I guess.

Unfortunately I have the long term care issue as well, with a parent.  also no long term care insurance.  still hard for me to see a multi-millionaire going bankrupt, but I obviously don't know the care requirements, and I imagine in some cases that could be a lot.

I wonder how that situation is handled in the UK or France?  I honestly don't know.

by wchurchill on Sat Apr 28th, 2007 at 08:23:48 PM EST
[ Parent ]

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