My “favorite” insurance company in the world, BlueCross BlueShield, are massive dicks. Radburn Royer donated a kidney to his daughter, and that’s when the fun began:
Like most other kidney donors, Mr. Royer, a retired teacher in Eveleth, Minn., was carefully screened and is in good health. But Blue Cross and Blue Shield of Minnesota rejected his application for coverage last year, as well as his appeals, on the grounds that he has chronic kidney disease, even though many people live with one kidney and his nephrologist testified that his kidney is healthy. Mr. Royer was also unable to purchase life insurance.
Even though he’s not high risk, Royer now must purchase insurance from the state’s high-risk pool, for which he has the pleasure of paying more for getting less.
Health insurance no longer functions as it was intended. It’s supposed to pool risk. You don’t pool risk by putting healthy people in the high risk pool and you don’t pool risk by taking the highest risk peole — elderly and the poor — out of the pool entirely. This is the most messed up thing I’ve ever seen.
If I were queen I’d wave a magic wand and make private, for-profit health insurance illegal because it’s parasitic, exploitive and an obstruction to the common good.