Sorry, I disagree with some of your main points.
Myth 1 about your policy not covering all your medical bills.
Real answer. You buy and pay for a policy that states clearly $2000 of medical coverage. Now you wonder why it doesn't pay $100,000 for all your bills. This is not a bad policy. You got what you paid for.
Myth 2 Nasty thing call subrogation where your health insurance company gets back what they paid for ALL your medical from the responcible party.
Real answer. You sue the responcible party and get all your medical and pain and suffering, maybe loss of wages as well. Of course you don't get to keep the medical reimbursement. You didn't even pay it. The health insurance company did and they or you have the right to sue for it back. You mention double dipping later in the article. Getting paid for medical you didn't pay for is certainly double dipping. When you sue the responcible party you should know up front (and certainly your attorney know) that the medical part is a wash, goes back to the company that paid it. You are really suing for your damages. And what are those? Payment of med bill...no. Pain and suffering...yes. Lost wages...yes. Punitive damages to in effect fine the person (if available?)...maybe. The problem developes when you get all the money thinking it is yours. Then you have to turn around and reimburse the insurance company. In reality this is IMHO stupidity on the attorneys fault. It was never your money in the first place. The Walmart case in the news is an example of this same thing. The injured person wants to keep all the money from the settlement even though they didn't pay any of the medical bills.\
As for complaining about what you are paying premiums for...there is no subrogation of money from a responcible party in any claim for disease or accidental injury. That is why when you go to the hospital they ask if this was from a car accident or while you were at work. They want to be reimbursed by another responicble person or perhaps the employers work comp insurance. If this reimbursement didn't take place, you can bet our health insurance costs would substancially increase above the astronomical level it is currently at.
The point is we are IMHO, getting what we pay for. There is no scum sucking company ripping off anyone. In fact, again, the only rip off is trying to be reinbursed for medical bills you never paid.
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