Monday, April 29, 2013

The problem with free Insurance

This doesn't apply just to insurance but when you offer someone an unlimited amount of something for free they are very likely to find uses in ways you never intended. For example, if I am cold and you offer me an unlimited amount of priceless framed paintings I would burn them to keep warm. My need isn't art to admire but staying warm.

This thoughtful Medicaid recipient found a very affordable way to get to town without the cost of maintaining a car or a bus pass:
"The Dorchester County Sheriff's Office says 51-year-old Audrey Ferguson of the Dorchester community has called EMS at least 100 times in the last seven years.

On the way to jail, Ferguson told a deputy why she called for an ambulance so many times.

According to the incident report, Ferguson said she didn't have a car and this was the only way she had to get around and Medicaid paid for it anyway. It was part of her benefits."
You would think after the 25th or 50th ambulance ride someone on the payor side might start asking questions, especially if you had ambulance rides and no hospital bill following them. On a claims report that would appear as something that required taking someone to a hospital yet no treatment rendered, should have thrown up some red flags. 
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