r/MurderedByWords Dec 27 '24

#2 Murder of Week Fuck you and your CEO

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-47

u/FIRE_Enthusiast_7 Dec 27 '24

Mangione is (likely) just a murderous piece of shit.

36

u/[deleted] Dec 27 '24

I genuinely don't condone vigilante justice, but why is putting profits over the welfare of millions somehow morally superior to killing a man who indirectly killed thousands (millions?)?

-28

u/DarwinGoneWild Dec 27 '24

Brian didn’t kill anyone. Every insurance company in the US is beholden to the ACA which states that 85% of customer premiums must be spent on medical care. There is no way to increase profits by denying claims under this system. The company has to spend that same 85% no matter what.

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u/IIlIIIlllIIIIIllIlll Dec 27 '24

Is it 85%, or a minimum of 85%? Because if it's a minimum, then that creates a target for them to hit, accept claims until you get to 85%, then deny claims to stay as close to that number as possible. Under a system like that, denying claims would almost be necessary for the company to generate profit, would it not?

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u/WhereTheLightIsNot Dec 27 '24

It’s 85% minimum. 

I’m not sure there is a difference between the two options you presented though? Unless i’m understanding it wrong. If anything, 85% minimum would actually be better than a fixed 85% since there is a possibility for more to be spent.

7

u/IIlIIIlllIIIIIllIlll Dec 27 '24

A possibility for more to be spent = incentive to spend less.

If 85% is the bare minimum they need, it would be in their best interests to stick as close to that number as possible. If the 85% was a set number there'd be no incentive to deny coverage beyond what's necessary.

-2

u/CaptainCarrot7 Dec 27 '24

then deny claims to stay as close to that number as possible

Source that its happening?

denying claims would almost be necessary for the company to generate profit, would it not?

Is denying claims always wrong? If so you are asking all insurance companies to go bankrupt.

3

u/IIlIIIlllIIIIIllIlll Dec 27 '24

I was proposing a logical thought experiment. There's no source because I was asking a question, lol.

1

u/LilyHex Dec 28 '24

Is denying claims always wrong? If so you are asking all insurance companies to go bankrupt.

Insurance always requires a doctor to say "the patient needs this care". If the patient needs this care, it should never be fucking denied. Period.

If you can't make money in that business without denying people healthcare that will fucking impact their quality of life or KILL THEM, then you shouldn't be a fucking insurance company. Find another line of work that doesn't put people's lives literally at some asshole CEO's discretion so he can sit on his ass and run an AI program to deny people healthcare.

What the fuck is wrong with you, actually? In here slobbin' on healthcare CEO knob like that'll make them give a fuck about you lol