We're sunsetting PodQuest on 2025-07-28. Thank you for your support!
Export Podcast Subscriptions
cover of episode Ep 460: Delay, Deny, Defend: Fixing The Broken Insurance System

Ep 460: Delay, Deny, Defend: Fixing The Broken Insurance System

2025/1/29
logo of podcast HerMoney with Jean Chatzky

HerMoney with Jean Chatzky

AI Deep Dive AI Chapters Transcript
People
J
Jay Feinman
J
Jean Chatsky
Topics
Jay Feinman: 我认为保险公司应该盈利,这是我们现有制度的本质。但我们需要改进保险买卖流程。人们通常不了解他们购买的保险细节,他们过于关注价格。我们需要更严格的监管,保险监管机构应该更加关注普通消费者的需求。健康保险系统非常复杂,涉及多方参与者,需要改进购买流程。人们应该关注保险对重大经济损失的保障作用,而非小额费用的节省。《平价医疗法案》在提高健康保险购买的透明度方面取得了进展,但仍需改进。医疗保险系统复杂,缺乏足够的监管,容易产生意外账单。消费者在医疗费用方面遇到的问题并非完全是个人责任,而是系统性问题。消费者应主动获取医疗服务费用信息,避免意外支出。消费者应该像购买其他商品一样,提前获得书面报价,了解所有费用。获得医疗服务的书面报价有助于避免意外费用,但并非所有消费者都会这样做。美国医疗费用高昂的原因复杂,包括系统复杂性、药物价格高以及缺乏价格谈判等。美国医疗系统不会转向单一支付方,需要从边缘入手降低成本。Brian Thompson被杀事件引发了公众对医疗系统的强烈不满,但这种关注是短暂的。购买房屋保险时,应关注保险范围、价格和保险公司质量,并关注可能造成的重大经济损失。购买房屋保险时,不要选择过低的免赔额,应关注可能造成的重大损失。许多房屋因重建成本上涨而投保不足,这会造成经济损失。消费者应与保险代理人沟通,确保保险金额充足。购买保险时,应关注价值而非单纯的价格。 Jean Chatsky: 50多岁是购买长期护理保险的最佳时机。消费者应该比较长期护理保险的独立保单和混合保单的成本。拥有几百万资产的人最适合购买长期护理保险。我个人购买了混合型长期护理保险,因为它既能提供长期护理保障,又能为受益人留下遗产。购买长期护理保险时,应考虑夫妻一起投保是否更划算。传统长期护理保险保费上涨是常见问题,消费者需要谨慎。终身寿险保费远高于定期寿险,但终身寿险保费在一定时间后不再上涨。人们对寿险的需求时间延长,导致终身寿险的需求增加。

Deep Dive

Shownotes Transcript

This week we’re tackling the complexities of the insurance system with Jay Feinman, author of Delay, Deny, Defend: Why Insurance Companies Don’t Pay Claims and What You Can Do About It). We dive into the recent, shocking murder of UnitedHealthcare CEO Brian Thompson and how it brought our collective frustrations with the health insurance industry into sharp focus.

And in Mailbag, Jean and Kathryn tackle a listener’s question about long-term care insurance). Is a whole-life policy with a long-term care rider the right choice, or is a standalone policy better?

Resources Mentioned in the Episode:

Healthcare.gov) and state insurance marketplaces for comparing health plans

Learn more about InvestingFixx,) our women’s investing club where you can vote on stocks, build a model portfolio, and grow your financial knowledge. Take the next step in your financial journey with FinanceFixx), our money makeover program.

Have a question for us? Write to us (or send us a voice note!) at [email protected]). While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at* Hermoney.com/subscribe*)!

Learn more about your ad choices. Visit megaphone.fm/adchoices)