This story in today's Missoulian should remind everyone that we don't need universal health insurance, but universal access to health care:
After a five-day trial and eight hours of deliberation, the jury of one man and six women ruled unanimously against Fireman's Fund Insurance Co., deciding that the California-based company acted in bad faith and breach of contract in denying Samantha Chilcote's insurance claim.
In January 2003, Chilcote, a 32-year-old salmon ecologist, suffered permanent brain injuries in a head-on car collision on U.S. Highway 2. She was not at fault in the accident, and her damages exceeded the amount of the other driver's policy limit.
Chilcote, a doctoral student at the time of her accident, was covered under her family's insurance plan for a total of
$1.5 million in underinsured motorist benefits and $15,000 in medical pay. Still, the company refused to pay out her underinsured motorist coverage and delayed payment of her medical benefits until Jan. 17, 2008, cutting a check exactly five years from the date of the accident, on the same day as a final pretrial conference in her civil case.
Missoula doctor Tom Roberts: "Our profit-based system is fundamentally at odds with our valued-based system...It is designed to make money and not to take care of people."