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Steve Vaccaro
lawyer and activist; , & leader. These views my own.
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Steve Vaccaro 10h
Replying to @BarmanNYC
I love biking out of NYC early in the morning before traffic starts then training home from rail termini like Poughkeepsie, Port Jervis, Montauk, Raritan. Some of the best routes out are Highbridge>Sedgewick Ave., Brooklyn Bridge>Myrtle Ave., GW Bridge> Ft. Lee Ave.
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Steve Vaccaro retweeted
Amir 🐠🐠🐠 Feb 23
Overflowing out the doors at the kickoff for the 2020 campaign. This neighborhood is pumped. We’re all in!
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Steve Vaccaro 23h
Racing horses too!
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Steve Vaccaro 23h
This story is shared by so many crash victims. States can pass laws protecting the liability settlement but typically those laws are preepmted by ERISA. The injured victims becomes the guarantor of the insurer; the victim must pays over everything until the insurer is made whole.
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StreetsPAC Feb 23
In tonight's episode of "Cars Do the Darnedest Things..."
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Steve Vaccaro retweeted
Peter Flax Feb 23
You ever notice how news reporters for TV and newspaper outlets go to AAA for comments when they're writing a story about bicycle safety? That's an organization with an agenda—and it's agenda is not helping bike riders stay alive.
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Henry Rinehart Feb 23
Hey West Village business and property owners, do you think your real estate would be more valuable if it looked like this?
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Steve Vaccaro Feb 23
Replying to @BicyclesOnly
If $60K a year is the approximate cost of providing good medical care to families without cheating doctors and other health care providers, then OK, let's do it. Or not do it. But why would anyone want to pay middlemen simply to charge hidden rent for access to health care?
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Steve Vaccaro Feb 23
Replying to @BicyclesOnly
This extreme fear of medical debt reflects reality that medical debt is #1 source of personal bankruptcy in US. Insurers use this fear that naturally follows from all their cheating and other non-payment to fearmonger against Medicare For All.
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Steve Vaccaro Feb 23
Replying to @BikeNYCLaw
...our firm represents cyclists struck by motorists, we constantly have crash victims coming to us with bad ortho injuries who refused ambulance at crash scene due to fear of medical debt. 1 month out, they have to have bones rebroken and reset to lead normal lives...
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Steve Vaccaro Feb 23
Replying to @BicyclesOnly
...efficiency, reducing fraud, overhead, etc. are also valid insurer activities, but "driving down costs" (cheating doctors, cheating patients) has become health insurers focus, instead of paying out losses on properly underwritten risks which is what society expects of them.
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Steve Vaccaro Feb 23
Replying to @BicyclesOnly
...Insurance business model is *supposed* to work as follows: insurer carefully asses (underwrites) risks it is asked to ensure, sets premiums accordingly, insurers good at underwriting make more profit because collective payouts are less than collective premiums. Yes, admin...
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Steve Vaccaro Feb 23
Replying to @BicyclesOnly
My partner (the doctor) is represented by a doctor's union, gets great health cover. Insurer charges ~$60K a year to insure a family under that plan, you can see most providers, minimal copays/ deductibles/oop. Insurer makes $60K per year per healthy family for doing nothing.
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Steve Vaccaro Feb 23
Replying to @BicyclesOnly
Bottom line, modern US health insurance is a scheme where patients, health care providers and employers are insuring the profits of the insurers. We work for them. How can anyone possibly look at this situation in the cold light of day and fear government-run Medicare for All?
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Steve Vaccaro Feb 23
Replying to @BicyclesOnly
..and then makes me pay lion's share ($75 vs. $45 per appt), insurer then invokes opaque take-it-or-leave-it contract to steal proceeds of my lawsuit against driver who caused my ortho injury, I get nothing as long as insurer has made any unreimbursed payments on my behalf...
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Steve Vaccaro Feb 23
Replying to @BicyclesOnly
...So insurer takes my $2K+ a month for my family, makes me promise to see only its chosen providers, uses bargaining power with providers thus derived to force agreement w/unfair rate schedule ($120 for PT session), makes me pay whole $120 until I have paid $16K on year...
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Steve Vaccaro Feb 23
Replying to @BicyclesOnly
Costs $2K+ a month for each family insured under my law firm's plan, there's a $16K/yr out-of-pocket, no coverage outside the insurer's provider network. For physical therapy after ortho injury, I pay $75 out of pocket to provider, insurer pays $45 (after deductible satisfied)...
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Steve Vaccaro Feb 23
Replying to @BicyclesOnly
...and my partner is a primary care doctor (ob/gyn) providing care in city hospitals for decades. Pull back the curtain, it is readily apparent that health insurers are just sitting there taking money from all sides and adding no value, adding only misery and frustration...
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Steve Vaccaro Feb 23
Replying to @BicyclesOnly
...I see this happening from every angle and it boggles my mind. I spent 14 years working for insurers as a corporate lawyer, for last 10 I fight with insurers daily to get health care for crash victims, I am a proprietor of a small biz providing health instance to staff...
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Steve Vaccaro Feb 23
Replying to @BicyclesOnly
...(4) control everything with opaque overlawyered 500 page contracts brimming with conditions and exceptions allowing insurer to not pay (5) maintain massive lobbying/political contribution presence at state level so neither doctors nor patients can challenge arrangement....
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