it’s a thing that I wished existed, but doesn’t (AFAIK). some company I could pay a reasonable monthly fee to, that would somehow magically take care of all my life-maintenance-in-the-21st-century bullshit :)
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Replying to @KevinSimler @context_ing
I’ve been thinking a lot about this since I had to take over all my mom’s adulting three years ago. For a year it was a full time job getting her bullshit admin stuff (27 kinds of insurance, etc ad nauseam) sorted out. Still takes a huge part of my time.
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This “administrative externality” work shouldn’t exist in the first place, but if we can’t force internalization, it would be way more efficient to have competent specialists taking care of it.
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Replying to @Meaningness @context_ing
Damn.... this makes my “problems” look completely trivial
I’m curious if you have an opinion on how much principal–agent conflict there would be, if you or your mother had tried to outsource this work (assuming competency of the specialists).1 reply 0 retweets 6 likes -
Replying to @KevinSimler @context_ing
Right, I nearly added a tweet about principal-agent when originally replying to you! There are lots of categories of things that offer pieces of the service one would want, but most of them are fatally compromised by principal-agent conflicts.
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To take the original example, there are insurance advisors and insurance agents (different things), but they are mainly or entirely compensated by the insurance companies, acting as outsourced/freelanced sales people, so their “advice” is unreliable.
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And, they don’t do the main thing you actually want, which is not selecting an insurance company, but dealing with their paperwork and screw-ups and (likely-fraudulent gray-area) coverage denials.
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[One minor current hassle: my mother’s dental insurance says she’s too old to get any dentistry so they won’t pay for emergency dental work done in November. If this were true, which it clearly isn’t, you should have terminated her policy when she got too old, I think?
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I'm scared of what counts as a major insurance problem if an entire type of insurance refusing to help at all is minor.
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I am guessing you don’t live in the US? A major insurance problem is you get a severe abdominal ache and go to the hospital and they discharge you three hours later because it went away and then in a few weeks you get a bill for $100,000 and your insurance says “we’re not paying”
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This is totally legal and actually happens. Late last year US Congress considered a bill to make it illegal, were lobbied heavily by financially interested parties, and decided “yes, allowing this is definitely in our interest as elected politicians.”
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