Current Events > CNN: ''Las Vegas victims are struggling with huge medical costs''

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wackyteen
10/28/17 9:28:42 AM
#1:


7cVmcQm

http://money.cnn.com/2017/10/25/pf/insurance/las-vegas-shooting-health-care/index.html

Kurt Fowler and his wife, Trina, were celebrating their 18th wedding anniversary at a country music festival when the shooting started. Fowler, 41, knew he'd been hit in the ankle and couldn't run. He hid under the stage until the gunfire ended.

"I knew my foot was completely useless," said Fowler, a firefighter from Lake Havasu City, Arizona, and a father of three. He underwent surgery, spent nearly two weeks in the hospital and still may need another operation. He also will need rehabilitation and follow-up visits with a specialist.

Fowler has a Blue Cross Blue Shield PPO through his job, but he said he doesn't know how much he will have to pay out of his own pocket for the care he is receiving. In an era of higher deductibles and limited choice of in-network doctors, however, he knows he could face significant medical bills.

His insurance card says his individual deductible is $5,000 and his coinsurance 20%. He said he didn't know how much his health plan would cover for out-of-state care.

"Medical expenses are astronomical these days," Fowler said from his bed at Sunrise Hospital & Medical Center in Las Vegas. "It's a mountain that just doesn't seem like it's gonna be climbable, but we are gonna do our best."

As hundreds of survivors struggle to recover emotionally and physically from the Oct. 1 attack, they are beginning to come to terms with the financial toll of the violence perpetrated against them. Even those who are insured could face untold costs in a city they were only visiting.

The total costs of medical care alone could reach into the tens of millions of dollars, said Garen Wintemute, who researches gun violence at the University of California-Davis.

And that is just the beginning. Many survivors will be out of work for months, if they are able to return at all.

"We really don't have a good handle on the intangible costs of something like this ... the ripple effects on family and friends and neighborhoods when a large number of people have been shot," Wintemute said.

More than 100,000 people are shot every year in the U.S., according to the Centers for Disease Control and Prevention. That generates about $2.8 billion per year in emergency room and inpatient charges alone, according to a recent study in Health Affairs. The average emergency room bill for an individual gunshot victim is $5,254 and the average inpatient charge is $95,887, according to the study.

...

California and some states protect consumers from such bills, but Nevada is not one of them, said Sabrina Corlette, a research professor at Georgetown University's Center on Health Insurance Reforms. But Corlette said most insurers allow patients to request exceptions based on the circumstances.

"In this situation, I imagine most insurers are going to want to be compassionate and work something out," she said.

The victims and their families aren't the only ones who will be affected financially by the mass shooting. Taxpayers, too, pick up much of the tab for the health care costs associated with gun violence because many patients are covered by Medicaid and Medicare, two government insurance programs.


There's more in the article.

Kind of fucked up that you go to a concert, get shot by a deranged mother fucker, and you're the one who has not only your day to day fucked, but your financial life fucked over also. <_< and some people want it this way
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Tropicalwood
10/28/17 9:29:29 AM
#2:


Obamacare at its finest
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Flasbangs
10/28/17 9:32:33 AM
#3:


I'm so glad I don't live in America when I hear of shit like this..
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Antifar
10/28/17 9:34:01 AM
#4:


America is already great
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#5
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chrono625
10/28/17 9:41:04 AM
#6:


first let me start by saying medical costs in this country are absurd.

but I have paid insurance and the cost of my wife to have a baby is like $200. people still complain about that co-pay when the hospital bill would be like 40k at least.

given this guys situation they should waive the deductible just out of the basic kindness of a humans heart.
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Super Saiyan 3 Goku
10/28/17 9:41:39 AM
#7:


Just sort of reinforces the problem with healthcare in this country. Not just access, but cost.
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Omega Hunter
10/28/17 9:41:41 AM
#8:


Its mind blowing that we as a country can find this acceptable.

Personal responsibility right? Dont get shot.
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Dat_Cracka_Jax
10/28/17 9:45:07 AM
#9:


Seems that the highest deductible plans I see have an 11k or so out of pocket for family. Maybe 16k for out of network.
That's definitely a huge number, but shouldn't bury anyone who has been adequately saving their money, especially a 41 year old.
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Dat_Cracka_Jax
10/28/17 9:46:56 AM
#10:


Omega Hunter posted...

Personal responsibility right? Dont get shot.


The personal responsibility is that you save for ANY large expense that could occur. That includes any unexpected medical cost, which this certainly would be.
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The Great Muta 22
10/28/17 9:50:19 AM
#11:


Tropicalwood posted...
Obamacare at its finest


Why do I doubt you even read anything past the topic title before pushing this shit post out?
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Funkydog
10/28/17 9:53:39 AM
#12:


Maybe they shouldn't have got shot then.

But yeah, just another reason why America is weird they don't do what other western countries do.
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wackyteen
10/28/17 9:59:59 AM
#13:


Dat_Cracka_Jax posted...
Omega Hunter posted...

Personal responsibility right? Dont get shot.


The personal responsibility is that you save for ANY large expense that could occur. That includes any unexpected medical cost, which this certainly would be.

You shouldn't have to live your life saving on the extremely small chance that you may or may not get shot. That borders on paranoia.
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#14
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wackyteen
10/28/17 10:02:35 AM
#15:


And beyond that, you shouldn't be expected to have to spend your savings because some dumb fuck decided he wanted to violence randomly. <_< now if you knowingly put yourself in a situation involving violence them there's an argument to be made about you being on the hook. However given this situation nobody should be being forced into extreme debt or spending their own personal savings on this.
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Dat_Cracka_Jax
10/28/17 10:06:23 AM
#16:


wackyteen posted...
Dat_Cracka_Jax posted...
Omega Hunter posted...

Personal responsibility right? Dont get shot.


The personal responsibility is that you save for ANY large expense that could occur. That includes any unexpected medical cost, which this certainly would be.

You shouldn't have to live your life saving on the extremely small chance that you may or may not get shot. That borders on paranoia.

You realize there are other things that cause medical bills? Lol
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Dat_Cracka_Jax
10/28/17 10:08:30 AM
#17:


wackyteen posted...
And beyond that, you shouldn't be expected to have to spend your savings because some dumb fuck decided he wanted to violence randomly. <_< now if you knowingly put yourself in a situation involving violence them there's an argument to be made about you being on the hook. However given this situation nobody should be being forced into extreme debt or spending their own personal savings on this.

Personally I would take the money if someone was offering it, but I wouldn't be sunk if I was expected to be on the hook for it.
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wackyteen
10/28/17 10:11:39 AM
#18:


Dat_Cracka_Jax posted...
You realize there are other things that cause medical bills? Lol

Obviously I was referring to the relevant situation.
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Kajagogo
10/28/17 10:13:29 AM
#19:


Dat_Cracka_Jax posted...
Omega Hunter posted...

Personal responsibility right? Dont get shot.


The personal responsibility is that you save for ANY large expense that could occur. That includes any unexpected medical cost, which this certainly would be.


Are you for real???
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tremain07
10/28/17 10:13:38 AM
#20:


Welcome to the real world. Save more money people
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EternalDivide
10/28/17 10:14:40 AM
#21:


Ok, first off before even getting into the shit show that is Obamacare.
He's a firefighter and he doesn't have coverage? He has his own insurance and it's such crap that it won't cover this? This is one of those things that unions should actually be good for something. Just how? Seriously. How the fuck does his workplace not have complete coverage for him?
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NikoIai
10/28/17 10:17:02 AM
#22:


Dat_Cracka_Jax posted...
Omega Hunter posted...

Personal responsibility right? Dont get shot.


The personal responsibility is that you save for ANY large expense that could occur. That includes any unexpected medical cost, which this certainly would be.


Conservatives: you should save for retirement, medical bills, college..

Oh yeah and the minimum wage should be $2
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smoke_break
10/28/17 10:17:48 AM
#23:


Dat_Cracka_Jax posted...
Omega Hunter posted...

Personal responsibility right? Dont get shot.


The personal responsibility is that you save for ANY large expense that could occur. That includes any unexpected medical cost, which this certainly would be.

lmfao
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#24
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Funkydog
10/28/17 10:20:34 AM
#25:


Ex-Kefiroth posted...
Hospitals and Insurers do not have hearts

What about the stolen ones from corpses?!
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Dat_Cracka_Jax
10/28/17 10:23:28 AM
#26:


Kajagogo posted...
Dat_Cracka_Jax posted...
Omega Hunter posted...

Personal responsibility right? Dont get shot.


The personal responsibility is that you save for ANY large expense that could occur. That includes any unexpected medical cost, which this certainly would be.


Are you for real???

Yes. Have you no savings for emergencies?
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SageHarpuia
10/28/17 10:25:14 AM
#27:


Thanks Obama.
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Antifar
10/28/17 10:25:39 AM
#28:


Dat_Cracka_Jax posted...
Yes. Have you no savings for emergencies?

If he's like the majority of Americans...no.
http://money.cnn.com/2017/01/12/pf/americans-lack-of-savings/index.html
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Unsugarized_Foo
10/28/17 10:27:28 AM
#29:


Its definitely more about how much they have to pay than them having to pay. Medical costs in this country are beyond ridiculous
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Dat_Cracka_Jax
10/28/17 10:28:42 AM
#30:


smoke_break posted...
Dat_Cracka_Jax posted...
Omega Hunter posted...

Personal responsibility right? Dont get shot.


The personal responsibility is that you save for ANY large expense that could occur. That includes any unexpected medical cost, which this certainly would be.

lmfao

Please look at things look at things objectively and don't let the emotions of this situation impact your thinking.
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emblem boy
10/28/17 10:32:42 AM
#31:


Isn't this the point of high deductible plans. Taking the risks you won't need the insurance for basic stuff and having that deductible for these types of random shit happening
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emblem boy
10/28/17 10:34:05 AM
#32:


Issue is really the long term care issues. Will those be covered?
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chrono625
10/28/17 10:50:33 AM
#33:


Dat_Cracka_Jax posted...
smoke_break posted...
Dat_Cracka_Jax posted...
Omega Hunter posted...

Personal responsibility right? Dont get shot.


The personal responsibility is that you save for ANY large expense that could occur. That includes any unexpected medical cost, which this certainly would be.

lmfao

Please look at things look at things objectively and don't let the emotions of this situation impact your thinking.


i agree with you.

my wife and I will always have about 15-20k in our account at all times for such a major emergency. it's there for various reasons, not as fun money.

If something major breaks in the house or one of us loses our job to help float the bills.

but where I disagree is that people shouldn't have to put domestic violence/terrorism on their list of things to save money for.

vegas/hotels/casinos really need to step up and cover these costs. especially the hotel where the guy managed to sneak in an arsenal of weapons to pull off this heinous act.
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DevsBro
10/28/17 11:04:22 AM
#34:


If he's like the majority of Americans...no.
http://money.cnn.com/2017/01/12/pf/americans-lack-of-savings/index.html

This just in, people don't plan ahead.

That said, there's probably a lot we can do without giving the government the power to force everyone into a particular living will in order to qualify. Which you're all aware is the way this ends, right?
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The Admiral
10/28/17 11:07:05 AM
#35:


The Great Muta 22 posted...
Tropicalwood posted...
Obamacare at its finest


Why do I doubt you even read anything past the topic title before pushing this shit post out?


These absurd deductibles $5000 in the first case mentioned are largely due to Obamacare.
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Anteaterking
10/28/17 11:14:26 AM
#36:


What distinguishes Las Vegas victims from someone who through no fault of their own develops an expensive disease such as cancer?
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shanefu22
10/28/17 11:17:19 AM
#37:


EternalDivide posted...
Ok, first off before even getting into the shit show that is Obamacare.
He's a firefighter and he doesn't have coverage? He has his own insurance and it's such crap that it won't cover this? This is one of those things that unions should actually be good for something. Just how? Seriously. How the fuck does his workplace not have complete coverage for him?

You'd think a firefighter would have great coverage. I'm a desk jockey and my deductible is only 500.
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#38
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Dat_Cracka_Jax
10/28/17 11:36:42 AM
#39:


Godnorgosh posted...
Dat_Cracka_Jax posted...
Omega Hunter posted...

Personal responsibility right? Dont get shot.


The personal responsibility is that you save for ANY large expense that could occur. That includes any unexpected medical cost, which this certainly would be.


A lot of people can't even afford to save, dude. And I don't mean because they're living lavishly, but because after rent, utilities, gas, groceries, and whatever other necessities, there's nothing left. A lot of people don't make enough to prepare for situations like randomly getting shot.

You should be cutting costs in order to save. That means no cable, no iPhone with data plan and no Vegas trips to see concerts.
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FLUFFYGERM
10/28/17 11:39:29 AM
#40:


Dat_Cracka_Jax posted...
Godnorgosh posted...
Dat_Cracka_Jax posted...
Omega Hunter posted...

Personal responsibility right? Dont get shot.


The personal responsibility is that you save for ANY large expense that could occur. That includes any unexpected medical cost, which this certainly would be.


A lot of people can't even afford to save, dude. And I don't mean because they're living lavishly, but because after rent, utilities, gas, groceries, and whatever other necessities, there's nothing left. A lot of people don't make enough to prepare for situations like randomly getting shot.

You should be cutting costs in order to save. That means no cable, no iPhone with data plan and no Vegas trips to see concerts.


He thinks biking to work is a terrible thing, so I'm not sure you'll have much progress with extolling the need for budgeting and frugality.
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RebelElite791
10/28/17 11:40:24 AM
#41:


So many straight-up fucking sociopaths on this board
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#42
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Returning_CEmen
10/28/17 11:40:48 AM
#43:


Yeah, medical costs in the US are ridiculous.
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#44
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Kazuma_Yagami
10/28/17 11:47:40 AM
#45:


I agree with the notion that a lot of people do not make enough to save up for a tragedy like this. But dont go off the deep end and act like they are at fault for owning an iPhone or going to a concert. People should be able to live life, not just survive it.
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FLUFFYGERM
10/28/17 11:48:09 AM
#46:


Godnorgosh posted...
FLUFFYGERM posted...
Dat_Cracka_Jax posted...
Godnorgosh posted...
Dat_Cracka_Jax posted...
Omega Hunter posted...

Personal responsibility right? Dont get shot.


The personal responsibility is that you save for ANY large expense that could occur. That includes any unexpected medical cost, which this certainly would be.


A lot of people can't even afford to save, dude. And I don't mean because they're living lavishly, but because after rent, utilities, gas, groceries, and whatever other necessities, there's nothing left. A lot of people don't make enough to prepare for situations like randomly getting shot.

You should be cutting costs in order to save. That means no cable, no iPhone with data plan and no Vegas trips to see concerts.


He thinks biking to work is a terrible thing, so I'm not sure you'll have much progress with extolling the need for budgeting and frugality.


Yeah, biking to work sure is great for the average person, who has a 25-minute to 1-hr commute to work and who may work 10-12 hours per shift.


You didn't add those qualifiers in that topic, so *shrug*

A 25 minute bike ride is not bad at all btw.
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FLUFFYGERM
10/28/17 11:49:19 AM
#47:


Anyway the simple solution to these is to ramp up state programs that both Nevada and California already have. Nevada for example has a program where victims of crimes can get their medical bills paid for. There's no reason for people to shitpost about America when they could instead spread awareness of the programs that do exist and that could be bolstered with more funding.
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Antifar
10/28/17 11:52:11 AM
#48:


FLUFFYGERM posted...
There's no reason for people to shitpost about America when they could instead spread awareness of the programs that do exist and that could be bolstered with more funding.

What funding do you think they use?
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FLUFFYGERM
10/28/17 11:53:47 AM
#49:


Antifar posted...
FLUFFYGERM posted...
There's no reason for people to shitpost about America when they could instead spread awareness of the programs that do exist and that could be bolstered with more funding.

What funding do you think they use?


Tax dollars and donations, obviously.

It doesn't take a lot of money to pad a fund for victims of violent crime.
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#50
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