Current Events > Trip to the ER not covered at all, I owe $1160

(+) Yeah! (+)

DavidWong posted...

Last year i took an ambulance to hospital, had my appendix out the next day, and left the following day.

Total cost: $25 for my fiance's parking at the hospital

I do not have health insurance. Public health care ftw

I was diagnosed with Hodgkins Lymphoma back in February

Since then I've been in and out of doctors offices, in for biopsies and minor day surgeries and finally chemotherapy.

I have homecare set up through my doctor so I nurse comes by my house for two days after my chemo and pumps me full of hydration so it flushes put the poison and dead cells.

The total cost of all this?

$0.00
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Oatcakes posted...

So wait, even if you pay for "cover", you still have to pay an excess?

Wtf America?

It's because it's so motherfucking expensive. Sure, you can get 100% coverage for everything you can go into the hospital for but it costs more than you or anyone you know can pay.

So they have these kinds of plans where they just charge you a few hundred a month and if you happen to get a thirty million dollar bill, you only have to pay a few thousand of it.
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Oatcakes posted...

DevsBro posted...

Oatcakes posted...

Quick question.

Do you get charged by the other emergency services for attending? (Bill from fire department for putting out fire, bill from police for arresting someone who assaulted you etc).

Yep. Every day.

So they don't "send you a bill", you pay taxes.

You seem pretty confident that there's a difference.
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Doom_Art posted...

So glad I never needed care while I lived down there.

How you people haven't revolted over this shit is baffling

Socialism!!11!

DevsBro posted...

You seem pretty confident that there's a difference.

There is.
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DevsBro posted...

Oatcakes posted...

DevsBro posted...

Oatcakes posted...

Quick question.

Do you get charged by the other emergency services for attending? (Bill from fire department for putting out fire, bill from police for arresting someone who assaulted you etc).

Yep. Every day.

So they don't "send you a bill", you pay taxes.

You seem pretty confident that there's a difference.

I mean, they're not the same thing.
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Sir Will posted...

Doom_Art posted...

So glad I never needed care while I lived down there.

How you people haven't revolted over this shit is baffling

Socialism!!11!

DevsBro posted...

You seem pretty confident that there's a difference.

There is.

Well I'm glad we cleared that up.
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fenderbender321 posted...

clearaflagrantj posted...

Wow what a great healthcare system we have in this country.

What would be better? Because making me pay for your bill certainly isn't better for me.

How about a system where you pay a miniscule amount each month and everyone gets complete coverage?

Propped up by taxes on things that cause health problems (like tobacco etc).
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fenderbender321 posted...

Oatcakes posted...

fenderbender321 posted...

clearaflagrantj posted...

Wow what a great healthcare system we have in this country.

What would be better? Because making me pay for your bill certainly isn't better for me.

How about a system where you pay a miniscule amount each month and everyone gets complete coverage?

Propped up by taxes on things that cause health problems (like tobacco etc).

Miniscule?

And the coverage, treatments and quality of everything is every bit as good as what I have now?

I doubt what you have access to there and what I have access to here are vastly different in quality.
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I guess TC should have decided on a better time to get sick than Easter
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byron posted...

DavidWong posted...

Last year i took an ambulance to hospital, had my appendix out the next day, and left the following day.

Total cost: $25 for my fiance's parking at the hospital

I do not have health insurance. Public health care ftw

Yeah but obviously wherever you live is a third world communist hell hole. I can say that with confidence as I've never left my state.

Australia.

And lol, imagine being proud that you've never travelled. If I had never been able to experience different cultures, people and countries, I would've killed myself by now.
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Oatcakes posted...

So wait, even if you pay for "cover", you still have to pay an excess?

Wtf America?

That's literally how insurance works.

Normally, you can opt to pay a higher excess for lower premiums, or higher premiums for lower excess.

And if you've been insured for a long time without making a claim, your excess/premiums go down etc.

Insurers need to make money too and it stops people taking cover out and claiming every single little thing that goes wrong with them.

Source: I work in insurance (home and contents, but the idea is the same)
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Should have been a little more responsible and saved some money. $1,000 isn't a lot.

fenderbender321 posted...

Oatcakes posted...

fenderbender321 posted...

Oatcakes posted...

fenderbender321 posted...

clearaflagrantj posted...

Wow what a great healthcare system we have in this country.

What would be better? Because making me pay for your bill certainly isn't better for me.

How about a system where you pay a miniscule amount each month and everyone gets complete coverage?

Propped up by taxes on things that cause health problems (like tobacco etc).

Miniscule?

And the coverage, treatments and quality of everything is every bit as good as what I have now?

I doubt what you have access to there and what I have access to here are vastly different in quality.

How much does your healthcare system cost overall, and how many people does it cover?

Covers every citizen.

Costs 2,200 per person on average.

By comparison, it works out at about $10,000 per person in America.
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DavidWong posted...

Insurers need to make money too and it stops people taking cover out and claiming every single little thing that goes wrong with them.

No it doesn't. That's the problem.
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What TC purposely refused to mention was that he makes like $80,000 a year and picked a high deductible plan.
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trumps america
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iClockwork posted...

Should have been a little more responsible and saved some money. $1,000 isn't a lot.

Exactly, especially when you make as much as TC does.
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FLUFFYGERM posted...

What TC purposely refused to mention was that he makes like $80,000 a year and picked a high deductible plan.

if you are young and healthy you should be picking that kind of plan. any insurance agent will tell you as much.
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E32005 posted...

FLUFFYGERM posted...

What TC purposely refused to mention was that he makes like $80,000 a year and picked a high deductible plan.

if you are young and healthy you should be picking that kind of plan. any insurance agent will tell you as much.

yep. and the difference between the low and the high is greater than what TC owes now. except TC is just looking to be dishonest so a bunch of leftist CEmen can worship him
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why do millennials think theyre entitled to free health care
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if TC's income was average or less they'd have even waived the costs depending on the state he's in
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FLUFFYGERM posted...

if TC's income was average or less they'd have even waived the costs depending on the state he's in

Why are you attacking the OP in a bid to ignore the fact that the system is clearly messed up? The services he got simply should not cost that much overall and should not have cost him that much. There's proven better ways to do it, but you are focused on attacking the victim of a broken mess.
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legendary_zell posted...

FLUFFYGERM posted...

if TC's income was average or less they'd have even waived the costs depending on the state he's in

Why are you attacking the OP in a bid to ignore the fact that the system is clearly messed up? The services he got simply should not cost that much overall and should not have cost him that much. There's proven better ways to do it, but you are focused on attacking the victim of a broken mess.

In any other circumstance you'd laugh at someone who is financially stable complaining about a cost. TC is not an example of the system being messed up. His costs are a very small percentage of his income and net worth.

How much should it have costed for immediate high-quality care?
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At least you have a good job and can cover that :/

Did you sign up for a shitty high deductible plan or something? The plan I have through work only had us paying the ~$500 copay when my son was born last year. Didn't pay anything beyond that.
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FLUFFYGERM posted...

What TC purposely refused to mention was that he makes like $80,000 a year and picked a high deductible plan.

@clearaflagrantj
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Philoktetes posted...

why do millennials think theyre entitled to free health care

Good point

We should all just get so sick that we can't get to work, lose our jobs, and then just die

To appease gen x or the baby boomers or w/e
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iClockwork posted...

Should have been a little more responsible and saved some money. $1,000 isn't a lot.

What a stupid ass post and completely out of touch with reality
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The Great Muta 22 posted...

iClockwork posted...

Should have been a little more responsible and saved some money. $1,000 isn't a lot.

What a stupid ass post and completely out of touch with reality

TC makes like $80,000 a year and has made a lot of money from cryptocurrency.
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The Great Muta 22 posted...

iClockwork posted...

Should have been a little more responsible and saved some money. $1,000 isn't a lot.

What a stupid ass post and completely out of touch with reality

ignorance is bliss.
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HypnoCoosh posted...

clearaflagrantj posted...

I was convulsing with a 102-103 fever, turned out to be pneumonia. Would have gone to urgent care but it was Easter Sunday and everywhere was closed except the ER.

Yeah that sucks. Urgent is so much cheaper.

Bad deal man but you're alive.

yea man totally ur alive why you complaining huh

$6500 deductible for a single person?!? Holy shit. What comes out of your pay every two weeks?
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@Shuto-uke posted...

Balrog0 posted...

wait was it not covered or have you not met your deductible?

They have several ways to get you.

The first one is the deductible. If you have a high deductible you're fucked.

If your deductible has been paid (by you), they can still refuse to cover certain procedures, or they can refuse to cover certain medications, or my favorite, they can choose to cover up to an amount "they consider reasonable".

True story, if you have a mole you need to have looked at, and turns out they may have to take a biopsy to see if it's benign or not (not ER, I know, but still medical expenses) . that implies a topical painkiller, a painkiller shot, shaving your mole with a blade, antiseptic, and then the laboratory work to analyze the mole.

I had that. The price was $200. My fucking insurance told me they would only cover $20. TWENTY DOLLARS?! Do they expect the doctor to use vodka as painkiller and antiseptic and use some blade they found in a dumpster?!

listen here bro, that shit is bonkers. i work in insurance. before my current position i was the guy that processed all the medical bills

the agreement that insurance companies and healthcare services have is heinous

an ambulance trip is gonna run you a thousand dollars, minimum, every single time no exceptions. our system dictates that we would only reasonably provide the insured like $237

and the initial prices of the procedures is awful too. $50 for a hot/cold pack. just so the insurance companies can negotiate it down to $10

man

Yeah its fucked up.

Its why Im literally terrified to go to the doctor or anything. The absolute last thing I need is to get slammed with bills. Even with my good insurance at work (which is actually the one thing that keeps me at this shitty, low-paying job).

Sometimes... I really hate this country.
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FLUFFYGERM posted...

legendary_zell posted...

FLUFFYGERM posted...

if TC's income was average or less they'd have even waived the costs depending on the state he's in

Why are you attacking the OP in a bid to ignore the fact that the system is clearly messed up? The services he got simply should not cost that much overall and should not have cost him that much. There's proven better ways to do it, but you are focused on attacking the victim of a broken mess.

In any other circumstance you'd laugh at someone who is financially stable complaining about a cost. TC is not an example of the system being messed up. His costs are a very small percentage of his income and net worth.

How much should it have costed for immediate high-quality care?

His level of compensation even coming into the picture at this level is evidence of how broken the system is. It shouldn't be anywhere near a deductible. I wouldn't laugh nearly regardless of how much he made because he shouldn't be paying $1500 for that, period. His costs are the problem, both in terms of the fact that our prices are opaque and incredibly inflated, and the fact that he is expected to pay out of pocket for something we could cover with taxes like a rational 1st world country.
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Yeah, We could have ended this nightmare of a healthcare system if that piece of human garbage John McCain wasnt a globalist fuck.

It sucks, because the people dont want Obamacare. It never did work. It was just another half-step toward communism.
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FrenchCrunch posted...

@Shuto-uke posted...

Balrog0 posted...

wait was it not covered or have you not met your deductible?

They have several ways to get you.

The first one is the deductible. If you have a high deductible you're fucked.

If your deductible has been paid (by you), they can still refuse to cover certain procedures, or they can refuse to cover certain medications, or my favorite, they can choose to cover up to an amount "they consider reasonable".

True story, if you have a mole you need to have looked at, and turns out they may have to take a biopsy to see if it's benign or not (not ER, I know, but still medical expenses) . that implies a topical painkiller, a painkiller shot, shaving your mole with a blade, antiseptic, and then the laboratory work to analyze the mole.

I had that. The price was $200. My fucking insurance told me they would only cover $20. TWENTY DOLLARS?! Do they expect the doctor to use vodka as painkiller and antiseptic and use some blade they found in a dumpster?!

listen here bro, that shit is bonkers. i work in insurance. before my current position i was the guy that processed all the medical bills

the agreement that insurance companies and healthcare services have is heinous

an ambulance trip is gonna run you a thousand dollars, minimum, every single time no exceptions. our system dictates that we would only reasonably provide the insured like $237

and the initial prices of the procedures is awful too. $50 for a hot/cold pack. just so the insurance companies can negotiate it down to $10

man

they're basically colluding to bleed people dry, it should be a crime

southcoast09 posted...

globalist

stopped reading there.

Go to 4chan with your alt right garbage