Poll of the Day > Health insurance in america sucks.

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CarefreeDude
08/16/18 1:16:52 PM
#1:


My 1 year old son needed some surgeries, and the insurance company doesn't want to pay for them leaving me with a 120K bill.
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Mike Xtreme
08/16/18 1:26:50 PM
#2:


Sorry to hear that. What happened? Are you sure you don't just have bad health insurance?
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Andromicus
08/16/18 1:27:44 PM
#3:


Have you tried not being poor?
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Mead
08/16/18 1:30:36 PM
#4:


Get a lawyer and appeal that shit
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CarefreeDude
08/16/18 1:31:39 PM
#5:


Andromicus posted...
Have you tried not being poor?


I mean if I were poor, I would have obama care and not pay a dime.
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RedPixel
08/16/18 1:40:41 PM
#6:


Andromicus posted...
Have you tried not being poor?

Troll, much?
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#7
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CarefreeDude
08/16/18 1:51:43 PM
#8:


Zangulus posted...
CarefreeDude posted...
Andromicus posted...
Have you tried not being poor?


I mean if I were poor, I would have obama care and not pay a dime.


Lol you think.

Also why did they deny the claims? Have you attempted to contact them and see what the doctors say?


Back when I was unemployed and had no income, the obamacare insurance completely covered the birth of my kid, and all my wife's appointments and everything; it was nice.

Long story short, my son was born with a cleft lip and pallet. The insurance company determined getting these repaired was "cosmetic" and didn't want to pay for it
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Revelation34
08/16/18 2:14:13 PM
#9:


CarefreeDude posted...

Back when I was unemployed and had no income, the obamacare insurance completely covered the birth of my kid, and all my wife's appointments and everything; it was nice.

Long story short, my son was born with a cleft lip and pallet. The insurance company determined getting these repaired was "cosmetic" and didn't want to pay for it


You got scammed then. There is no way fixing that costs 120k.
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BADoglick
08/16/18 2:15:51 PM
#10:


Revelation34 posted...
CarefreeDude posted...

Back when I was unemployed and had no income, the obamacare insurance completely covered the birth of my kid, and all my wife's appointments and everything; it was nice.

Long story short, my son was born with a cleft lip and pallet. The insurance company determined getting these repaired was "cosmetic" and didn't want to pay for it


You got scammed then. There is no way fixing that costs 120k.


You ever go to a hospital in America? 4 hours in a bed and some saline solution cost me three thousand dollars.
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Dikitain
08/16/18 2:16:48 PM
#11:


Revelation34 posted...
CarefreeDude posted...

Back when I was unemployed and had no income, the obamacare insurance completely covered the birth of my kid, and all my wife's appointments and everything; it was nice.

Long story short, my son was born with a cleft lip and pallet. The insurance company determined getting these repaired was "cosmetic" and didn't want to pay for it


You got scammed then. There is no way fixing that costs 120k.

He is basically given the cost that the hospital gives the insurance company before they negotiate it down to a more reasonable price. If he talked with the hospital, they would probably make him pay like 1/10th that if not less (and put him on a payment plan so it is more manageable).
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TheCyborgNinja
08/16/18 2:18:04 PM
#12:


I don't understand America. So much money but also so much debt and poverty. If the 1% and military-industrial complex were actually reined in, it'd be a beacon of hope rather than a dire warning.
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Zeus
08/16/18 2:19:02 PM
#13:


In free markets, healthcare greatly varies depending on what you can afford and choose to buy. The better healthcare in America is better than public systems elsewhere. However, you have low-end plans and entitlements which tend to be not as great.

CarefreeDude posted...
Back when I was unemployed and had no income, the obamacare insurance completely covered the birth of my kid, and all my wife's appointments and everything; it was nice.

Long story short, my son was born with a cleft lip and pallet. The insurance company determined getting these repaired was "cosmetic" and didn't want to pay for it


You can probably appeal it. And, if you were covered while unemployed (which I assume had less to do with "Obamacare" than it did with Medicaid -- which was signed into law by LBJ and all states have participated in it for decades -- since the proposed Medicaid expansion under the ACA was rejected by many states and, in other cases, merely expanded the criteria to include low-earning employed Americans), you'd still probably be facing some of these challenges.

TheCyborgNinja posted...
I don't understand America. So much money but also so much debt and poverty. If the 1% and military-industrial complex were actually reined in, it'd be a beacon of hope rather than a dire warning.


lolwut? That makes no sense. The two things are completely unrelated.
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Kyuubi4269
08/16/18 2:21:09 PM
#14:


TheCyborgNinja posted...
I don't understand America. So much money but also so much debt and poverty. If the 1% and military-industrial complex were actually reined in, it'd be a beacon of hope rather than a dire warning.

The military is a significant employer btw.
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Scloud posted...
Its like he wants two things at the same time.
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CarefreeDude
08/16/18 2:24:00 PM
#15:


Revelation34 posted...
CarefreeDude posted...

Back when I was unemployed and had no income, the obamacare insurance completely covered the birth of my kid, and all my wife's appointments and everything; it was nice.

Long story short, my son was born with a cleft lip and pallet. The insurance company determined getting these repaired was "cosmetic" and didn't want to pay for it


You got scammed then. There is no way fixing that costs 120k.


3 different procedures, costing about 40K each, including the hopsital stays, anesthesia, etc.
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TheCyborgNinja
08/16/18 2:24:28 PM
#16:


Kyuubi4269 posted...
TheCyborgNinja posted...
I don't understand America. So much money but also so much debt and poverty. If the 1% and military-industrial complex were actually reined in, it'd be a beacon of hope rather than a dire warning.

The military is a significant employer btw.

Because it has been forced to be. You don't think infrastructure maintenance is an ongoing source of employment? There's a lot of need for that and nobody cares.
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CarefreeDude
08/16/18 2:26:26 PM
#17:


Dikitain posted...
Revelation34 posted...
CarefreeDude posted...

Back when I was unemployed and had no income, the obamacare insurance completely covered the birth of my kid, and all my wife's appointments and everything; it was nice.

Long story short, my son was born with a cleft lip and pallet. The insurance company determined getting these repaired was "cosmetic" and didn't want to pay for it


You got scammed then. There is no way fixing that costs 120k.

He is basically given the cost that the hospital gives the insurance company before they negotiate it down to a more reasonable price. If he talked with the hospital, they would probably make him pay like 1/10th that if not less (and put him on a payment plan so it is more manageable).


So far discussing with the hospital has been them not wanting to budge on the cost, but a "willingness" to put me on a payment plan.
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Firewood18
08/16/18 3:14:16 PM
#18:


You're better off flying your son down to South America with a thousand dollars cash in hand. Plenty of doctors down there performing that surgery cheap.
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Mead
08/16/18 3:16:51 PM
#19:


CarefreeDude posted...
Andromicus posted...
Have you tried not being poor?


I mean if I were poor, I would have obama care and not pay a dime.


My wife needed an inhaler and had to pay an $80 copay with our insurance

With Access it would have been completely covered, $0 copay
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Krazy_Kirby
08/16/18 3:31:12 PM
#20:


CarefreeDude posted...
Zangulus posted...
CarefreeDude posted...
Andromicus posted...
Have you tried not being poor?


I mean if I were poor, I would have obama care and not pay a dime.


Lol you think.

Also why did they deny the claims? Have you attempted to contact them and see what the doctors say?


Back when I was unemployed and had no income, the obamacare insurance completely covered the birth of my kid, and all my wife's appointments and everything; it was nice.

Long story short, my son was born with a cleft lip and pallet. The insurance company determined getting these repaired was "cosmetic" and didn't want to pay for it


that is cosmetic
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CarefreeDude
08/16/18 3:43:03 PM
#21:


Krazy_Kirby posted...
CarefreeDude posted...
Zangulus posted...
CarefreeDude posted...
Andromicus posted...
Have you tried not being poor?


I mean if I were poor, I would have obama care and not pay a dime.


Lol you think.

Also why did they deny the claims? Have you attempted to contact them and see what the doctors say?


Back when I was unemployed and had no income, the obamacare insurance completely covered the birth of my kid, and all my wife's appointments and everything; it was nice.

Long story short, my son was born with a cleft lip and pallet. The insurance company determined getting these repaired was "cosmetic" and didn't want to pay for it


that is cosmetic


It's not though.
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Wii3Kings
08/16/18 3:55:31 PM
#22:


I'm sorry to here that. My niece was born with a cleft pallet. It is not cosmetic.
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Revelation34
08/16/18 3:57:36 PM
#23:


BADoglick posted...
You ever go to a hospital in America? 4 hours in a bed and some saline solution cost me three thousand dollars.


"You got scammed then."
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Mead
08/16/18 4:09:58 PM
#24:


Seriously appeal that shit and spread this story on social media. No sane person would consider that an elective cosmetic surgery. This is insurance company corruption plain and simple
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Wii3Kings
08/16/18 4:13:02 PM
#25:


Yeah, the insurance company is wrong and are trying to call it cosmetic when it is not so they don't have to pay for it.
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captpackrat
08/16/18 6:28:09 PM
#26:


CarefreeDude posted...
My 1 year old son needed some surgeries, and the insurance company doesn't want to pay for them leaving me with a 120K bill.


First thing to do is file a complaint with your state's department of insurance. My insurance company tried to stiff me for thousands after I had to have emergency surgery. I wrote to the Nebraska Department of Insurance and they got the insurance company to reverse their decision.
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Krazy_Kirby
08/17/18 7:39:35 AM
#27:


Wii3Kings posted...
I'm sorry to here that. My niece was born with a cleft pallet. It is not cosmetic.


the cleft lip is
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adjl
08/17/18 10:46:43 AM
#28:


Krazy_Kirby posted...
Wii3Kings posted...
I'm sorry to here that. My niece was born with a cleft pallet. It is not cosmetic.


the cleft lip is


Once you get past the age where eating involves sucking on things, you can maybe make that argument. Prior to that point, though, a cleft lip is a fantastic way to end up seriously malnourished.
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BUMPED2002
08/17/18 11:14:22 AM
#29:


CarefreeDude posted...
My 1 year old son needed some surgeries, and the insurance company doesn't want to pay for them leaving me with a 120K bill.

Well I hate to break it to you in this manner but it has always been the GOP that has railed against insurance companies doing what they should do. We pay the most for healthcare than any other industrialized country and we get the least amount of care for all that money.

Healthcare should not be a FOR PROFIT BUSINESS PERIOD!

But understand this our politicians back in the 1970s doomed our fate in regard to healthcare when they signed off on the HMO because the founder of the HMO former Denver Bronco owner Edgar Kaiser told Nixon and his White House Chief of Staff that the reason his HMO would be profitable was THE MODEL HE BUILT IN WHICH KAISER SAID; "CHARGE EM MORE AND GIVE EM LESS CARE"

I hope all works out for you and your 1 year old! Good luck and God speed!
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rexcrk
08/17/18 11:25:52 AM
#31:


This is one of the things that really makes me hate this fucking country.

Im lucky that I have good health insurance through my job, but its literally the only thing keeping me here.

Im legitimately terrified of something happening to me that I cant afford.

Thats fucked up.
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SmokeMassTree
08/17/18 11:29:47 AM
#32:


What state do you live in?

Cleft lip/pallet shouldn't be classified as cosmetic.
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BUMPED2002
08/17/18 11:49:39 AM
#33:


rexcrk posted...
This is one of the things that really makes me hate this fucking country.

Im lucky that I have good health insurance through my job, but its literally the only thing keeping me here.

Im legitimately terrified of something happening to me that I cant afford.

Thats fucked up.

We're all terrified something will happen that we cannot afford medically but if we keep voting in a certain political party that has been in bed with big pharma and insurance companies, it'll stay the same.
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