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Well, maybe not die in the streets, but in my state the best, most expensive health insurance I can purchase still doesn't kick in until I've dropped several th
by 67726e 10y ago
Well, maybe not die in the streets, but in my state the best, most expensive health insurance I can purchase still doesn't kick in until I've dropped several thousand out of pocket.
I get decent insurance through my job, but it's still fucking stupid how much I have to spend before it kicks in. Even then, there are all kinds of clauses and stipulations and loop holes. I guarantee if and when I really need my insurance it will fail me and I'll still come out in debt. There simply is not a "pay money and don't worry" insurance plan out there.
- chris_7 10y agoEven worse, when I go to the doctor, I have no idea what I'm going to pay. You can possible decode it, but good luck - and if he or she sends something to a lab, etc. one day a bill will just show up and you'll just have to pay it. The doctor doesn't say "we can do a lab test, it'll cost you $40" or anything. Imagine if your dry cleaner wouldn't tell you what the charge would be until your clothes had already been cleaned!
- 67726e 10y agoOh, and that bill is probably gonna be full of medical coding mistakes too. Tests and procedures and all kinds of things marked up, put in the wrong category, and so forth. Expect to have to wrestle the insurance and the hospital for corrections.
- cableshaft 10y agoI've had to do that once. I got denied short term medical insurance because they said I had diabetes (this is before Obamacare). I've never had diabetes. I called my doctor and it turned out they coded one of my visits wrong and said I had diabetes, and it had been in everyone's system for at least a couple of years. Wonderful. Got it fixed, at least.
- coryrc 10y agoThey do if you are a Qliance subscriber.