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#1
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Yeah man, heart surgery could indeed be a $250k bill. Sucks your plan had such a high deductible. So insurance covered hundreds of thousands of dollars though? Nice, hell yea And it is also nice that you have some choices on insurance plans, I guess you learned to look for a good one? I’ve also had co-workers who have left jobs for less pay but better benefits. That’s our responsibility as adults, because once again, health insurance is not a human right I am lucky I haven’t had such a life threatening event. I am confident I would do my best to survive as you did. I don’t invite life’s challenges on myself, but I don’t back down from them either And yes, I am middle class. What government program was I pushing again? | |||
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#2
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#4
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I feel like maybe we got off track though friend, this thread is about vaccine injury! A serious epidemic in America felt by literally dozens of people! Fortunately for us, the HRSA is here to help, and by providing basically any evidence whatsoever that you've been injured by a vaccine, the median payout is over $770,000! I've put more thought into it friend! The only reason people aren't petitioning the HRSA for their payouts is because they prefer the government keeps that money! That's altruistic! I never realized how much support government programs have! Good on you! Have a stellar day and keep on truckin'! | |||
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#5
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@unshunghero health insurancce in america sux and the VA is the worst of the worst of the worst even if ur a triple times combat wounded veteran it's only barely adequate
don't point at your anecodotal ortho bill for 1k and be like 'yay' also don't u live in cali or OR or some gay stay with double down insurance antifraud laws? or something really lame? anyway go move to missisipi, get something terminal or life threatening then tell me how the ride on out to hospice is so fun and cheap suicides are at an all time high my pals | ||
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#6
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So many Americans are one bad day from total financial and mental ruin due to the health insurance system, and most don't even realize it.
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#7
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I’m praying for you guys right now.
Your lives have value, and your health is worth investment so you can continue to add value it’s darkest before the dawn - the storm can’t last forever. | ||
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#8
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I ate a small fresh avocado salad. I still feel like shit and downed a few nsaids. Today fucking sux. You're right tho. Invest in your bodies. They are what you will use to carry your shields until your shields carry you. | |||
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#9
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I don’t want to make it seem like I am championing our healthcare system or saying it’s perfect because I’m not
I’ll re-say my original points: 1. Healthcare costs are very expensive in the USA, which is why I said my surgery seemed very reasonable, which was surprising to me 2. Because the costs are so high, I highly recommend finding some form of health insurance plan for yourself, whether that’s Medicaid, Medicare, or health insurance through your work or the insurance marketplace, and making sure ahead of time that your procedure is within your network. If it is within your network, and it’s not cosmetic like laser eye surgery or a boob job, there is a really good chance it will be covered by your health insurance minus your deductible. Otherwise, if you didn’t go through your insurance, you pay the entire thing, good luck with that 3. Despite one person’s story of his heart almost exploding and having a hard time with his insurance over it, for the vast majority of people, their health insurance is not going to take them to court, then drop them from their plans after a procedure, even an expensive surgery 4. Socialized medicine for all not just the poor and old is simply too expensive to do in the USA, and I have not found a proposal of managing that cost that has convinced me otherwise | ||
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#10
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Oh one last point, in regards to costs, and the importance of having insurance:
From looking at or hearing about other procedures, it appears that there is a back and forth negotiation that occurs between both the socialized (Medicare, Medicaid) and private insurances and the biller. There will be an original statement like “you owe x”. Then some unseen haggling/negotiation occurs and often another statement will come saying “you now owe y”. The health insurance still hasn’t paid anything yet, but in cases I’ve seen due to that negotiation, the next statement can be half or less as much as the original Two things I am not sure in about in regards to this negotiation between payer and biller: 1. It very well might be a factor in healthcare costs. Not sure if the biller artificially inflates the cost expecting the paying insurance to lowball them. Sort of a chicken or the egg argument, was the lowballing driving the costs up or was it a result of the high costs? 2. I do not know if you are even able to do this price negotiation as an out of pocket payer. If not, that is a HUUUUGE reason to try to have health insurance | ||
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