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Post Reply surgeries, insurance, and our experiences,
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23 / F
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Posted 1/11/17
why do we have insurance when it doesn't do anything
scratchthat, unless you havealot of money and have "good" insurance, then they will cover thigns for you
doctors wont even see you unless you have it, and all it does for me and a lot of people is cover a select few meds, and a select few doctors, but what it doesn't cover is what is actually necessary, the medicines that we TRULY need, and the surgeries that we truly need

for example I have seen examples of women at the doctor I am seeing, who had breasts down to their hips, and needed a reduction, OBVIOUSLY, insurance didn't cover it, not a penny

I was in a car accident,so I have a back injury, I have large breasts that are hanging down, neck pain shoulder pain, and it increases my back pain, obviously, I need a reduction and a lift,
it is going to cost me 10 THOUSAND DOLLARS,
well that is more than I make in a YEAR

10 thousand dollars...for what...the doctors time, the tools, cutting my flesh and anastesia
that isn't worth 10k, I can see 5k
not only that I was told the hospital raises its prices every single year, just because, literally just because

why?!
don't even get me started on cancer, we all know the stories about that

I tried applying for care credit,that supposedly helps but I don't even qualify for that,


and with obamacare, if I don't have insurance I have to pay A PENALTY, fo rnot having insurance, with insurance I still have topay
and for what?? absolute shit that's what
isn't that punishment? this country is punishing thepoor and sick. its making it harder for people to get better


so tell me, what is the point of insurance? why the fuck is everything getting more expensive, why are people like me punished, my income is looked at because I HAVE TO SUBMIT IT, and they refuse care, AND refuse care because of the type of insurance I have AND insurance barely covers anything anyways even when needed
like a 500 dollar fucking Er visit for a simple x ray.
fucking
wat

just..ugh

what are your experiences?
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23 / M
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Posted 1/11/17
I live in Aus so i have it pretty damn good here
123 cr points
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Posted 1/11/17
I live in australia - just a preface.

I sliced my hand up pretty badly at work with a wood saw.

Im the director of my company and i had workers compensation cover. This basically covers doctor/medical bills if your guys have an accident at work. This doenst normally cover the directors but i had paid for the extra cover for myself.

I sat in the hospital for something like 4 hours after i told them i was the director of my company because the doctor was too busy to see me... a nurse went past and i was like... just so you know ive got directors cover on my insurance.

She comes back in 5 minutes and says "you can wait here for a couple hours for one of our doctors or go straight to the private hospital where a doctor is waiting for you" guess where i went :/

However recently i saw a sinus doctor about my nose. i dont have private hospital cover but the very first meeting with this specialist he takes a look at everything and before i walked out the door i had already been booked in at a public hospital for the surgery that i need on my nose. I asked him how much it will put me out of pocket - $0. booyah.
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21 / F / The Cat Empire
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Posted 1/11/17
I haven't had any surgery

but healthcare is just so expensive

https://www.youtube.com/watch?v=qSjGouBmo0M
https://www.youtube.com/watch?v=dqLdFFKvhH4
Posted 1/11/17
I don't have this problem as I don't live in the U.S.
Posted 1/11/17
I don't pay that much for insurance. I know some of my friends those who have families (wife/kids) pay up to $1000 per month for their insurance (and that's with a significant deductible of $7,000+). I pay $200 a month for a $2,500 deductible and $35 copay (got it through Healthcare.gov, at that). But, then again, I have no family to worry about either. Seems like those with families get hit harder with deductibles and such as their chance of needing insurance goes up.
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∞ / AI / Cyberspace
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Posted 1/11/17
I'm still on my family's healthcare plan even though Obamacare is supposed to make me get off and get my own.

If I was not on this health care plan along with my grandparents, the shots I have been receiving for the past few months would not have been covered.

The shots are to clear my skin of something I have, and each shot costs $16,000 - $18,000. I started with one per month and am now down to one every 3 months.

My skin is nearly completely cleared with just some discoloration left over. It's like I have a new body, but I wouldn't be able to have experienced what it's like to have normal, comfortable skin if I somehow hadn't slipped through the cracks of the more expensive plan that wouldn't have covered the same thing.

GG
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31 / M
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Posted 1/11/17 , edited 1/11/17
I had to go to the ER for an infection while travelling years ago. They took my temperature, visually inspected the wound, and prescribed antibiotics.

The cost? Around $1,000. I spent more time waiting or on paperwork (at least two hours) than I did getting seen/treated (about 5 minutes).

I forget how much (if anything) my insurance covered since I hadn't met my deductible. But, regardless, $1,000 for a slip of paper letting me buy the pills I already knew I needed.

Bloody healthcare costs in this country...
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21 / F
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Posted 1/11/17 , edited 1/11/17
When healthcare is a business those distributing treatments will try to get away with the highest costs possible, and when one provider supplies the entire market of a drug or material, the can hike the prices up as much as they want. People say then you need to deregulate and thus provide competition but the thing about monopolies is that they are really good at swallowing any upstarting competition and keeping themselves the only ones in the game indefinitely.

Making healthcare universal has been pretty effective but is not without faults, it means that everyone gets to see a doctor, but it also means that you have less options, and more expensive treatments and surgeries will be harder to achieve (longer waits and generally more red tape), but collectively being poor should not keep you from seeing someone, where in America if you're sick and poor you're basically screwed. Medicare is supposed to take care of that problem but Conservative congress has been gutting it for years, and now does not have the funding it needs to meet its demands.

I think the Affordable Care Act has done good for many people, when my father was diagnosed with cancer he couldn't be refused care; as is the case with many people in the most need of healthcare with preexisting conditions facing that barrier right up until it was passed, but it also has done poorly by others. It certainly is not perfect and could use improvement, but trashing it and thinking that the insurance market will keep itself stable and prices down or that we were fine without it is simply naive.

imo we need to adjust the ACA to be capable of handling different situations, it's currently too simplistic for unique cases to be considered, and it should take note of a company's ability to provide healthcare to it's workers. A small business cannot generally provide for the costs that corporations can, but corporations absolutely have the ability to provide insurance for their workers and should be required to do so.
Dragon
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Posted 1/11/17


When I had surgeries, I had really good insurance through my employers. These days I'm an independent contractor, and have mine through the ACA/Obamacare, but haven't had any surgeries since.

I do recall one time, getting out of the hospital after a week there and abdominal surgery, taking one of my walks for the day to also get my mail, where I found a bill from the hospital for over $100,000.. despite my deductible being near maxed out already, despite my yearly maximum, etc. And I'll be honest, I was basically in tears since I had no idea what I was going to do, and that was just one bill that one year (there were many more). Turns out, that was before all the insurance was applied, and eventually that bill was significantly reduced to under $10K, though it still took me quite a while to totally pay off.

Now, being a cancer survivor, insurance used to be prohibitively expensive for me - like $7K per month expensive quoted - so I get you on the whole $10K being out of reach part. Right now, it's only several hundred a month, a decade after being found cancer free, and I only have it in case I get a broken arm so that I don't get hit with a crazy bill.

Do wish we'd follow other the lead of other countries, go with single payer / socialized medicine, since that seems to result in lower costs and higher quality of life, but what do I know. They're trying to get rid of the ACA right now, and I have yet to hear of an actual plan other than "folks won't lose coverage"... but if they remove the parts with the fees and such, rates will shoot up even faster. Guessing I'll be off insurance next year if they follow through with current promises.
Posted 1/11/17 , edited 1/11/17
Medical insurance is completely assbackwards. Imagine when your car breaks down that you went out and got car insurance to cover it. This would be fraud.

Though, prior to the ACA, this would have been the case, too. :-/

You know. The thing that people want to repeal and replace it with nothing

The whole thing is bullshit. We should have had universal healthcare a long time ago, but the profit based industry is a monster and keeps politicians in office that stand in it's way.
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21 / F
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Posted 1/11/17

MakotoKamui wrote:


Now, being a cancer survivor, insurance used to be prohibitively expensive for me - like $7K per month expensive quoted - so I get you on the whole $10K being out of reach part. Right now, it's only several hundred a month, a decade after being found cancer free, and I only have it in case I get a broken arm so that I don't get hit with a crazy bill.

Do wish we'd follow other the lead of other countries, go with single payer / socialized medicine, since that seems to result in lower costs and higher quality of life, but what do I know. They're trying to get rid of the ACA right now, and I have yet to hear of an actual plan other than "folks won't lose coverage"... but if they remove the parts with the fees and such, rates will shoot up even faster. Guessing I'll be off insurance next year if they follow through with current promises.


Cancer absolutely destroys people's savings and income and rarely is the treatment as heavy as it needs to be. My dad has fought prostate cancer since my junior year of highschool, him and my mom lost all their retirement savings pretty much, and since the treatment was so poor for so much he signed on with the National Health Institute to be their patient in return for them running tests on him for research. We just heard back this Xmas that for the first time since it started that he might be actually cancer free.

Sorry you had to go through that, I really hope it stays in place and we can start taking actually productive steps to fix our healthcare.
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19 / M / Palm Coast, Florida
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Posted 1/11/17
Perhaps it is not the same, but I had to go the the hospital to get something checked out (sudden pain that would not stop) , no X-Ray, medicine or any kind of thing like that. It costed me 1,400$, that was with my Dad's VA coverage (he's a disabled veteran). All the doctor asked me was where I felt the most of the pain, and thats all, 1,400$ for that.
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23 / F
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Posted 1/11/17

MonoDreams wrote:

Perhaps it is not the same, but I had to go the the hospital to get something checked out (sudden pain that would not stop) , no X-Ray, medicine or any kind of thing like that. It costed me 1,400$, that was with my Dad's VA coverage (he's a disabled veteran). All the doctor asked me was where I felt the most of the pain, and thats all, 1,400$ for that.


that is precisely what I am talking about


where the fucking hell do they come up with these numbers that we have topay wtf
this countries healthcare is so broken yet we are supposed to be so great, I can go anywhere else and get what I need, I can drive to Canada and get my epipen for less than 80 bucks, possibly even 15 bucks
Dragon
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Posted 1/11/17 , edited 1/11/17

ClothStatue wrote:

Cancer absolutely destroys people's savings and income and rarely is the treatment as heavy as it needs to be. My dad has fought prostate cancer since my junior year of highschool, him and my mom lost all their retirement savings pretty much, and since the treatment was so poor for so much he signed on with the National Health Institute to be their patient in return for them running tests on him for research. We just heard back this Xmas that for the first time since it started that he might be actually cancer free.

Sorry you had to go through that, I really hope it stays in place and we can start taking actually productive steps to fix our healthcare.


For me, it wasn't so much the treatment (chemo) that hit my pocketbook as the surgeries and hospital stays, but so many people I talked with, even those with insurance, were desperately worried about what they'd do next. Would their rates go up to the point they couldn't afford them? After all, most were older - retired or closer to retirement age than I was at the time. I knew that, well, assuming I lived, I'd be working again after and could pay things off - which is what I basically did, even after all the adjustments it was still 10's of thousands out of pocket total. Buddy next to me also getting chemo? He was retired and had to figure out what to do to a) pay off the new expenses and b) pay off increases to his insurance bill.

It's insane. I'm really glad to hear that good news for your dad, but.. this shouldn't be so scary for anyone. There should be a better way!
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