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Person Starts A Discussion Online After Having To Pay $8k For Going To The Hospital For A Hurting Arm Despite Being Insured
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Person Starts A Discussion Online After Having To Pay $8k For Going To The Hospital For A Hurting Arm Despite Being Insured

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Being able to go to a doctor and receive medical care should be a basic human right, and it is in most countries. Sadly, in the United States, medical care could be compared to a luxury like a brand new car rather than a right, because so many people just simply can’t afford it. And even if you do have insurance, it’s not guaranteed that your situation is better.

An Imgur user thought they were so lucky to finally get healthcare insurance because of their husband’s new job, but they soon had to find out that it didn’t really cover much. A trip to the ER for a hurt arm during a fall will still cost $8k, and the arm wasn’t even broken.

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    Imgur user meyo hurt their arm and went to the ER to get it checked, then got an $8k medical bill despite being insured

    Image credits: meyo

    They were overjoyed to have health insurance, but turns out, it didn’t help that much

    Meyo was so happy to finally have health insurance because it’s such a big deal in the United States. Medical debt contributes to a large part of bankruptcies in the country and having insurance should provide protection against the costs of medical services.

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    An online survey conducted in 2019 by Economic Times revealed that 48 percent of insured people are dissatisfied with the features and benefits of their policies. So maybe having insurance is better than not having it, but the statistics prove that insurance policies need improvement.

    For being X-rayed, a painkiller pill, and a bandage, the bill was $10k, and with insurance and the ER lowering the amount, it was still $8k

    However, the joy soon faded away when after a trip to a hospital, meyo got the medical bill. It was for $8,000 and that came as a shock. Turns out, the insurance covered only $800 of the $10,000 bill and then the ER lowered the amount a little bit more.

    The reason for going to the ER wasn’t even serious enough to justify the amount that was charged in the first place. The Imgur user fell and hurt their arm. It was hurting so bad that they thought it had broken, so at the hospital, they had two X-rays done, which confirmed that no bones were broken, given a painkiller, and a bandage.

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    Meyo even started blaming themselves for going to the ER and trusting that their health insurance would help

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    Meyo tried calling the insurance company but they couldn’t get in touch. What’s worse, they are blaming themselves for going to the hospital because now their family has to deal with the huge bill. This is really sad because no one should feel guilty for wanting to take care of their health.

    The health insurance should have left them relieved; it should have meant that they didn’t have to worry about it anymore, because if an accident happened, they wouldn’t need to think about what would happen if they can’t afford it.

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    Some comments had useful advice, so meyo will try to find out if the situation can be fixed

    Image credits: meyo

    However, there is still hope. People who have read this story were advising meyo to ask for an itemized bill from the hospital and check its financial aid policies. After the encouragement in the comments, the writer and their husband were assured that this situation is not right and they have to get to the bottom of this.

    All in all, readers were astounded and felt sorry for what meyo is going through. And non-Americans find it really hard to believe that people can be tortured like this for basic needs.

    People in the comments were just as frustrated and sorry for what happened to meyo

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    Jurgita Dominauskaitė

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    Jurgita Dominauskaitė

    Jurgita Dominauskaitė

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    Having started as a content creator that made articles for Bored Panda from scratch I climbed my way up to being and editor and then had team lead responsibilities added as well. So it was a pretty natural transition from writing articles and titles as well as preparing the visual part for the articles to making sure others are doing those same tasks as I did before well, answering their questions and guiding them when needed. Eventually I realized editing gives me the most enjoyment and I'm focusing only on that right now.

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    Lukas Garnelis

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    Lukas is a photo editor at Bored Panda. 4th year in Vilnius Gediminas Technical University as a graphic designer. Can do whatever he sets his mind to.

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    Nicholas Yu
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Idiots will tell you that free healthcare is of poor quality to dissuade you from ever wanting universal health care. I have friends who have flown to other countries, took a vacation, stayed in hotels, for the sole purpose of getting medical work done overseas and it was STILL cheaper than getting it done in their own home states. Same quality.

    Artime Silk
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Yep and any time you tell them about it they say 'Canada and the Scandinavian countries are failing because of this you know?'. Idiot is the correct term yes

    Load More Replies...
    BusyLizzy
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    This would be one of my worst nightmares. In the last 5 years I've had a baby, a mammogram and biopsy, appendicitis with surgery and a 4 night hospital stay. The only thing it's cost me is £9 for each prescription. If I had to live in fear of not being able to pay for medical care for my child I don't know how I'd cope. Why is this acceptable? What am I missing?

    Leo Domitrix
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    It is not acceptable to the people. But the politicians in the pay of Big Insurance Companies LOVE this. For some reason, people here in the US keep re-electing the (profanities). And since we seem to be unable to get out of it ("Obamacare" was gelded by Congress, the insurer lobbyists, and the state governors in the grand pissing match that leaves us people all pissed on and pissed *off*)..... Yeah, I'm all for a revolution myself.

    Load More Replies...
    Christine M Quigley
    Community Member
    3 years ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Don't EVER pay the first bill. Call billing and ask for an itemized bill. Then you can argue the ridiculous charges. I worked in health care for almost 50 years, thank God I have great insurance being retired- but yeah...ask for that itemized bill...

    Jennie-Lind Normand
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    I'm not American but I have heard of peoples bills being reduced to zero after asking for an itemized bill!

    Load More Replies...
    Ryan-James O'Driscoll
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    I had cancer as a teenager, and I'm diabetic as an adult. I can't help but think that if I was American mine and my family's whole live would just be write offs, stuck in a never ending cesspit of medical debt. If indeed I was alive at all.

    A Head
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    My wife and I (USA) own a business together, so we buy our own insurance. We pay about $1,300 a month (nearly as much as our mortgage) for coverage for our family of 4. For that money, we get one "free" well-check visit per year, and have to pay about $14,000 as a family, "out-of-pocket", before our costs are covered in any meaningful way. Sure we get a bit of a discount if we go "in-network". Last year was great! Because my wife had cancer, and breast reconstruction, we met our maximum out-of-pocket! I was finally able to go to see my dermatologist, and have some suspicious things removed and tested. Yay! we only had to pay $29,000 to get there. The US insurance system is a joke.

    Hannah Edwards
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    What’s the point of health insurance if you still have to pay so much? Americans should be marching in the streets demanding a health service free at the point of delivery. I mean it’s not like you don’t have lots of other countries who have it to see if it works. Businesses and greed are preventing them having something that is literally seen as a right in most countries and propaganda paid for by said businesses is trying to make them believe it’s for their own good. Madness.

    somnomania
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    yeah, the problem is that a few talking heads or big wig politicians go "but *someone* has to pay for it, where does the money come from?!" and then the media runs with it and people get scared. we do have lots of excellent examples from other countries, but that would involve looking outside our own country. :(

    Load More Replies...
    TheReader19
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    There is no way in heck that the hospital can justify a $10,000 bill of even $8'000 for that matter. A packet of Ibuprofen must only cost $1.00 if that. (Comparing to UK cost). I can see why the insurance company paid what it did; in truth surely that is what the treatment was worth

    JennyLaRue
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    £8k for what must just be a consultation, a few x-rays and some meds. There is just no way that can cost even close to that.

    Load More Replies...
    Oliver Seitz
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    But still GOP tells their brain weak minions that healthcare for everyone is socialism. Fun fact: republican voters still fall for that "socialism" false argument to stay poor, uneducated and without Healthcare instead of demanding changes.

    Carol Emory
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Don't call the insurance company, call up the hospital and tell them you want an itemized bill. Then nit-pick that bill. They are required to explain costs. Don't ask them what they would have billed to Medicare or Medicaid...ask them what Medicare/Medicaid would have PAID them for these items. Then ask them to explain why you are being charged more than they would have accepted from Medicare/Medicaid. You can usually knock 50-70% of the bill down just by being aggressive in asking questions. Also, do some research online. There is a woman that explains how she got her husbands hernia operation reduced from $43,000 to under $10,000 with just a few phone calls and well placed questions.

    The Dave
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Ok, rather than just bitching about the health care system like most folks, here's some advice. Do like what Christine Quigley said. Don't pay the first bill. Call and tell the hospital you can't afford that bill. Stick to your guns. They should work with you.

    Freya the Wanderer
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Don't agonize, organize! Pester your elected officials and demand an overhaul of our TFU health (don't) care system. Call their offices, text them, tweet them, send them postcards. Create and sign petitions. Organize protests. March thousands strong. Remind the twits in Congress that WE THE PEOPLE are in the long run more powerful than the Big Pharma fat cats because we have the votes!

    Load More Replies...
    Martin Forbes
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    I feel sorry for Americans who need to stay in hospital for Covid related symptoms, only to thankfully get better, but be paying for the remainder of their lives this ridiculous, unnecessary debt back to the very medical institution that was meant to make them better in the first place.

    Leo Domitrix
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Hospital ERs charge insured people absurd amounts b/c medicare/aid will NOT cover or pay all that people think it will, so everyone who comes in and doesn't pay? Yeah, the rest of us end up getting ridiculous bills, and paying $200 for a freaking ibuprofen or similar. If that doesn't tell you American health care funding is broken, then nothing ever will.

    Happy Panda
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Oh yeah, those high deductible plans will get you every time. Having "real health insurance" only means there is an eventual limit to what you'll pay. Tips for anyone who is new to health insurance: 1. Take the time to familiarize yourself with your new policy, including coverage, deductibles, networks, and out of pocket maximum. 2. Make sure you know what hospitals, urgent cares, and doctors are in-network. 3. Utilize urgent care whenever possible, rather than the ER (which sometimes, won't be avoidable, I know). 4. Look into an HSA. If you have a HDHP, you can put a portion of your paycheck into a health savings account. The money comes out automatically, before taxes, and if you don't use it, you do NOT lose it. 5. Take advantage of every free wellness benefit, including an annual physical with blood work, mammograms/colon cancer screenings, nutrition counseling, smoking cessation help, etc. Get your money's worth AND help prevent bigger bills down the road. GOOD LUCK!

    Happy Panda
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Oh and check out Care Credit. Sure it sucks to have to finance Healthcare but they do interest-free payments with a lot of providers. Not every hospital/doctor takes it, but you can search for those who do in your area.

    Load More Replies...
    Franziska
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    It's crazy. So many US citiziens brag about how great their country is, and how it is the best in the world. Full of bs! People can't even get treated for a common flu without their bank account being stripped. I live in denmark and sure we pay a huge amount of taxes, but lest be honest I'm completely happy with doing so. I can go to any doctor of my choosing... hell I can even get surgery without it costing me a dime. But sure US you got this!!

    Mieke Sorée
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    I have had tje exact same injury. Went to the ER, got X-rayed, my arm was bandaged and that was that. Don't think I ever saw any bill. Ofcourse, I'm in Europe.

    lazy panda
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    I was charged $2,000 for an appointment and IUD insertion at the Mayo Clinic AFTER insurance. 8K for a few x-rays and a bandage seems about right.

    Load More Replies...
    Stephanie Keith
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    That's all we do is discuss it. Honestly I feel like that's all we can do. Yet nothing will ever be done about it. Because we are so beat up as people, well regular folks in this country. We have been made to feel worthless and less than and we kind of just accept that this is how it is. Then there are those incomplete denial about it our own people and tell us it's our fault that it is the way it is. Which is an entirely different subject. But I feel like because we've been so beat down and made to feel this way that's all we do is speak on it. We have enough courage to just speak on it but actually doing anything to change it or fix it is futile.

    Zaza
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Where I live this would have cost a maximum total of €385. The max they're allowed to charge you is 385 a year. Regardless of how many doctors you see, x-rays and tests you have done, how many hospital stays you have and what kind of meds you need. Insurance is mandatory for everyone, it will cost you 125-is a month and you will never ever pay more than the 385 a year unless you willingly choose to up it with a couple hundred. Even then the max you can up it with is 500

    CA3
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    As a comparison, 125 EUR is about 150 USD per month. I pay a little more than that for healthcare for myself only and I'm only paying 20% of the monthly cost. My company pays the other 80%. In the USA, my insurance is rightfully considered topnotch, despite the cost being SO much more than what you pay in your country. Thanks for sharing.

    Load More Replies...
    A
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Insurance companies have brainwashed the American public into thinking universial healthcare is a terrible, scary thing where you're ot allowed to make decisions about your own care. It's not. Everyone gets the care they need no matter their financial situation. No one has to lay awake at night worring about paying for an xray. Americans deserve better.

    Dina Zikopoulos
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    literally waiting with MIL to fill prescriptions after going to ED. blood work, urinalysis, CAT Scan. $0.00. her prescriptions will cost $6.00 for both. I am Canadian.

    Artime Silk
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    How is it that Republican voters can think universal healthcare is such a bad idea? Why is sharing the tax burden so much of an issue for these people than spending billions building a wall or even worse, on war funds? So going to war to kill outsiders is ok but healthcare reform so everyone can be taken care of is socialistic and evil? Jeez

    Guido Pisano
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    would have cheapier to take a plane come in eu get visited in our "socialist" er and then fly back

    Rissie
    Community Member
    3 years ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    It is not about free medical care. There is no such thing. It is about sound regulation. The whole fact that if you ask them to itimize the bill, it can become to a level that comes in the vicinity of the actual cost is what you should be focused on. They want to charge the most to insurance companies, who in their turn charge the costs to large companies. Because that used to work. The extremes ar just now so far apart, because of this regulatory vacuum, that everything is escalating.

    Easily Excitable Panda
    Community Member
    3 years ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    I don't have insurance, so I avoid going to the hospital unless I'm on my deathbed. My worry then is that I'll survive and have to pay the bill. I'm so grateful for my COVID-19 vaccine (and that it was free!), because I don't want to die, and I don't want to have to pay thousands of dollars to save my life. What a choice.

    Eslamala
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Before americans start whining about this post, there's a huge difference between being rightfully annoyed from constantly being reminded of facts you don't want to hear/see/understand, and complaining about people who comment on those facts that show your country is far for being as great as you've been brainwashed to believe. Btw, if you're constantly whining and throwing tantrums at all the "anti american posts", why do you keep visiting this clearly anti-murican site?

    Leo Domitrix
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    @Eslamala, meanwhile, if one of us "muricans" notes that we are aware of the issues, we strive for better, we do NOT have a hive-mind, and we do know about other countries (b/c we do leave the US, shockingly).... there is no acknowledgement, just repititions of "shithole country". And we're not whining about the post. We're angry we can't reclaim healthcare. There is a HUGE DIFFERENCE, to quote our dear anti-American friend. Know the phrase "ugly American"? @Eslmala , you are the ugly (your nationality). Why you relish your hatred of America, I neither know nor care. I simply point out that whilst you are busy hating America, you overlook Russia's grand plans for its self-aggrandizing leader to stifle free speech and free press and invade neighbors; you overlook Chinese exploitation in Africa and in South America, to gain rare minerals, but being anti-Muslim and crushing Hong Kong, and claiming China is now the world's big superpower; you overlook the Uruguayan massacre of (see 2)

    Load More Replies...
    Kelley Clough Mountain
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    I refused to go to the ER when I had a kidney stone. I wasn't paying the 500 dollar co-pay to just walk in the door. Suffered for 24 hours in excruciating pain before the stone passed. God knows what else the insurance wouldn't cover that I would have been on the hook for.

    Alethea Brock
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Ok, if you have insurance and you went to an in-network provider, they are not legally (in the U.S.) allowed to do what is called balance billing. That's where they charge you for the amount the insurance co doesn't pay. That's bc the provider (doctor, ER) has agreed to charge that amount. Doesn't meant they don't do it frequently bc people don't know and will pay the difference. Talk to your insurance and they should explain this to you.

    Lubica Acker
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    I think the rest of the developed countries should throw a revolution on behalf of Americans - We'll fight the stupidity for you ♥

    Beautifulnoodle
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Yup. Something very similar happened to me. Getting sick in America is a death sentence. The medical stuff I have been deal with it's a miracle I'm still alive. I made one simple mistake. I got sick. Almost year and a half later and I still don't have a diagnosis. Lovely!

    Deborah B
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Americans need to form class action lawsuits against their Health Insurers, and their hospitals, because the way they are treated and price gouged is so wrong. Free/affordable healthcare is a human right. It's really sad the way Americans have been brainwashed against nationalised healthcare, because all of them would be better off. Two x-rays, and ibuprofen, and a bandage should work out at under $200 in a fairly priced user-pays model. Get an itemised bill every time, because they pad the first bill like a m**********r.

    kjorn
    Community Member
    3 years ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    people need to riot about that in America. that would be a good reason to raid the capitol! that! i would understand. maybe lower your military budget and get that to healthcare would help.

    Leah Dickerson
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    I had a kidney infection in January, was sent home then called back to the same ER 48 hrs later because of what they found in their labs, I owe them 8,538, it's literally cheaper to die in our country

    Artime Silk
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    My mum broke her finger 10 yrs ago and refused to get it seen by an American physician, actually insisting on going back to Canada where she's a citizen to get it checked out. :( yes the finger was broken, yes it set wrong but she was insistent.

    Tres D
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    The lesson here is don't go to the ER for a "sore arm"! It's for Emergencies!

    ƒιѕн
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    My doctors office has told me, it;s going to be cheaper for me to not have insurance.

    Meme Mee
    Community Member
    3 years ago

    This comment is hidden. Click here to view.

    Too bad you didn't die. That way you wouldn't have to worry about your medical bills. Better yet buy a gun and blow your brains out; that will solve everything.

    Erik
    Community Member
    3 years ago

    This comment is hidden. Click here to view.

    I don't believe this for a second I don't have insurance and it's not that expensive not even close

    Nicholas Yu
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Idiots will tell you that free healthcare is of poor quality to dissuade you from ever wanting universal health care. I have friends who have flown to other countries, took a vacation, stayed in hotels, for the sole purpose of getting medical work done overseas and it was STILL cheaper than getting it done in their own home states. Same quality.

    Artime Silk
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Yep and any time you tell them about it they say 'Canada and the Scandinavian countries are failing because of this you know?'. Idiot is the correct term yes

    Load More Replies...
    BusyLizzy
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    This would be one of my worst nightmares. In the last 5 years I've had a baby, a mammogram and biopsy, appendicitis with surgery and a 4 night hospital stay. The only thing it's cost me is £9 for each prescription. If I had to live in fear of not being able to pay for medical care for my child I don't know how I'd cope. Why is this acceptable? What am I missing?

    Leo Domitrix
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    It is not acceptable to the people. But the politicians in the pay of Big Insurance Companies LOVE this. For some reason, people here in the US keep re-electing the (profanities). And since we seem to be unable to get out of it ("Obamacare" was gelded by Congress, the insurer lobbyists, and the state governors in the grand pissing match that leaves us people all pissed on and pissed *off*)..... Yeah, I'm all for a revolution myself.

    Load More Replies...
    Christine M Quigley
    Community Member
    3 years ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Don't EVER pay the first bill. Call billing and ask for an itemized bill. Then you can argue the ridiculous charges. I worked in health care for almost 50 years, thank God I have great insurance being retired- but yeah...ask for that itemized bill...

    Jennie-Lind Normand
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    I'm not American but I have heard of peoples bills being reduced to zero after asking for an itemized bill!

    Load More Replies...
    Ryan-James O'Driscoll
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    I had cancer as a teenager, and I'm diabetic as an adult. I can't help but think that if I was American mine and my family's whole live would just be write offs, stuck in a never ending cesspit of medical debt. If indeed I was alive at all.

    A Head
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    My wife and I (USA) own a business together, so we buy our own insurance. We pay about $1,300 a month (nearly as much as our mortgage) for coverage for our family of 4. For that money, we get one "free" well-check visit per year, and have to pay about $14,000 as a family, "out-of-pocket", before our costs are covered in any meaningful way. Sure we get a bit of a discount if we go "in-network". Last year was great! Because my wife had cancer, and breast reconstruction, we met our maximum out-of-pocket! I was finally able to go to see my dermatologist, and have some suspicious things removed and tested. Yay! we only had to pay $29,000 to get there. The US insurance system is a joke.

    Hannah Edwards
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    What’s the point of health insurance if you still have to pay so much? Americans should be marching in the streets demanding a health service free at the point of delivery. I mean it’s not like you don’t have lots of other countries who have it to see if it works. Businesses and greed are preventing them having something that is literally seen as a right in most countries and propaganda paid for by said businesses is trying to make them believe it’s for their own good. Madness.

    somnomania
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    yeah, the problem is that a few talking heads or big wig politicians go "but *someone* has to pay for it, where does the money come from?!" and then the media runs with it and people get scared. we do have lots of excellent examples from other countries, but that would involve looking outside our own country. :(

    Load More Replies...
    TheReader19
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    There is no way in heck that the hospital can justify a $10,000 bill of even $8'000 for that matter. A packet of Ibuprofen must only cost $1.00 if that. (Comparing to UK cost). I can see why the insurance company paid what it did; in truth surely that is what the treatment was worth

    JennyLaRue
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    £8k for what must just be a consultation, a few x-rays and some meds. There is just no way that can cost even close to that.

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    Oliver Seitz
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    But still GOP tells their brain weak minions that healthcare for everyone is socialism. Fun fact: republican voters still fall for that "socialism" false argument to stay poor, uneducated and without Healthcare instead of demanding changes.

    Carol Emory
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Don't call the insurance company, call up the hospital and tell them you want an itemized bill. Then nit-pick that bill. They are required to explain costs. Don't ask them what they would have billed to Medicare or Medicaid...ask them what Medicare/Medicaid would have PAID them for these items. Then ask them to explain why you are being charged more than they would have accepted from Medicare/Medicaid. You can usually knock 50-70% of the bill down just by being aggressive in asking questions. Also, do some research online. There is a woman that explains how she got her husbands hernia operation reduced from $43,000 to under $10,000 with just a few phone calls and well placed questions.

    The Dave
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Ok, rather than just bitching about the health care system like most folks, here's some advice. Do like what Christine Quigley said. Don't pay the first bill. Call and tell the hospital you can't afford that bill. Stick to your guns. They should work with you.

    Freya the Wanderer
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Don't agonize, organize! Pester your elected officials and demand an overhaul of our TFU health (don't) care system. Call their offices, text them, tweet them, send them postcards. Create and sign petitions. Organize protests. March thousands strong. Remind the twits in Congress that WE THE PEOPLE are in the long run more powerful than the Big Pharma fat cats because we have the votes!

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    Martin Forbes
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    I feel sorry for Americans who need to stay in hospital for Covid related symptoms, only to thankfully get better, but be paying for the remainder of their lives this ridiculous, unnecessary debt back to the very medical institution that was meant to make them better in the first place.

    Leo Domitrix
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Hospital ERs charge insured people absurd amounts b/c medicare/aid will NOT cover or pay all that people think it will, so everyone who comes in and doesn't pay? Yeah, the rest of us end up getting ridiculous bills, and paying $200 for a freaking ibuprofen or similar. If that doesn't tell you American health care funding is broken, then nothing ever will.

    Happy Panda
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Oh yeah, those high deductible plans will get you every time. Having "real health insurance" only means there is an eventual limit to what you'll pay. Tips for anyone who is new to health insurance: 1. Take the time to familiarize yourself with your new policy, including coverage, deductibles, networks, and out of pocket maximum. 2. Make sure you know what hospitals, urgent cares, and doctors are in-network. 3. Utilize urgent care whenever possible, rather than the ER (which sometimes, won't be avoidable, I know). 4. Look into an HSA. If you have a HDHP, you can put a portion of your paycheck into a health savings account. The money comes out automatically, before taxes, and if you don't use it, you do NOT lose it. 5. Take advantage of every free wellness benefit, including an annual physical with blood work, mammograms/colon cancer screenings, nutrition counseling, smoking cessation help, etc. Get your money's worth AND help prevent bigger bills down the road. GOOD LUCK!

    Happy Panda
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Oh and check out Care Credit. Sure it sucks to have to finance Healthcare but they do interest-free payments with a lot of providers. Not every hospital/doctor takes it, but you can search for those who do in your area.

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    Franziska
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    It's crazy. So many US citiziens brag about how great their country is, and how it is the best in the world. Full of bs! People can't even get treated for a common flu without their bank account being stripped. I live in denmark and sure we pay a huge amount of taxes, but lest be honest I'm completely happy with doing so. I can go to any doctor of my choosing... hell I can even get surgery without it costing me a dime. But sure US you got this!!

    Mieke Sorée
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    I have had tje exact same injury. Went to the ER, got X-rayed, my arm was bandaged and that was that. Don't think I ever saw any bill. Ofcourse, I'm in Europe.

    lazy panda
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    I was charged $2,000 for an appointment and IUD insertion at the Mayo Clinic AFTER insurance. 8K for a few x-rays and a bandage seems about right.

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    Stephanie Keith
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    That's all we do is discuss it. Honestly I feel like that's all we can do. Yet nothing will ever be done about it. Because we are so beat up as people, well regular folks in this country. We have been made to feel worthless and less than and we kind of just accept that this is how it is. Then there are those incomplete denial about it our own people and tell us it's our fault that it is the way it is. Which is an entirely different subject. But I feel like because we've been so beat down and made to feel this way that's all we do is speak on it. We have enough courage to just speak on it but actually doing anything to change it or fix it is futile.

    Zaza
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Where I live this would have cost a maximum total of €385. The max they're allowed to charge you is 385 a year. Regardless of how many doctors you see, x-rays and tests you have done, how many hospital stays you have and what kind of meds you need. Insurance is mandatory for everyone, it will cost you 125-is a month and you will never ever pay more than the 385 a year unless you willingly choose to up it with a couple hundred. Even then the max you can up it with is 500

    CA3
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    As a comparison, 125 EUR is about 150 USD per month. I pay a little more than that for healthcare for myself only and I'm only paying 20% of the monthly cost. My company pays the other 80%. In the USA, my insurance is rightfully considered topnotch, despite the cost being SO much more than what you pay in your country. Thanks for sharing.

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    A
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Insurance companies have brainwashed the American public into thinking universial healthcare is a terrible, scary thing where you're ot allowed to make decisions about your own care. It's not. Everyone gets the care they need no matter their financial situation. No one has to lay awake at night worring about paying for an xray. Americans deserve better.

    Dina Zikopoulos
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    literally waiting with MIL to fill prescriptions after going to ED. blood work, urinalysis, CAT Scan. $0.00. her prescriptions will cost $6.00 for both. I am Canadian.

    Artime Silk
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    How is it that Republican voters can think universal healthcare is such a bad idea? Why is sharing the tax burden so much of an issue for these people than spending billions building a wall or even worse, on war funds? So going to war to kill outsiders is ok but healthcare reform so everyone can be taken care of is socialistic and evil? Jeez

    Guido Pisano
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    would have cheapier to take a plane come in eu get visited in our "socialist" er and then fly back

    Rissie
    Community Member
    3 years ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    It is not about free medical care. There is no such thing. It is about sound regulation. The whole fact that if you ask them to itimize the bill, it can become to a level that comes in the vicinity of the actual cost is what you should be focused on. They want to charge the most to insurance companies, who in their turn charge the costs to large companies. Because that used to work. The extremes ar just now so far apart, because of this regulatory vacuum, that everything is escalating.

    Easily Excitable Panda
    Community Member
    3 years ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    I don't have insurance, so I avoid going to the hospital unless I'm on my deathbed. My worry then is that I'll survive and have to pay the bill. I'm so grateful for my COVID-19 vaccine (and that it was free!), because I don't want to die, and I don't want to have to pay thousands of dollars to save my life. What a choice.

    Eslamala
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Before americans start whining about this post, there's a huge difference between being rightfully annoyed from constantly being reminded of facts you don't want to hear/see/understand, and complaining about people who comment on those facts that show your country is far for being as great as you've been brainwashed to believe. Btw, if you're constantly whining and throwing tantrums at all the "anti american posts", why do you keep visiting this clearly anti-murican site?

    Leo Domitrix
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    @Eslamala, meanwhile, if one of us "muricans" notes that we are aware of the issues, we strive for better, we do NOT have a hive-mind, and we do know about other countries (b/c we do leave the US, shockingly).... there is no acknowledgement, just repititions of "shithole country". And we're not whining about the post. We're angry we can't reclaim healthcare. There is a HUGE DIFFERENCE, to quote our dear anti-American friend. Know the phrase "ugly American"? @Eslmala , you are the ugly (your nationality). Why you relish your hatred of America, I neither know nor care. I simply point out that whilst you are busy hating America, you overlook Russia's grand plans for its self-aggrandizing leader to stifle free speech and free press and invade neighbors; you overlook Chinese exploitation in Africa and in South America, to gain rare minerals, but being anti-Muslim and crushing Hong Kong, and claiming China is now the world's big superpower; you overlook the Uruguayan massacre of (see 2)

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    Kelley Clough Mountain
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    I refused to go to the ER when I had a kidney stone. I wasn't paying the 500 dollar co-pay to just walk in the door. Suffered for 24 hours in excruciating pain before the stone passed. God knows what else the insurance wouldn't cover that I would have been on the hook for.

    Alethea Brock
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Ok, if you have insurance and you went to an in-network provider, they are not legally (in the U.S.) allowed to do what is called balance billing. That's where they charge you for the amount the insurance co doesn't pay. That's bc the provider (doctor, ER) has agreed to charge that amount. Doesn't meant they don't do it frequently bc people don't know and will pay the difference. Talk to your insurance and they should explain this to you.

    Lubica Acker
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    I think the rest of the developed countries should throw a revolution on behalf of Americans - We'll fight the stupidity for you ♥

    Beautifulnoodle
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Yup. Something very similar happened to me. Getting sick in America is a death sentence. The medical stuff I have been deal with it's a miracle I'm still alive. I made one simple mistake. I got sick. Almost year and a half later and I still don't have a diagnosis. Lovely!

    Deborah B
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    Americans need to form class action lawsuits against their Health Insurers, and their hospitals, because the way they are treated and price gouged is so wrong. Free/affordable healthcare is a human right. It's really sad the way Americans have been brainwashed against nationalised healthcare, because all of them would be better off. Two x-rays, and ibuprofen, and a bandage should work out at under $200 in a fairly priced user-pays model. Get an itemised bill every time, because they pad the first bill like a m**********r.

    kjorn
    Community Member
    3 years ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    people need to riot about that in America. that would be a good reason to raid the capitol! that! i would understand. maybe lower your military budget and get that to healthcare would help.

    Leah Dickerson
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    I had a kidney infection in January, was sent home then called back to the same ER 48 hrs later because of what they found in their labs, I owe them 8,538, it's literally cheaper to die in our country

    Artime Silk
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    My mum broke her finger 10 yrs ago and refused to get it seen by an American physician, actually insisting on going back to Canada where she's a citizen to get it checked out. :( yes the finger was broken, yes it set wrong but she was insistent.

    Tres D
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    The lesson here is don't go to the ER for a "sore arm"! It's for Emergencies!

    ƒιѕн
    Community Member
    3 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

    My doctors office has told me, it;s going to be cheaper for me to not have insurance.

    Meme Mee
    Community Member
    3 years ago

    This comment is hidden. Click here to view.

    Too bad you didn't die. That way you wouldn't have to worry about your medical bills. Better yet buy a gun and blow your brains out; that will solve everything.

    Erik
    Community Member
    3 years ago

    This comment is hidden. Click here to view.

    I don't believe this for a second I don't have insurance and it's not that expensive not even close

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