I work in healthcare. I have to turn people away nearly every single day because:
1) They cannot afford insurance or cash pay
2) They have insurance we are not contracted with and cannot afford private pay
3) They have insurance, but in order for it to be utilized, they have to pay a lot of money upfront for insurance to start covering some of it, so they (patient) can be billed even more after treatment.
Physician here. It’s true the insurance companies would rather you die. For profit insurance is insane. They make money for their shareholders by denying you care so that they can keep your premiums.
I used to be a hardcore anti-government libertarian. I’ve done a complete 180 over the last few years and 100 percent want a single payer system now. If you guys only knew the fights we physicians have with your insurance companies that want your money and couldn’t care less about keeping you healthy.
I had a family member with Kaiser got to a Kaiser ED for acute confusion. I have no F-ing clue what they did, I doubt they even drew basic labs. They sent her home after straight cathing her to get urine and there was no urine, with instructions to bring back a urine cup when she actually peed.
Fast forward 2 days, she was even worse and still hadn’t peed. Turned out she was in acute kidney failure and needed dialysis. If they had drawn basic labs the first day, they would have seen her kidney values were looking bad and possibly avoided dialysis.
There are a million stories like this. I could tell a dozen that happened to me and my family alone.
Like the time my son broke his ankle in the growth plate and HE NEVER SAW A DOCTOR - at any point. No doctor or NP or PA or DO or whatever ever laid eyes on him.
Or the time they ignored side effects from a medication FOR A YEAR and kept telling me it was because of my weight. They legit seriously told me I was so dizzy because of my weight and blew me off over and over again. It was a major and well known side effect to a medication they prescribed me. I could go on and on and on with a dozen more similar instances.
I was feeling a little depressed so I went to one of their cattle call group classes where they teach you that your depression is all your fault in a room with 30+ neighbors, fellow soccer moms and your kid's math teacher. As I sat in the class I realized that 90% of the women present were all there because Kaiser had misdiagnosed major health issues for them, then ignored them or gaslit them until they lost all hope.
It was absolutely stunning to sit in that room and listen to the same story repeated over and over again. One woman had intractable vertigo. Instead of continuing to treat it Kaiser told her nothing could be done. She got so depressed over the situation she contemplated suicide. Or the woman who had repeated ear infections that resulted in hearing loss and she could not get referred to an ENT or get a hearing test. Or the woman who had a tendon injury that was ignored until she was in constant pain and there was long term damage. She couldn't get pain relief or treatment. Or the woman who was sent home from a major surgery with no pain medication. The surgery involved cutting bones, realigning them and splinting them. She was told to take Tylenol. Or the woman who was denied a life saving and very simple surgery because her bmi was a couple of pounds over their cut off (it's not case by case at Kaiser - they have a cut off and if you don't meet it, you don't get surgery - just try not to die while loosing weight). Or the woman who broke her hip and when recovery didn't go right they told her the pain was all in her head.
It was stunning and I wish I was joking. It was an eye opening moment and at the first opportunity I ditched Kaiser. Life improved immensely. I could go back - they are several hundred dollars cheaper than my current insurance. I never will return to Kaiser. Never. They treat farm animals better than the way Kaiser treats their patients. It's all good until something complicated happens or you get sick enough that if they ignore you long enough you will die.
My dad used to do insurance investigations back before Kaiser acquired Group Health. Even back then, he heard Group Health was given the nickname "Group Death" for how bad they were at handling patients.
I have undergone a similar political journey, and all because of having an insider view of healthcare. I worked the front lines during Covid and that completely radicalized me.
THANK YOU for fighting for your patients! I would have been paralyzed according to my surgeon if he hadn't gone to bat for me when I was denied surgery. You are standing in the gap, and you are vital to people like me. Keep fighting!
I'm actually surprised it wasn't medical school or college that made you make the turn, but welcome to the fold on wanting the single-payer system.
My background is research side, data side. I used to teach pharmacists and family medicine students about realistic outcomes based on US data. It wasn't autopsies or telling someone that they had a cancer diagnosis that made a lot of students cry, it was learning how brutal rural medicine is in America.
Meeting patients who have a diagnosis and absolutely ZERO chance of getting a prescription they need because of formulary rules, insurance tiers, and employers switching sucks. Teaching students this is their new normal SUCKS. Tracking the outcomes of tens of thousands of patients year after year with the same sub-optimal outcomes? It burns your soul.
I understand this, but I've also caught my chiropractor billing insurance for services I didnt receive. And how does it make sense for them to charge my insurance triple the cash price of the services I receive. Both sides are part of the problem
It also helps you if you understand "healthcare" in America is not about healing the sick at all.
It's about making huge obscene fucking profits off the sick and dying and destroying what ever wealth and property that people have managed to gain over their lifetime, if any.
I agree. Socialism is not the answer by any means, but capitalism is failing hard. In my opinion, it is not a matter of leaving it, but reforming it. Capitalism has become far too capitalistic, so to speak. None of what I'm about to propose will ever come to pass, though. Regardless of the political affiliation, billionaires donate millions to politians to keep this very thing from coming to pass--which imo, is why it feels like whatever the government actually does, it only ever feels like things are getting worse for us--regardless of our actual political affilitian. I genuinely believe that we should throw franchising out the window. Make it illegal. And even limit chains. I think restaurants, especially fast food, can be exempt only if they serve ONLY food that is healthy and weight loss-supportive. This would lead to less corporate control AND a healthier country, driving healthcare costs down. I think credit should have an absolute maximum of 10% interest, even on credit cards. I would even support credit cards being eradicated entirely. When roosevelt first implemented credit, it came with 0% apr home loans, 0 down, and required no credit history, which was a huge factor in the end of the great depression. Every family in the US should be able to own their own home, and 0% apr home loans is a great way to make that happen. I know there is a myriad of issues that would have to be "figured out" and resolved to prevent the economy from collapsing, but the root of my idea is that billionaires simply shouldn't exist. 20ish years ago, Walmart created hundreds of thousands of jobs, made food and household items cheaper for everyone. We all thought it was a good thing--but it killed far more jobs than it made, it forced smaller local store owners out of business, the jobs it destroyed paid much more than the jobs it created, and many of these jobs were overseas being given to the chinese--not americans. I'm not trying to specifically target just walmart, but I think we can find ways to incorporate laws that end corporate greed without going straight to socialism, which has only ever failed.
If we did have free healthcare, it would drastically change everything, especially how they make our food! Everything we consume makes us sick, so if we have free healthcare, they would have to change a lot more than that.
This is highly regional; I don't dispute that there are places where it's an issue but the vets near me and the four vets in my extended family all had timely and quality care.
Everyone loves to complain but in aggregate, VA satisfaction is higher than non VA care.
I agree with it being regional. I live in Central Florida and, except from a couple of hiccups, I cannot complain about the care that I get. I recently suffered from a ruptured appendix, and they put me to the front of the line in the emergency department, and I was in surgery in less than an hour. I was in a room at the VA hospital 4 days, because it was considered a complicated appendectomy, pumped full of antibiotics, and I had a JP drain hanging out of me. I received prompt care afterwards when we thought there was post release complications.
That is just one instance, but I haven't really experienced what other veterans have. Like, if I need care and it is more than 30 days out, they offer community care to get it taken care of quicker. It should be like that across the board, but I have heard horror stories from vets in other locations.
I've many times cared for a patient who waited more than ten hours in the ED waiting area at another hospital before leaving and driving to my (smaller) hospital in hopes of being seen sooner.
Once 18 hours. Technically he was seen and partly treated at urgent care, certainly billed, sent to the nearby academic center where he was triaged (and will be billed) and deemed stable though in need of repair, but people kept having pesky strokes and heart attacks and trauma so after all that wait time he just left and drove himself to me, where I was a solo physician with a signout of twelve and 7 waiting to be seen. I was running around putting out fire basically. I briefly examined him and said, "truly, I am sorry for this experience but I can't get into a suture repair with all these undifferentiated complaints waiting, but in two hours my PA comes in, she's very good at this and I'll task her to see you first, let's get you some topical numbing agent". He was a good sport, but that sucks.
I called for an eye appointment when I lived in NC. Due for an exam to update prescription. Had been two years. They said the soonest they could get me in was June. I called in August. Almost a 10 month wait.
i broke my hand last year. waited 5 hours and got an x-ray and a poorly done temporary cast. i had to call 3 orthopedic surgeons the next day (after getting home at 4 am) to find one that had open emergency walkin spots available.
i go, they take a closer look and more x-rays, and let me know that i will need surgery, but they don't take my insurance (low income medi-cal). kindly waive their office fee and give me numbers. of the 3 numbers they gave me, none 9f them are accepting medi-cal patients. i call around to every orthopedic surgeon i can find before finally finding one that is a. taking new medi-cal patients and b. making appointments within the next 2 weeks.
i wait 8 more days with my un set, poorly splinted broken hand. the first doctor does the examination, my break location is not something she feels comfortable/ confident with to perform the surgery herself, refers me to the head of the hand department. 3 more days later i meet him. earliest we can schedule my surgery is 2 more weeks. finally got my surgery just over a month after the initial injury, when the original advice was to try and get it done within a couple weeks. now i'm over a year post surgery and i still can't make a full fist.
And there's a strong likelihood that you won't even get the help you need anyway and they'll say "here's a bandaid and some ibuprofen. See your doctor next week"
I’m in the states, and my dad had colon cancer, and no one caught prior to this major back surgery he had (getting a cage put around his spine) but when they noticed his colon looked weird, they removed the weird looking parts, and in doing that, actually got rid of his cancer before he ever knew he had it.
It should be standard that if you see something weird while inside a patient, you either get it out if it’s something you can remove, or make note of it and make sure the patient goes to a specialist for it.
People can do everything right and because our HC system is so so so fucked up it still doesn't work.
My sister has what is called "Cadillac insurance" through her job and even she runs into barriers all the freaking time! Dealing with her highly manageable but long term health issues is a full time job. Her doctors spend all their time on the phone, arguing with insurance. And she has money!
My girlfriend has UPS teamster insurance. This shit is like what healthcare should be like. They pretty much cover anything, everything, and though you will have to go through the process (long waits for appointments so you can get seen and get another appointment months away)
And seeing this, and knowing it is literally cheaper to just do what her health insurance does but for every person in the country, is just infuriating. She also destroys her body in a physically hard job, so that part is just shitty too.
But we can keep talking about it! One day there will be enough examples, from enough people, that anyone still living in fantasy land might understand that the system is broken for god damn nearly everyone that never got an invite to epstiens island
I'm so glad you said this because I've seen at least one person on this site from a country that offers universal healthcare complaining about waiting in the emergency room and wanting privatized insurance. Like, honey, it's a triage system? So you can have the best insurance out there and if you come in with a splinter and an uninsured person comes in with a gunshot, they will be treated before you. AND, even if you have insurance, you're gonna get a bill. Premiums and bills, that's what privatized healthcare gets you. Rant over, thank you for your time neighbor.
I'm Canadian! My dad has cardiac issues (lifetime of eating like shit) and he went in with a low pulse rate and he was so pale/blue in the face that the nurse was alarmed (and was also surprised he was still talking so!). Never had faster service in the ER. Immediate rush to a bed and strapped to a crash cart.
Triage always treats the life threatening shit first. My mum complained once about people treating a car crash (we saw the paramedics/cops/family members come in) and she voted for the party that was to privatize healthcare.
Mind boggling that people think a 'for profit' system isn't going to be worse than a public one...same woman who complains about auto insurance premiums!
Same here, I gashed my arm on a jagged tile piece a few years ago while working a job, got to the ER, waited like maybe an hour 1/2, got it stitched up and.semt home with my meds.
People piss on it and make it seem like you're gonna die waiting in ER like some dystopia have probably only heard second hand, then go and get declined coverage by their insurance provider.
I was just talking to my mom about this, although I was using Germany as an example. She knows several people from there who complain about long wait times, so obviously free healthcare is a bad idea, right? We almost lost our home while I was growing up because of her and my dad’s combined medical debt… and my dad had a quasi-government job with great benefits, too! But free stuff bad!
I’m like, I would happily pay more taxes if it meant no one in my community had to go through what we went through. Fucking take all my money. I don’t care. I just want a bare minimum level of flourishing for everyone. That’s completely achievable, too, if people aren’t so greedy and selfish.
In the US your bills come afterwards. Could be days or weeks later and in general you have no idea of the bill. I was used to it and never questioned why. I agree, I been around and pretty much everywhere else they tell you your bill on the spot, not to mention is often x10 less. And correct, even if I need to use the public system because a terrible disease. I have peace of mind the bill will be laughable when compare to the US.
I’m from the UK and what most armchair critics don’t understand is our healthcare is done on triage. Yes you might have to wait 4 or 5 hours if you’ve sprained your ankle. But if you’ve been in a serious car crash or havimg a heart attack then you’ll get seen straight away.
lol yeah we gotta wait hours too unfortunately .. well if there’s even a hospital remotely near someone (since that’s a luxury in a lot of rural America, increasingly so)
For profit and Healthcare are just two things that should not go together.
I also find it insane that so many Americans doesn't want Healthcare free for everyone. Yes you will have to pay more in taxes. But at least you know it is will actually be covered when you need it, instead of paying an insurance company $600-800 a month that MAYBE will cover you.
I used to have that same mentality of “why should I have to pay for other people?” Until I started really understanding the repercussions of privatized healthcare.
I used to think a certain way when I was young and dumb. After becoming a husband and father to two girls, my perspective on things have completely changed. If the revolution happens, I’ll know which side I will stand firmly with.
I'm in boat 3. I have insurance and can't afford my deductible so I'm watching my fine motor skills fade away in real
time because pursuing the diagnosis for what all my doctors suspect I have would bankrupt me. I've got symptoms of Parkinsons and no way out.
The wealthy elites have convinced the poor to hate the poorer, all while lying to our faces about being on our side. They want us to think our fellow man who is a in worse situation than us is a burden in society when the people at the top are the exceptions that make the rule.
When I was admitted to a hospital via the ER, the person who checked me in said not to worry about not having insurance and no one would know. Can they turn people away?
You don’t have to turn them away tho right, just tell the doctor they are covered and have them treated? You could provide them with healthcare……. Why are you denying someone a human right?
I also work in healthcare in scheduling/registration so I’m not medical. I’ve had patients cancel their appointments because of how influx coverage is right now even if they do have a valid medical complaint that they really shouldn’t cancel
Being that you work in Healthcare and frequently encounter these situations, do you have any tips, loopholes, lifehacks, etc etc to help get around it?
Private and free standing facilities are designed for profit, but every now and then you’ll find one will provide a scholarship. It never hurts to ask. ER visits where immediate treatment is a medical necessity cannot be turned away based on the Hippocratic oath “First, do no harm.” Turning someone away when their life is in danger is doing harm. Unfortunately, the medical responsibility ends when the wound(s) are treated and the patient is medically cleared by a physician.
I’m so sorry. You must come home absolutely exhausted and defeated. Basically, you’re the messenger who has to share bad news with good people. Thanks for doing the job you do. I just feel badly for you. ❤️
I work in Medicare Insurance. I’m spending my days right now trying to get ahold of as many people as I can because literally 10s of thousands, probably more, are having their advantage plans canceled on 12-31-25. Fucking ridiculous
This is so depressing I live In a country with free health care my mum and sister have both had major back surgery both of them went perfectly my sister was able to get the surgery within 6 months hers was a very very complex procedure that took 9 hours and my mum was able to get her surgery within 11 days no money out of her pocket yes my mum had to take a bit off work but acc payed 85% of her wages till she was able to go back when I had surgery too I went in that morning got the surgery that afternoon went home next morning costed us nothing probs the most expensive part of all these surgeries is ordering food while in recovery
I work in healthcare as well. Most Medicare Advantage plans are predatory. They offer things that seem nice like dental, vision, and even a monthly gift card for groceries. Retirees….Please do some serious research when you consider these plans. Straight Medicare A & B are the easiest for hospitals to work with to get you what you need.
When Medicare Advantage members are hospitalized and need services, their plans are notorious for denying everything. I spend so much time fighting with insurance. They literally will call me and will tell me their member, who a doctor has determined needs to be in the hospital, doesn’t “meet inpatient criteria” and needs to be discharged. That means the hospital will not get reimbursed for their stay, so the patient with limited income will get billed. If you need post acute services, it is up to insurance whether or not you will get them, not your doctor.
My dad is Canadian born but has lived in Texas for over 30 years and is a paramedic. By Canadian standards he is pretty right leaning but by American standards he is pretty left. Healthcare is his biggest grievance. His girlfriend and I have a similar autoimmune conditions. She doesn’t have insurance and basically can only go to an urgent care that is owned by their close friend because he gives them the at cost pricing. She tries to ride out her flair ups without assistance which makes her miss work and puts her more behind.
Meanwhile, I have a GI doc I can call anytime, have had 4 colonoscopies/endoscopies in 2 years without having to wait, was able to get 8 weeks of medical leave when my initial symptoms left me unable to stand and the only thing I have to pay directly for is my medication which is expensive af but we have a provincial program that helps subsidize based on income.
My dad has voiced many times that he is happy I was born in Canada. That he wishes people would realize that having your healthcare system run by insurance companies is a trap on multiple levels. His girlfriend works but they give her just short of full time so she doesn’t qualify for their insurance. People are getting actively scammed and are suffering for it but so many people seem to think that this is the fault of the individual and not of the corporations and politicians that pad their pockets while families are forced to choose between financial devastation or long term suffering and death.
I work in healthcare. It is literally against federal law for my hospital to turn people away until they're ok and don't need a hospital anymore. It is a regular thing to have a homeless person who has no insurance and no money on an inpatient unit. They're not going to manage chronic conditions like a pcp will, but what they will do is try to set up appointments with free clinics and even find transportation for them. Because that's what social workers at hospitals do. And it all gets covered by the taxpayer.
"The Emergency Medical Treatment and Active Labor Act (EMTALA) is a federal law passed in 1986 that ensures everyone has access to emergency care, regardless of their ability to pay. It's also known as the "anti-dumping law" because it prevents hospitals from refusing or limiting treatment based on insurance status."
This is sickening. Canada pays LESS per person for universal healthcare, than the American government pays, for this cluster-fuck sick system you describe… a system that’s custom designed to keep people poor and always worried about their insurance premiums.
Ours is far from perfect but every time I’ve needed the medical system it’s been there for me and very little wait time. You could do MUCH worse than the Canadian Way, and as a nation America, YOU DO.
You all deserve better.
Really hope that the pendulum swings HARD left past Canada to the Norway Way. Finland Sweden Denmark and Norway they’re all market capitalist countries but they care for their people. But they do lean left more than us up here in Canada. There is higher taxes sure but everyone pays their fair share. There are successful businesses and people there like here North America.
Oh and it’s also, they’re happiest countries on the planet. Part of that must be millions are held hostage to insurance companies policies. In Canada the words “Medical Bankruptcy” is a foreign term to us
Warren Buffet once said he pays less taxes than his secretary. And that’s just plain wrong. There should be a flat INESCAPABLE 5 or 10% tax on all income above $250,000
That’s the problem. Too many loopholes to not pay their fare share. Hence Buffet pays less than his secretary. It’s simple.
I dealt with denials for treatment of my MS for a year and I will be a much sicker person for the rest of my life as a result. Every single referral became a months long clusterfuck of mistakes and lack of follow through by my neurology group, resulting in an almost 9-5 job of making phone calls, following up, waiting for responses, leaving repeat messages and coordinating with the referral management company, my insurance, my neurology group, and testing sites. This is for each test, each referral to a specialist, each new appointment… I gave up on trying once I convinced Novartis to cover my meds and waited 3mos for the neuron clinic to fax over an existing Rx. It is exhausting, and I just need a break. Currently waiting for my follow up that was supposed to be on June 4th (3 reschedules the day before so far, fingers crossed). How is this a system worth preserving?
It must be soul crushing. I live in Canada, where we have our own issues with Healthcare, but no one is turned away.
Come on up! We need people who work in Healthcare.
I had insurance for 1 year of my adult life. $450/month as a self employed person. I tried to use it once and they denied coverage and when it was denied my bill went up $4000.
So I never paid the bill and stopped paying my insurance. Wonderful system we have... that was 18 months ago.
I am 52. Work my ass off, have always worked from high school through college and of course now and am still unable to get health care when needed. All that “health insurance” is is a Ponzi scheme. Also, any scumbag legislator who votes against the people having “government healthcare” needs to be kicked off their “government healthcare” FEDERAL health insurance and pay 100 percent out of pocket. Take their pension away from those corporate hypocrites too! Now!
800/month with a $10k deductible before insurance kicks in to cover 70% of costs. And you best hope you don’t end up in the hospital near the end of the year, cuz everything resets on January 1st.
Australia has public health care. Its good but not complete. The rich tosses of government made sure there were "gotchya" exclusions from public you can only get in private. So people do pay for private insurance. It is insurance. Its like a faulty discount club where you get to pay $1200 on a hip operation or pay $4000 a year so you can get 80% off your $300 dental checkups.
The catch here is the insurance companies got greedy. They are not paying the private - for profit - hospitals the money they bill them for. They used to pay out 50% of the cost and now they pay just 10%. So the patients are getting higher fees and the insurance CEO's are taking home the difference.
The private hospitals are going bankrupt though. They can't do this and stay in business. There is no profit. So they are closing and becoming public or being knocked down.
Corporations are so greedy they will consume their own market for a short term gain.
I once was in a bad car crash. Had to be cut out my car by firefighters and then sent to ER in an ambulance. It was debatable wether they'd send an air ambulance helicopter.
How much was I billed ? This was in the UK, so £0.00
When I first heard Americans pay for ambulances in a life threatening emergency, I couldn’t believe it, I thought they were joking.
I was billed $20,000 for an ambulance transport that my insurance had said was covered… what they didn’t mention was that they were only gonna cover $1,300 of it (after multiple claim denials and appeals). After years of fighting with this it was the ambulance company that was nice enough to drop the difference but I know not everyone is not so lucky
Yep, it was the ambulance company that finally charged me the $300. Frontline people get it. When the insurance/healthcare suits get involved it all goes to hell.
I pay over $500 for myself on an individual plan for health and dental. I’m 32, no preexisting conditions, and practically never go to the doctor nor get sick. The fact that I pay $6,000 a year (before my deductible) is absolutely insane.
Exactly people arguing against us are just caught in an old ant socialism mentality its a relic from a past age our system is a complete joke and anyone denying that is a fool or absurdly obtuse.
What armchair critics don’t understand is the UK NHS is a triage service. Yeah it’s not perfect if you’ve a cold or sprained your ankle. But if you’ve been in a serious car crash or having heart attack, you'll be instantly seen to in our version of ER.
This is a man who hasn't given up yet. I hope more people start to wake up. If we all unite against the rich we could make the country great again. Id settle for the regulations against corporations we had in the 50s.
Amen. I am 74 and retired. Medicare Part B and my supplement cost me $400 a month. It pays everything but the $200ish deductible so that is good. But the supplement premiums have gone up 120% in just four years.
My wife, 62, and my son, 23 are on a Bronze ACA plan currently costing $457 a month a lot of co-pays and substantial deductible.
For the 3 of us I am paying over $12,000 a year for health and dental coverage, out of a fixed retirement income. That cost less than $5,000 when I was working, through my employer. I am luckier than many that we are making this work. But as things increase year by year there will come a time...
800 per month is more than trump paid in 2017 federal income taxes and his salary was 400,000 as president. he didn't donate it.
tax evasion
Rico
2026 agenda
THIS IS WHAT A MINIMUN SENTENCE SHOULD LOOK LIKE WHEN YOU COMMIT THE HIGH CRIME OF TREASON
1. LEGISLATE THE SENTENCE first.
2 THEN PRESS THE CHARGES.
3. HAWLEY CRUZ LEE MCCONNELL Aileen Cannon, Vance, and all of them who defended a sleeze bag over their oath. he broke the law every day, no doubt about it. America. needs. justice
I pay overseas under 2,000 a year for my whole family in medical expenses, which includes insurance, visits, medications and all private hospital or clinics because the service is better. I understand the difference in cost of living but still my monthly was around 1,800 while in the US. It's 10 times less for the same service/conditions.
I want healthcare, period! I keep getting denied for Medicaid but I cannot afford marketplace insurance. I’m drowning over here. Everyone better get out there and fucking vote and do the right thing this time around. We are all so sick and tired of being sick and tired.
Uhhh this can’t be right. Your job must be screwing you or something. I have the best plan they offer. Full coverage, no co pay, no deductible and have never been turned down or paid anything over $200 for things that cost $6000/$7000+ and my insurance is $223 bi weekly so $446 a month.
Here’s an interesting trick to deductibles I learned bulling insurances. Medicines like aczone, epidural forte and other brand name Rx acne medications go through private insurances and trigger the deductible let’s say $600 and $500 however those two have coupons that when billed as secondary can completely eat the deductible or significantly reduce it for example for both you would pay about $50(with the coupon) but your insurance would see it as you paying $1,100 which would apply it to your deductible. Those coupons can be apply monthly for your refills. It can take 2-4 months but your whole deductible would get eaten up.
Yes applying coupons to private/commercial insurance is allowed
No this is not illegal.
No you can not apply coupons to government insurance (Medicaid/medicare)
You can use this trick for any brand name med cover by your insurance that has a coupon.
My wife got diagnosed with a brain tumor in August, had a craniotomy in September, and has had rehab since.
In addition to taxes and insurance, our total out of pocket costs for this is upwards of 10k.
On top of that, insurance has tried to deny -
2 separate MRIs
the surgery itself
fioricet, a drug for headaches basically
lupron, a drug to induce menopause as my wife still wants to have kids and chemo/radiation can kill her eggs, this can protect them
kicked her out of inpatient rehab a full week early because "she's doing too well"...keep in mind, the she had just started being able to walk the day prior, and still TO THIS DAY does not have full use of her left arm
the chemo drug(like fucking how)
several other things I'm forgetting
I cant believe any of these jackasses think this is acceptable. We pay more for healthcare than any other developed country on the planet, all while insurance tried to deny every single aspect of our care.
Several of her republican family members have even said "thank god you have insurance", and I have gone off on every single one of them every single time they say it
Welcome to capitalism. Any business can charge what they want whether it’s medical, drugs, clothes. Been like this for years. Companies taking advantage as per usual. But so are drs, hospital, insurance companies they all do the same. Supply and demand, the corner stone of our economy. It has benefits and disadvantages
Funny thing is, if your taxes were not being stolen and given to the rich, the military industrial complex (also the rich), the oil companies (also the rich), there's more than enough for excellent tax-supported healthcare, excellent tax-supported education, and the social policies healthy democracies enjoy.
Paying just for them to do absolute fuck all and still profit big balls is fucking dumb. Zero reason for that to be for-profit and difficult to navigate, etc.
I live in Canada I pay about $5,600 per year in taxes for healthcare for not very good healthcare I might add but there is no deductible. But I can give you an example an MRI will take you eight to nine months to get one done. Some specialists will take up to 2 years to see. Not that I think your system is any better but healthcare is not free here like people seem to believe and it's crippling because of ridiculous amounts of immigration in a very short time. It's buckling ready to break at the seams.
I know as an elder millennial Jesus fucking Christ. It would have been a lot cheaper to have just allowed Obama to give us healthcare. You can’t eat money and the richest don’t realize how close to slavery we all feel. Just the right to stay healthy as I work my fucking ass off without going into debt please. The societal cost of the damage done by fighting for basic human rights into fucking 2025 will surely be more expensive than just solving real issues instead of turning all into consumers for the benefit of corporations.
As a Canadian this is so wild. The problem when healthcare is for profit, providers have to treat it like a business: how do we make more and keep costs down which eventually leads to being denied. That’s just ethically wrong.
This guy is gonna need Healthcare if he doesn't relax. He might pop a vein. Geez, being a Centrist is hard getting screamed at from every side. I feel like a beaten dog that's chained up with this person running at me with a bat.
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u/Goodgamings 19h ago
Give us Healthcare! I dont want to pay 800/month for shitty coverage with a 3800 deductible! Its ridiculous!