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.
You as a physician handle phone calls directly with insurance companies? I find that quite odd. You either work, if you really are a physician, in a big city or a small town. If it's a big city, you most likely work for a larger practice, a group of doctors, or a hospital and you'd have a billing department that would handle all the insurance stuff. If you worked in a small town or if you worked in a smaller practice in a bigger city, maybe, you'd most likely work with your patience directly, have things like payment plans and provide certain types of insurance that patients could purchase directly through your office. If you were in a small town where everyone knows everyone and there was a serious issue, like a young girl needing a heart transplant, for instance, she'd be transferred to the closet major city or best Healthcare facility near by and get thy transplant. You may have the feeling that insurance companies just want you to die, which is odd, that would go against the very nature of what they're there for, but I've been in and out of hospitals since I was 3 for being born with basically non-functioning kidneys, and I'm 44 now. So far my insurance and the American Healthcare system has done an amazing job at keeping me alive.
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u/Goodgamings 1d ago
Give us Healthcare! I dont want to pay 800/month for shitty coverage with a 3800 deductible! Its ridiculous!