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Posted on 5/9/24 at 4:48 am to Timeoday
quote:CSB.
Medical Debt Should Not Ever Be Used to Harm Credit Worthiness
Patient awaiting appendectomy with his wife in curtained ER room was told by the hospital, he'd have to make arrangements to square a bill for a previous surgery before proceeding. Turns out they'd paid nothing toward that bill, and apparently hadn't planned to. A financial administrator came to see the couple. They did some dickering for a few minutes, and finally came to a structured payment agreement.
It was off-putting. In fact, I almost interceded. Because as you put it, getting appendicitis wasn't this guy's fault.
When the admin left, he pulled the curtain (which patients remarkably perceive as soundproof). The couple then proceeded to discuss who they were going to gift their 4 courtside Hornets season tickets to, while the husband was laid up.
Certainly the exception to the rule, but as with student loans, poor decision making (or grifting) can play into the equation.
This post was edited on 5/9/24 at 4:49 am
Posted on 5/9/24 at 5:16 am to Timeoday
A bill by Bernie is not going to be good for the nation. Are we supposed to support the govt writing a check for $250B or so, interfering with the market, prices, and all the decisions they compel? And what happens when these debts get paid and you rack up debt on the next day? Oh that's right, people like you will beg the govt to get involved again, and poof, we'll have government in control of our healthcare, which is the worst idea in the history of this nation.
The absolute lunacy of these positions never fails to amaze me. The government getting involved in healthcare is why our system is screwed up. The 1965 Medicare Act set all of this in motion. The answer is not more government. It's less government.
This is spectacularly stupid.
Good time to remind everyone that my plan returns healthcare to the free market. Want lower costs and less government? Return it to the free market.
The absolute lunacy of these positions never fails to amaze me. The government getting involved in healthcare is why our system is screwed up. The 1965 Medicare Act set all of this in motion. The answer is not more government. It's less government.
This is spectacularly stupid.
Good time to remind everyone that my plan returns healthcare to the free market. Want lower costs and less government? Return it to the free market.
Posted on 5/9/24 at 5:36 am to Timeoday
quote:
Getting sick or injured is not a decision made by the sick or injured. Why should credit worthiness take a hit?
Obesity is the root cause of millions of people being ‘sick’. Ditto smoking. Ditto drug use.
Those are all ‘decisions made by the sick or injured’.
Nice try.
Posted on 5/9/24 at 5:39 am to Damone
quote:
We live in the richest, wealthiest most powerful country in history and many people still go fricking bankrupt from getting sick. What a place.
Cool. Don’t do the things that make you sick, problem solved, yo.
Posted on 5/9/24 at 5:46 am to YipSkiddlyDooo
quote:
That requires 10 years of work for a hospital or clinic that qualifies for public service loan forgiveness. That can be a non-profit hospital that pays well or it can be working for the VA or an Indian Health Services facility, which do not
Sounds like hospitals and doctors are sticking it to the taxpayers
Posted on 5/9/24 at 6:17 am to Flats
Yeah, big hospital groups like Ochsner ain't hurting even with outstanding unpaid debt. But you should make the attempt to pay back even though they are fricking you on the pricing.
Posted on 5/9/24 at 6:24 am to crewdepoo
quote:
Should've gotten better insurance.. or voted for Bernie
I do not have any medical debt and hope I never have to worry about it. But from what I have read, there is no need for insurance. Just set up a $10 monthly payment for every $200,000 of medical expense.
Outstanding!!
quote:
Oh that's right, people like you will beg the govt to get involved again, and poof, we'll have government in control of our healthcare, which is the worst idea in the history of this nation.
You have no idea what you are talking about. I believe goooooooooooberment should leave it to the free market. As a matter of fact, a person should be able to buy insurance from any insurance company within the free market. Also, instead of medical malpractice being civil, make it criminal. Then, and only then, will you see change!!
However, if a person did not apply for credit, how can their credit be harmed because of an injury or sickness? That is my point.
This post was edited on 5/9/24 at 6:32 am
Posted on 5/9/24 at 6:28 am to Timeoday
Most providers will give very favorable, interest free terms if yo I ask them. Oshners has a program just for that.
Posted on 5/9/24 at 6:41 am to Timeoday
quote:
Medical Debt Should Not Ever Be Used to Harm Credit Worthiness
Not a great idea.
There was a time the best and the brightest went into medicine.
Well that time has passed. We are now taking second rate students who no longer want to be great at what they do. They just want to be ok at it.
This has happened because physician payments have continued to get cut. So physician assistants and nurse practitioners make more than some doctors.
Physicians have to do substantially more work now to make the same salary they made 20 years ago. Everyone else has gotten raises secondary to cost of living. Physicians keep getting their reimbursement cut.
And now you want to say don't pay back your Healthcare bills and nothing will happen to you?
Just say you want doctors to do stuff for free. It will make Healthcare more affordable but it will be crap.
Posted on 5/9/24 at 6:50 am to Evolved Simian
quote:
frick yourself, Marxist.
You really do not want to know what I wish upon a Marxist or that forsaken, greedy ideology. But I have always wondered how a person fricks himself.
Do tell.
Posted on 5/9/24 at 6:53 am to Timeoday
Debt is debt.
Sorry. Dem da rules.
You can feel free to thank LBJ, Dems and the "Great Society" for this.
Sorry. Dem da rules.
You can feel free to thank LBJ, Dems and the "Great Society" for this.
Posted on 5/9/24 at 7:12 am to NC_Tigah
I think when people see the full bill of an emergency hospital stay, including ambo, surgery.
What it shows that insurance pays is horrendous. Then a bill of even $30 is a protest non payment.
So no one GAF anymore.
What it shows that insurance pays is horrendous. Then a bill of even $30 is a protest non payment.
So no one GAF anymore.
Posted on 5/9/24 at 7:13 am to Riverside
I see 32 people don’t pay their fricking bills.
Posted on 5/9/24 at 7:17 am to Timeoday
Just think if government wasn’t involved in healthcare that there wouldn’t be that many instances in which people could rock up that kind of debt
Posted on 5/9/24 at 7:19 am to Timeoday
Great. More gov’t manipulation of the healthcare market. This will just drive up prices and drive down service levels just like every other intervention they’ve ever made. frick.
Posted on 5/9/24 at 7:22 am to Aubie Spr96
quote:
This will just drive up prices and drive down service levels just like every other intervention they’ve ever made. frick.
Now do public school systems.
Posted on 5/9/24 at 7:24 am to AUX3
quote:
There is no such thing as cancelling a debt. Someone is getting screwed. Who is it? The doctor not getting paid? The insurance company that is owed? The person that paid for their medical?
Ultimate the taxpayer.
Insurance and doctors sell the debt at a loss and it's deductible at the end of the year. This ultimately comes off tax obligations and is paid for by the money printing machine (created by selling bonds to foreign and national entities)
It's all fake money, backed by a ponzi scheme that will continue long after we're all dead. As long as that system is in place, i'm fine with people defaulting on medical debt. The people who will pay are our great great grandchildren (or theirs)
Medical debt rarely hurts credit scores because of HIPAA. It's hard for medical establishment and collection agencies to report, because any details about the nature of the debt could violate HIPAA (think: a bill from a cardiology group)
This post was edited on 5/9/24 at 7:25 am
Posted on 5/9/24 at 7:39 am to jonnyanony
Health care providers and their collection agencies are able to report medical debts to CRAs without violating HIPAA regulations.
Fair Capital Says, "Hello".
Fair Capital Says, "Hello".
Posted on 5/9/24 at 7:44 am to AUX3
quote:
Someone is getting screwed. Who is it? The doctor not getting paid? The insurance company that is owed? The person that paid for their medical?
Hopefully it’s the insurance companies. We’d be better off as a country if insurance went away. Before insurance, a hospital trip was affordable. I do expect to be attacked for this stance, and I used to agree with those that may attack me
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