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Posted by
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What’s the point of medical insurance?
Posted by Zapps on 6/22/22 at 9:57 am
204
24Medical insurance has got to be one of the biggest crocks of shite out there. Why am I paying every paycheck for medical insurance only to have to pay again if I need to see a doctor? I’m not one of these free medical insurance for all types, but I’m the sucker that’s paying for all these other people to walk into the emergency room and pay nothing.
Then on top of that nobody can tell me a price up front. It’s all a guess, what ridiculous amount will the doctor bill my insurance and what amount will my insurance be willing to pay for?
Yeah, I know dear Facebook
Then on top of that nobody can tell me a price up front. It’s all a guess, what ridiculous amount will the doctor bill my insurance and what amount will my insurance be willing to pay for?
Yeah, I know dear Facebook
This post was edited on 6/22 at 10:34 am
Posted by Topwater Trout 
on 6/22/22 at 9:58 am to Zapps
on 6/22/22 at 9:58 am to Zappsquote:
Then on top of that nobody can tell me a price up front. It’s all a guess, what ridiculous amount will the doctor bill my insurance and what amount will my insurance will be willing to pay for?
why not. Every procedure I get I am told what my cost will be
Posted by Huey Lewis 
on 6/22/22 at 9:59 am to Zapps
on 6/22/22 at 9:59 am to ZappsThe point of medical insurance is ti make money for the company that sells it, just like any other product for sale.
Posted by SportsGuyNOLA on 6/22/22 at 9:59 am to tigerinthebueche
on 6/22/22 at 9:59 am to tigerinthebuechequote:
You can always decline coverage. Opt out.
Then you have to pay a penalty in your taxes
Thanks, Obama
Posted by Clyde Tipton on 6/22/22 at 10:00 am to Zapps
on 6/22/22 at 10:00 am to ZappsBecause if you need emergency open heart surgery to the tune of a couple hundred thousand bucks, you'll be glad to only be on the hook for about 20%... 10% if you work for the state or have a Cadillac plan.
Posted by Green Chili Tiger on 6/22/22 at 10:01 am to Zapps
on 6/22/22 at 10:01 am to Zappsquote:
Why am I paying every paycheck for medical insurance only to have to pay again if I need to see a doctor?
Good point. You should cancel your health insurance and just go without.
Posted by Ace Midnight on 6/22/22 at 10:01 am to Zapps
quote:
What’s the point of medical insurance?
It is risk/cost pooling. Nothing more, nothing less.
Nothing is free.
quote:
I’m the sucker that’s paying for all these other people to walk into the emergency room and pay nothing.
They get billed, ultimately, unless they have Medicaid. The industry is adapting to discourage them from using the E/R as their PCP. But, ultimately the taxpayer does, largely, pay for this practice.
Posted by mindbreaker 
on 6/22/22 at 10:01 am to Zapps
on 6/22/22 at 10:01 am to ZappsIt's also cause medical expenses to sky rocket in this country. Costs for the medical procedures here vs the rest of the world is like 10 times as much.
Posted by WildTchoupitoulas on 6/22/22 at 10:02 am to Zapps
quote:
nobody can tell me a price up front. It’s all a guess, what ridiculous amount will the doctor bill my insurance and what amount will my insurance will be willing to pay for?
This is what grinds my gears, you have to have the procedure to know how much it will cost. What other market offers goods and services where the prices for which are unknown until you commit to the purchase?
It's worse than buying a car. At least then there's a cheeseball I can negotiate with and walk away from the deal if I don't like it.
As someone that has already met max out-of-pocket costs for the year, I can assure you, there's always much more that medical expenses can cost you. I know between premiums, co-pays, etc. it averages around $30k/year for a family plan, but I would have paid quadruple that if out of my own pocket. It's stupid expensive thanks to Uncle Sam, but still glad someone else is helping me pay my family's medical bills this year.
This post was edited on 6/22 at 10:05 am
Posted by lsupride87 on 6/22/22 at 10:09 am to Clyde Tipton
on 6/22/22 at 10:09 am to Clyde Tiptonquote:Truth is, you can get the surgery, receive your 100k bill, and not pay a single cent and for the majority of hospitals you won’t even be sent to collections that harm your credit
Because if you need emergency open heart surgery to the tune of a couple hundred thousand bucks, you'll be glad to only be on the hook for about 20%... 10% if you work for the state or have a Cadillac plan.
Posted by NatalbanyTigerFan on 6/22/22 at 10:11 am to Zapps
on 6/22/22 at 10:11 am to ZappsI had a brain tumor removed in 2014.
Bill was- $388,000
I paid $4000 out of pocket.
I think I'll keep paying for my insurance
Bill was- $388,000
I paid $4000 out of pocket.
I think I'll keep paying for my insurance
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