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Zapps
Member since Feb 2021
23 posts

What’s the point of medical insurance?

Medical 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
This post was edited on 6/22 at 10:34 am


tigerinthebueche
LSU Fan
Erwinville, LA.
Member since Oct 2010
32970 posts

You can always decline coverage. Opt out.


Topwater Trout
LSU Fan
Red Stick
Member since Oct 2010
64800 posts

quote:

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


notiger1997
Metairie
Member since May 2009
52633 posts

You seem smart


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1336
Huey Lewis
LSU Fan
BR
Member since Oct 2013
4322 posts
 Online 

The point of medical insurance is ti make money for the company that sells it, just like any other product for sale.


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811
SportsGuyNOLA
LSU Fan
New Orleans, LA
Member since May 2014
11382 posts

quote:

You can always decline coverage. Opt out.


Then you have to pay a penalty in your taxes

Thanks, Obama


Clyde Tipton
LSU Fan
Planet Earth
Member since Dec 2007
36737 posts

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.


carhartt
LSU Fan
Member since Feb 2013
6923 posts

Go have any surgery without insurance. Any surgery.

Just go ahead.


Green Chili Tiger
LSU Fan
Lurking the Tin Foil Hat Board
Member since Jul 2009
44920 posts

quote:

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.


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190
Ace Midnight
Between sanity and madness
Member since Dec 2006
84705 posts

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.


mindbreaker
New Orleans Saints Fan
Baton Rouge
Member since Dec 2011
7410 posts

It'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.


WildTchoupitoulas
Member since Jan 2010
39999 posts

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.


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252
lowhound
LSU Fan
Effie
Member since Aug 2014
5943 posts

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


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66
Lawyered
Ole Miss Fan
The Sip
Member since Oct 2016
20571 posts

Paying monthly only to then have the privilege to pay out of pocket for your deductible

What a great scheme they have concocted


threeputt
Notre Dame Fan
God's Country
Member since Sep 2008
24630 posts

quote:

Go have any surgery without insurance. Any surgery.

Just go ahead.


You will be amazed at the discount doctors will give for people who pay cash up front for their services


dukke v
LSU Fan
PLUTO
Member since Jul 2006
189651 posts

Well let’s see… I’ve had 19 operations and my total cost is near 700,000. Glad as hell I had it….


AlxTgr
LSU Fan
Kyre Banorg
Member since Oct 2003
76611 posts

Let someone in your family get cancer and let's talk.


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160
lsupride87
LSU Fan
Member since Dec 2007
82746 posts

quote:

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.
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


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145
NatalbanyTigerFan
LSU Fan
On the water somewhere
Member since Oct 2007
7279 posts

I 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


DownSouthCrawfish
US Army Fan
Simcoe Strip - He/Him/Helicopter
Member since Oct 2011
27563 posts

The house always wins


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