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re: Federal Judge Reverses Biden-Era Rule That Barred Medical Debt From Credit Reports

Posted on 7/14/25 at 9:13 pm to
Posted by GeauxBurrow312
Member since Nov 2024
6269 posts
Posted on 7/14/25 at 9:13 pm to
The cost balloons because of the delinquents and degenerates

America is a very unhealthy nation. We are one of the fattest countries in the world. The American diet is loaded with shite banned elsewhere.

We use opioids like no ones business. We drink a lot. We smoke a lot. We use a shitload of "recreational" drugs. And on top of it, people dont know how to use the system efficiently (i.e. urgent care vs emergency room), so when normal people actually need the once in a blue moon medical treatment, it costs a arm and a leg.

Its popular to hate on insurance, but the reality is the cost is fair until lifestyles change. We desperately need to change Medicare and Medicaid as well. If we are going to have freeloaders, they need to at least take reasonable steps to ensuring their own health. It costs way more to treat people who treat their body like shite than it does people who take reasonable steps to being healthy
Posted by SmackoverHawg
Member since Oct 2011
31609 posts
Posted on 7/14/25 at 9:17 pm to
quote:

Charges aren’t real, hospitals make money if you pay them less than 10% of the bill.

True. We set our listed prices about 5-10% over BCBS just in case someone pays better. If you don't charge it, you don't get it. So of course our cash price is lower. And it you pay the same day in full, it's even lower. If your choose to use your insurance and we have to file it and deal with your insurer for you, there's a cost to that. Not sure why that's so hard for people to understand.

But I have no clue why hospitals charge so much unless they think they may get an uninsured Arab Sheik and collect it all. There is no tax benefit for the "write off" as so many wrongly believe, and there a laws against price gouging. I guess they hope plenty of rich dumbasses will pay it with no questions asked.
Posted by SmackoverHawg
Member since Oct 2011
31609 posts
Posted on 7/14/25 at 9:22 pm to
quote:

God forbid a working man gets sick. All of you pussies cried over that United Healthcare guy being put down like the rat he was and those comp

I didn't!!! I got a trip to ban land for taking a few too many victory laps in celebration.
Posted by King
Deep in the backwoods
Member since Sep 2008
18682 posts
Posted on 7/14/25 at 10:07 pm to
Im regular working class joe. I pay my bills. My credit is sterling.

With our health care system I'd rather die than tack on 50k or more for some major surgery or some ungodly amount for cancer treatment. My options are unending lifelong debt or blow through retirement $. Either way I just keep slaving away till I die a decrepit old man.

I'd rather just die now than spend every last minute of my life working.


frick the health care system.
Posted by 1loyalbamafan
alabama
Member since Mar 2015
4055 posts
Posted on 7/14/25 at 10:11 pm to
quote:

ER visits are $1000 minimum now



You must not be an illegal, or you'd know it's all waved due to "circumstances"


............and just helps you get EBT, WIC, Sec8 and more shite than your poor arse will ever imagine. Now go get some babbies....with poor daddy's.
This post was edited on 7/14/25 at 10:16 pm
Posted by SmackoverHawg
Member since Oct 2011
31609 posts
Posted on 7/14/25 at 10:15 pm to
quote:

Im regular working class joe. I pay my bills. My credit is sterling.

With our health care system I'd rather die than tack on 50k or more for some major surgery or some ungodly amount for cancer treatment. My options are unending lifelong debt or blow through retirement $. Either way I just keep slaving away till I die a decrepit old man.


We have programs in place to prevent this. I've never had a patient bankrupted by medical bills. We've always been able to get our people taken care of. The state of Arkansas has a ton of programs to help working folks. Now I have seen people with tons of assets and good incomes end up in a bind for being cheap and not having insurance at all. That's a risk they took and lost.
Posted by 1loyalbamafan
alabama
Member since Mar 2015
4055 posts
Posted on 7/14/25 at 10:18 pm to
quote:

end up in a bind for being cheap and not having insurance at all. That's a risk they took and lost.


You need to look a bit harder.

Or are you in the medical field? ...... if so I think I see the issue.
Posted by King
Deep in the backwoods
Member since Sep 2008
18682 posts
Posted on 7/14/25 at 10:20 pm to
I had covid back in December. Laid up in bed for 4 days dead to the world. Didn't eat or drink. Had the shits at the end. Wound up dehydrated which caused acute kidney failure. Figured it out when I got a cramp on the shitter at work and almost passed out.

Booked urgent care appt. Got there and they didn't do IV's. They sent me up the street. That place needed a dr referral and a rx. Wound up going to the ER.

$2400 bill for a blood test and 1 saline IV bag. $350 out of my pocket with my shitty insurance.
Posted by AUcs13
Pensacola
Member since Jul 2011
3098 posts
Posted on 7/14/25 at 10:21 pm to
Facts. Can’t believe so many people here fall in line with the BS that the medical industry puts on everyday Americans. Tons of sheep on this board.
Posted by 3down10
Member since Sep 2014
39571 posts
Posted on 7/14/25 at 10:22 pm to
They should just get government out of healthcare completely.

Posted by SmackoverHawg
Member since Oct 2011
31609 posts
Posted on 7/14/25 at 10:31 pm to
quote:

Easy solution Never go to them.

Or go to med school, take on the debt, give up your best years to train and then work for free. Be the change you want.
Posted by BigJim
Baton Rouge
Member since Jan 2010
15083 posts
Posted on 7/14/25 at 11:00 pm to
quote:

I’m ok with excluding medical debt for medically necessary care. Given that the government sponsors plans that have ridiculously high deductibles and out of pockets, the government should regulate this.

You shouldn’t be punished if you want to buy a car or a house because you got cancer and it’s taking you awhile to pay the bills.


Sure, maybe.

But that isn't the LAW. The Biden Admin implemented a rule that contradicted the law. It took awhile (as the legal system usually does) but it got reversed, as it should.

Now if the law is bad policy, then Congress can change the law.

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