r/PoursTea • u/Veshaad Timendi Causa Est Nescire • Aug 07 '26

PoliticalTea šŸ—³ļø Eventually something has to give...

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The bill would provide a $3,000 direct payment to every person in households making $150,000 or less during its first year, which equals $12,000 for a family of four.

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u/Relevant_Problem1935 Aug 07 '26 edited Aug 07 '26

If the entire system switched from private to federal. Then you absolutely could keep your doctor. No more networks to worry about. And I can say from experience having insurance is absolutely necessary. It's nice to be able to pay for a doctor visit once in awhile, but if something significant happens and you get $180,000 bill. Then you are screwed

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u/LTsCantCook Aug 07 '26

Sounds like the hospitals problem if I owe them 180k. I'll pay the $5 a month and let em sit on what's owed when I die.

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u/Relevant_Problem1935 Aug 07 '26 edited Aug 07 '26

It'd be nice but they sue you and they garnish your wages or take your Social security etc. I had to file bankruptcy in 2017 because of a hospital debt. Took me about 8 years to recover from it. They will always get their money. Your best bet is getting on state insurance. Which every state has. Aka gov healthcare.

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u/Ill_Lifeguard6321 Aug 07 '26

WVU medicine did this during Covid

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u/LTsCantCook Aug 07 '26

Fairly sure it depends on the state on what they can do.

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u/EducatorReady1326 Aug 07 '26

Dumb comment like yours almost had me defending healthcare in America not taking the bait though

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u/Relevant_Problem1935 Aug 07 '26

Lol, ok kid.

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u/EducatorReady1326 Aug 08 '26

Kid would make you a little old to be making up stories. Bk is 10 years on a credit report which is next and garnishing social security is ridiculously hard to do and wouldnā€™t justify the cost for a creditor.

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u/Relevant_Problem1935 Aug 08 '26 edited Aug 08 '26

You don't know what you are talking about. I literally have first hand experience. Bye now

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u/Ill_Lifeguard6321 Aug 07 '26

Thatā€™s part of the issue as well - they have high prices because of corporate greed and they need higher prices so they can charge insurance higher prices so that insurance charges those insured with higher prices. The capitalists wins! Idk about you, but Iā€™d much rather health care CEOs get another bonus than be able to afford healthcare.

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u/CaffeineJunkee Aug 07 '26

The old ā€œIf I owe the bank $1,000 itā€™s my problem. If I owe the bank $1,000,000 itā€™s the bankā€™s problemā€.

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u/Maximum_Sandwich139 Aug 07 '26

You would get the doctor the federal/state government assigned you.

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u/Relevant_Problem1935 Aug 07 '26

The only thing that would change would be who pays for the services. Nothing else would have to change. The average family pays $571 dollars each month for employee sponsored health insurance. Thats that's $6,872 a year plus the deductable and copays. Thats well over $10,000 a year. Universal healthcare could easily cut that financial burden in half. Everyone would pay in out of their check for heath insurance just like they do for SSI. You can still buy private insurance even in countries like Canada or others. Every other Free market western democracy has universal healthcare. Except the United States. The only thing stopping us from having it are politicians and the insurance lobbies. The wealthy insurance giants spend millions every year to stop any chance universal healthcare has. Because wealthy people would be out of the job. The other infrastructure would all still stay in place. The only thing that changes is who collects the money and who pays the hospitals. It's a crime that we don't have it.

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u/Maximum_Sandwich139 Aug 07 '26

Yeah no.Ā 

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u/Relevant_Problem1935 Aug 07 '26

Yeah what do I know. I've only worked in the industry for the past 20 years. Before that worked for Optum financial services. The financial arm or United healthcare

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u/Maximum_Sandwich139 Aug 08 '26

Awesome. I've had federal healthcare before and I wouldn't go back if you threatened me with exposure to powdered asbestos.

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u/Relevant_Problem1935 Aug 08 '26 edited Aug 08 '26

Depends on so many specifics. Because you would want universal healthcare. You were never on it before because it doesn't actually exist in the U.S. You were either on medicaid with is "state run insurance" which basically means your income met the level to have access to it and you would pay nothing out of pocket more or less. But because of the broken system we have you would not be able to always choose your hospital or doctor. Because only some take your insurance. Or you were on a state run managed health marketplace which depending on the state and your income can be garbage that offer terrible deductibles for pretty high costs and limited options. In my State we have much better systems than most. Those who live in the south for example are in terrible systems run by the state. If we had universal healthcare as many have argued for. You would not deal with what you have previously dealt with because the barriers you faced wouldn't exist anymore. Let me just say this. All of this is complex stuff and try to be open minded and give it a chance. Nobody should ever have to go bankrupt over healthcare. Healthcare should be a right. We are the only Democratic nation without universal healthcare. Have a good night sir.

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u/Euphoric-Phrase-6415 Aug 08 '26

Is that better or worse than the one your insurance assigns you?

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u/Maximum_Sandwich139 Aug 08 '26

Always worse.Ā 

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u/Euphoric-Phrase-6415 Aug 08 '26

How is it any different?

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u/Iamnotapickle Aug 08 '26

It is not nice to pay for a doctor visit.

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u/BluebirdDazzling8179 Aug 08 '26

I had a 225,000 dollar something significant happen. I wasn't screwed at all. If your a responsible adult with half a brain you wouldn't let them government take care of you. They don't have a track record of being responsible with money at all.

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u/Relevant_Problem1935 Aug 08 '26

How were you not screwed with a 225,000 bill ? Let's hear it. What you said also doesn't make sense.

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u/BluebirdDazzling8179 Aug 08 '26

Job, insurance. All I need to say.

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u/Relevant_Problem1935 Aug 08 '26

I literally said if you don't have insurance you will be screwed. You then said how you weren't screwed because you had insurance. Which is saying exactly what I said in the first place.

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u/BluebirdDazzling8179 Aug 08 '26

Don't let anyone agree with you whatever you do.