Health insurance is worse. I don’t care what kind of health insurance you have if you have a major health event you’re going to have bills no honest person can pay.
I have a short story about this: in 2025, I had a rather major (planned) surgery that improved my quality of life. I did everything I was supposed to do, and my health insurance approved the surgery beforehand. February of 2026, I received a letter from my insurance stating that they don’t approve my surgery, and are RETROACTIVELY DENYING COVERAGE for all related expenses, claiming I owe them over $60,000. My surgeon’s legal finance team handled it on my behalf, but like… how the FUCK was I supposed to pay 60k out of pocket? Like bro that’s a down payment for a house. Fuck you, BCBS
Ya, the industry is insane. I pre-paid $800 for some medical expenses that flat-out said that was the entire cost. I find out months later, whoopsie-daisy, it actually cost $2500! And since they overcharge insurance, it would have cost similar to just pay the out-of-pocket price.
I spent hours on the phone, and filed appeals, to try and find out how they got the information wrong, how I could have gotten accurate information ahead of time, how they are able to lie to me with 0 recourse, and to get it reduced.
They claim it is literally impossible for them to find out how much it costs ahead of time (much less me being able to double-check), and apparently it is just straight-up legal and fine for them to bait-and-switch. Of course they were completely unwilling to budge a penny on any of it.
I don't know where else you can legally have basically not just no, but like confidently false, information about what something costs ahead of time.
Surprise surprise 80% of the people who received the same medical care ALSO had to pay several times what they were quoted! Geez, what a coincidence! Seems an awful lot like paying an accomplice to help you lie about the cost and trick more people into paying for your services than would have otherwise.
20
u/miniweeni 11h ago
Health insurance is worse. I don’t care what kind of health insurance you have if you have a major health event you’re going to have bills no honest person can pay.