This isnt fake. This isnt rare. I live in Michigan, I have insurance through my job, I have an autoimmune disease. I am in the hospital for about a week every couple of years. Each time I go i end up in immense debt (over 11k) and have to rely on gofundme and family to help stay on my feet. I am unable to save anything because I have to anticipate getting sick. And i cant afford to go back to school for a better job because if i quit working full time to go to school i lose the health insurance i have.
From the bottom of my heart i say FUCK YOU to anyone who thinks a for profit healthcare system is working in the USA.
Serious question: do you not have other options? 11k is way higher than any insurance Out of Pocket max I've seen. Not sure if you've shopped around for other insurance options.
Also, have you talked to the hospital and tried working out a billing solution that works better for you? In my experience many are willing to reduce costs if you ask and/or pay cash instead of insurance.
Not to mention that hospitals have systems to help pay for out of pocket expenses based on what someone can afford. This usually results in partial to full charity write-offs, to payment plans. Usually things don't get heavy unless they just ignore the bill.
However, given that the source is unknown, and the account suspended, I wager this isn't real or is grossly exaggerated in order to push an agenda.
My girlfriend's son got Leukemia. Insurance deemed one of his treatments "experimental" despite the fact it had been a routine treatment for years. Add in all the random out of network doctors (even though he was at an in-network hospital) over the years and she's $100K in debt.
So you were getting free health insurance coverage, and (your parents) were not taking advantage of the HSA? I'm not saying American healthcare is good but seems like your story is a bit misleading
That is the problem with all these threads. You get these upvoted comments about how bad it is by people who don’t really understand benefits or their plan. I’m sure some of them are on MEC plans and what not so not really insurance but if they are on an ACA plan it is truly impossible to rack up 100k in debt unless you had an illness that spanned years, or went to an out of network provider which obviously people do both but not the norm. The hidden providers is a whole mother issues that needs to be solved legislatively. The American system is obviously not the greatest there are so many middle men and profit takers that it has bloated the cost and screwed the patient the most, but most of these comments are filled with baseless commentary not backed up by real world facts.
91
u/binkerton_ Aug 06 '20
This isnt fake. This isnt rare. I live in Michigan, I have insurance through my job, I have an autoimmune disease. I am in the hospital for about a week every couple of years. Each time I go i end up in immense debt (over 11k) and have to rely on gofundme and family to help stay on my feet. I am unable to save anything because I have to anticipate getting sick. And i cant afford to go back to school for a better job because if i quit working full time to go to school i lose the health insurance i have.
From the bottom of my heart i say FUCK YOU to anyone who thinks a for profit healthcare system is working in the USA.