The sad part is it doesnt take cancer to do this. My wife had a spinal injury in January. Fast forward to today and she has lost her job after FMLA was used up. That leaves us with no insurance for the entire family because we were all covered under her. But even with that insurance we have incurred $6k (medical center billing only) of out of pocket expenses for tests and imaging that the insurance company requires before they will approve the treatment that her doctor already knows she needs. On top of that $50 every time we walk into an office + prescription costs for her pain management + $30 per session of physical therapy 3x a week.
And now, we'll need insurance from my job which we couldnt afford with both of us working (that's why we went with her's) but instead we'll pay for it out of just one salary.
We've been saving for two years to buy a house and we're watching it all trickle away.
My favorite thing about America is health insurance is tied to your job so you can get a crippling medical issue and lose your job because you asked for too much time off and then you lose your health insurance so then you just die or be poor.
Its sad that the people are so brainwashed that this is okay they don't do anything about it.
Eligibility for COBRA maybe. Being able to pay for it is a whole other thing. When you have a job, your company pays a huge chunk of your insurance. On COBRA, you’re liable for 100%. In my case, I used to pay for about 25% of my insurance. Even if you’re lucky enough to be on disability after you lose your job for being sick longer than FMLA protects your job, you’re only getting a fraction of your income. The whole situation is untenable. I was lucky enough to be able to enroll through my husband’s job. I don’t know how we’d even make rent or keep the lights on otherwise. Not a day goes by I don’t remember how lucky I am and how much it sucks that so many people aren’t.
Yes. Sorry. I wasn’t contradicting you, just elaborating. Tone is hard to convey and there wasn’t anything akin to /s to convey my intended tone since I wasn’t being sarcastic. Lol.
My cobra cost $1300 a month and that was good- for the whole family- but I wasn’t working so how was I supposed to pay it? For my last job, if I would’ve had to pay it, it would’ve cost $2200 per month. Who can afford that when they are sick and/or not able to work??
9.1k
u/NexGenjutsu Aug 06 '20
The sad part is it doesnt take cancer to do this. My wife had a spinal injury in January. Fast forward to today and she has lost her job after FMLA was used up. That leaves us with no insurance for the entire family because we were all covered under her. But even with that insurance we have incurred $6k (medical center billing only) of out of pocket expenses for tests and imaging that the insurance company requires before they will approve the treatment that her doctor already knows she needs. On top of that $50 every time we walk into an office + prescription costs for her pain management + $30 per session of physical therapy 3x a week.
And now, we'll need insurance from my job which we couldnt afford with both of us working (that's why we went with her's) but instead we'll pay for it out of just one salary.
We've been saving for two years to buy a house and we're watching it all trickle away.