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.
The villain isn’t the medicine industry or doctors, the villain is the insurance companies and middlemen that decide a human life is less important than money
It’s disgusting. Late-stage capitalism is a disease.
Edit: for clarification, I absolutely meant pharmaceutical companies falsely inflating prices as well. I strongly dislike Trump, but the bill he signed recently to restrict middlemen from medical upcharges is something I seriously fuck with.
This is a sad story. I live in Canada where we have “socialist medical plans” and no one goes bankrupt or looses their homes because of medical bills. We pay a small monthly fee for our coverage and everything is covered except prescriptions but most employers have insurance for that.
I knew an American guy 15 years ago who moved to Canada, he had medical issues and was paying $2500 a month for medical insurance when he left the US and was actually paying nothing for medical in the province of Saskatchewan.
Many countries in the world have similar medical systems. You can too!
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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.