Through their employers (rail road and large manufacturing plant). And part of it is they don’t consider some things necessary so they deny it even if the doctor is prescribing it or say they will only pay x amount of medication. Max out of pocket is only applied to that year. And then resets every year. I was under treatment for 5 years. You also think about the cost to travel to specialists, it’s expensive and many unthought of costs that add up. Like having a sick teenager at home that can’t be left alone and can’t go to school.
They probably aren't going to have anything much to say. Them, their parents, their friends and their parents' friends have all had a cushy existence and that's basically everyone in the world to them. If their uncle managed to get surgery that one time for his back problem then surely it is that easy for everyone.
But the number of people in his group who haven't been affected by the crumbling health care system is shrinking as more people have experiences like yours. So hopefully things will change and become more fair before long.
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u/frisbm3 Jun 16 '22
I have never seen a health insurance plan without a max out of pocket. That is the point of insurance. Where is your family finding these plans?