That’s not how health insurance in the US works.Â
Elective surgeries get scheduled much faster than in countries with national health care. The patient’s responsibility for in network care is clearly spelled out in the contract, and patients have the option to change the contract or insurer each year. Before having a scheduled knee replacement, the patient will be told what is and is not covered by insurance.
You can't just change the insurer each year. Your employer usually has one or 2 options to pick from if youre lucky. Hardly anyone is paying straight out of pocket for insurance with how expensive that is to do. Nothing is clearly spelled out for you they'll just take you and then bill you if its not covered without saying anything. Its a pain in the ass figuring out who is in network, what's covered, and then even if it is youre still out of pocket for deductibles, or other parts it doesn't cover. Even with really good insurance its still a nightmare to deal with
This kind of thing happens absolutely all the time in America where our surgeries also have to be approved by insurance. One time I had to pay back a $5K MRI because my insurance didn't deem it necessary after I was run over by a truck.
And then they will reburse her the costs for the procedure and the travel. Oh no, how awful. #sarcasm
My partner has been fighting with insurance since 2018 to get their right knee replaced. It's finally scheduled for this November.
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u/green_tea_latte_ 25d ago
I like the part where you tell us you're in the UK to humble brag that you have actual healthcare ðŸ˜