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Comment on 92% of American adults aren’t going to a doctor because they cannot afford it. The health insurance industry must be dissolved & all of its executives criminally prosecuted for murder, conspiracy, an…

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chiliedogg@lemmy.world ⁨9⁩ ⁨hours⁩ ago

We have the same problem.

I have “good insurance”, but it still takes 6 weeks to get an appointment. It’s why “Urgent Care” clinics are taking over. They cost more than a GP, but less than an ER, but don’t require appointments.

We also have places that pretty much pretend to be urgent cares, but have an ambulance parked out back so are technically an emergency room, and you don’t realize it until you get a $1900 bill in the mail for your ear infection.

And then we have Urgent Care + ER places that are Urgent care during business hours, but after hours change into ERs, so if it takes too long to get in to the the NP your bill jumps 20 fold.

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jobbies@lemmy.zip ⁨8⁩ ⁨hours⁩ ago

until you get a $1900 bill in the mail for your ear infection

Jeez. Isnt it covered by Insurance?

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- chiliedogg@lemmy.world ⁨7⁩ ⁨hours⁩ ago
  Usually for hospital visits, your plan either has an annual deductible that must be met (e.g. $5,000) before insurance contributes, or on a better plan you have a co-pay where insurance will cover 60% while you cover 40% up to a different annual deductible (“Maximum out of pocket”).
  
  The shitty thing is the insurance companies make deals with the providers along the lines of “We’ll pay $X or 20% of the sticker price for Y procedure, whichever is lower”, so the hospitals increase their price to 5 times the insurance rate to maximize their income. The do this so it’s financially ruinous not to have insurance.
  
  So the patient on the good plans get charged double the insurance company’s rate (that the insurance companies only pay after you’ve reached maximum out of pocket), while the insurance company doesn’t actually pay anything on their “60%” co-pay.
  
  And you and your employer end up paying the insurance company like $1200/month combined for this service.
  
  And if you get really sick, you lose your job and therefore your insurance.
  
  It’s a truly fucked system.
  
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  - jobbies@lemmy.zip ⁨3⁩ ⁨hours⁩ ago
    Fuck me. Blows my mind that the system allows profiting on folks lives and wellbeing.
    
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    MonkeMischief@lemmy.today ⁨1⁩ ⁨hour⁩ ago
    Allows?
    
    I hate to be a doomer but at this point it’s practically foundationally built on that very notion.
    
    That’s why it needs to be scrapped and rebuilt entirely.
    
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- anewfox@lemmy.zip ⁨8⁩ ⁨hours⁩ ago
  narp.
  
  and sometimes the bill is even higher with insurance because you aren’t eligible for uninsured discounts.
  
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