• Tb0n3@sh.itjust.works
    link
    fedilink
    English
    arrow-up
    3
    arrow-down
    62
    ·
    1 year ago

    You’re paying for a service. How much of your paycheck are they taking anyway? Mine is less than 5%. $70 a week. It’s not a whole lot.

        • ickplant@lemmy.world
          link
          fedilink
          arrow-up
          28
          ·
          1 year ago

          It happens all the time. You’re thinking of emergency life-saving treatment. They won’t let you bleed out on the hospital steps. But insurance denies necessary care for chronically ill people because it’s deemed unnecessary by them.

          Just one example

        • Caradoc879@lemmy.world
          link
          fedilink
          arrow-up
          23
          arrow-down
          1
          ·
          1 year ago

          Not on paper, but they absolutely fucking will in person. They’ll tell you your fine, they’ll tell you the wrong thing, and then they put off your appointments and then your dead.

          • Tb0n3@sh.itjust.works
            link
            fedilink
            English
            arrow-up
            1
            arrow-down
            20
            ·
            1 year ago

            They have a duty of care. The doctors are not administration. Administration cares about profits. The doctors just get paid regardless.

            • Caradoc879@lemmy.world
              link
              fedilink
              arrow-up
              22
              ·
              edit-2
              1 year ago

              ON PAPER They have a duty of care. In real life all they give a shit about is you not dying in front of them. If you’re lucky. Sounds like you are. Maybe in your happy little corner of the fucking world it’s all morphine and triage, but here DOCTORS in the emergency room will only do enough to keep you from dying in front of them. You’ll have a stroke and they won’t do any follow up care and you’ll have another one two weeks later and you’re dead, because the doctors wouldn’t let you make an appointment in time.

              Also they’ll cut off your fucking leg because it’s cheaper than reconstruction, and not just because reconstruction is impossible.

              Also just realized dumbass OP up there casually dropped that he’s loaded and the rest of us are just stupid for being poor.

    • JimmyMemes@lemmy.worldOP
      link
      fedilink
      arrow-up
      31
      arrow-down
      2
      ·
      1 year ago

      statistically Americans pay twice as much in insurance and taxes as Europeans pay in just taxes for healthcare

    • SuperIce@lemmy.world
      link
      fedilink
      English
      arrow-up
      16
      ·
      1 year ago

      What about the money your company pays for the healthcare? I only see ~$350 a year deducted from my paycheck to pay for my insurance, but according to my W2, my employer pays another $8,000 per year to the insurance company. You’re paying a lot more for your health insurance than you see on your paychecks.

      • Asafum@feddit.nl
        link
        fedilink
        arrow-up
        10
        arrow-down
        1
        ·
        1 year ago

        So many fucking people fight me on this…

        The company sees your benefits as part of your total compensation. They factor all of it in when considering your “value.” If they weren’t paying the insurance they’d need to pay you more to maintain a level of competitiveness that they claim the benefits add… Not to mention if everyone working paid a healthcare tax there’s no way in fucking hell it would be $1,200+ a month like it currently is… Not to mention eliminating the need for profits which add to the costs…

      • whofearsthenight@lemm.ee
        link
        fedilink
        English
        arrow-up
        3
        ·
        1 year ago

        I have insurance. I went to urgent care when I was pretty sure I had the flu or COVID or something about a year ago (just slightly before COVID was declared “over.”) I paid my copay for doctors office visit, I was in there for about an hour, with roughly 40 minutes of that sitting in a room waiting for a doctor (in an empty clinic) and then had a flu test and a COVID test.

        They still sent me to collections for $350 for this visit. I pay a stupid amount for insurance, which my employer subsidizes, and I still can’t even get a fucking flu/COVID test apparently.

        For profit health insurance in America is evil. It is easily one of the most fucked up things about this country that we just absolutely ignore.

      • Saik0@lemmy.saik0.com
        link
        fedilink
        English
        arrow-up
        1
        arrow-down
        5
        ·
        1 year ago

        Nope… Only providers for screwing up basic billing to my insurance.

        Every damn provider I seem to have in my area can’t fucking code and bill the correct insurance no matter how much hand holding you do for them. Or worse, they wait 6-10 months before they even send the bill and of course insurance doesn’t want to go back that far. Then they try to bill me.

        TL;DR… No it’s always a fight with the doctors office, never the insurance for me.

        • whofearsthenight@lemm.ee
          link
          fedilink
          English
          arrow-up
          2
          arrow-down
          1
          ·
          1 year ago

          This is part of the system, and spoilers, it’s still the fault of for-profit insurance. Why do doctors offices screw up? Because every insurance provider negotiates a different rate, what is covered, etc. This office is going to bill one provider $3,000 for an MRI, another provider $27, another one $2799, and another one nothing. And if you go an office over, it’s going to be a whole different set of numbers. And then repeat that for basically every procedure, visit type, etc.

          This is a decent part of the reason why Americans pay more than just about any other country for healthcare. We spend billions more per year on exclusively middle-men who are just there in the way of your doctor’s providing you care you need.

          • Saik0@lemmy.saik0.com
            link
            fedilink
            English
            arrow-up
            1
            arrow-down
            1
            ·
            1 year ago

            This is part of the system

            So it’s part of the system for the doctor’s office to not bill insurance for over 6 months? To bill the wrong insurance company repeatedly?

            Nothing I stated was insurances fault but instead negligent medical billing coders.

    • penquin@lemm.ee
      link
      fedilink
      arrow-up
      10
      ·
      1 year ago

      How is your deductible and max out of pocket? You don’t count that? Lol I don’t run into too many people who say anything good about our healthcare scam system.

      • Tb0n3@sh.itjust.works
        link
        fedilink
        English
        arrow-up
        1
        arrow-down
        6
        ·
        1 year ago

        It’s getting paid from somewhere, by someone. Doctors aren’t just suddenly free because they have universal healthcare.

        • TurboDiesel@lemmy.world
          link
          fedilink
          arrow-up
          12
          ·
          1 year ago

          I didn’t say they would be. But to pretend American healthcare makes sense is beyond absurd. Workers are already taxed to fund Medicare/-aid (which we can’t access), then we’re also expected to pay private insurance premiums. The best part is that’s de minimis! All that gets you is a pass to get in the door.

          Then you have to pay co-pays and coinsurance, and possibly your deductible. We pay SIGNIFICANTLY more than our peers in the wider world for no reason other than greed.

              • Saik0@lemmy.saik0.com
                link
                fedilink
                English
                arrow-up
                2
                arrow-down
                5
                ·
                1 year ago

                Many pay for few… and the majority can never and will never claim it.

                https://www.investopedia.com/insights/what-is-a-pyramid-scheme/

                A pyramid scheme is a fraudulent and unsustainable investment pitch that relies on promising unrealistic returns from imaginary investments. The early investors actually get paid those big returns, which leads them to recommend the scheme to others.

                SSI relies on MORE people paying now than can be paid out later. So early “investors” get their returns… where newer investors will have little to no hope.

                So what do I not know?

                Caid/Care has a similar issue. If 100% (or even 20%…) of people paid into it needed it… it couldn’t possibly keep up/pay out.

      • Redrum714@lemm.ee
        link
        fedilink
        arrow-up
        1
        arrow-down
        7
        ·
        1 year ago

        You do realized you still pay for your healthcare via taxes in those nations right?

    • DJDarren@thelemmy.club
      link
      fedilink
      English
      arrow-up
      7
      ·
      1 year ago

      I guess I pay a similar amount as you; around £230 a month in National Insurance. According to XE that’s about $280.

      And yeah, that’s not a bad amount to cover any medical needs I might have.

      The difference is that, by and large, that’s all I pay. If I got hit by a car tomorrow, I wouldn’t get charged a penny for the paramedic, for the equipment they use to help me, for the ambulance to take me to hospital, for the doctors and nurses who patch me up, and for all the physio, medications and aftercare I’ll need.

      I’ll pay ~£10 per prescription, but if I develop a chronic, life threatening condition, that fee will be waived. If I don’t, then I can pay a flat annual fee of £110 and receive as many prescriptions as I need.

      Also, my National Insurance contributions (theoretically) ensure that when I reach retirement age I’ll be able to receive a state pension.

      The NHS is something that I’ll fight tooth and nail to keep, and you guys in the US should be fighting for your own version of it.

      • Candybar121@lemmy.world
        link
        fedilink
        English
        arrow-up
        5
        ·
        1 year ago

        i wonder how many people will live through their whole lives without ever needing to use the insurance they pay for anyway.

    • papabobolious@feddit.nu
      link
      fedilink
      arrow-up
      5
      ·
      1 year ago

      You pay more per week in case you have a medical emergency than I pay per year for literal medical emergencies. You pay more in a month for just having insurance than I paid for a 10 day hospital stay, completely uninsured.