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this post was submitted on 19 Feb 2024
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No Stupid Questions
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No such thing. Ask away!
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The only way I'd live in the States is if I was making so much money that a 20k medical bill meant nothing to me.
$480.000 cancer treatment enters the chat.
what. Is this real?
Back in my first year of uni there, my classmate broke her femur. Got a nice 145k bill. Thank fuck she had insurance that paid most of it, because the two can negotiate any price they can come up with
You can buy a (rather small) Apartment for that over here. And still have money left for renovation.
I'm not willing to believe that the ACTUAL costs are in any reasonable correlation to the invoice.
Costs for services are basically made up. It's incredibly complicated but I'll give an example.
My last doctor appointment was billed at $220. I am in-network (which means my insurer has negotiated specific rates) so the insurance company says "you can only charge our insureds $105 for that service. We'll pay $80. The patient is responsible for the rest."
If I didn't have insurance, I'd be on hook for the full $220. If the doctor was out-of-network, my insurance company would pay what they thought was reasonable and I'd be on the hook for the rest.
The $220 is just whatever the doctor feels like billing. It's not based on anything other than "I feel like $220 is what my time is worth."
Sounds fairly accurate. It's just one privatized industry negotiating with another. Doesn't necessarily mean that your leg is worth 145k$, however that's how much they feel they can leech from each other. In the States, this is exactly why you ask for a full itemized bill, any time you get any work done. They will, and do abuse this system for profit
My stepdad had to take a loan out against the house to pay for shoulder reconstruction that his insurance deemed unnecessary.
Yes. The average cost of cancer treatment is around $150,000 USD here and expensive cases can be much more.
Well it’s not that it means nothing to me, but my job in the US pays about $30k more than it would in Germany (I can’t speak to other countries). Lots of Germans come to the US to work in my field for that reason (well they used to before all the layoffs). Also my health insurance is free.
That said, I absolutely still want public healthcare. Not just for the people in my country who desperately need it, but for myself too. Because while my healthcare is “free”, it isn’t really; my salary could be higher otherwise. And I lose coverage if I stop working (actually not really we have programs for that, but still kind of).