Many believe that the US healthcare system is the best in the world. Not so according to the World Health Organization’s ranking of the world’s health systems. The US doesn’t even rank in the top 25. It ranks 37th and is the most expensive in the world. I would argue that even if we had the best healthcare system in the world, what good is it, if no one can afford to access it.
Most companies are buying 60/40-policys for their employees these days, but even if you are lucky enough to have good insurance with 80/20-policy coverage, that 20 percent your responsible for can drive you right into bankruptcy as easily as the 60-40 policy given the cost of healthcare.
Insurance cost have been going up dramatically in the last two decades, long before the new Affordable Healthcare Act has taken affect, in some cases as much as 35% per year.
But have you noticed the latest trick the insurance companies have roll out?
Yes, Higher Deductible… most averaging $5,000 per year, per person, but I have seen some as high as $10,000 per year. For those of you that are wondering, this tactic is specifically designed too stop you from using your insurance. It reduces the insurance companies out of pocket liability by shift costs onto consumers, especially those dealing with chronic illness such as diabetes and arthritis. Consequently, because consumers can’t afford the deductible they will avoid necessary care to save money.
Although insurance companies are a problem, the real crocks is the healthcare system it self. A corrupt and bloated system desperately in need of reform!
I spent a night in the ER once. I waited 6 hours to get seen by a doctor because of overcrowding. I got X-rays, IV saline, and a prescription to be filled elsewhere after laying in a bed for 3 hours, then sent home. My 80% coverage - only something I have by virtue of being a student - still left me with $542 to pay.
$542 for saltwater and an X-ray and a set of fresh linens after I left and someone said “go get some antibiotics.”
Reason number 1 why i am never, ever going to live in America
one of the reasons why i want to move out of america canada seems really nice
About 5 months ago, my finger got sliced pretty bad, about 1/4 of the way to having the tip of my pinky sliced off; thought I was fine with a bandaid pinching the cut closed, but after I blacked out a couple hours later and collapsed, my roommate called the ambulance, which said I should take it to the hospital. They asked if I felt up to going, or should they take me. I turned them down, not because I particularly felt up to going (my finger was sliced bad and bleeding, and I had fainted), but because I wasn’t sure if insurance would cover it, and I sure as hell can’t afford to pay it; average cost of that WITH insurance is $400-$1,200.
So, about half an hour later, I make it to the emergency room. I was considered high-priority. Still took them 6 hours to see me. 2 hours into the wait, we were informed that they were so full, they were actually TURNING AWAY ambulances. Finally got looked at, the guy said I was lucky because I still had feeling and could mostly move it, all it would require was some dermal glue. Half an hour later, they actually came back, took about 45 seconds to pinch it closed and superglue it together, said it’d be dry in about 5 minutes. 20 minutes later, they finally put a splint on it, said it should be fine in a few weeks, and sent me home with basic care instructions. That was it.
Between the hospital and the emergency room, I was charged $5,000. For comparison? One semester’s tuition at my state university for a resident is ~$7,500. I’m lucky enough to have dual-insurance through my mother and my school (thanks to the ACA meaning I can stay on my mother’s insurance), but I have literally been fighting EVER SINCE to get them to actually PAY it, because each keeps saying that the other should be picking up most of the tab, so they’re not going to, and the hospital and the emergency room are just saying “we don’t give a shit, we expect to get paid”.
It doesn’t help that one of the insurance companies kept demanding I send them back paperwork that they kept sending TO THE WRONG ADDRESS WHICH THEY REFUSED TO CORRECT ON FIVE SEPARATE OCCASIONS, and refused to do anything AT ALL until I did.
God Bless America.
This shit is just fucking crazy. My brother spent 2 weeks in ICU with pancreatitis and didn’t pay a cent for anything (no private insurance) - the Australian health care isn’t perfect but fuck at least it kinda works when it really matters…