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Old 27th Mar 2024, 21:10
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MechEngr
 
Join Date: Oct 2019
Location: USA
Posts: 874
Received 215 Likes on 119 Posts
If you are a well compensated professional health care in the US is great.

Except that coverage is essentially tied to the employer, and if there is a reason for being not employed the costs are breathtaking. The other factor is, under the present system, don't get used to a doctor. The insurance companies shuffle which practices and hospitals they work with and the practices seem mostly managed by health care management corporations who are leaning on doctors to bring in that sweet, sweet, insurance cash and any doctor not able to get through 25 patients a day (or so) just isn't cutting it and either the practice will be kicked out of the corp or the doctor will.

A side example: you go to get a blood test. Great - your doctor is part of your insurance network. They send that out to a lab. Bad news - the lab is not part of your insurance network. Your $50 co-pay visit now has a $3000 lab test cost. Make enough noise and the doctor may eat that difference or work out some other deal, but for the time being that $3000 is sitting in your lap as medical debt.

And even if your doctor concludes that only one, specific medication will be the correct one, your insurance company can deny the claim for it. They may recommend some other similar drug, perhaps one that you were already on and did not work, but they will pay for that. It's easy for a drug price to be $10 with insurance and $5000 without.
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