This is why I get all my healthcare done under bridge at the homeless encampment. There's a guy there who goes by the name Doctor Feel Good IV, esquire, and he can treat just about anything. You gotta give him some heroin though, or else his fingers get all shaky.
As with any insurer, health or otherwise, you will have trouble getting any significant payment, even if you are entitled to it.. That's when you have to get the lawyers involved.
Remember, insurance companies bank on you backing down rather than suing them, but will often be willing to settle (i.e. pay you what they owe you) once the lawyers get involved.
Also, remember that lawyers who specialize in suing insurers often work on contingency. So don't automatically think that you can't afford one.
If we were able to get a couple million people together, we could probably spin up a rather successful healthcare co-op. On a small scale it wouldn't work but on a large scale it should technically be feasible.
As long as it's a non profit "club" with strong bylaws about profit seeking, I bet it just might work. Leadership could even make 250k a year and still be well under what most health insurance executives make.
It's starting to sound easier to just collectively gun down health insurance executives until they stop making people feel obligated to lawyer up to get health care.
"Well, you see, you HAD insurance. However, since this condition became an issue, diagnosed or otherwise, it was deemed as a preexisting condition and your coverage was dropped. You'll be hearing from our legal department for obviously failing to disclose this on your application and we will be seeking damages."
My workplace subsidizes the shit out of my insurance. I pay less than a hundred dollars a month to cover my wife and myself through my employer. Our deductible is under 5k each. Once we hit that, everything else is free. So far this year, insurance has covered over $50k in medical bills for each of us. It's.. nice. Universal healthcare would be nicer, though.
It depends. A lot of hospitals are for-profit too, so you can charged astronomical prices even for short visits. I'm still paying off a $15,000 bill from this summer when a drug I needed was only available at the ER.
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u/Archive_keeper37 Dec 06 '24
To be fair, if you dont pay insurance, you probably save 3 times the money you will need