Just was thinking about this the other day while looking at my insurance. How do people in the U.S. accumulate huge bills without hitting their max out of pockets? Are cancer treatments not usually covered by insurance? Are the doctors that provide the treatment just happening to be out of network?
I guess I’m wondering if there is anyway I can plan to not be in a situation of me or my husband rejecting treatment and dying or having huge medical bills cripple us. We’re relatively healthy now, but the future is near.
I’d like to understand better how it seems to be so *common* for people to not be covered by their out of pocket max.
Thanks.
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I get so angry thinking about medical insurance. Both of my parents had excellent insurance and moderate health issues as they got older. They spent so much time and energy arguing with hospitals, clinics, and insurance companies that I’m convinced it shaved years off their lives.
One specific time my dad was in the hospital for 3 days they were overcrowded and his bed was in a hall for all three days. They charged him $3k a day for a room. He fought them on it since he had proof he *wasn’t in a room.* They removed that charge and added a $3200 daily peak occupancy charge, claiming it cost more to be in the hall and thanked him for pointing out the error.
Substandard care and/or treatment apparently costs more money.
Fuck the whole medical insurance industry.
Edit: eli5: they’re not your friends and will fight to find any reason to charge more money, or to keep from paying out money, depending on which side they’re on.
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