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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A significant factor in medical bankruptcy is missed work. Even if your insurance and your HSA cover all your medical bills, if you have a condition that causes you to take significant unpaid time off or causes you to lose your job entirely, you won’t be able to pay your other bills.
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