this post was submitted on 27 Oct 2023
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So workers pay 7.3% and employers pay 7.3%? It covers all of your health care costs? U.S. insurance varies in cost but we have medical bills on top of insurance costs.
But what does your insurance pay for if not the medical bills? It's supposed to be its entire purpose, pay the medical bills.
Insurance companies put enormous amounts of resources, time, and manpower into avoiding paying the bills. They’ll find some excuse buried in their 400 page packet, or they’ll deem something not a “medical necessity “ until it’s too late to do anything about it.
I received a HEART TRANSPLANT and my insurance tried to kick back one of my echo-cardiograms that I get quarterly to make sure my donor heart isn't being rejected. They're ridiculous.
There's different tiers, but in the case of a doctor visit and prescriptions for medication, you typically have a copay amount which insurance does not cover. If you have a serious illness and require treatment in the hospital you would be required to pay 30%-40% of the total bill. Also some insurance requires that you pay a certain amount per year before it will take effect, then the insurance pays the rest for the year. There's tons of different plans and scenarios, insurance here is a rip off.
Exactly! It's ridiculous. My father is disabled and on a fixed income. He has insurance but his treatment still costs him thousands a year, even though he only receives a few thousand to live on.
Yep, all covered except for some extra stuff like getting your teeth deep-cleaned by your dentist or some premium dental prosthetics, but they usually subsidize it. Edit: also having most people enrolled in the public insurance (wealthier people have private insurance) makes this system possible, at least for now.