[ SECRET POST #1958 ]

[case]

⌈ Secret Post #1958 ⌋

Warning: Some secrets are NOT worksafe and may contain SPOILERS.

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Notes:

Secrets Left to Post: 05 pages, 104 secrets from Secret Submission Post #280.
Secrets Not Posted: [ 0 - broken links ], [ 0 - not!secrets ], [ 0 - not!fandom ], [ 0 - too big ], [ 1 - repeat ].
Current Secret Submissions Post: here.
Suggestions, comments, and concerns should go here.

Comments

[(Anonymous)]

I'm lucky in a lot of respects, but the extent to which insurance can hinder as much as it helps is crazy.

My insurance has a $2000 deductible and while this would keep me from going into debt if anything really serious happened (assuming they wouldn't up and drop me if I started costing them money) it means that beyond certain things that are free with a copay, I have to pay for it all out of pocket. Even for a healthy person like me, that will result in the occasional medical bill.

Because I have insurance, a clinic bills the insurance company instead of billing me directly even though I'm going to end up paying the bill myself anyway. It's true the insurance company negotiates an agreed upon price for services that is usually lower than what the clinic originally demanded, but I have no idea whether I'm saving anything compared to what the clinic might charge someone without any insurance at all (since some places offer a discounted flat fee for the uninsured).

The billing process also takes ages, with clerical staff on both the clinic and insurance sides going back and forth and sending me the occasional update that is useless to me because it is not a final bill. I once had to wait six months for a bill, all the while having no idea what it would be. We're talking relatively small bills for minor stuff, here, too. I'd love to just be able to hand over my credit card while I'm at the clinic and settle it all on the spot but I guess that would be too easy?

Someone please explain to me why US healthcare reform is a bad thing because I don't see how anything could possibly be less efficient and effective than what we have now, even if it involves squirrels running in wheels.