I’d like to know other non-US citizen’s opinions on your health care system are when you read a story like this. I know there are worse places in the world to receive health care, and better. What runs through your heads when you have a medical emergency?
A little background on my question:
My son was having trouble breathing after having a cold for a couple of days and we needed to stop and take the time to see if our insurance would be accepted at the closest emergency room so we didn’t end up with a huge bill (like 2000$-5000$). This was a pretty involved ~10 minute process of logging into our insurance carrier, and unsuccessfully finding the answer there. Then calling the hospital and having them tell us to look it up by scrolling through some links using the local search tool on their website. This gave me some serious pause, what if it was a real emergency, like the kind where you have no time to call and see if the closest hospital takes your insurance.
There’s an unspoken assumption that when doctors quote a price, the insurance companies will widdle that down to a fraction of that amount when they pay out, so if a procedure actually costs $X.00, doctors will bill the insurance for $X * Y, so insurance actually ends up paying what it actually costs.
The side effect is that we pay co-pays or deductibles or non-100% coverage amounts based on what insurance was billed, not what the procedure actually cost. It’s actually cheaper in some cases (especially with regards to medications) to not use insurance because then, we’ll get billed what it actually cost, not the grossly inflated amount, and if our coverage is only, say, 50% for a given procedure, or if we have a co-pay on medication, we end up paying less. Meanwhile we’re still paying the insurance companies for the coverage we’re not taking advantage of. The whole system is fucked beyond belief. We know it, we just can’t do anything about it.
“Vote for the politicians who want to fix it!” only works if they actually do want to fix it, and will follow through if elected.