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UhYeahOkSure t1_j4ypwm7 wrote

I don’t have the energy for it but it might be a good idea to start a sub based on putting hospital overcharges in check.. protect the weak, the sick, and the elderly

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ABena2t t1_j4ytfje wrote

Healthcare in America is soooooo FKd. I cringed just reading your post and I don't really want to even get into it bc I get really angry.

Medicare/medicaid is Fkd. I had no experience nor any idea how any of it worked. My mom had dementia, was on Medicare and had a supplemental insurance policy. She needed long term care so Medicare refused to pay. Put her on medicaid (no big deal is what I thought). Thing about medicaid is that they do not pay a dime until you're absolutely broke. They do a discovery and take everything you have. They drained her savings, her checking, cashed out all her retirement money, stocks. They took her car. They took her house. Then they took her social security checks every month. Once she was sucked dry (minus 8k that you're allowed to keep to pay for your own funeral) they finally started making the payments). Keep in mind she had a supplemental policy this whole time too. Anyway - she passed away and my family got a bill from medicaid for 120k. We didn't have to pay it - but if there was anything they had missed or if she had a life insurance policy that was left to her estate then they'd take that too.

Loophole - if you have a beneficiary listed on the life insurance policy then medicaid can not take it. But if there is no beneficiary listed then the policy goes to the estate and its fair game and medicaid will take that too.

Also - she had a safety deposit box. A lawyer had to go there and open the box - inventory anything in it - and if there is anything of value (cash, gold, jewelry) they'll take that too. No wonder why older generations put cash in jars and buried it in their back yard. They literally took everything.

Total different experience - my step son has mental health issues. He went and stayed at a facility for 6 days. When he got out we started receiving all sorts of different bills. They billed it all seperate. The facility gives a bill for the room. Then the Dr's bill is seperate. Then medication is separate from that. Just the room for 6 days - 44k.. JUST THE ROOM was 44k FKIng dollars. That's more then some people make in a year! that's roughly $7500 a day. Or think of it this way - it's over $300/hr. He didn't have surgery. He wasn't on a ventilator or on life support or needing a team of surgeons. Just FKing crazy.

And then my wife went to the hospital one day - she sat in the waiting room for 9 hours.

See - I'm getting worked up. I could go all night but I just need to stop. I get so freaking upset about this.

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UhYeahOkSure t1_j4ytn8z wrote

Ya I could go on about the horror stories I’ve gone through too. The crazy thing is the people who really see it the most are the ones that are sick and can’t really fight it 🤯😵🙈🤐✌️

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ABena2t t1_j4yw4zs wrote

Ya - it's disgusting. If you're not filthy rich you're absolutely Fkd. They take advantage of sick/desperate people. And they don't even give a FK. They'll just let you suffer. Even if you have insurance they'll just decide they aren't going to pay for whatever medication or procedure. Nope. Sorry.

On a seperate note - have you seen that CostPlusDrugs thing Marc Cuban has? It's all over social media. Some of the claims are a little bit unbelievable. It's a generic drug company that only takes cash - no insurance. People are making these crazy claims that they were paying 5k a month thru their insurance provider and are now buying it off cost plus drugs for like $100/month cash (with no insurance). I told my sister about it - she has some prescription allergy med that was like $100/month thru her health insurance. She's paying like $9/month now (for the generic). So if what these people are saying is true, how it's it legal for these drug companies able to mark up these drugs so high? People are desperate and have no choice to pay it. You'll literally pay anything. They're preying on people. That shit should be illegal imo.

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keepthetips t1_j4ypojj wrote

Hello and welcome to r/LifeProTips!

Please help us decide if this post is a good fit for the subreddit by up or downvoting this comment.

If you think that this is great advice to improve your life, please upvote. If you think this doesn't help you in any way, please downvote. If you don't care, leave it for the others to decide.

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AKStafford t1_j4yzwb3 wrote

Tried that was quoted $2,500 for a procedure. Bill was over $5,000. When I questioned it I was told the quote was just an estimate and they are obligated to stick to it.

By the time all the bills came in, it was over $12,000.

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Calius1337 t1_j4z9uak wrote

I did that the last time we went to the hospital for the birth of our third child. They looked at me like I was an idiot but they complied. They told me that parking at the hospital was 3€ per day and that the coffee vending machine is 2 to 3.5€ per coffee.

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