People like to rave about US health care.......(am snipping the rest to try to post a long rant)....
Comments from my own personal experience of what you said (which I agree with). Things that I think illustrate how effed up our healthcare system is here:
- When I had my heart attack, then was rushed to the nearby hospital by ambulance, had emergency OHS, AVR, double bypass, etc; my insurance plan at work (of which I was paying something like $3000 a year for in the first place through payroll deductions) had a $1600 (? I 4get exactly, either that or $1800) deductible which I had to pay b4 my insurance would cover a penny (then they pay 80% and I pay 20%). Then I had an "out of pocket" limit meaning once I reached that (I 4get exactly what it was but am thinking $3000? I 4get) the insurance paid 100%. Of course I paid that $1600 deductible out of my "pocket". But it didn't count towards my "out of pocket" expenditures. Many people don't understand that since they are paying it that really the "out of pocket": expense is your deductible PLUS what the insurance company calls the "out of pocket" expense.
- My hospital bill alone, not counting any of the bills for doctors, surgeons, the ambulance (a $2500 charge plus $56 dollars for gas, for a 4 minute ride btw), physical therapy, drugs, everything else, was $475,000! How many people actually have an extra half million dollars lying around? 1% of the entire population? I don't know anyone personally anyways. Of course the insurance co has "contracts" with the providers for every little thing so that $1500 box of kleenex or $800 bar of soap charged by the hospital got whittled down to $4 each, making my hospital bill "only" about $60,000, but still - who can afford an unexpected - or even expected - $60k bill??? Of course with insurance you yourself don't pay all that but....
- Luckily I had my heart attack in the end of April. I "only" had to lay out around $4600 for the medical costs themselves (except for some adventures with wrong billing that I had to fight) at which point afterwards everything was free for the next 8 months until the end of THAT YEAR so I could then get the various other followup treatments (cardio + physical therapy), many many tests and dr visits etc without having to pay more. But if I had been stricken say in the end of December my deductible and out of pocket etc would have all reset to 0 on January 1st!!!!! And I would not have even had been able to afford my next needed round of treatments/exams/etc!!!! That is nuts. Just total luck of the draw as far as what month I was stricken.
- While I was laid up in the hospital I asked for a pad of paper, pens, and a calculator. I then figured out how complicated it really is to determine what actual insurance plan to choose. For instance where I work there was at that time an option for a something like a $1200 deductible with $3000 out of pocket and 10% copay which cost X per month, a $1400 deductible with $3000 OOP and 20% copay which cost X-Y per month, and a $1600 deductible with $3000 OOP which cost X-Y-Z per month. To really figure out which plan makes most economic sense you need a crystal ball to know what your healthcare costs are going to work out to that year, or you can just say well I am not going to get sick at all so I'll go for the lowest cost plan (which actually is not the best bet), or even plug in the numbers from like I just had been hit with, and you then understand that the highest monthly cost plan is not even necessarily the best choice if you are going to be hit with huge healthcare bills, sometimes it makes more sense to bite the bullet & live with the higher deductible with the higher copay because you'll actually hit the OOP faster so you SAVE money in the long run when factoring in the lower monthly COST of that insurance etc. It's screwy and giving me a headache even trying to remember what I figured out, which was how fast on each plan I would have hit the OOP and how much I would be laying out in monthly plan costs. I ended up making some kind of matrix with guestimates for each overall as far as what differing health care bills for the next year would end up being. Not things that anyone tells you about to consider in making your choice of which plan to take (usually the only advice you are given is to chose the most costly plan with lower copay if you are afraid you might get big health bills that year or vice versa).
- While I was still in the hospital, think I had been transferred from ICU to cardio rehab floor only like a day earlier, still out of my mind with pain/weak/drugs/wired up all over the place etc I was paid a visit by the hospital administrator used car salesman who dangled a "discount" in front of me if I agreed to pay my deductible + out of pocket max to her right then. I told her that I needed to think about it. Then I asked her, even in my mental fog of pain & drugs post heartattack and surgery, wait a minute, as I understand it wouldn't my deductible, and also the out of pocket, be applied willy-nilly by my insurance company, in a process not yet determined, so wasn't it possible that the HOSPITAL BILL which she was trying to get me to pay up front wasn't even going to be BILLED to me FIRST in which case if I did pay her my deductible + full copay of $4600 now upfront (even keeping in mind her 5% discount or whatever it was) that I would be risking paying her something which in the end if the hospital bill was NOT processed first by my insurance I would then be OUT that $4600 I'd be giving HER PLUS be hit with $4600 of bills FROM SOMETHING ELSE, AND having to then bug the hospital to give me my $$$$$ back which they were not owed in the first place????
Now this is her JOB. She KNOWS the truth, what is REALLY going on, she handles this sort of thing hundreds of times a day, this is my first go round at this plus I am near death and in a fog. But what does she do. SHE LIES TO ME AND SAYS THAT THE HOSPITAL BILL OF COURSE WILL BE FIRST. So that I should take advantage of her discount offer and only pay her $4200 (or whatever it was) instead of the $4600 that I would be billed later. And then ramped up the pressure saying it was a one time offer but she would give me 24 hours to decide. Can you believe the nerve of that BITCH? I was too worn out/exhausted/not thinking clearly so the next day I paid her hoping to save that $400. But of course she was WRONG. The hospital bill took something like 6 MONTHS to get ironed out and negotiated with my insurance. I was hit with the $1600 deductible plus $900 of my out of pocket for the ambulance, then the other $2100 went to a bunch of Dr. bills. I called her on the phone every single day for a WEEK asking for my money back and she never returned a single call. I called the president/head administrator of the hospital and left messages and he never called me back. I wrote letters. I stopped by the admin office ("oh we're sorry he's out"). I did not get that $4600 back until several months AFTER the hospital bill was agreed upon by my insurance company plus another 3 months of phone calls to those ********. I swear they do this ON PURPOSE to try to steal whatever $ they can. Some people die, or are too sick, or are too overwhelmed just trying to get well, deal with all of the virtually non-stop wrong bills that you end up having to fight and challenge and overlook the hospital ripoff part I just detailed. This is our great healthcare system we have though.
Sorry about that rant above but it got me boiling again. Other people I know were victimized similar ways. You need to have enough time, energy, intelligence, and sheer willpower to fight for yourself in light of all the crap that you get thrown at you if you dare to get sick.....
There was something else I wanted to say but got derailed with my hospital ripoff rant.....sorry