Healthcare vol. WTF

[Grine]

I heard you could just pay .25 on a bill for the rest of your life - and they can’t come after you.

 

[sneakaprince]

I head you ould just pay .25 on a bill for the rest of my life - and they can’t come after you.

Man I never shared my healthcare story but I had a small invasive surgery in 2013 for tonsillitis, and a gang of ulcers. Hospital staff was incompetent and I was too young to understand health insurance so I came outta there with a bill for 4k (after insurance).

The young me was kinda scummy and would've just said **** it and let it rot on my credit report but by this time I had finally started wising up and i was starting to actually look decent on paper so I was kinda devastated, especially since I didn't have the bread.

I let it hit collections for a while and eventually was forced to settle it in a year or two because I was buying a house. I paid .50 on the dollar for what I owed but let that house **** never have happened I prolly still would be sitting on that.

 

[Hunnynutcheerios]

I head you ould just pay .25 on a bill for the rest of my life - and they can’t come after you.

I heard that that’s pretty much true because if they put you in collections they can’t put it on your credit report because it would be a HIPAA violation.

 

[mplsdunk]

Yep, just go to the er for everything. They can’t turn you away.

og Broke boi info in here.

 

[Nereyda Vuelve Por Dios]

I have a couple of issues that make me afraid of even going to the doctor. I go to a gastro doc and they run a special test at some special lab. I have to come off 400.

i took a mri last week the effin radiology place gave some bs bill that read i owe 880 on a test that 2k. While my insurance (same as yours OP) covered 1200. But how they know that before sending the claim to my insurance company.?

i paid it thinking it was the cost. But i called my insurance company and they said its happening a lot but its not the best way to go about it. My insurance may cover it but they need to see the details first. So how am i being charged?

ill just die in pain. **** it. I worked in the
Medical field mostly with insurance for the hiv positive folk and medicaid/medicare. So i never saw these issue and i was 1199( the best insurance imo).

**** this ****. A mri costing 2k? Thats abuse. The whole system is abuse.

My advice. Fight all this ****. Hospitals have programs they dont promote that give assistance to major bills. Research assistance and exhaust all options to reduce your bills.

 

[Fozz]

I'd be lying if I didn't stress over the hospital bill when kid #2 was born.

 

[superblytrife]

Has anyone ever thought about why vision, dental and hearing coverage are all separate from “regular” healthcare? Make it make sense.

 

[Hunnynutcheerios]

Has anyone ever thought about why vision, dental and hearing coverage are all separate from “regular” healthcare? Make it make sense.

Seriously wtf

 

[Hunnynutcheerios]

I'd be lying if I didn't stress over the hospital bill when kid #2 was born.

I hear that. So much stuff goes into having a baby

 

[fluid hips]

Always wondered how much it would cost if I ever had a kid

But yea, there has been an alarming trend in the growth of for profit hospitals. These politicians don't care because the special interests and lobbyists cut them a check

 

[Fozz]

I hear that. So much stuff goes into having a baby

The important thing is that you and your baby are healthy. I know the bills suck, but that’s temporary. Congrats on the new baby!

 

[fluid hips]

I heard you could just pay .25 on a bill for the rest of your life - and they can’t come after you.

But doesn't it get sent to collections?

 

[fluid hips]

Also, can't you just give them a fake ID at the hospital and dip without getting billed if you go to the ER

 

[Grine]

But doesn't it get sent to collections?

See below.

 

[superblytrife]

I heard you could just pay .25 on a bill for the rest of your life - and they can’t come after you.

It’d still go to collections at some point. You’d be better off in the long run just not ever paying it. Take the hit on your credit and let it fall off after 7 years.

Pro tip: with collections never pay anything if you don’t intend to pay it off. Every time you pay ANYTHING it resets the clock on how long it’ll take to fall off your credit report. That’s why collections folks always try to get you to pay something, even if it isn’t close to what your payment is.

 

[Hunnynutcheerios]

That’s actually cheap. Imagine having to spend a month or two in the Pediatric hospital.You talking close to $100,000 just to have a baby. Thanks America and your freedom.

No I know trust me. My first spent a week in the Nicu and I had a high risk pregnancy so I literally was the doctors every week but at that time I was a young teen mom and I had free insurance. I can’t even imagine what that bill was like.

 

[Hunnynutcheerios]

The important thing is that you and your baby are healthy. I know the bills suck, but that’s temporary. Congrats on the new baby!

Thank you. Yes that part I am very thankful for.

 

[wallyhopp]

Around my way there’s a clinic who says you’re covered for something as simple as a Covid test, and then they’ll hit you with $4,000 in medical billing in a month or two. Beyond shady.

they’re basically saying you’re in network and fine but then lie about it? There doesn’t seem to be enough of a political push to get this corrected.
It basically comes to the point where some facilities look like urgent care but are free standing 24/7 for profit medical buildings with ER services so they trick a lot of folks. They charge for ER services even if it’s just a simple test. People assume all medical facilities are the same or treated equally, but they are not.

 

[Hunnynutcheerios]

Around my way there’s a clinic who says you’re covered for something as simple as a Covid test, and then they’ll hit you with $4,000 in medical billing in a month or two. Beyond shady.

they’re basically saying you’re in network and fine but then lie about it? There doesn’t seem to be enough of a political push to get this corrected.
It basically comes to the point where some facilities look like urgent care but are free standing 24/7 for profit medical buildings with ER services so they trick a lot of folks. They charge for ER services even if it’s just a simple test. People assume all medical facilities are the same or treated equally, but they are not.

Smh a couple months ago I had to get a covid test and I was awaiting my results. I logged in and it told me my results were ready and I thought that was fast. Come to find out it said I had gotten tested on a different day at a different facility and that I had been test more than once over a course of a month. I had to call and they literally told me that someone else had the same name as me minus the middle and they had put it in the wrong profile. So basically someone was getting Covid tested in my name. I argued with the company but wtf

 

[lncognegro]

Can we talk about healthcare more specialty health insurance. What are you thoughts and any stories. I’ll give you back story today I was looking at my isurance portal and the bills I’ve gotten since I had a baby girl two months ago. Going through them and seeing bills for 20k see below. It’s crazy how much my insurance covered and the part I am still responsible for. I had mixed reactions on my social media today. I had people tell me well poor people get it for free and others saying how unfair it was. I am thankful for having good insurance but I can’t even imagine having crappy insurance and having to pay for this **** out of pocket. Tell me again why we can’t all have free healthcare?

Contrats on the baby glad everyone healthy.

I'm from Montreal this is unheard of around here. We have a 5 month old. We had a private room for 2 days, we did not pay a single dime.

 

[mplsdunk]

My boy was just in Montreal telling me we’re on the wrong side of the border.

then his *** goes to Italy and calls me talking about we’re on the wrong side of the world.

 

[waukeganwill]

Not even playing around, My current job pays $4500 towards your deductible, that was the deciding factor as to why I took it. I knew the wife and I wanted to have a kid and I had friends who racked up 20k+ hospital bills and I didnt want that. So took the job, paid the $500 portion for the wife, had My Son, and now Im bout to bounce.

 

[mplsdunk]

It’d still go to collections at some point. You’d be better off in the long run just not ever paying it. Take the hit on your credit and let it fall off after 7 years.

Pro tip: with collections never pay anything if you don’t intend to pay it off. Every time you pay ANYTHING it resets the clock on how long it’ll take to fall off your credit report. That’s why collections folks always try to get you to pay something, even if it isn’t close to what your payment is.

facts, once its in collections the damage is done. don't even pay any of it. just chalk it up and work on your credit from there.

I had like 8k go into collections on capitol one and discovery. never paid any of it. both those mf'er gave me cards with high limits 10 years later like it never happened.

 

[danikerhino]

facts, once its in collections the damage is done. don't even pay any of it. just chalk it up and work on your credit from there.

I had like 8k go into collections on capitol one and discovery. never paid any of it. both those mf'er gave me cards with high limits 10 years later like it never happened.

We make fun of Canadians and Europeans all of the time. But the older you get, the more you realize that we aren't on top of the world in all aspects like we've grown to believe. We gotta keep these issues in discussion until things change from us taking actions, even if that makes us lean more towards socialism rather than capitalism. They've been around longer(except Canada)so they had time to refine their society, now it's time we mature the **** up and stop thinking about chasing money/material and start prioritizing the importance of "quality of life". Restructuring the medical field greedy practices would be a good area to start.

 

[mplsdunk]

it's not even capitalism here man, it's just a government run by corporations. if it was capitalism none of those companies and banks would have got bailed out. they'd just die and go poor like we do.

I'm not ruling out moving to Europe in the future, I have zero faith in this place ever getting better.