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CelestialScribe
Jan 16, 2008
My son spent two hours in an American hospital once. Docs literally just checked him out and waited to see if he had a concussion. The bill was $3,000.

I love my universal health care. Private health can get hosed.

If the United States isn't going to adopt universal health care, and it should, I feel like there are a few simple things you could do to make the current system just a tiny bit less poo poo:

- Completely ban "in network" and "out of network" arrangements. Your health insurance applies everywhere.
- A billing timeline. If you aren't billed within three months, you no longer have to pay. Too many stories of bills coming years later.
- Premiums at 10% max of income, out of pocket max at another 10% of your income.

Ideally everything would be free, but hey.

CelestialScribe fucked around with this message at 00:41 on Aug 7, 2020

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CelestialScribe
Jan 16, 2008

Kreeblah posted:

Burn it all down, salt the earth, and guillotine the people responsible for it.

If I don't have health care, I'm dead (thanks, unlucky roll of the dice), so because I have comparatively good healthcare where I currently am, it's making it really hard to find a new job. Meanwhile, even though I have insurance that covers me pretty well, I'm still completely terrified of something getting billed wrong, or some out-of-network person walking by when I'm at a hospital and then ending up with a $20k bill that I can't pay.

The out of network thing is what scares the poo poo out of me. So you can do the right thing, go to an in-network hospital, but by bad luck have an out-of-network doctor, and be stuck with the bill? Such bullshit.

Quick question: do out-of-network costs count towards your out of pocket maximum? Or does it depend on the plan?

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