Current Events > I went to see urgent care for chest pains recently...

(+) Yeah! (+)

I have insurance.

They did a breathing treatment, an EKG(on a cart), and checked my blood pressure.

Literally cost me $950

What in the actual fuck. Fuck healthcare in the US. holy shit
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$950 out of pocket or $950 total?
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Think its out of pocket. I got an email from my provider, with the claims.

They cover like $5 of each test, its honestly a joke
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Can you get financial assistance for urgent care visits lol
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Imagine living in a first world country where this happens to people.

ArchiePeck posted...

Imagine living in a first world country where this happens to people.

I'd rather not imagine such a nightmare.
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M_Live posted...

lww99 posted...

Can you get financial assistance for urgent care visits lol

I'm in a similar boat except with more money, I got sick a few months back and had to get surgery, between the doctor visits and then the hospital bill I still owed like nearly $7k after insurance. Fucking nuts. The hospital was threatening me with collections and shit and I dont even qualify for any reductions or assistance because I make 'too much' (like $30k a year lmao :/) and they weren't happy with me paying them what I could on a payment plan. Never mind that I have to pay rent, car insurance, etc. Fucking crazy man. I'm considering taking a hardship loan from my 401k to alleviate some of this debt because my entire paycheck every week is just going to paying off debts rn because I had to get my car repaired right within the same time frame too

Im in a very similar financial situation. I make around 30k. But between my mortgage, car payment, heath car and home insurance, credit card, Home Depot card, etc..... I might have $100 left over a month lmfao
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sorry to hear that man

if you want to pay for a flight over here, ill try and sneak you some free healthcare

when are you going to get the results?

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I walked in for a fever and vomiting on Tuesday and it cost me nothing

sucks dude
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Capitalism working as intented

Man that sucks. When I went in for tests to see if I had pneumothorax again it didnt even break double digits.
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I learned from a mortgage lender that most lenders now dont even factor medical debt into their decision when determining ones creditworthiness. Fucking crazy.

They also said that if someone from collections calls you about the debt, dont say anything about starting a new payment plan etc. to pay it off because it makes the debt new and will affect your credit. After a certain point, medical debt doesnt even fuck with your credit.

Its nuts that mortgage lending as an entire industry recognizes how ridiculous medical debt is.
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We need Medicare for All.

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Parappa09 posted...

sorry to hear that man

if you want to pay for a flight over here, ill try and sneak you some free healthcare

when are you going to get the results?

Thats the kicker. They told me everything was fine. But here I am, weeks later, with the same symptoms.

But I cant go get checked out again because I clearly cant afford it. Fucking blows
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its crazy how the middle class just gets screwed over, im extremely poor and on medicaid and get everything covered for free except for once in a while have to pay $1-3 for medication.
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I had this done a few months ago didn't cost anything.

Cant imagine how much I'd have to pay if I lived in the states even my apendix probably would of cost 10 thousands.
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lww99 posted...

Thats the kicker. They told me everything was fine. But here I am, weeks later, with the same symptoms.

But I cant go get checked out again because I clearly cant afford it. Fucking blows

i mean then it should go back to them to do other tests and investigate further to see whats wrong

unless its stress or anxiety induced?

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my friend went to the hospital for chest pains too, he left with a $700 bill and all the doctor told him was to eat a banana, he was low on potassium or somethin
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Its scary how all it takes one involuntary visit to the hospital to bankrupt an average American.
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Where are the bootlickers to tell us the system is fine and to just stop being poor

Parappa09 posted...

lww99 posted...

Thats the kicker. They told me everything was fine. But here I am, weeks later, with the same symptoms.

But I cant go get checked out again because I clearly cant afford it. Fucking blows

i mean then it should go back to them to do other tests and investigate further to see whats wrong

unless its stress or anxiety induced?

That was my first thought. But Ill feel it flare up when Im just watching tv, with no apparent stress going on.
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ArchiePeck posted...

Imagine living in a first world country where this happens to people.

Americans have it pretty rough tbh for a first world nation.

Terrible health care (relatively), extreme amount of gun violence, insane real estate prices considering the shoddy quality of the actual construction. The only real positive is fairly cheap gas.
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Ilishe posted...

insane real estate prices considering the shoddy quality of the actual construction

to be honest, this one is happening all over the world

but i guess the rest is exclusive enough to america. oh and school shootings

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And unfortunately, one does not simply just move to another country

I wish I was born somewhere with universal healthcare. Oh well I guess
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but to be honest, i have a very laidback attitude when it comes to health

ill only see a doctor when its getting to be obstructive in my life. if its a few pains or it doesnt hurt too much, then ill wait a while to see if it goes away

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Im the same way. This is the first time Ive seen a doctor in probably 5 years.
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imagine if you went to the ER
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Oh and I probably need to get a tooth pulled in the front of my mouth.

So its pay 3k for an implant, or look like a fucking hilljack.

COOOOOOOL
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When I had symptoms like that, it ended up being due to stress. Are you having more stress than usual in your life right now?
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lww99 posted...

That was my first thought. But Ill feel it flare up when Im just watching tv, with no apparent stress going on.

I used to have panic attacks a long time ago and they would get me out of no where. I would be lying on the beach relaxing when an attack came, or just grocery shopping, watching TV, etc. Initially I thought I had heart problems because my chest would hurt out of no where and also did an EKG that was normal. In my case I discovered it was due to a new medication I started. Once I quit it, they stopped. But I believe its possible that anxiety attacks can occur whenever.

Has there been anything stressing you lately?

What we need is the government to stop interfering in everything. Just like with the cost of schooling everything is so high because it's subsidized. That doesn't mean it's subsidized for everyone. But somebody always gets the shaft. I do understand things like medicine costing money. It takes someone's time and labor to produce. But things like x-rays or CT scans or things that require machines that are made already costing a lot is crazy.
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Idk, I guess Ive always been a little more stressed than I should. But none if its really new.

Had the same job for 5 years.
Had the same s/o for 5 years(stress there but not new)
Living situation hasnt changed.

Not sure
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Whats your deductible?

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TheGoldenEel posted...

Whats your deductible?

Hahaha $7,500.

I pay $150 a month
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lww99 posted...

Hahaha $7,500.

I pay $150 a month

Do you get a tax subsidy?

Maybe the ACA has gotten this inflated but when i was getting tax subsidized for Obamacare my $1000 deductible insurance was like $420 but I got a $400 subsidy from the IRS so it was $20 a month.

If you're strictly buying insurance from the marketplace with no job yeah you can blame Obama for your ridiculous deductible. If you make like $10,600 a year they basically give you insurance via IRS, if you make less you're screwed.

But who is 'making it' on $11k a year? Nobody that is living by themselves.

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yemmy posted...

lww99 posted...

Hahaha $7,500.

I pay $150 a month

Do you get a tax subsidy?

Maybe the ACA has gotten this inflated but when i was getting tax subsidized for Obamacare my $1000 deductible insurance was like $420 but I got a $400 subsidy from the IRS so it was $20 a month.

If you're strictly buying insurance from the marketplace with no job yeah you can blame Obama for your ridiculous deductible. If you make like $10,600 a year they basically give you insurance via IRS, if you make less you're screwed.

But who is 'making it' on $11k a year? Nobody that is living by themselves.

Im not really sure what that is unfortunately.

But yeah my insurance is through my employer
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I dont consider myself depressed or suicidal, but Im starting to wonder if theres even a point to all of this?

I swear before I pay one thing off, three more bills pop up. Its a never ending cycle and its fucking exhausting.

Im literally living to work, to BARELY cover my bills

Some life
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Yeah that's the worst. The random bills that come a week, then two weeks, then a month later. They need to get their shit together.

I have a really tough time trusting doctors after a big goose chase convinced me they care more about making money with the latest big pharma fads, than actually helping people.

lww99 posted...

Im not really sure what that is unfortunately.

But yeah my insurance is through my employer

God damn I'm lucky. I am single, but i pay like 30 bucks a month for $1000 deductible on major medical (an EKG would count toward that) and 25 dollar doctor visits. $15 prescriptions.

If I had a kid or wife it is like $300 more a month but still isn't bad.

I dont get why some employers have such shit insurance.

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lww99 posted...

And unfortunately, one does not simply just move to another country

I wish I was born somewhere with universal healthcare. Oh well I guess

It's all relative. Instead of making 30k a year in America you can make 50k a year in Canada and give 20k a year in taxes to the government then claim your doctors visit was "free".

Its just a forced payment plan whether you use it or not. Almost all medications are still out if pocket unless your employer has benefits. If they do, you still have to write off the benefits as income and its taxable.

lww99 posted...

TheGoldenEel posted...

Whats your deductible?

Hahaha $7,500.

I pay $150 a month

Sweet zombie Jesus, I pay a bit less than that but get way better coverage. State job has good benefits I guess?
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lww99 posted...

Oh and I probably need to get a tooth pulled in the front of my mouth.

So its pay 3k for an implant, or look like a fucking hilljack.

COOOOOOOL

appearance isn't everything. long as able to eat it's fine.
then again i have really low standards.
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kingdrake2 posted...

lww99 posted...

Oh and I probably need to get a tooth pulled in the front of my mouth.

So its pay 3k for an implant, or look like a fucking hilljack.

COOOOOOOL

appearance isn't everything. long as able to eat it's fine.
then again i have really low standards.

I have a couple teeth missing already, but they arent noticeable at all. Both are on the bottom/ back end of my mouth.

Missing one right where everyone could see would really suck tbh
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um, you prob want implants for those too at some point

doing otherwise allows teeth to shift and creates other jaw problems
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Sorry to hear that--but yeah, I pay what seems like a fortunate for health insurance every paycheck, but then on the rare occasion I go to the doctor for something simple, like basically just to get on antibiotics or something, it pays like $20 and I still owe $150... one time the doctor was like, "well, we'll just give you a flu test to see if that's what it is," *gives test* "nope, not flu." Then I get a bill for $350 just for that test. >_>
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Sackgurl posted...

um, you prob want implants for those too at some point

doing otherwise allows teeth to shift and creates other jaw problems

Yep, but implants cost $3000 per side and I clearly cant afford that. So fuck me
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