Current Events > CNN: ''Las Vegas victims are struggling with huge medical costs''

(+) Yeah! (+)

Dat_Cracka_Jax posted...

FaytlessHearts posted...

Dat_Cracka_Jax posted...

Omega Hunter posted...

Personal responsibility right? Dont get shot.

The personal responsibility is that you save for ANY large expense that could occur. That includes any unexpected medical cost, which this certainly would be.

Dude...that's kind of jacked to think. These people werr massacred on a night they planned on having fun. It's their fault?

Please tell me where I said anything about what happened to them being their fault? Just because something isn't your fault doesn't mean that you will not be on the hook for anything that happens as a result of the tragedy. Sorry if that upsets you.

If a tragedy were to happen to you or your family which caused financial ruin, I guarantee your stance will change.
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Trump should personally pay for all medical care for all victims. It's the least he could do.
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chrono625 posted...

Dat_Cracka_Jax posted...

smoke_break posted...

Dat_Cracka_Jax posted...

Omega Hunter posted...

Personal responsibility right? Dont get shot.

The personal responsibility is that you save for ANY large expense that could occur. That includes any unexpected medical cost, which this certainly would be.

lmfao

Please look at things look at things objectively and don't let the emotions of this situation impact your thinking.

i agree with you.

my wife and I will always have about 15-20k in our account at all times for such a major emergency. it's there for various reasons, not as fun money.

If something major breaks in the house or one of us loses our job to help float the bills.

but where I disagree is that people shouldn't have to put domestic violence/terrorism on their list of things to save money for.

vegas/hotels/casinos really need to step up and cover these costs. especially the hotel where the guy managed to sneak in an arsenal of weapons to pull off this heinous act.

DevsBro posted...

This just in, people don't plan ahead.

But dude... Do you really think it's possible for many to sock that kind of money away? Cause it's just not for a lot of people.
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"It comes down to personal responsibility. You should always have a solid 200k+ stashed away in case you get shot or something else horrible happens to you and you can't work for years or pay medical bills, no matter how poor you might be.

If everyone just did that we wouldn't need the LIBERALS to whine about stupid things like universal healthcare and gun control"

-Conservatives
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Kajagogo posted...

Dat_Cracka_Jax posted...

Omega Hunter posted...

Personal responsibility right? Dont get shot.

The personal responsibility is that you save for ANY large expense that could occur. That includes any unexpected medical cost, which this certainly would be.

Are you for real???

Pure garbage opinion.
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I worked hard over several years to put over 20k in the bank

That shit would be nothing if i got fucking shot
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NikoIai posted...

I worked hard over several years to put over 20k in the bank

That shit would be nothing if i got fucking shot

But did you do it for The Motherland?
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wackyteen posted...

NikoIai posted...

I worked hard over several years to put over 20k in the bank

That shit would be nothing if i got fucking shot

But did you do it for The Motherland?

/dead
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To be honest the NRA or Republicans should foot the bill for all mass shooting victims since they wont ever help change the gun laws
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Yeah, could have figured that. It costs anywhere from 200-400 dollars here just to go to a Medex for five minutes so they can refer you to someone else.
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NikoIai posted...

I worked hard over several years to put over 20k in the bank

That shit would be nothing if i got fucking shot

Please take some time to understand how health insurance works.
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DarkProto05 posted...

Dat_Cracka_Jax posted...

FaytlessHearts posted...

Dat_Cracka_Jax posted...

Omega Hunter posted...

Personal responsibility right? Dont get shot.

The personal responsibility is that you save for ANY large expense that could occur. That includes any unexpected medical cost, which this certainly would be.

Dude...that's kind of jacked to think. These people werr massacred on a night they planned on having fun. It's their fault?

Please tell me where I said anything about what happened to them being their fault? Just because something isn't your fault doesn't mean that you will not be on the hook for anything that happens as a result of the tragedy. Sorry if that upsets you.

If a tragedy were to happen to you or your family which caused financial ruin, I guarantee your stance will change.

How do you know that a family member has not already had a tragedy ruin them financially? That is why I hold this opinion. I saw it first hand. Now my family and I taken measures to protect ourselves the best we can.
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You people are complaining about fucking health insurance instead of all the fuckery surrounding this shooting....unbelievable.
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Dat_Cracka_Jax posted...

Seems that the highest deductible plans I see have an 11k or so out of pocket for family. Maybe 16k for out of network.
That's definitely a huge number, but shouldn't bury anyone who has been adequately saving their money, especially a 41 year old.

You are being absurd. The only people who can save that kind of money are incredibly well off, and that's a status that the majority of Americans don't have.

If it weren't for the money it produced, hospitals and medicine would be taxpayer funded just like Police, Firefighters, and other public servants. And honestly, if you're shot by some lunatic, why should you be expected to pay a massive bill?
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Medicine as a business will always be a mistake. It's absolutely disgusting to me that it is.
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People should save for 6 months of unemployment. Hardly anyone can truly save for medical bills. It's too easy to get buried in this country in costs.
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Perascamin posted...

Dat_Cracka_Jax posted...

Seems that the highest deductible plans I see have an 11k or so out of pocket for family. Maybe 16k for out of network.
That's definitely a huge number, but shouldn't bury anyone who has been adequately saving their money, especially a 41 year old.

You are being absurd. The only people who can save that kind of money are incredibly well off, and that's a status that the majority of Americans don't have.

Incredibly well off? Lol, just no. I have that in savings and my wife and I earn under 100k combined.
Hell, my wife saved 30k for a house down payment on her own with a teacher salary. You just have to be disciplined.
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Dat_Cracka_Jax posted...

Perascamin posted...

Dat_Cracka_Jax posted...

Seems that the highest deductible plans I see have an 11k or so out of pocket for family. Maybe 16k for out of network.
That's definitely a huge number, but shouldn't bury anyone who has been adequately saving their money, especially a 41 year old.

You are being absurd. The only people who can save that kind of money are incredibly well off, and that's a status that the majority of Americans don't have.

Incredibly well off? Lol, just no. I have that in savings and my wife and I earn under 100k combined.
Hell, my wife saved 30k for a house down payment on her own with a teacher salary. You just have to be disciplined.

And you don't deserve to lose your savings for causes that aren't your fault. Neither does anyone else. The victims shouldn't be responsible. Period.
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DarkProto05 posted...

Dat_Cracka_Jax posted...

Perascamin posted...

Dat_Cracka_Jax posted...

Seems that the highest deductible plans I see have an 11k or so out of pocket for family. Maybe 16k for out of network.
That's definitely a huge number, but shouldn't bury anyone who has been adequately saving their money, especially a 41 year old.

You are being absurd. The only people who can save that kind of money are incredibly well off, and that's a status that the majority of Americans don't have.

Incredibly well off? Lol, just no. I have that in savings and my wife and I earn under 100k combined.
Hell, my wife saved 30k for a house down payment on her own with a teacher salary. You just have to be disciplined.

And you don't deserve to lose your savings for causes that aren't your fault. Neither does anyone else. The victims shouldn't be responsible. Period.

You're right that no one deserves that, but things can and do happen all the time and that's what the savings are there for.
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Don't. Get. Shot.

KingArthur3D posted...

Don't. Get. Shot.

Exactly. Maybe next time they think twice leaving the house without a bulletproof vest. Their fault not prepping for rare emergency events.
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So once I've spent all my savings on medical bills, then what? Cross my fingers and hope no other emergency pops up while I get my savings back up? How long should that take me? Maybe I recently had an emergency and had to gut my savings before some random asshole shot me randomly for some random reason. What then? I should have been prepared?

Having savings for emergencies is good advice and nobody can really argue against that, but the shit shouldn't be applied to this situation.
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wackyteen posted...

http://money.cnn.com/2017/10/25/pf/insurance/las-vegas-shooting-health-care/index.html

Kurt Fowler and his wife, Trina, were celebrating their 18th wedding anniversary at a country music festival when the shooting started. Fowler, 41, knew he'd been hit in the ankle and couldn't run. He hid under the stage until the gunfire ended.

"I knew my foot was completely useless," said Fowler, a firefighter from Lake Havasu City, Arizona, and a father of three. He underwent surgery, spent nearly two weeks in the hospital and still may need another operation. He also will need rehabilitation and follow-up visits with a specialist.

Fowler has a Blue Cross Blue Shield PPO through his job, but he said he doesn't know how much he will have to pay out of his own pocket for the care he is receiving. In an era of higher deductibles and limited choice of in-network doctors, however, he knows he could face significant medical bills.

His insurance card says his individual deductible is $5,000 and his coinsurance 20%. He said he didn't know how much his health plan would cover for out-of-state care.

"Medical expenses are astronomical these days," Fowler said from his bed at Sunrise Hospital & Medical Center in Las Vegas. "It's a mountain that just doesn't seem like it's gonna be climbable, but we are gonna do our best."

As hundreds of survivors struggle to recover emotionally and physically from the Oct. 1 attack, they are beginning to come to terms with the financial toll of the violence perpetrated against them. Even those who are insured could face untold costs in a city they were only visiting.

The total costs of medical care alone could reach into the tens of millions of dollars, said Garen Wintemute, who researches gun violence at the University of California-Davis.

And that is just the beginning. Many survivors will be out of work for months, if they are able to return at all.

"We really don't have a good handle on the intangible costs of something like this ... the ripple effects on family and friends and neighborhoods when a large number of people have been shot," Wintemute said.

More than 100,000 people are shot every year in the U.S., according to the Centers for Disease Control and Prevention. That generates about $2.8 billion per year in emergency room and inpatient charges alone, according to a recent study in Health Affairs. The average emergency room bill for an individual gunshot victim is $5,254 and the average inpatient charge is $95,887, according to the study.

...

California and some states protect consumers from such bills, but Nevada is not one of them, said Sabrina Corlette, a research professor at Georgetown University's Center on Health Insurance Reforms. But Corlette said most insurers allow patients to request exceptions based on the circumstances.

"In this situation, I imagine most insurers are going to want to be compassionate and work something out," she said.

The victims and their families aren't the only ones who will be affected financially by the mass shooting. Taxpayers, too, pick up much of the tab for the health care costs associated with gun violence because many patients are covered by Medicaid and Medicare, two government insurance programs.

There's more in the article.

Kind of fucked up that you go to a concert, get shot by a deranged mother fucker, and you're the one who has not only your day to day fucked, but your financial life fucked over also. <_< and some people want it this way

If I want to the hospital for the stomach flu and all they did was just re-hydrate me for about $1,000, then I can imagine how much the victims of the shooting are paying. It could be in the $30,000s.

Dat_Cracka_Jax posted...

Omega Hunter posted...

Personal responsibility right? Dont get shot.

The personal responsibility is that you save for ANY large expense that could occur. That includes any unexpected medical cost, which this certainly would be.

Im pretty libertarian but I disagree with this. The insurance company's role is to insure you in case of accidents. Of course in reality insurance companies do anything possible to avoid paying when an accident does happen. If the government would stop subsidizing shitty insurance companies and there was a free market with actual competition among insurane providers, I think the insurance companies would be much more accountable to the customers.

cerealbox760 posted...

KingArthur3D posted...

Don't. Get. Shot.

Exactly. Maybe next time they think twice leaving the house without a bulletproof vest. Their fault not prepping for rare emergency events.

I can't tell if these type of responses are trolls or if they really just don't get it. I mean the other responses seem to at least get the concept.
shnangyboos posted...

So once I've spent all my savings on medical bills, then what? Cross my fingers and hope no other emergency pops up while I get my savings back up? How long should that take me? Maybe I recently had an emergency and had to gut my savings before some random asshole shot me randomly for some random reason. What then? I should have been prepared?

Having savings for emergencies is good advice and nobody can really argue against that, but the shit shouldn't be applied to this situation.

You are talking about an extremely rare situation where two savings draining emergencies occurred very close to each other.
You would have to work with the hospital on setting up a payment plan in this case. They do that sort of thing all the time for large bills.
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Dat_Cracka_Jax posted...

cerealbox760 posted...

KingArthur3D posted...

Don't. Get. Shot.

Exactly. Maybe next time they think twice leaving the house without a bulletproof vest. Their fault not prepping for rare emergency events.

I can't tell if these type of responses are trolls or if they really just don't get it. I mean the other responses seem to at least get the concept.
shnangyboos posted...

So once I've spent all my savings on medical bills, then what? Cross my fingers and hope no other emergency pops up while I get my savings back up? How long should that take me? Maybe I recently had an emergency and had to gut my savings before some random asshole shot me randomly for some random reason. What then? I should have been prepared?

Having savings for emergencies is good advice and nobody can really argue against that, but the shit shouldn't be applied to this situation.

You are talking about an extremely rare situation where two savings draining emergencies occurred very close to each other.
You would have to work with the hospital on setting up a payment plan in this case. They do that sort of thing all the time for large bills.

An extremely rare situation? Like saving up for a wedding ring, a wedding, reception, honeymoon, and so on and then getting shot after you spent all your money on that?

There are hundreds of people in the same boat this guy's in. You really think it's likely that none of the rest of them already have issues going on in life? And they should all be in debt to the hospitals because of one man?
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itachi15243 posted...

Dat_Cracka_Jax posted...

cerealbox760 posted...

KingArthur3D posted...

Don't. Get. Shot.

Exactly. Maybe next time they think twice leaving the house without a bulletproof vest. Their fault not prepping for rare emergency events.

I can't tell if these type of responses are trolls or if they really just don't get it. I mean the other responses seem to at least get the concept.
shnangyboos posted...

So once I've spent all my savings on medical bills, then what? Cross my fingers and hope no other emergency pops up while I get my savings back up? How long should that take me? Maybe I recently had an emergency and had to gut my savings before some random asshole shot me randomly for some random reason. What then? I should have been prepared?

Having savings for emergencies is good advice and nobody can really argue against that, but the shit shouldn't be applied to this situation.

You are talking about an extremely rare situation where two savings draining emergencies occurred very close to each other.
You would have to work with the hospital on setting up a payment plan in this case. They do that sort of thing all the time for large bills.

An extremely rare situation? Like saving up for a wedding ring, a wedding, reception, honeymoon, and so on and then getting shot after you spent all your money

No. Extremely rare in the context of what the poster was asking.
Also, my wife and I spent very little on the items you listed relative to what Americans do these days. Also emergency funds are not to be used on weddings and other planned expenses.
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Dat Obamacare
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Sue the estate of the guy who shot them.

Really if most of these people don't have much savings the medical debt is all going to be wiped out in bankruptcy.
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