Tired of seeing all this BS on the news. Can some people actually inform me on it? Is it really as bad as they say? I want to hear your opinions. Thanks everyone :)
No one knows. Not even the ones working in healthcare.
Its consciously designed to keep people working somewhere (corp). The moment you think of doing somethin by yourself, Bam!
It is best in the world care for those that can afford it. Insurance is hit or miss depending on a variety of factors. Most people get insurance through their employer and are happy with it. Those without insurance face difficulties. While emergency rooms must treat everyone that comes in. Preventive medicine would lower costs to society.
It doesn’t.
If you are rich it is the best in the world, else it's unaffordable and or non existant. One political party wants to add insurance for all, the other wants to remove it. That's basically it.
Yeah, huge disparity based on means.
If you have insurance and a little financial intelligence it's not bad. People like to quote that having a baby costs like $20k. That's how much the raw bill is. For 9 months of prenatal care, blood testing, ultrasounds, a birthing suite including a hospital bed and a separate bed for the spouse, jacuzzi tub, room service, etc it cost me $200 out of pocket. That was paid as a $50 copay during our prenatal visits. My plan was a PPO plan where I paid a higher premium up front and nearly everything was covered. There is also an option for a high deductible plan so you can pay a low premium and put the rest in to a tax advantaged savings account. If you get sick, you have the money. If you don't, you have retirement money. One of the biggest benefits of our system is the speed. I could go get an MRI today as a walk-in if I needed one. Places like Canada it can take many months to get on the list.
But an appointment takes several weeks. I hate the delays here. How do you have for retirement in PPO? Do you have a HSA or something?
I think he is saying with the cheaper policies. I use an HSA myself. I figure on average insurance companies make money so I'd rather have the higher deductable pay then less and save for rainy days.
You pick up a prescription (in the US) of any medicine that's manufactured in India and compare its price in India with the price in the US. Make a similar comparison for any treatment/procedure - medical, dental, or vision. You'll know what everyone is complaining about.
It is just a business as any other except that the “free” (😂) market is completely rigged by corporate money holding politicians hands. The US healthcare system does not work and is totally inefficient if you look at the spendings per capita and life expectancy. It is a manifestation of capitalism’s monstrous late stage.
Just wait until Bernie becomes the president, he'll make healthcare free for everyone like oxygen is.
It’s not bad if you have money or work at a good company (tech)
What happens when you retire though? Or if you get fired?
Even then it's shit. Went to the ER for something somewhat minor (ER was justified but it took 30mim to fix). "Oh, your insurance covers everything in this hospital except that specific doctor who is outside your network and we couldn't tell you beforehand, $4k please". WTF