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Sick and struggling to pay, 100M people in the U.S. live with medical debt

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211–220 of 381 posts

Re: Sick and struggling to pay, 100M people in the U.S. live with medical debt

#211

Just watched John Q (2002) last night, and can't believe that despite all the attention it gets, nothing has changed at all. Can't say I'm surprised though.

The healthcare sector is still quite profitable despite the debt, slow payments, and defaults. What is their motivation to change?

Joseph-Ignace Guillotin invented something that would motivate them.

Re: Sick and struggling to pay, 100M people in the U.S. live with medical debt

#212

> Elizabeth Woodruff drained her retirement account and took on three jobs after she and her husband were sued for nearly $10,000 by the New York hospital where his infected leg was amputated. I'm not sure what sort of retirement they had planned to have on less than 10k, but it looks like in this case the hospital knew they could afford to pay but preferred not to. When people use number of jobs rather than hours wo…

From both the context and the picture it's clear she's not actually, you know, retiring. The amount in someone's retirement account is meaningless unless you know their age and their income. Yeah, $10k isn't a lot if you're in your 60s and living a lifestyle that costs 6+ figures a year; it's a lot if you're making $30k a year and are in your 20s, and quite understandable if in your 30s at that income level. Three jo…

I work in healthcare and grew up poor in the US, and had medical debt of my own so I can read between the lines here. People absolutely get screwed over by medical debt, I'm just saying these are terrible examples of that happening.

Re: Sick and struggling to pay, 100M people in the U.S. live with medical debt

#213

Earlier quoted context omitted.

Unless you make millions, it's unlikely your finances could survive an ICU admission.

If you're not incredibly rich, you're just temporarily holding all your savings & retirement accounts for the hospitals and nursing homes that'll eventually take all of it. And then some.

You can file bankruptcy which will protect your retirement accounts. There are other way to protect your assets and money as you get older and risk gets higher.

It should not be this way though because mostly the wealthy take advantage of protecting their assets as it requires some money.

Re: Sick and struggling to pay, 100M people in the U.S. live with medical debt

#214

Earlier quoted context omitted.

I wonder how they consider my family who receives bogus bills that are being mishandled by insurance or the hospital or both.

2/3 childbirths we missed one (tiny, in both cases) medical bill and it ended up in collections. We were getting like 3-5 letters per provider per visit, and many visits resulted in bills from multiple providers. "NOT A BILL" (so why the fuck are you sending it to me?) same thing again from insurance for some reason, incorrect bills we had to fight, insurance refusing to pay on things they should so that drags out fo…

We've encountered similar situations (especially the "NOT A BILL" fuckery) and the "oh don't pay it when it arrives because insurance is always slow" shit - but luckily none of our three births have been that bad cost/handling wise, even though we used three different hospitals (same insurance).

The smaller hospitals in general have been better but it's so obviously a giant clusterfuck.

I can't even imagine how someone without partner support (who the hell wants to deal with hospital fuckery post-partum) does it.

Re: Sick and struggling to pay, 100M people in the U.S. live with medical debt

#215

Earlier quoted context omitted.

> Average nurse practitioner salary 115k. Why are they putting medical debt on credit cards? Are you asking why they couldn't afford 70% of an average salary (which, there is a 50% chance this person made less than the average) in one shot? Your entire post seems to be victim blaming based on a few sentences of context. You don't know what other debts and obligations these people had, nor what other avenues they trie…

Maybe what they are asking is how someone making an average of 115k, who is also in healthcare doesn’t have better health coverage and still decides to have a kid.

That's not at all a normal cost of having a kid. It says she ended up with twins and they were born prematurely. That said, I have no idea why it wasn't covered or how she ended up getting stuck with the bill. I've had catastrophic occurrences like this, too, years worth of spine surgeries in which I racked up a few million dollars of expenses, but my out of pocket max was $4,000 and that was all I ever had to pay in a year. Any charges denied by the insurance were just dropped by the provider, not pushed to me.

So it raises the question of what kind of shitty coverage she had that was able to do this, or if she just had no coverage at all for some reason, which as far I understand, is supposed to be illegal after PPACA (you can always buy from the exchanges and they can't say no).

Re: Sick and struggling to pay, 100M people in the U.S. live with medical debt

#216
post #203

America has socialized healthcare with a hundred extra steps and implemented in the most inefficient way possible so that everyone comes out worse. Hospitals aren't allowed to deny care (obviously). They will bill people outrageous amounts and know that they will only ever see a fraction of it. So prices for people who do pay are raised considerably to make up for it. People don't get early preventive care due to cos…

Emergency rooms at hospitals that accept Medicare are not allowed to deny care under EMTALA.

Hospitals that do not accept Medicare can run a 24 hour, high level of service department and deny care all they want.

There's no requirement to provide non-stabilizing care.

Re: Sick and struggling to pay, 100M people in the U.S. live with medical debt

#217
post #170

What depresses me the most about this situation is the callous, unempathetic disregard a significant portion of the population has for everyone not like them. "Just get a good paying job with health insurance" is not and should not be the basis for a health care policy. Americans are profoundly selfish and that's getting harder and harder to ignore. Many will defend such practices in the name of "freedom". "Freedom"…

> What depresses me the most about this situation is the callous, unempathetic disregard a significant portion of the population has for everyone not like them. "Just get a good paying job with health insurance" is not and should not be the basis for a health care policy. The problem is this is a straw-man argument. We can agree that healthcare costs are too high, and have empathy for people who are being screwed ove…

This is a borderline bad faith argument because the US stands alone as pretty much the only developed nation without universal health care [1] while simultaneously throwing our hands up in the air saying there's nothing we can do.

And that's the problem.

Insulin as just one example is spectacularly expensive in the US [2] for absolutely no good reason and the only way this is allowed to happen is that the Federal government has been successfully lobbied to not negotiate pricing AND to disallow the importation of the exact same medication from other countries.

[1]: https://www.theatlantic.com/international/archive/2012/06/he...

[2]: https://worldpopulationreview.com/country-rankings/cost-of-i...

Re: Sick and struggling to pay, 100M people in the U.S. live with medical debt

#218

Earlier quoted context omitted.

> not them being actual no-bullshit criminals Thou shalt never assume malice so sayeth lord Hanlon (brought to you by Carl's jr.)

I truly don't think everyone involved could be making so many mistakes in their own favor if it weren't the result of policies tuned to ensure that happens.

The policies are designed to find errors in the client's favor, that's manifestly clear.

Penalties need to be attached to misbilling; it needs to be made effectively illegal and allow others to help collect the penalties, then an industry of scummy lawyers will appear to help customers reduce their bills at the expense of the hospitals.

And they'd deserve it.

Re: Sick and struggling to pay, 100M people in the U.S. live with medical debt

#219
post #170

What depresses me the most about this situation is the callous, unempathetic disregard a significant portion of the population has for everyone not like them. "Just get a good paying job with health insurance" is not and should not be the basis for a health care policy. Americans are profoundly selfish and that's getting harder and harder to ignore. Many will defend such practices in the name of "freedom". "Freedom"…

> What depresses me the most about this situation is the callous, unempathetic disregard a significant portion of the population has for everyone not like them. "Just get a good paying job with health insurance" is not and should not be the basis for a health care policy. The problem is this is a straw-man argument. We can agree that healthcare costs are too high, and have empathy for people who are being screwed ove…

In the early 90s housing was much cheaper, so were cars and everything else.

I would love to see some evidence that US policy has caused the skyrocketing medical bills.

US already spends THE MOST tax money on healthcare even though it doesn't offer healthcare like ALL the other 1st world nations.

Re: Sick and struggling to pay, 100M people in the U.S. live with medical debt

#220

None of these metrics will change the political stance our one majority party took. They have shut their eyes and ears and are hell bent on preserving the interests of the lobbying companies and fetishizing “free market competition”. I can bet a sizeable amount of money that nothing will change in the next 50yrs even. Today there is still a rule that a hospital cannot say no to a patient, I strongly believe that is o…

I make this comment in a lot of threads, but if democrats wanted to fix this problem, they would write legislation for it and try to get it passed. Instead, all we get (from both parties) are massive 1000+ page bills that include a bunch of completely unrelated stuff. Why haven't democrats produce a 10 page bill with a tl;dr of "medical debt is hereby abolished"? Stop pretending the clowns pretending to be politician…

Last time I proposed this same thing in a blog comment section (Lawyers, Guns, and Money) a couple of people said "but filibuster" and the rest went straight to an absolute firehose of middle-school-level verbal abuse. I've had similar reactions from other self-proclaimed progressives. Nonetheless I stand by the idea. These big omnibus bills give every single opponent (and some "mavericks" a.k.a. turncoats in one's own party) their very own personal reason to vote against it without political consequence. A more focused bill at least has a slight chance of prying loose a few around the edges, if only because they know that their "no" vote will be used effectively against them in the next election cycle with no room for excuses. When your legislative success rate (not counting bills to name post offices) is close to zero already, might as well try something different.
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