US Health Insurance is Bullshit
Moonface Offline
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Looking at my bank account in the past half hour to see if I have enough money to pay for classes has once again left me feeling somewhat bitter about health insurance in the US, and I feel the need to rant about it and see where everyone else stands on it.

Basically, I have an insurance plan that costs me $500 or so a month. $6000 a year. That is just for health insurance. No vision, no dental. If I want those I'd have to pay separately, but luckily I get to have that at an actual reasonable rate on Shira's insurance she gets from her employer.

So far I've spent $5000 this year and I have yet to need to see a doctor. I doubt I will see one before 2020 rolls up, leaving me $6000 out of pocket for basically nothing but a security blanket I never used in the event I got carted to a hospital. However, this is America, and I'm sure despite my insurance I'd still end up with some ludicrous amount of money to pay the hospital that could potentially be more money than I've earned in my lifetime. Better yet, next year if I were to renew my insurance, I don't get anything for not used it this year. No bonus, no cut on my rate, just another contract for another $6000 that is just glorified bankruptcy insurance that might not even bail you out of an overinflated bill anyway.

Then there's the out of pocket shit, the prescriptions that will still top $300 depending on what you need and aren't covered in an insurance plan that doesn't top a five digit total, and whatever other bollocks that likes to live in the American healthcare system. Meanwhile no prescription cost me more than $10 in the UK and all health visits were free at time of use, with only about $40 of a $1200 paycheck going towards the NHS every month. Oh, and that covers vision and dental, we don't split out shit into some three course meal to strangle your bank account.

I just don't get how the actual fuck America is OK with this bullshit. How can anyone justify having that over something far more affordable that plenty of other countries have and make work? Seriously, I just don't get it. Errm
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Looking at my bank account in the past half hour to see if I have enough money to pay for classes has once again left me feeling somewhat bitter about health insurance in the US, and I feel the need to rant about it and see where everyone else stands on it.

Basically, I have an insurance plan that costs me $500 or so a month. $6000 a year. That is just for health insurance. No vision, no dental. If I want those I'd have to pay separately, but luckily I get to have that at an actual reasonable rate on Shira's insurance she gets from her employer.

So far I've spent $5000 this year and I have yet to need to see a doctor. I doubt I will see one before 2020 rolls up, leaving me $6000 out of pocket for basically nothing but a security blanket I never used in the event I got carted to a hospital. However, this is America, and I'm sure despite my insurance I'd still end up with some ludicrous amount of money to pay the hospital that could potentially be more money than I've earned in my lifetime. Better yet, next year if I were to renew my insurance, I don't get anything for not used it this year. No bonus, no cut on my rate, just another contract for another $6000 that is just glorified bankruptcy insurance that might not even bail you out of an overinflated bill anyway.

Then there's the out of pocket shit, the prescriptions that will still top $300 depending on what you need and aren't covered in an insurance plan that doesn't top a five digit total, and whatever other bollocks that likes to live in the American healthcare system. Meanwhile no prescription cost me more than $10 in the UK and all health visits were free at time of use, with only about $40 of a $1200 paycheck going towards the NHS every month. Oh, and that covers vision and dental, we don't split out shit into some three course meal to strangle your bank account.

I just don't get how the actual fuck America is OK with this bullshit. How can anyone justify having that over something far more affordable that plenty of other countries have and make work? Seriously, I just don't get it. Errm
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queenzelda Offline
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Because health care in America is all about the all mighty dollar. It's been that way since I can remember. Get used to it, its only going to get far worse before it might [maybe] get better.

As for me? I'm covered through my husband's health care he gets from work. We get spending money on a credit card to use only for insurince crap. If I go in for a check up once a year its free, any other time I'm paying $30. We have to pay for dental out of pocket but are reimbursed afterwards. But the eyes & glasses are covered: by certain places you see. It's nice, but not every place is covered for the eye stuff, its crazy.
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Because health care in America is all about the all mighty dollar. It's been that way since I can remember. Get used to it, its only going to get far worse before it might [maybe] get better.

As for me? I'm covered through my husband's health care he gets from work. We get spending money on a credit card to use only for insurince crap. If I go in for a check up once a year its free, any other time I'm paying $30. We have to pay for dental out of pocket but are reimbursed afterwards. But the eyes & glasses are covered: by certain places you see. It's nice, but not every place is covered for the eye stuff, its crazy.
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Moonface Offline
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I understand the reason is because of money. Money = America after all. I just can't believe that America doesn't seem to be unified on it being wrong or at least too much.

Another thing I found silly was you can apparently only purchase health insurance at the end of the year for the following year, and not at any time of the year. When I came to the US it was July, but I wasn't allowed to get health insurance and was forced to pay out of pocket for anything I needed. Granted, it was still cheaper than what insurance would've been, but had it been more expensive I had no option available to me. If someone had insurance through an employer and lost it, they're basically fucked for the rest of the year and it isn't even their fault. Errm
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I understand the reason is because of money. Money = America after all. I just can't believe that America doesn't seem to be unified on it being wrong or at least too much.

Another thing I found silly was you can apparently only purchase health insurance at the end of the year for the following year, and not at any time of the year. When I came to the US it was July, but I wasn't allowed to get health insurance and was forced to pay out of pocket for anything I needed. Granted, it was still cheaper than what insurance would've been, but had it been more expensive I had no option available to me. If someone had insurance through an employer and lost it, they're basically fucked for the rest of the year and it isn't even their fault. Errm
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queenzelda Offline
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Yup. For a time we had people like Berny Sanders fighting the good fight for better health care; but the battle for better health care as of late has been buried under neath all of the bull crap of the Republicans wanting to oust Pres Trump because he wasn't the agreed upon candidate to win who they had a deal with Hillary Clinton to win. But she LOST & Trump won. They want him out so bad that they're willing to make up their own laws & regulations in order to do so. Only problem is that there's so much more that could be done, then ousting him. Give him his last year & then everyone in the US can just vote him out if the voters will it to be so.

Still, the health care in the US has been broken for a very long time. Our mentality is that we have to take care of our own bills ourselves & not ask for any help. When maybe we should be demanding more. I suppose it's all in how you look at it.
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queenzelda Offline
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Yup. For a time we had people like Berny Sanders fighting the good fight for better health care; but the battle for better health care as of late has been buried under neath all of the bull crap of the Republicans wanting to oust Pres Trump because he wasn't the agreed upon candidate to win who they had a deal with Hillary Clinton to win. But she LOST & Trump won. They want him out so bad that they're willing to make up their own laws & regulations in order to do so. Only problem is that there's so much more that could be done, then ousting him. Give him his last year & then everyone in the US can just vote him out if the voters will it to be so.

Still, the health care in the US has been broken for a very long time. Our mentality is that we have to take care of our own bills ourselves & not ask for any help. When maybe we should be demanding more. I suppose it's all in how you look at it.
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Moonface Offline
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(Oct 10th, 2019, 07:43 PM)queenzelda Wrote:
Our mentality is that we have to take care of our own bills ourselves & not ask for any help. When maybe we should be demanding more. I suppose it's all in how you look at it.
I can see it. The US has given me a very clear impression of being a place where most people run by a "I've got mine" mentality. People seem to be concerned more about whether they have something over whether there's a better way of having it that benefits more than just themselves.
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(Oct 10th, 2019, 07:43 PM)queenzelda Wrote:
Our mentality is that we have to take care of our own bills ourselves & not ask for any help. When maybe we should be demanding more. I suppose it's all in how you look at it.
I can see it. The US has given me a very clear impression of being a place where most people run by a "I've got mine" mentality. People seem to be concerned more about whether they have something over whether there's a better way of having it that benefits more than just themselves.
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