I was reading this on Quora today: [quora.com]
Q: Is this true about healthcare in the United States: "People pay horrific premiums and ridiculous deductibles and have to become indebted if they seek care"?
A: I am going anonymous because I work for the billing department of a hospital. If you want to know just how bad it is let me provide you some of the real behind the scenes prices.
$450 - Every 15 mins a doctor does anything related to you
$650 - for 2 pills not much different than Tylenol or ibuprofen
$6,289.81 - 1 dose of chemotherapy not including the cost of the doctor and nurse.
$135 - Every x-ray image not including cost of the radiologist report.
$9994 - Every 12 hours in the ICU.
Those are just what bills I processed in between writing this answer. Now I am sending those to the insurance but 9 times out of 10 insurance will not even pay off half and the rest is sent to the patient.
So yes you will pay a large premium (Mine takes up 40% of my paycheck) and get large bills. the only way to win is to not get sick for any reason.
Now I am only 23 years old but this kind of ridiculousness is why I will only vote for a socialist to get this changed with the people collective in mind.
I don't know how genuine this 'anonymous" poster is, but I don't think I could afford to live in the US if medical treatment costs me an astronomical amount every time I get ill or injured.
Read on to find more anecdotes: [quora.com]
About a decade and a half ago, I broke my left tibia and fibia. I managed to keep it from being a compound fracture. Long story short, I was billed $60,000. The insurance company settled the claim for $20,000 .... Yes they did surgery and I stayed in the hospital for 2 days.
I'll stop here and just say, "Our healthcare system is so screwed up, I wouldn't even know where to begin to fix it." I don't even want to think about what the bill for the same thing would be today.
I just had abdominal-diverticulitis surgery on Dec 3, 2022. Lucky for me I have Medicare and a supplemental plan with Excellus. I was in a double room for three days. The total bill so far was $47,000 USD. My out of pocket expense was a $390 co-pay plus $1,100 that Excellus didn’t cover. I’m expecting a few more bills to come in.
I would never had afforded this necessary surgery if I was under 65 yo.
I have a copy of the itemized bill but have nothing to compare the costs.
Healthcare in the USA is a financial crap shoot.
Not only that but we don't get much for our money. Covid has proven the lie that we were told that this is the best health care system in the world. It is not and it hasn't been for a very long time. Infant mortality is high and a good system would not be shutting down like ours is, because of covid. Check this vid out: [cnn.com]
I was paying $1800 per month premiums for myself and two kids under 26, all healthy. Had a $7500 deductible and $10,500 out of pocket max (per person), which meant I paid premiums triple what my mortgage was AND paid every bill in full, anyway. Hospitalization would have been covered at some nominal amt IF we stayed more than five days there. All of this, and I worked a very respectable job, without issue for 22 years. Got laid off within 4 months of fully vested retirement. It’s worse than terrible.