Quote:
Originally Posted by aln
I couldn't agree with you more! On july 22 2013 I went to MRMC with severe angina via ambulance to emergency. After a cath and 1 night stay the bill was $22,000. (twenty two thousand). After medicare discounted $16,000, they paid 80.19% of the balance. Because they paid OVER 80% my UHC PPO group plan's terms say that if medicare pays over 80 the UHC pland doesnt' kick in till out of pocket exceeds $2200. I have to pay $1000 and complained to no avail. And just to note, I have met all my deductibles. I guess my point is INSURANCE SUCKS!
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What really sucks is having to pay your entire medical bill yourself.....every last dollar of it. All of us "spread our risk around" and dilute it in an insurance
risk-sharing pool, whether it's medicare or private insurance or the two combined.
I realize in the case you're describing that a technicality or fine print with the deductible in certain situations left you with a $1000 bill when you'd met your deductibles, and those technicalities do stink. But for the most part, I think many people are so focused on demanding 1st-dollar coverage that they overlook the big claims the insurer (and the taxpayer) does pay on the insured's behalf.