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[–] dabork 7 points 4 points (+11|-7) ago  (edited ago)

Can you afford to pay a 20,000+ dollar hospital bill from a hospital that may not offer flexible if any financing options? Insurance is worth it for the discounted rates you get on services and presciptions. That's what you're really paying for, the privelage of being charged the rates they charge insurance companies instead of the skull-fucking they give people without it.

[–] [deleted] 1 points 5 points (+6|-1) ago 

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[–] destinthegreat 0 points 5 points (+5|-0) ago 

How about emergency hospital visits then? Also there must be something seriously wrong if we need to leave the country for something basic as health needs.

[–] [deleted] 0 points 3 points (+3|-0) ago 

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[–] dabork 0 points 2 points (+2|-0) ago 

And if everyone cancelled their comcast service they'd start offering us free blowjobs and no data caps.

Lots of things could change if we'd all unify as people but that shit just isn't going to happen.

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[–] billdred 0 points 0 points (+0|-0) ago 

The discounted rates are still highly inflated over the actual cost of the drug. Insurance shouldn't even cover prescriptions or services. It should exist for actual emergencies. What it is right now is a racket. You give them your money so that you can give them more of your money. The current model of health "insurance" does not really resemble insurance at all. When do you use car insurance? When you buy wiper blades, or when you get into an accident?

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[–] organicgangbang 0 points 0 points (+0|-0) ago  (edited ago)

It's not hard at all to negotiate hospital bills down when you're paying with cash. I've gotten two $10,000+ bills reduced to $2500ish just by saying that I couldn't pay the price they wanted. Took a thirty minute phone call and that's it.

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[–] veo 1 points 1 points (+2|-1) ago 

I've said this elsewhere, but even when i had insurance i would tell them i was private paying up front. they'll do the best job they can for the best price they can. You know, like it's supposed to work. then you can pay however you want.

I personally don't have insurance, and probably won't get any until they bring back true major medical insurance plans that only cover the stuff i need, not stupid shit like acupuncture, chiropractic care, autism services (I don't have autism), etc..

And then i'd take one of those plans with an HSA like i wanted to do a few years ago, before ACA basically made hsa's pointless.