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Health insurance
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this post was submitted on 07 Aug 2025
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The ambulance ride is $2,500 USD. It's out of network, so you owe 100% on that, we don't pay for it. No, you don't get to choose which ambulance service comes to pick you up, you get what you get and you have to pay if it's not in network. Oh, great news! Your emergency room is fully covered! But you haven't met your maximum out of pocket, and you still have your co-insurance and deductible, so another $2,500 USD, please. So, uh, the doctor in the emergency room that you never even saw, he's also out of network, so that's an additional $900. And the ibuprofen they gave you, that's $45 because we only cover 90 day prescriptions and those have to be pre-authorized. On the bright side, your share of the imaging is only only $1,800 USD. Pinky swear, we actually paid out $7,200 USD on that one.
When I got in an accident and was on the ground with a broken bone, the EMT asked if I had a preference about which hospital to go to. Like I was going to check out reviews with one working arm, from the pavement.
The US is a dystopia
Some people will already have a preference and not need to look up anything. I would have if the accident happened near where I live. Imo it's not a bad question at all.
It shouldnt even be a question.. Healthcare should be free.
My closest regional hospital is a steaming pile of shit. I'd gladly go to the slightly further one that is not a steaming pile of shit if asked.