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Hospital Price Gaps Show Just How Broken the US Health-Care Market Is
(www.bloomberg.com)
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this post was submitted on 26 Dec 2023
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I'm pregnant and picked my husband's insurance because it covers the only hospital within an hours drive where I can give birth. After it was too late for us to change insurance options, they informed everyone who signed up that they may not cover that hospital. We may not hear if they are covering the hospital until February. If they don't cover the hospital we will need to pay all prior visits out of pocket, and it will be too late for me to find a provider within network because I'll be too far along, but I'll also need to go even further to find a hospital.
So much freedom. The wait times are so short, I'll need to start working part time just to accommodate the drives to want from my appointments. Not too worry, until I pay the deductible of 10k insurance may be willing to cover up to 10% of the necessary appointments. Private insurance costs more with insurance than out of pocket private providers in Canada.
In my province of Alberta, private health insurance was not an option. At all.
You still have a lower chance of dying from lack of healthcare options or going bankrupt from the only option available. Still though, I've heard pretty bad stories of things that shouldn't be pushed off having long wait times because that's the system in Canada. There has to be a middle ground between death/bankruptcy and healthcare only for those who need it to live tomorrow.
I knew a lady with heart palpitations who was told the first appointment (Alberta) would take six months. She went to Idaho and got seen right away by paying cash. They diagnosed her with a condition that needed surgery. Even with the diagnosis, it was going to be another six months to get the surgery in Alberta. So she went back to Idaho and got the surgery right away. It cost a few thousand dollars. So it's just a two-toer system with extra steps at that point
Only a few thousand dollars???? I had a tumor taken out, with insurance, paid around $8k. I had a persistent sinus infection and couldn't breath for most of my life, need surgery, with insurance, paid $4k and got diarrhea for months due to antibiotics that insurance determined I needed before surgery (surgeon didn't see why it would bee helpful since my physiology was messed up, no air flow isn't fixed by antibiotics). Each state is different, different parts of each state are different too.. Still though, that sounds like it was a really good move for you and I'm glad you had that opportunity..
It was an acquaintance, but yes. Thing is, if you don't have insurance, your price is usually deeply discounted. A few weeks ago I needed a scan of a vein for a blood clot. My copay was $300 (and who knows how much the total paid by insurance would be), but they said I could just pay cash and not go through insurance and it was only $130. That's part of the problem with our system.