this post was submitted on 12 Sep 2023
2034 points (98.4% liked)
Comic Strips
12812 readers
3368 users here now
Comic Strips is a community for those who love comic stories.
The rules are simple:
- The post can be a single image, an image gallery, or a link to a specific comic hosted on another site (the author's website, for instance).
- The comic must be a complete story.
- If it is an external link, it must be to a specific story, not to the root of the site.
- You may post comics from others or your own.
- If you are posting a comic of your own, a maximum of one per week is allowed (I know, your comics are great, but this rule helps avoid spam).
- The comic can be in any language, but if it's not in English, OP must include an English translation in the post's 'body' field (note: you don't need to select a specific language when posting a comic).
- Politeness.
- Adult content is not allowed. This community aims to be fun for people of all ages.
Web of links
- [email protected]: "I use Arch btw"
- [email protected]: memes (you don't say!)
founded 1 year ago
MODERATORS
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
Good insurance won't, but the problem is, most companies don't provide "good" insurance. In most cases you are better off without it.
One company I worked for had the worst insurance I've ever seen.
I paid like $180 per paycheck JUST FOR ME! and I had no co-pay woooooHhhOoooo! Well anytime I'd go to the doctor i'd be fucked, with one visit really sticking out in particular: I went in knowing I had strep throat and just needed a doctors note. Doc took one look (didn't do any tests or anything because it was really obvious) said "yep, you've got strep. " gave me my note, and I was oit of there in like 5 minutes... A week later? A $200 bill…. What…. The…. FUUUUUUUUUUUUUUCK!? Yeah bad insurance will ruin you.
If you had no co pay you wouldn't have had a $200 bill ( unless you went out of network and then fuck you for wanting to have a choice)
Found the European (or just someone young who doesn't know much about typical insurance shell-gaming).
You have no copay, but most insurance plans include any non-preventative visit in the deductable. That means you are responsible for 100% of the bill until your $1500/yr deductible (in as low deductible-plan, a LOT higher in most plans) is reached. To look like they're actually doing something, they treat the negotiated rate from the doctor's MSRP as a "discount" (the doctor says $300, the insurance negotiates you to $200). The really ugly irony of that, is that if you were uninsured, many offices would have given you an NP for $70, and some have an "uninsured rate" of like $150.
I'm both American and have been on multiple different insurance plans. (Including a no copay plan)
No copay means no copay, what you're describing is not no copay.
https://www.tuftsmedicarepreferred.org/healthy-living/what-difference-between-copays-deductibles-and-coinsurance#:~:text=Copays%20cover%20your%20cost%20of,time%20you%20visit%20your%20doctor.
Yes, "no copay means no copay". Most insurance plans have BOTH a copay and a deductable on a large number of higher-end services like inpatient surgery and the diagnostics like CT. And I have had, and helped family shop for, healthcare plans that have no copay, but still have a deductable. Further, there's a lot of PPO variants that have no copay or deductable, but have a coinsurance for everything.
In my adult life, I have never seen a plan where your "typical" out of pocket for anything other than Primary Care or Teledoc was anywhere near zero, even if those plans approach $3000/mo.
And you're right. What I was describing was not a copay, but a deductable (please check the words I used, as I called it a deductable :) ). For a patient, money going out feels the same as money going out. Especially in large quantities.
Sure but the conversation was about copay ;)
Sometimes conversations get confused pretty quickly in thread format. I never understood why, but it IS hard to keep context in Lemmy. Let me reopen with what I was replying to:
That's what you opened with. The person above you didn't use the word "copay" at all. They just complained about being charged $200 to get a note. Your reply was the quote above. My reply was "but most insurance plans have a ... deductible".
The conversation was really about money out of pocket. I think you inadvertently thought it was about copays. It happens :)