> Question for Bagz, people who have insurance are still becoming homeless due to medical bills, how would handle this?

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MonotremeMinister
#1 2019-11-19 16:24:28

Question for Bagz, people who have insurance are still becoming homeless due to medical bills, how would handle this?

Dying quicker, prayer and pulling up bootstrapz is not valid response





https://www.theguardian.com/us-news/201 … ket-newtab

'I live on the street now': how Americans fall into medical bankruptcy
Having health insurance is often not enough to save Americans from massive debts when serious illness strikes
Michael Sainato
Thu 14 Nov 2019 02.00 EST Last modified on Thu 14 Nov 2019 08.31 EST

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It’s been over a dozen years since Susanne LeClair of West Palm Beach, Florida was first diagnosed with cancer and she’s been fighting ever since. Now she, like many other Americans facing life-threatening illness, is bankrupt despite having health insurance.

Before her first cancer-related surgery, LeClair was told by the hospital they accepted her employer-based health insurance.

Susanne LeClaire
Susanne LeClaire. Photograph: Courtesy the family
“I paid my $300 copay. After the surgery, I started receiving all these invoices and came to find out the only thing covered was my bed because the hospital was out of network,” said LeClair. “My bills were hundreds of thousands of dollars, so I had no choice but to file bankruptcy.”

LeClair is on the verge of having to file for bankruptcy a second time due to the mounting medical debt she has accrued for additional cancer-related surgeries, regular appointments, medications and supplies related to her recovery, despite having health insurance and paying as much as she can out of pocket for copays, deductibles and premiums to maintain insurance.

“My medical bills are at $52,000. I’ve done everything from credit cards to consolidation loans, I just keep simply paying one credit card with another interest-free one until I can pay the next one,” LeClair added. “It’s the side of cancer most people don’t understand or know about and it’s never-ending. It just keeps adding up and adding up and before you know it you’re back in debt that you can’t believe again.”

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Bankruptcy can also make it difficult to find employment given that many employers will disqualify a candidate with a bankruptcy filing found from a background check.

According to a study published in February 2019, about 530,000 bankruptcies filed annually are because of debt accrued due to a medical illness. The study found that even the Obama administration’s landmark Affordable Care Act (known as Obamacare) has failed to change the proportion of bankruptcies caused by medical debts, with poor health insurance cited as one of the main culprits.

Republicans and Democrats are currently at loggerheads over Trump administration plans to further weaken Obamacare by making it easier for states to opt out of certain requirements and offer cheaper plans that could further exacerbate the situation. And health insurance has emerged as one of the signature issues of the 2020 election, and the fight for the Democratic presidential nomination with senators Bernie Sanders and Elizabeth Warren promising a total overhaul and Joe Biden and others pledging milder reforms. What all sides admit is that the current system is broken.

Senator Bernie Sanders holds up a vial of insulin as he talks about the high cost of health care in the US during a rally outside a Canadian pharmacy in Windsor, Ontario.
Senator Bernie Sanders holds up a vial of insulin as he talks about the high cost of healthcare in the US at a rally outside a pharmacy in Windsor, Ontario. Photograph: Rebecca Cook/Reuters
“Health insurance that we have today is a defective product,” said Dr David Himmelstein, distinguished professor of public health at City University of New York’s Hunter College and a lecturer in medicine at Harvard Medical School.

“A lot of people, a little over 60%, are filing bankruptcy at least in part because of medical bills. Most of them are insured. It’s clear that despite health insurance, there are many, many people incurring costs not being covered by their insurance,” said Himmelstein. “Medical debt is incredibly common, it’s the main cause of calls from collection agencies, and the vast majority of people with it have insurance,” said Himmelstein, lead author of the study Medical Bankruptcy: Still Common Despite the Affordable Care Act.


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One out of every six Americans has an unpaid medical bill on their credit report, amounting to $81bn in debt nationwide, while about one in 12 Americans went without any medical insurance throughout 2018. Even as many Americans struggle to afford health insurance coverage in the first place, those that have it are not insulated from facing massive debt due to medical bills.

“I have insurance through my job but it has a high premium and high deductible. I have to pay $450 a month. When you think about living paycheck to paycheck, $450 is a lot of money. I’m barely making it. Some bills don’t get paid every month,” said Mary Cross of Detroit, Michigan, who has filed for bankruptcy twice since early 2013 when she was admitted to the hospital for pneumonia, required lung surgery and was diagnosed with sarcoidosis, an inflammatory disease.

“I’m currently struggling to stay afloat now due to having surgery this past January,” added Cross, 51. “I’ve been getting constant calls from the billing department at the hospital where I had surgery.”

In Savannah, Georgia, a 35-year-old man who requested to remain anonymous to avoid being associated with a bankruptcy, recently found himself homeless and jobless due to prolonged hospital stays and hundreds of thousands of dollars in medical debt.

A type 1 diabetic for years, he had to reduce his work hours for a cellular retail store when trouble regulating his blood sugar resulted in a toe amputation in April 2019.

“I had to cut my work hours so bills were harder to pay. But in July 2019 I was admitted to the hospital again and I was fired from my job because I was in the hospital. I lost my insurance. They amputated my leg, which means I still can’t work,” he said.

When he lost his job due to the prolonged hospital stay and leg amputation, his employer offered Cobra, a health insurance program for employees who lose their job or have a reduction in work hours, but he couldn’t afford it. He is currently working on trying to file bankruptcy to release the medical debt he’s accrued from amputations this year and he lost his house in October 2019 as a result.

“I have amassed over $400,000 in medical bills I need to pay, and still have at least six months before I get a disability hearing. So I owe over $400,000 in medical bills, have lost my house and I live on the street now, with no end in sight,” he said.

Jessica Hillman-medical bankruptcy
Jessica Hillman. Photograph: Courtesy the family
Just outside of Chicago, Illinois, Jessica Hillman filed for bankruptcy in 2016 due to medical debt accrued from battling a seizure disorder, despite having health insurance coverage for the majority of her treatment.

“I had thousands of dollars in various medical debt which made the majority of my claim. The last bill I got that really pushed me toward the bankruptcy was for a routine lab test that my insurance refused to approve because of a billing mistake. That bill was about a thousand dollars,” Hillman said. “I couldn’t work and had no way to pay these.”

At the time, Hillman was receiving several collection notices in the mail for past hospital stays and tests amounting to several thousand dollars, often having no knowledge of the bills that health insurance didn’t cover until receiving the collection notices.

“One of the biggest hurdles you face as a patient is just the sheer confusion of the process. You think you just show up and present your card, sometimes pay a copay, and that’s it. You don’t expect all these plan limitations and authorizations,” Hillman added. “What are you going to do if your authorization gets denied? You don’t really have a choice to not go get care. All these processes that are in the finest of fine print. And sometimes it feels like you are literally paying for nothing.

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Phillip_McCavity
#2 2019-11-19 16:59:24

Re: Question for Bagz, people who have insurance are still becoming homeless due to medical bills, how would handle this?

Aflac!

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Suck it Liberals!
#3 2019-11-19 17:03:00

Re: Question for Bagz, people who have insurance are still becoming homeless due to medical bills, how would handle this?

FUQ INSURANCE!!! WHY IS NOBODY QUESTIONING ACTUAL MEDICAL COSTS OVERALL???

IF THE DOCTOR WILL TAKE $1000.00 FROM THE INSURANCE COMPANY AS FULL PAYMENT FOR A SERVICE, WHY ARE THEY CHARGING UNINSURED PEOPLE $5000.00 FOR THE SAME THING???

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Prinz_Eugen
#4 2019-11-19 17:04:20

Re: Question for Bagz, people who have insurance are still becoming homeless due to medical bills, how would handle this?

you really don't understand the game.

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Phillip_McCavity
#5 2019-11-19 17:22:30

Re: Question for Bagz, people who have insurance are still becoming homeless due to medical bills, how would handle this?

Suck it Liberals! wrote:

FUQ INSURANCE!!! WHY IS NOBODY QUESTIONING ACTUAL MEDICAL COSTS OVERALL???

IF THE DOCTOR WILL TAKE $1000.00 FROM THE INSURANCE COMPANY AS FULL PAYMENT FOR A SERVICE, WHY ARE THEY CHARGING UNINSURED PEOPLE $5000.00 FOR THE SAME THING???

True story.

I was once waiting to see my indian doctor (who was attractive as hell), and I saw someone come into the lobby and offer to pay for their appointment with cash. They very quickly negotiated an amount, and it was roughly the same as what insurance would have paid.

The trick is to negotiate up front when you can.

The big problem is medicaid / medicare which typically pays below cost, and so there everyone else really is subsidizing them. That is why medicare for all would not work at current rates.

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Suck it Liberals!
#6 2019-11-19 17:28:16

Re: Question for Bagz, people who have insurance are still becoming homeless due to medical bills, how would handle this?

Phillip_McCavity wrote:

True story.

I was once waiting to see my indian doctor (who was attractive as hell),

WHAT WAS HIS NAME???

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.
#7 2019-11-19 17:46:00

Re: Question for Bagz, people who have insurance are still becoming homeless due to medical bills, how would handle this?

Phillip_McCavity wrote:

True story.

I was once waiting to see my indian doctor (who was attractive as hell),



You always refuse to get treatment.

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Phillip_McCavity
#8 2019-11-19 18:20:35

Re: Question for Bagz, people who have insurance are still becoming homeless due to medical bills, how would handle this?

. wrote:



You always refuse to get treatment.

She could have treated me for anything.

Last time I saw her she was pregnant. I had nothing to do with it.

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Heekee
#9 2019-11-20 04:08:33

Re: Question for Bagz, people who have insurance are still becoming homeless due to medical bills, how would handle this?

Suck it Liberals! wrote:

WHAT WAS HIS NAME???

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anon user #2.1
#10 2019-11-20 04:46:37

Re: Question for Bagz, people who have insurance are still becoming homeless due to medical bills, how would handle this?

https://www.youtube.com/watch?v=8T9fk7NpgIU

LET THEM DIE!  'MERICA!  FUQ YEAH!
\

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anon user #2.1
#11 2019-11-20 04:49:25

Re: Question for Bagz, people who have insurance are still becoming homeless due to medical bills, how would handle this?

I know in my cancer scare earlier this year they would quote me a co-insurance amount, I would pay it, and then a month later they would tell me I owed them double what I already paid them.  So I would say one issue is that the real price isn't even being disclosed upfront.  These people are actually free to pretty much bill you whatever they want after the fact and after quoting you a certain price.  Now I get things could come up and add on to it.  But that isn't what usually happens and it certainly did not happen with me.

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Sockpuppet
#12 2019-11-20 04:51:44

Re: Question for Bagz, people who have insurance are still becoming homeless due to medical bills, how would handle this?

When I was getting treatment (Phil?) for my leg after the car accident they tried a fun little stunt on me. They offered me a treatment that used pig stem cells. They said it was covered by insurance. The way the treatment works is you need to have like 3-4 treatments each week for a couple weeks.

About a month in I started getting massive bills. Insurance said it wasn’t covered since it was considered experimental. I fought with them but they refused to pay.

Then the hospital tried to come after me for the money. Something like $30,000.

I told them I didn’t feel I owed the money as I was misinformed and that by the time I had correct info the charges had already been incurred. But, I wanted to avoid any possible collection activities to I said I would settle for 20 cents on the dollar. They refused. I told them to fuq off and never paid. And they never bothered to try and collect after I told them they led me into this situation by giving misinformation to someone in a vulnerable mental state who had just been through a six day hospitalization and that what they had done bordered on predatory.

I think that put me over the $300k mark on debt I walked away from.

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anon user #2.1
#13 2019-11-20 04:58:07

Re: Question for Bagz, people who have insurance are still becoming homeless due to medical bills, how would handle this?

Sockpuppet wrote:

When I was getting treatment (Phil?) for my leg after the car accident they tried a fun little stunt on me. They offered me a treatment that used pig stem cells. They said it was covered by insurance. The way the treatment works is you need to have like 3-4 treatments each week for a couple weeks.

About a month in I started getting massive bills. Insurance said it wasn’t covered since it was considered experimental. I fought with them but they refused to pay.

Then the hospital tried to come after me for the money. Something like $30,000.

I told them I didn’t feel I owed the money as I was misinformed and that by the time I had correct info the charges had already been incurred. But, I wanted to avoid any possible collection activities to I said I would settle for 20 cents on the dollar. They refused. I told them to fuq off and never paid. And they never bothered to try and collect after I told them they led me into this situation by giving misinformation to someone in a vulnerable mental state who had just been through a six day hospitalization and that what they had done bordered on predatory.

I think that put me over the $300k mark on debt I walked away from.

It's crazy to me how this kind of stuff is allowed to go on.  I mean how hard would it be to require them to give estimates upfront in writing for non-emergency procedures?  It should also clearly indicate what insurance will and will not cover too.  There is no reason for them not to be able to do this.  If some huge complication comes up during surgery, etc. then obviously that would be different but otherwise....

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Sockpuppet
#14 2019-11-20 05:19:33

Re: Question for Bagz, people who have insurance are still becoming homeless due to medical bills, how would handle this?

anon user #2.1 wrote:

It's crazy to me how this kind of stuff is allowed to go on.  I mean how hard would it be to require them to give estimates upfront in writing for non-emergency procedures?  It should also clearly indicate what insurance will and will not cover too.  There is no reason for them not to be able to do this.  If some huge complication comes up during surgery, etc. then obviously that would be different but otherwise....

I go back and forth on whether or not it was an honest mistake or not. My doctor was very trustworthy. I settle up with him on his portion of the bill for 50 cents on the dollar. The hospital (Catholic “non profit”) is far more sleazy and untrustworthy.

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.,
#15 2019-11-20 08:25:22

Re: Question for Bagz, people who have insurance are still becoming homeless due to medical bills, how would handle this?

Suck it Liberals! wrote:

FUQ INSURANCE!!! WHY IS NOBODY QUESTIONING ACTUAL MEDICAL COSTS OVERALL???

IF THE DOCTOR WILL TAKE $1000.00 FROM THE INSURANCE COMPANY AS FULL PAYMENT FOR A SERVICE, WHY ARE THEY CHARGING UNINSURED PEOPLE $5000.00 FOR THE SAME THING???

Basically this^

Just like the legal business, it's become more or less a racket. Think about it - when people are scared or desperate you can take advantage of them.

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Tall Bass Turd
#16 2019-11-20 11:11:36

Re: Question for Bagz, people who have insurance are still becoming homeless due to medical bills, how would handle this?

Make more of themb homeless by providing free healthcare to illegal alien shytbirds, but NOT U.S. citizens.

   \
democratsthennow.jpg

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BritneySpearsPussy
#17 2019-11-20 12:03:17

Re: Question for Bagz, people who have insurance are still becoming homeless due to medical bills, how would handle this?

Next time tell them to be born rich. Or marry rich.
          /
       

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Sockpuppet
#18 2019-11-20 13:48:37

Re: Question for Bagz, people who have insurance are still becoming homeless due to medical bills, how would handle this?

Tall Bass Turd wrote:

Make more of themb homeless by providing free healthcare to illegal alien shytbirds, but NOT U.S. citizens.

   \
democratsthennow.jpg

So now you suppose universal free healthcare for legal US citizens?

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