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FiFi LaFeles

FiFi LaFeles

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Mmm yeah. Moving home is stressful enough as it is :(

Look on the bright side - you may end up having surgery and getting a bionic hand that is capable of doing all manner of wondrous things!

Or, it could turn into a sentient psychopathic monster and kill people whilst you are totally unable to control it. But best not to worry about that right now.
Le Chat Guerrier

Bwian's Towel & Grief Shop

04-Mar-2017 04:45:58

Bernadette
Dec Member 2021

Bernadette

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Fortunately, I have never needed an MRI scan but I know from my brother how noisy and claustrophobic it can be in there.

Hope all goes well with the op, Icy. Is it something you can schedule for after you move, or is it tied to the hospital in the area you are in now?
One man's Truth is another man's Lie

04-Mar-2017 10:34:42

Icy Spring

Icy Spring

Posts: 3,248 Adamant Posts by user Forum Profile RuneMetrics Profile
Scheduling at a new hospital isn't an issue. However, I'll be starting over on a new insurance plan once I begin employment, meaning the cost of surgery will likely exceed the deductible (probably more than $1000, don't know yet), which I will have to pay out of pocket. And to think, just a few years ago before the ACA the insurance company would've denied coverage of my 'pre-existing condition' and I'd have to bear the full cost myself. Feels good being American :')

04-Mar-2017 18:38:22

Bernadette
Dec Member 2021

Bernadette

Posts: 5,417 Rune Posts by user Forum Profile RuneMetrics Profile
I must admit I don't fully understand the American Health Insurance system.

Once you start your new job, willl the cover from your existing insurance be cancelled for the surgery, even though the need for it was diagnosed whilst you were covered by it?
One man's Truth is another man's Lie

04-Mar-2017 19:11:44

Icy Spring

Icy Spring

Posts: 3,248 Adamant Posts by user Forum Profile RuneMetrics Profile
They'll cover it, I was making a cynical joke because prior to regulations implemented in the Affordable Care Act (Obamacare) insurers were free to deny claims or drop coverage on the basis of pre-existing conditions, which they can no longer do. A possible scenario is surgery costs $3500, if the deductible is $1500 I pay the first $1500 then insurance covers 80% of the remaining $2000 difference, putting my total contribution at $1900.

Healthcare here is a giant mess. Costs are exorbitant and arbitrary (the doctor might bill $XXXX but insurance pays a negotiated rate of $XXX, have fun if you're uninsured, medical debt ain't the leading cause of personal bankruptcy for nothing), health insurance is usually tied to employment (a "perk" employers can offer by subsidizing some portion of costs), opaque billing makes it difficult to shop around for cheaper options, etc.

Then I pay for services using a Health Savings Account, which is basically a savings fund for medical expenses, filled with money I allocate from my paycheck on a pre-tax basis, lowering my taxable income...

Really makes you want to live here, doesn't it?

04-Mar-2017 23:06:50 - Last edited on 05-Mar-2017 03:25:06 by Icy Spring

FiFi LaFeles

FiFi LaFeles

Posts: 24,106 Opal Posts by user Forum Profile RuneMetrics Profile
So, what happens if the sick person is a child? Do parents have to have separate private insurance policies for each child too?

And what if it's a child without parents, like in an Orphanage?

Or a child with parents but none of them have an insurance policy?

Or an adult with no health insurance?

Do these people just get left to be ill or maybe die with no intervention?

(As you can see, I have no clue either how the system works in your country).
Le Chat Guerrier

Bwian's Towel & Grief Shop

05-Mar-2017 09:59:22

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