Well, I did leave out the best part. People that think, oh well, once I get that 10k deductible out of the way, and the insurance kicks in, I am good
Shyeah, but you neglect that 10% copay once that insurance kicks in? Even 10% of 40,000 k is a lot to most people.
So, you are on the way home from church on the eve of a holiday. The other guy on the road, lets call him an undocumented worker for the PC crowd,
decides he would rather knock back a suitcase of beer rather than go to church.
He nails you, t-bones you, penetrates the cabin on your car. A 3 foot intrusion, not YOUR fault, you had the green, HE ran the light.
Trauma, unidentified until your family either comes looking for you, or the police knock on the door.
Major head injury, multiple fractures, intubated, laying in the ICU. Multiple surgeries to put Humpty Dumpty back together again. A neurosurgeon to
keep your brain from being something people might call a dinner name, and 2 months in the hospital, 3 months in rehab, out of work a year.
Do you feel lucky? Do you? Why? Got car insurance? Unisured motorist? Major medical on your auto policy? Not going to DENT these bills.
Meanwhile, the undocumented worker came through largely unscathed. God loves drunks. He goes to jail, MAYBE. Then he is let go. Nothing they can, or
will do, he has no identity, no license, certainly no insurance.
Hope you had a REAL good job with full benefits.Short and long term disability, at least, that way, you MAY not lose your job and insurance. Hope you
were there, full time, at least a year, so you can claim FMLA.
Every doctor that saw you will bill you seperately.
The ER Trauma doctor, the ER doctor that paged him.
Every CT, MRI, XRAY, will bring a radiology bill that was NOT included in your hospital bill, and rehab bill.
The pulmonologist that took care of you while you were intubated, on the vent.
The orthopedic surgeon that put your bones back together.
The plastic surgeon that kept your pretty face.
The neurosurgeon that fixed your brain.
The therapists in the hospital that help teach you to walk again.
Any medical equipment you may need at home. A bed, a walker. Wheelchair, bath seat, bedside commode, a cane.
Home health nursing. Home PT, OT.
Each a seperate bill from the nearly two million, plus you are likely racking up. Maybe more.
So, lets see. What exactly, IS your responsibilty?
Well, if you had a standard 10k deductible, there's that. Then, you have 10%, until you reach a cap out of pocket maximum for the year. That can vary,
and be up to 10, 20k, for the year. Some rehab and home care, home equipment, may only be covered at a percentage.
Exaggerative example? Nope, happens every day. I see this. Every. Day.
All it takes is a heart attack. A stroke. Even a TIA. A ruptured appendix. A fall down the stairs. A smaller car accident, maybe even one where it was
Point being, that on top of all those premiums, 10% is a LOT, depending on the size of the bill.
The other side of the coin, and the one that sucks for most people, is all of that out of pocket expense to NEVER have the insurance kick in, to only
have it all start all over again January the next year! Those are the people this will likely hurt the most. The ones who get just to, or just over,
the brink of insurance kicking in.
People with catastrophic injuries or illness can always file a medical bankruptcy. People with a chronic illness that simply need several doctors
visits a year, some prescription drugs, those will by far be the most affected, and likely hurt, by this healthcare overhaul.
In the meantime, all those lovely premiums we are paying will go to pay the medical bills of those poor, undocumented workers, who don't even have a
name, or a familiy, or, or, anything!
edit on 13-3-2014 by Libertygal because: (no reason given)