reply to post by red_leader
Yes but, what if as in the current economic slump in your country, you can not find a job that offers such benefits, now you and your whole family
face bankruptcy if one of you has a severe medical condition.
People keep saying this, but it is just NOT TRUE!
I had a heart attack last year - no insurance. I was first treated by EMT's, then in the emergency room at the PRIVATE hospital, then flown AirLife
to one of the best heart hospitals in this area and given EXCELLENT treatment. I made it clear to everyone that treated me that I DID NOT have
insurance or any money to pay them and knowing that, I didn't expect them to treat me.
Five days later, I have a $100,000 medical bill. I had a choice of three things. I could fill out all sorts of government paperwork, giving them
info that was NONE OF THEIR BUSINESS and they would pay my bills, I could
file bankruptcy or I could pay a bit each month. I chose the latter. Each month I pay them something. They don't harass or bother me and won't as
long as I pay them something each month.
As long as one is making a "good faith" effort to pay their med bills, it's pretty hard for them (doctors and hospitals) to do much. They would
rather have a little bit at a time than have nothing, as would be the case in a bankruptcy.
This may not be the case other states, but that's how it is here in Texas.
I think one reason they don't get too pushy about the bill being paid is because when one REALLY examines their bills, they will find a huge amount
of overcharges on it. You would not believe the stuff I was charged for, didn't need and never got. Every time I have had followup blood work done,
the hospital lab charges me $258.00. My doctor ALSO charges me $258.00 and the only thing they do is order the tests and get the results. Then, I am
charged $128.00 for the office call where I step on a scale, have my BP taken, the doctor tells me the results and talks to me for maybe five
minutes! They have themselves quite a little racket going.
I'll probably croak before I get the bills all paid, but with all their overcharges, I really don't give a flip. They can eat the rest of it. But,
til then I will make a "good faith' effort to pay.
A couple of the ER doctors used to send me FINAL BILL - THIS MUST BE PAID IN FULL BY SUCH AND SUCH A DATE. Everytime I got one of those, I just
lowered the amount I paid them. Now I get a normal bill, "Thank you for your payment. Balance due XXXXXXXX."
People don't have to file bankruptcy, most do because they get so overwhelmed by financial distress don't really THINK through and try to figure
out the best way to solve the problem. Yes, there are some folks who really need to file for bankruptcy, but I think alot do it just because it's
easier than actually taking responsibility and solving the problem themselves.
My life would be so much easier if I would have let the government pay my bills or filed for bankruptcy, but since I am able to make payments, I think
it would be rather tacky of me to expect somebody else to pay them.



