Ask Lemmy

A friend of mine was feeling ill, but didn't go to the hospital because he couldn't afford it. Once the leukemia started advancing though he only lasted a week.

There are far worse out there, but about a year ago I injured my hand somehow. I couldn't close my fist, which made it hard for me to work and support my partner as I do a majority of the cooking and chores. I couldn't make a firm enough grip to use cast iron cookware. I was really concerned about this for a number of obvious reasons, so I went to the doctor.

I looked up an in network doc, call them up, confirm they take my insurance, double check that the kind of care I was looking for was covered. At my appointment they ask to do a physical as well, since I was due for one. During that they asked all the normal questions, the poignant one here being "do you smoke?" I replied "I have one or two cigarettes socially when drinking with some friends, which happens maybe once every other month or less." This changed the tone of the entire visit.

My concern about my hand was largely disregarded and the doctor began talking to me about smoking cessation and the dangers of tobacco. Gave me pamphlets, tried to ask if I'd consider quitting, asked if I've tried alternatives. I tried to turn things back to my hand and she wasn't interested. After I strongly insisted that was my sole medical interest, she gave me a referral.

I pay my copay up front and leave. I go to the specialist a few days later. He looks at my hand for 45 seconds and gives me a wrist brace and tells me to sleep with it on. I pay my copay and leave. Wouldn't ya know? That did it! My hand was working again.

I call the specialist to follow up on his care and say it worked well. He told me I need to speak with billing to settle my bill. I'm confused. Wasn't the copay for that? He says the insurance covered the visit but not the medical device (the wrist brace). So I check with billing and they want four hundred dollars. I'm flabbergasted. I check where they got the product, because surely it couldn't cost that. I found the identical product, brand and all, on Amazon for $13. I'm livid. I argue with them, they say they can't do anything.

I call the insurance and they say my policy was clear about specialists and medical devices. Dejected and feeling stupid, I just pay.

About a week later I get a call from the first doc saying I needed to settle up as well. I owe them five hundred dollars!!! How?? They say the bloodwork they did wasn't covered. I plead saying that's a normal part of a physical, no? They say yes, but I didn't come in for a physical, according to the billing, I came in for a smoking cessation meeting!!

I tried for weeks to get the doctor on the phone to rectify this but they wouldn't speak to me. My insurance company said they didn't cover bloodwork as part of that and the doctors office wouldn't change the billing.

I'm sick of doctors, I'm sick of insurance companies. If I get sick, I make chicken soup, drink tea, and scarf OTC drugs. I sprang my ankle fishing earlier this year. Did I go to a doctor? Absolutely not! I can't afford a $900 bill every time something goes wrong.

I pay $360 a month for this. Thankfully I make enough that this wasn't so damaging on my life, but I stopped buying as much meat and ate mostly beans for a year and didn't travel for my vacation. I had been hoping to visit my father across the country that year but we had to put it off. It changed my outlook on medical services drastically and I'll never be so honest to doctors again.

My husband was diagnosed with ulcerative colitis in his early 40s. There was a medication that kept his symptoms more or less in control.

Then he lost his job. The meds ran out and it turns out they cost thousands of dollars without his work insurance plan. This was just before Obamacare, and there was no way we could afford unsubsidized insurance for him on my salary.

His colitis got exponentially worse, and was treated only spotadically when I could scrape together a few hundred dollars for the doctor visit, where he might be able to get enough free samples of the med or a round of steroids to reduce the gut inflammation.

One night as we were lying in bed winding down to sleep, I heard him drop his magazine on the floor and start what I now know was agonal breathing. I called 911 and did my best with CPR, but his heart had stopped and in all likelihood he was dead before the paramedics arrived. He was 53 years old.

I found out from his death certificate that he had severe ischemic heart disease. It was undiagnosed because he hadn't had regular medical care for years because of the vicious circle of unmedicated symptoms/inability to work/no insurance.

That's my horror story. There's also my 4+year quest to be diagnosed with MS, being told by multiple doctors that if I lost weight I wouldn't be so fatigued I could barely move, or have vertigo, or fall down for no reason, or whatever symptom I had at the time. But hey, at least that story eventually ended with diagnosis and treatment... as long as I have my job and insurance, anyway.

I'm intersex and have both male and female anatomy. US healthcare "insurance" isn't coded for people like me. It assumes a sex binary when the facts of reality show otherwise.

Back at my old job, I had full premium health insurance. However, they kept denying each and every claim, denying literally everything. They unofficially recognized my intersex condition and used it against me.

Whenever I filed a claim as female, they'd deny it and claim I was male and thus the claim was incorrectly filled out. When I filed as male, they'd pull the exact same stunt now claiming I'm female and thus the claim was incorrectly filled out. Whatever the claim, large or small, it was always the wrong sex on the paperwork.

It was a "heads I win, tails you lose" situation. I have a better job with the government and with a different insurance company, but they too are starting to pull the same stunt. I hate this country for allowing such corruption to thrive.

I used to live in China, where socialized medicine was in theory available for everyone, but in practice most everyone who had a decent job had private insurance from their employer not unlike in the US, which was my situation. It was...fine, but I was a healthy young adult and didn't have much going on medically. I've heard some horror stories from others about the degree of care they received, and had one experience where my doctor simply attributed my migraines to my "unhealthy American lifestyle", but I never had to worry about coverage.

When I moved back home to Massachusetts a few years later, I didn't have a job lined up right away, but I did gain immediate coverage through MassHealth (the system the Affordable Care Act was based upon) and it was very cheap. I didn't have to pay for coverage, but did have a couple copays here and there which weren't anything crazy.

I started up one job, was laid off after just a couple months when the pandemic happened, and MassHealth was still there to give me some peace of mind. It's not a perfect system, but it beats running the risk of suffering a health episode that leaves you financially destitute for years and years. I don't know how well I would have managed elsewhere.

I eventually landed a more stable-long term career and get employer-provided insurance through Tufts. And it's okay, but I recently had to fight a months-long prolonged battle to get a prior authorization approved for a med I had been taking for years that they just decided out of the blue I didn't need to take anymore. And it took a lot of back and forth from my doctor to really stress that I needed to stay on this med before they eventually caved and gave me a 1-year approval, but now I'm worried I'll have to go through this whole song and dance again when that time elapses in a few more months.

I think it's just a bit ridiculous that the insurance company can simply decide they know my health situation better than myself or my doctor who I've been seeing for years now, and out of the blue make life-changing decisions without even having spoken to me or my doctor first.

My childhood friend needed an operation, her family made a commercial for the local TV station trying to raise the money, but she died before they could get enough.

I've got cluster headache. Only medication that had any noticeable effect was Prednisone. Not even that expensive of a drug, but more than I could afford out of pocket. Insurance wouldn't cover it because they considered an oxygen mask to be a more appropriate treatment, even though I'd been using them for months with no improvement, and O2 only works for a small percent of people with cluster headache, anyway.

Couldn't afford to get the meds. Not legally, at least. A coworker was taking Prednisone for a different condition, and managed to convince his doctor to double his dosage, and I paid him for the difference, until he stopped taking it altogether. Ended up having attacks again, and missed enough work because of them to get fired. Between the pain and losing my job, that was easily one of the lowest points in my life.

I wouldn't wish our healthcare system on my worst enemies.

Canadian here. Had an accident and took a ten minute ambulance ride in Minnesota. $1400.

European visiting the US, so it's going to be pretty mild.

This was early January, 2021, so I needed a negative covid test before I could start the one month of work I had planned (my reason for being there).

Me: "Noted. I see there's a clinic across the street from my hotel, I can have it done tomorrow morning."
Shoreside rep: "Sorry, can't do that here. It has to be this specific clinic with which we have an agreement.
Me: "How about my travel insurance, won't they cover it anywhere?"
Rep: "We don't know that until billing, and then you'd have to expense the copay, which management doesn't like"

That's when I learned wtf "copay" is. I had loads to do the day after, but I spent most of the day in a car, back and forth, so that I could visit this one specific clinic for a test that took five minutes.

And if Houston city planners weren't bribed by Big Concrete and Big Car Dealership, I'm sure the ride would have been significantly shorter as well. As a sidenote, I find it pervertedly fascinating that Houston is a city that somehow manages to be located surprisingly far from Houston itself.

My spouse had their lung collapse. Insurance denied it because we didn’t get advance approval for their lung to collapse.

Deny. Defend. Depose.

I'm rawdogging life with pretty bad ADHD, depression, anxiety and probably autism because I have always been poor lol

On a road trip, got food poisoning so bad that I couldn't eat for 5 days, barely kept fluids down and was so weak that walking into an appointment, the doctor told me to go to urgent care.

They gave me an IV, did an ultrasound, and gave me some anti-nausea and anti-diarrhea meds, which barely helped. It still took 3 or 4 days before I started feeling better.

Insurance comes back with a 5K bill. They claimed that even though I had my regular prescriptions go through both before and after the trip, the trip claim itself was denied because it was "during a time when I did not have coverage".

Took several months and phone calls of pointing out the before/after is approved without questions so there's no way to claim I wasn't covered during this one week. Every human I spoke to agreed with me, but it still took months.

I could not walk for more than 5 minutes without excruciating pain. I finally asked to be taken to the hospital after a back spasm that had me bash my face after a fall.

Went to the hospital. Was diagnosed with "mild scoliosis" and "anxiety" and sent home with stronger than average Tylenol. Was bedridden for nearly 2 months. Lost my job. Got other appointments for GP. Looked and said I needed a specialist. I could not afford a specialist, as I was now out of money. They shrugged and wished me luck.

I was forced to stay like this for nearly 2 full years.

When I was on the verge of killing myself, someone offered to pay for a chiropractor. I didn't care. I had nothing to lose.

Anyhow, long story short, guy found that my spine had been forcefully lodged into my pelvis and stuck there. Dude had me healed in week.

This is NOT an endorsement for chiropractors— this is a testament to the failure of the healthcare system. I could not see anyone, so my desperation led me there.

I still have back issues. But I can walk again and be touched without pain.

My wife has a rare disease. Requires expensive drugs monthly. We hit our max out of pocket early every year.

Bye money. forever. until I die.

Sometimes you don't need anything crazy to describe how shitty our healthcare system is.

Haven't seen a Dr in 20 years.

My wife had surgery. However they didn’t prescribe painkillers until after the surgery.

I got her comfortable at home and ran down to pick them up … and was rejected as “drug seeker”. Wtf. It took a full day before I could convince them to fill it, and they kept wanting her to come in person when she just had surgery

In three consecutive months, for the same amount of the same medication from the same pharmacy, I paid 270$, 30$, and 0$.

Healthcare pricing is complete fucking bullshit.

Blue Cross denied my claim for coverage of therapy ($125/week) because the address is clearly not a business address. Yes, that's right, my therapist operates from her home, which is a horse farm. So does this mean BC doesn't cover any home offices? Or is it just ones that have "ranch" in the address?

We'll see! I've filed a grievance challenging the denial. I'm looking at around $6000 for the year if they persist.

I make over $150,000 a year and I live pay check to pay check because my son has autism level 2, speech delays, and other motor skills deficits. He has some sort of therapy every weekday. He's 13, so we've been doing this for 11 years now. And every year it is a fight to get things paid for.

This year my company switched insurance providers and the speech therapist that he has gone to for 6 years was suddenly out of network. So, I either pull him out and start over somewhere new or do what I did and pay $200 out of pocket every week. Which does not go towards our $13,000 deductible. Next year we're switching again so I'm sure there will be something they won't cover.

I make too much money to get anything from the state, which seeing how I live in Texas, I'm not really sure I'd want their services. Come hell or high water we getting out of this state and if possible this country next year.

I transferred to a new college and learned the first week of class that they required a few vaccinations I was missing. No problem, the on campus health center can provide them. I confirm with them that they accept my insurance, so I go get the shots.

A few months later, I get a bill in the mail for over $3000. Apparently the health center wasn't in-network, so I have no idea what they meant by "we accept your insurance." I layer learned that if I had driven 10 minutes west across the state border, there was an in-network office where those two vaccinations would've been completely covered.

I still haven't paid a penny towards that bill, fuck them. I get daily phone calls from an unknown number, it's probably collections, but I don't know for sure since I never answer it. This was years ago and my credit score never took a hit. I'd rather die than reward these parasites with my money.

I'm pretty sure I have a tumor growing on my hip too. I'd get it checked, but between student loans, insane cost of living, and rising costs of literally everything else, I can't afford to right now. I'm a childless engineer with "great" health insurance and a roommate, so I'm relatively well off. I have no idea why shit hasn't boiled over yet. Makes me want to depose some CEOs too.

I moved out of the US and when I had to pay to get a tooth filled my flabber was gasted when they charged me 17 bucks.

I don't think I can ever go home.

I work in healthcare, and the response from the workers in my hospital to the UHC CEO assassination has been... pretty much the same as the response here on Lemmy!

Couple morale-high-horse folks pearl clutching about no one deserves to die or some shit; but 99% of us are on team Luigi.

We fucking hate parts of this industry, with a strong emphasis on insurance bullshit.

My two cents from the inside.

I have Premera (which is apparently considered pretty good for an insurance company if there is such a thing). I herniated a disc really bad in my back nearly two years ago. When I injured it I knew right away that it was a herniated disc, again but way worse than last time. Luckily, the doctors in my system are way too familiar with all the tricks for insurance to avoid coverage and I wouldn’t have been able to navigate the system by myself, a few examples.

1. I initially reached directly out to my spinal doc instead of primary care first, they told me to go through primary care first or insurance will not pay, but tell me after it’s too late because it’ll take months for them to determine final coverage. This saved me about $60k.

2. Don’t get the MRI at the hospital that is in my network, for some reason they will find a reason to not pay because they use a newer MRI machine or something, instead go to this weird third party company.

3. have the people in the docs office help you fill out the paperwork and always always always say that “this prevents me from doing my job or affects job performance” even if it doesn’t . One thing the insurance company likes is a paying customer, if you get fired or have to quit, you are no longer a paying customer.

4. don’t do the bare minimum for coverage, if you are only required to do 12 weeks of PT for surgery approval, do 16 instead. Insurance will always make a way for 12 to actually only be 10 and void any support for your surgery. If you only need one doctors visit, do 3.

5. you will get sent several forms via mail. Fill every single one out no matter how ridiculous. I had one asking me about pregnancy health, and I’m a guy, docs office said if I didn’t fill it out that the insurance would deny my claim. Also, take a picture each time and make sure you answer the same way every time. Don’t say in one form “I injured myself in my back yard” then in the next form say “I injured myself at home”. They will find a way to say you are talking about two separate injuries and that voids the claims.

Probably a bunch of other stuff I can’t think of

I had major depression when I was younger. I couldn't get individual insurance because it was a pre-existing condition. I couldn't afford it, anyway, because getting and keeping a job was very difficult because, uh, depression? So, getting a job with a group plan was also out of reach. I had to research it and treat it myself, which, goddamn right I'm proud I managed.

But now I'm middle-aged, single, and probably will never have the savings to retire. Eat a Grand Canyon full of Godzilla dicks, U.S. healthcrime system.

I filled out a form wrong and didn't have healthcare this entire year. I tried to fix it and my company told me sorry, the period for enrollment is over, wait until the end of the year to enroll for next year. Found out when I went to buy a prescription and they started asking me a bunch of questions and then charged me 150% of the normal cost. Good thing I stayed (relatively) healthy this year!

Worked in insurance for a few months and saw someone with an $8000 deductible.

Was denied life-changing, medically necessary weight loss surgery because my company has less than 50 people employed.

I had to live with a failed gallbladder for a month and a half while the insurance decided if they were gonna pay for surgery. I lost 20lbs in that time because I couldn't keep anything in my body. I almost died.

One health care facility near me doesn't accept patients who work at or have previously worked at their competition.

Had my ankle reconstructed last year and the surgery alone billed for $16,000. A piece of foam for my walking boot billed for $150.

My headache medicine would cost me around $1000/month if I didn't have insurance. With insurance it's $40/month. My pharmacist helped me sign up for a discount card through the manufacturer so now it's only $5/month somehow

Got some medical bills sent to collections before the bills ever reached me. By email or paper mail. Haven't paid any of them and I don't plan on ever paying them because fuck the people who just sent that shit to collections. Also medical debt is dumb and you just don't have to pay that shit. They eventually stop bugging you about it and I haven't seen it reflect on my credit score ever.

A 20 min ambulance ride, with amazing insurance was billed for $575.

My sister almost broke her spinal cord and the insurance gave us the runaround after the corrective vertebrae surgery.

The VA didn't want to cover the cost of my grandfather's leg amputations that were a direct result of contact with agent orange in Vietnam.

The VA doesn't want to cover a coworker's therapy and medication for PTSD caused by being stationed in the middle east for 4 years.

The VA won't release my mom's army medical records because she was part of experimental vaccines when she was in the army. She thinks it was anthrax vaccines, but can't be sure because nobody will tell her.

I have health insurance through my employer. I haven't found a general practitioner doctor that will take my insurance that is within a two hours' drive. So I haven't been to a doctor for a regular checkup in years. I've just been going to Urgent Clinics when something bad happens. This is not sustainable.

My obgyn retired two years ago. I haven't been able to find a replacement.

I will likely need a hysterectomy within the next 5-10 years, assuming I follow the pattern of all older sisters, mom, and aunts and cousins on maternal side. That is my greatest medical concern right now; I'm not sure it will even be legal to get it by the time I need it. Getting it done now is not medically necessary so it won't be covered by insurance.

I was in a car crash just over a year ago and am still waiting in line for physical therapy. There are places I could go sooner, but they aren't covered by my insurance.

First one:

About ten years ago my husband got a job and our health insurance changed providers (very common here). My second child needed a refill on his control inhaler for asthma. He'd been on the same one since he was initially diagnosed at 2 years old. Insurance denied covering that brand (which was older and therefore cheaper) until he tried expensive brand. Expensive brand was $80 out of pocket, and I am still livid that they fucked around with his health like that. The only way they'd consider covering the original one was if we tried expensive brand and it didn't work. For a six year old. With asthma. Thankfully, it did work but it still pisses me off.

Second one:

Shit happened and my kids and I ended up on state Medicaid for almost a year. My state privatized it and they declined to cover every. single. visit. and now, years later, I'm still fighting for them to retroactively cover visits so I'm not on the hook for thousands of dollars.

Once upon a time there was a man who was very, very, very, very, very glad he never had to deal with the American healthcare system. He lived happily ever after.

I went for surgery that was to repair a urethral stricture, with the expressly stated reason for doing it as being able to be catheterized in a future spinal fusion procedure. I told every single member of my care team this information, and all knew about the spine instability. A Spondylolisthesis diagnosed by their same hospital system.

I woke up in agony screaming before I could see. They put me in a position that allowed my back instability to shift. I was screaming to drop the bed. The nurse told me to calm down.

When I was finally laid flat, I noted I could not feel my genitals and I could not feel about half of my legs or any of my feet. Totally numb.

I was discharged from the hospital 3 days later with a walker because I couldn’t feel my feet and needed assistance to walk for a proc sure that never should have required it.

They billed me $250 for the walker, and never followed my requests to ascertain why I was paying for a walker that was the resulting need of malpractice. This was sent to collections.

I get phone calls weekly about a walker I should never have needed, and should not have been billed for as “outside of network” because it was not pre-approved for an urology procedure.

Who in the fuck assumed a loss of leg function from an urology surgery? Who gets that pre-approved?

Fucking cunts.

Dad was prescribed a medication that fixed his health issue. Changed jobs and insurance. New insurance says that medication isn't for that issue and that he needed to take a different medication that his doctor had previously tried and didn't work very well along with nasty side effects instead. They argued about it. Now he's stuck with the worse medication.

'group bargaining' is a giant lie in the united states. the idea that groups of insured people can bargain for cheaper healthcare. a complete fabrication.

my monthly insurance costs were cut by 75% when i dumped my corporate health insurance program and signed on to my wifes plan, where she makes far less than i do but the benefits are amazing. because its a government job.

and i work in the healthcare industry!

its all a giant fucking scam designed to rape the american people of money.

private insurance companies only profit when human beings suffer. how many other industries get to do that?!

I don't have any because I know I can't afford to go to the Dr. so I don't.

A pediatric neurologist told me definitively that my oldest son did not have autism. After a year of no improvement and assuming he was a particularly hard to diagnose, I got on the wait-list at the local university medical hospital. They were able to diagnose him quickly (apparently he's pretty text book, but the pediatric neurologist didn't ask the right questions). But he had been without supporting therapies and help in school for years as a result of the misdiagnosis.

My other kid (also autistic) had an ear ache. The urgent care doc was unfamiliar with how to deal with an autistic kid and assumed he didn't have an ear infection. The next day his ear drum burst and we ended up at the big children's hospital.

In both cases we had huge delays in appropriate care and had to pay twice.

Had to go to the er for a staph infection, no insurance. In short I'm in about 8k worth of debt to the hospital. I was in the er for about an hour. 8k for an hour get fucked integris, so I never paid it out of principle

Nothing totally outrageous as I've been pretty lucky to not need to request for a denial for anything major, but I had an issue with pain in a toe and went to a podiatrist who said they'd need an MRI to tell what was going on. UHC denied it and said that I should just do an ultrasound, which the podiatrist said would just be a waste of money as they wouldn't be able to see anything there, but I wasted my money anyway and naturally he wasn't able to see anything...

The pain eventually went away for a bit, but now it's just an occasional reoccurring thing that I just deal with as opposed to wasting more money on copays for nothing.

I went to the ER once because my heart was acting weird. Turns out it was a benign issue, but they kept me over night to be safe. $10k copay. Insurance covered almost nothing. I paid $10 a month for 5 years and eventually they called me and said they would take $2000 if I paid it all right then.

Between my wife and I we make 200K a year. We have a roommate to help pay bills because between her chrones disease and our kids health issues we can’t afford to live. She has been without her chrones medication for 6 months because the hummers was causing problems and the new prescription has been in limbo between pharmacies not wanting to deal with it or her insurance and her insurance continually sending her to pharmacies that don’t accept her insurance. Medication that is easily affordable and available in other countries is dangled just out of reach while she suffers.

Backstory: I have hemochromatosis. My body doesn't eliminate iron like most people's. As a result I am at risk of getting iron deposition in my organs; most commonly the liver and kidneys are affected.
The simple treatment for hemochromatosis is therapeutic phlebotomy; bloodletting. When my ferretin (iron) count in my blood gets high I have to donate blood to get it lower. This wouldn't be an issue except I need to do so weekly/bi-weekly and not the requisite waiting period blood donor centers require.
Because of this I have to get 'therapeutic phlebotomies' ordered by my hepatologist.

I could not afford to pay my entire balance with the healthcare provider my doctor's office is part of. Their system would not allow me to make a partial payment and would not allow me to check in for my appointment unless I paid the amount in full ($450+). Because of this I could not attend my doctor's visit and because we did not have a visit they cannot prescribe the routine maintenance my condition requires.

TLDR: I have a genetic condition with one of the easiest treatment plans which is giving my blood away, something that saves lives, but I cannot receive treatment because I cannot pay my full balance with the healthcare provider.

Been having pretty bad chest pain on and off all week. If I go to the hospital and it's something serious it could bankrupt me. However, if I don't go, and I expire, at least my life insurance will cover the house so my family will have somewhere to live.

Shitty physical therapist twice raised what I owed per visit because of their clerk's incompetence. Not just for future visits but retroactively for visits I already had. (Edit: I should say this was possibly fraud and if I had a lawyer it may have been worth pursuing).

I knew I was screwed when the clerk pronounced tier as tire. Oh well, lesson also learned for me: Always conduct a three-way, recorded conference call with provider and your insurer before provided service.

Another fun fact; Per KFF, 50% of Americans forego medical attention for free of medical debt. Naturally, this snowballs leading to them inevitably going anyway for a more costly, complex procedure. Our system is top-heavy with specialists for this reason, lacking adequate preventative care and rapid accessibility.