sethnintendo said:
SamuelRSmith said:
Have you looked into whether you can get a medical savings account? This might prove a far better option in the long term, and having to put up with the shitty insurance while you shore up your savings account. MSAs/HSAs (same thing, just replace "Medical" with "Health") are probably the best way of dealing with healthcare, with a small/cheap insurance plan that just deals with massive emergencies (sudden heart failure, really expensive cancer treatment, that kind of thing).
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I always thought negative towards those health savings plan. I came down with appendicitis a few years back with no health insurance. Hospital wrote it off as tax break (heavily I might add considering it was either 20k or 30k (prob 20k) bill for one night stay in hospital). I've already told this story numerous times but basically my parents helped me pay out of pocket for the MRI, anesthesia, surgery, and pathology . That was around 3k or so out of pocket (surgeon cut a break (charged a little over 1k) for paying it in full and that my mom was a nurse with the same hospital network). So the hospital billed the government 20k for giving me pain killers and checking up on me every so often considering I already paid for the rest out of pocket. That right there is a scam. I could have basically gone home after the surgery with pain killers and been fine. Anyways, I got side tracked with that story...
I wanted to say if I had a health savings account then it could have been used up then but who knows if I would have had the money to cover the bs charges the hospital throws in... I hardly ever get sick and if I do I tough it out. Maybe if I was about to die I'd take a prescription pill but I don't need any of that crap on a daily basis. If you charge 5-10 dollars per aspirin in a US hospital then someone has to be making some serious cheese. That is easier profit than selling crack or heroin.
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Well, like I said, you need to look into it. I understand some states do have some favourable laws towards HSAs which make them more beneficial (I think Utah's one of them... going by what Huntsman said in a debate a few months back).
Most of what you said is exactly my point about the crony capitalism. That sort of situation would not happen in a free market, not at those price levels.
