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Insurance company CEO assassinated in New York

15 years ago or so Ms 747 had an MS attack in Florida. ( fortunately we had paid the uplift to cover her disease) . She was in hospital for six days. Admitted through the emergency room. Cat scan, MRI, all the blood tests, because that’s how they do it there then just Valium and a steroid infusion - this before disease modifying drugs were a thing- . It was over Christmas so none of the finance people were in at the hospital and the insurance office in the states was one guy on the phone. As a result the hospital clinical staff had to give her a bill everyday, which I don’t think you would normally see. £ 35,000 !!
 
One thing I didn't realise about US health insurance until reading all the discussion this has prompted online is that policies (not sure if all or just some) will set a lifetime cap on how many days you can have things like inpatient care. Some proper horror stories of patients literally on ventilators or with a basically non-existent immune system due to treatment they'd been having, suddenly finding they'd reached their max and their hospital care was no longer even partly covered after extortionate deductibles and copayments.
 
One thing I didn't realise about US health insurance until reading all the discussion this has prompted online is that policies (not sure if all or just some) will set a lifetime cap on how many days you can have things like inpatient care. Some proper horror stories of patients literally on ventilators or with a basically non-existent immune system due to treatment they'd been having, suddenly finding they'd reached their max and their hospital care was no longer even partly covered after extortionate deductibles and copayments.
Yep. I remember phildwyer on here discussing that. He said that he, with the medical insurance of his job as a unversity lecturer, could afford to get cancer once, but if it came back, he'd be fucked.
 
What are deductables and copayments?
From here:

Your total costs for health care: Premium, deductible & out-of-pocket costs​

When picking a Marketplace health plan, it's important to compare your estimated total yearly costs for each plan - not just the premium. The costs when you get care can have a big impact on your budget. Total yearly costs include:
  • Monthly premium x 12 months: The amount you pay to your plan each month to have health insurance.
  • Deductibles: How much you'll spend for certain covered health services and prescription drugs before your plan pays anything, except free preventive services. (For example, your plan may charge for an office visit, but you won't pay extra for the preventive service that's part of that visit.)
  • Copayments and coinsurance: The amounts you pay your health care provider each time you get care, like $20 for a doctor visit or 30% of hospital charges.
  • Out-of-pocket maximum: The most you'll spend for covered services in a year. After you reach this amount, the insurance company pays 100% for covered services.
 
15 years ago or so Ms 747 had an MS attack in Florida. ( fortunately we had paid the uplift to cover her disease) . She was in hospital for six days. Admitted through the emergency room. Cat scan, MRI, all the blood tests, because that’s how they do it there then just Valium and a steroid infusion - this before disease modifying drugs were a thing- . It was over Christmas so none of the finance people were in at the hospital and the insurance office in the states was one guy on the phone. As a result the hospital clinical staff had to give her a bill everyday, which I don’t think you would normally see. £ 35,000 !!
Per day?
 
It just occurred to me that if you lived in the USA, and had a huge medical bill and tried to kill yourself by taking an overdose, and you were saved, you would wake up with an even bigger bill.
I've seen US-based posters on other forums being advised to call 911 after they'd taken an overdose and then changed their mind, and refusing to do so because they couldn't afford to pay for the ambulance.
 
I think that this was why guns were banned in Japan hundreds of years ago. A lowly peasant could kill a high-status warrior, and this was just not on.
 
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