Reply to Which country actually has the best healthcare system?

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[quote=Anonymous]I just received a $200k bill of which the insurance negotiated rate is $65K. Because, luckily, I picked an HMO that only covers in network care and I could find good in network docs for this situation, I will only have to pay $650.  But had I picked a different plan, I might have ended up paying 20 or 30% coinsurance - so 12-18K dollars, which is less than many plans OOP. Had I been uninsured, I would have paid $200k.

By contrast, if that $200K bill had been as the result of treatment due to an emergency while I was in NY on vacation for a week, everything would have been out of network and then uncovered by insurance.  At best I could have argued with the insurer to pay their UCR on "emergency" care to the OON health providers, but the OON would have balance billed me for the remaining $140K.

The 200K was for surgery that was urgent but not an emergency. I could not have put it off until the next year in order to pick the perfect health insurance plan for my situation.

Healthcare is majorly F'd up in this country. We need universal healthcare. If many European countries can have it, so can we. [/quote]

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