OohDaLolly
22923
774
42
Sep 8, 2026 9:59 PM
OohDaLolly
22923
774
42
procrastinatorman
Oh, you sweet, summer child... Did you still believe insurance company man was there to look after you in earnest?
blaghart
Yup, if private insurance was in people's best interest Joe Biden wouldn't have threatened to veto single-payer insurance bills: https://www.nbcnews.com/politics/2020-election/coronavirus-crisis-hasn-t-changed-joe-biden-s-mind-medicare-n1172361
GenericValue
Yeah I canceled my insurance for the same reason. I was paying more per month than my prescriptions cost without insurance. It's absolute BS
jwillywill
Halfwise
Yep, we had to ask the prescription place to remove our insurance, so we could use GoodRX... cut our RX prices in half.
makesense
It is fine....until you need something that costs like $100k per pill to keep you from dying of cancer. Than GoodRX is useless.
asm80dfa8sdfj
GoodRx is a great service
MattoJanai
I have fairly good insurance. Went to CVS to get my prescription but for whatever reason they won't take my insurance. Safeway across the street did though. $45 with insurance. Out of curiosity I went back to CVS and asked what out of pocket was $25. My insurance actually made the pills I need to not die more expensive than not having insurance. And it get worse when you look at the manufacturer cost which was less than $2
NChomsky
Yupurineutah
Like a pack of stupid trained dogs. How embarrassing for them.
YouRadicalizedMe
mondeca
Superman has fewer guards!
RowanUnderwood
I love how quickly publicity disappeared when they realized he was a hero. They were SCARED for a few months anyways . . .
ghornby
He managed to cost the wealthy elite some extra cash for more security at least.
Illpostcheese
What's his douch did not like when people made this.
asm80dfa8sdfj
Illpostcheese
I don't know his name. What's his doich. The fuck face who was in before Mandani. You'll be able to spit him because his face is full of fuck.
INeedMoreGifMeMoreJustOneMore
I went to the doctor yesterday because my ear is being funny. I paid all of 4 euro, and that will be paid back by my job provided extra health insurance.
Y'all aren't angry enough.
Feralkyn
I live in Germany. Our *cat* has better insurance than most people in the US.
Essentially, because big pharma & medical lobbies lobbied the US government to stop *price regulation* at the *source,* any legitimate insurance company couldn't afford the costs. I.e. MRIs being hundreds of times more expensive at *source* than in Europe. In Europe a real insurance company could cover $10k of care. In the US the same care might be $1m. So a LOT of "insurance companies" are big scams.
Here, human-
Feralkyn
insurance companies sometimes ALSO offer pet plans, because... they can. It's still profitable. Prices are regulated at base. $500 emergency vet bill? The insurance has paid its half by the next MORNING. You never pay out for human care aside from tiny amounts and that's always billed, not "you must pay right now" money. Insane that one of "the most advanced" or w/e countries in the world is so fixated on corporate profits that it fucks the actual country over.
JasonWaterfaIIs
PCP PCP PCP PCP PCPCP PCP CPP PPC PCP
urusername2
Universal Health Care! Screw the corps like UnitedHealthcare. They don't deserve the money they are stealing from their policyholders. And they won't sue me, because that opens them up to subpoenas.
theyallwenttoMexico
😊👍
RuricOrhlandis
I found with my previous insurance, Costco's pharmacy prices were much cheaper than the "savings" with my insurances drug plan. Their plan was to have me pay more money
Bystandr
Just make sure your kids have power of attorney, transfer the house, max the credit cards and clean out your account before vacationing in
Bystandr
Kamchatka if you go into hospital. I mean you'll die on the curb, but at least they cant take anything from you then.
Eyeetsass
Health Care is a hostage situation designed to keep us from beheading the king when they put one on the throne. They’ve done that now. You’ve got to be tough to be poor. All the people who have never built anything honest, or achieved anything themselves are telling the essential workers what they can, and can’t have from essential services. Because we’re a threat. They live in fear of us.
RoseHarmonic
Saint Luigi
NoodlesDOTExe
They say: " If you love something, let it kill you."
At this point, I *really* hope God loves me.
(It just felt right, I dunno. I'm fucking bitter at existence these days.)
AnxiousCuttlefish
That's Blue for you! I have Blue Care Network, the hmo version. In network for hand therapy to manage (but not actually improve) the carpal tunnel I've had for 20 years is $120 per visit. I'm facing surgery and might need to take out a loan for it WITH insurance. Anyway, here's a gif I just thought was neat. https://media3.giphy.com/media/v1.Y2lkPWE1NzM3M2U1ajByZTdhazhlMTlwN2huMTdyMGJmNDZ5ajM4bDFrbjY5aTd4ejEzbiZlcD12MV9naWZzX3NlYXJjaCZjdD1n/iPx2pIcaO84vveZ2jq/200w.webp
notmyrealface
They know the end of the industry is coming, and they are trying to milk every dime before it does.
tinyfootprints
I've been uninsured in the USA since around 1984. Prescription prices are always lower for the uninsured, even lower than what an insured person would pay. Health insurance in the USA is a scam.
rossimus
We cancelled our insurance too. The math doesn't make sense /shrug
asm80dfa8sdfj
I (thankfully) get medicaid, but because (not thankfully) I have full kidney failure and am on dialysis. I go through Blue Cross, but not Anthem. Anthem is the worst flavor of Blue Cross, literally up there with Luigi's friends over at United. They were about to start telling surgeons how long they could use anesthesia, before St. Luigi changed their mind. The one I have is Wellpoint with Blue Cross. Never been denied a visit, only one "med" ever denied (an OTC available lotion that cost me $6)
asm80dfa8sdfj
It's a great experience, I wish everyone in the US had this. I legitimately feel like I can go get taken care of anytime I need. Even if it's not life or death, even if it's just a scare. Earlier in the month I had something presenting as a heart attack - I have had two in the past and this felt a lot like it. Turns out it wasn't thankfully, so no damage done. But I didn't have to worry about going bankrupt to find out I wasn't dying. THIS IS HOW IT SHOULD BE.
CycloneSP
ngl, I've been worried about not having "proper insurance" for a while now, and actively avoiding healthcare due to costs; but recently I've
CycloneSP
learned about "DPC" or direct primary care, which is basically just a PCP subscription service, cutting out the middleman
happyrabbitzz
While I'm not likely to pray to him, nor any other so-called saint, he's probably done more for me than the others.
asm80dfa8sdfj
A few things. First, you know he's real. Second: whether he did or didn't do it, the incident has changed at least one major transgression; the Anthem anesthesia thing where they were going to tell anesthesiologists how long they could use anesthesia for any given surgery.
He has done more for any modern person than any other saint. The only one that really did anything else for people outside of the church off the top of my head was Saint Nick, though quite embellished.
Cybrandir
thinkstopthink
The insurance cartels are cancerous lesions on the body politic. Ripping them out, cutting them up, and burning them with a flamethrower is the only ethical move.
JohnWickdidnothingwrong
Kablooeeey
I've been without insurance for about 4 years. I pay out of pocket and it's much MUCH cheaper per month than having insurance was. Of course I'm not covered for anything major, but it's not like insurance would pay for it either. They might, they might not, because insurance is in charge of health care in the USA, not doctors.
MakeItBackAlright
You can find cheaper insurance that's pretty much catastrophic coverage only, type of plan with a 6K deductible. Pretty much not good for anything less than a car accident, but it would take the edge of an ICU stay for sure
martineb72
If you live in Texas, Pennsylvania, or the 2 Carolinas, unsecured debt cannot garnish your wages. So medical debt barely effects your credit rating and they can't garnish your wages. What they can do is garnish your capitol gains, if you have any in the 10 years after they sue and win. And they largely only pursue a lawsuit if they can get a default judgement. Show up a couple times, and they will walk away 80% of the time.
DOcelot1
Head out of country for anything major
magus200342
Most hospitals have charity and forgiveness programs for emergencies if your uninsured. I had an ambo ride and overnight stay reduced from nearly 4.5grand to 700 and they only had me pay 20bucjs a month till it was paid off. It's wild.
ForceAwakenWasLame
I won’t/ don’t pay the large bills. But ya med ins in us is corrupt af
makesense
Everything all depends on your health, your family status, and nothing going wrong. And this was a debate when they were deciding whether to force people to have to get insurance.
Single, healthy people are rarely using services, and thus no insurance is 'much cheaper'.
My diabetic wife with no insurance would cost me potentially tens of thousands of dollars just for treating that. She had a kidney stone whose removal would've cost us $30k without insurance. Instead I paid $7k.
PerrinAybara564
I switched to a Health Savings Account. The money is deducted pre-tax to a savings account. At any time, I can make a tax-free deposit from my check to the HSA, and every year I get a lump sum. Sure, if I go to the doctor's office I pay a large amount. It's nearly the same amount I would pay if I had no insurance, but it instead comes out of this savings account, so I don't pay much attention to it. It's nice
MoopsyLD
You could literally pay less to travel and get major stuff done than in this shit hole country.
wabitgirl
I've been considering dropping my health insurance. The only downside is that I would have to pay out of pocket for my meds, but two Drs appts a year at ~$85 a piece, and monthly meds at about $90 is still exponentially cheaper than paying my $325 monthly insurance costs, and it doesn't cover fuck all anyway
Imustntrunaway
You using something like goodrx for the meds? With how the fascists are fucking with medicare, I'm thinking I might have to go that direction some time next year.
MyCommentsUsuallyHaveTypos
I have a very specific anti-nausea medication, the kind they give cancer patients. It’s about $115 without GoodRx or prescription coverage, but only $30 with GoodRx. The nice lady at the pharmacy was shocked by the price, but I told her I had GoodRx, so we were covered. Thankfully, I only need it prescribed every few months for my flare-ups. Due to a restricted diet as a kid, I have to be very careful about what I eat so I always keep some on-person.
JustAName00
An MRI and a week in the hospital is enough to financially ruin an average American.
SpamYarBlockers
Remaining alive is a luxury reserved for elites
OohDaLolly
There's a few things you can do before you make the plunge. Download an app like GoodRX and search for your meds - it will tell you the discounted cost without insurance. Also, make sure you live in a state that doesn't penalize you for not having insurance.
Imustntrunaway
It seems there are only 4 states that still penalize. CA, MA, NJ, and RI.
wabitgirl
My meds do not get discounts, as they are restricted stimulants and HEAVILY controlled at this point. I've been scanning for them on GoodRX for years and they showed up for about 6 months during Biden's presidency, then vanished again.
slopwizard
The things which are ER room visit all seem to be 95% fake bullshit. Like the hospital charges $20,000 but magically the insurance turns it into $1,000 and pays only that much
crazyspelling
THIS. The first thing a hospital will do after getting denied by insurance for their lying, overinflated bill is conscript you into trying to get it for them. They charge everybody whatever the maximum amount is they could ever get from the stupidest insurance company with the stupidest plan, and then accept whatever the insurance company gives them as long as it's better than Medicare rates. They almost always have a special price list for people with no coverage that's much lower.
KrowWithAK
And if you have no insurance you can talk to hospital billing and they'll very much likely give you a SIGNIFICANT discount on the total owed. And they allow payment plans. It legitimately is getting cheaper to not have insurance at all in America.
Rogahar
And often further discounts if you're also at/near/below the poverty guidelines for your area. If I actually did get hospitalized for something serious and my insurance decided they weren't covering it, I'd be on the hook for exactly 0% of it.
Heibrin
In Australia we have hospital only plans which covers emergency and or hospital stays, not sure if you have those there. Cuts all the crap that you don't tend to use out and are generally much cheaper than the full plans.
brassmule
Obamacare removed catastrophic plans for most people and forced everyone into a limited selection of one size fits all options. It was great for insurance companies - that's why all the insurance company stock went absolutely through the roof in 2011 - but bad for consumers. Catastrophic plans are finally available again due to recent legislative changes.
brassmule
Pre 2011, that's what I did: I had cheap catastrophic coverage and just paid cash for all my medical needs, and it was cheap. I set aside money every month as savings, that could eventually be used for the high catastrophic coverage deductible. But my plan was canceled when the ACA (obamacare) went into effect.
DracarysBlackfyre
We also have medicare, government subsidised emergency health care and subsidised medications. I don't think any advice that works here is necessarily applicable to the US
HRHLordDonkeyPunch
Blessed Luigi, pray for us
SinisterDuff
Good rx for prescriptions. It's been both a money and life saving boon for my mom, one of her prescriptions, under medicare was around 350...and with grx it came in at 109. Life saving crap that pharmacies are overcharging for.