I apologise in advance if this is too long but I feel like this is the right place to ask and I’d receive the correct knowledge here.
Bit of context here, I’m a British guy who aspires to move to the US and own my home and have my money family, AKA live the “American Dream” wether it exists anymore or not that’s for another topic for discussion 😅.
However, the healthcare system is really bothering me, as a British person I’ve been brought up around universal/socialised healthcare and to be frankly I’ve never paid anything directly to a hospital or an insurance company.
Yes we do pay for it through our taxes, and respectfully I’m not here to discuss if we pay too much tax or not, I’m here to find out about the system and is it as bad as people make it out to be?
I understand America has this society of everyone should work hard for their own good stuff and everyone should rely on themselves, which I understand and I can agree with. I understand most people get their insurance from their employer and kids are allowed to go under their parents insurance.
But here what I fully can’t seem comprehend, how can your health be related to your job? It just seems not right? What do people do if they lose their job or their employer fired them for no reason? I can’t understand how can someone’s health be linked to their job.
And this isn’t me trying to come to America and be lazy, no I come to America to want to work and make a decent life for myself and pay my fair share of tax, but the taxes seem to go no where? For instance good forbid my employers decides to let go off me then i will no longer have insurance? How do people cope with this? Is it as bad as it seems in the internet?
I’m all for the “hard working culture” and the “earn everything for yourself” but this is healthcare? Life or death situation, and yes I know about EMTLA where they must treat you as an emergency. But what do people do when they lose their job and it’s linked to their health insurance?
Even if their employer doesn’t provide health insurance, which I believe they must do if you are working 40 hrs or more, how do people pay for their health insurance if they lose their job? As I’m assuming they are relying on their paycheck to pay for the insurance policy right? So what happens when you lose your job?
Also how do people manage to pay for healthcare even after insurance? I’ve heard stories of average people paying $4000 for treatments even after co pays, deductibles etc etc, how do they pay such a large bill when they maybe only make $4000 a month if they lucky? Because the insurance Bill’s seem really really high even after insurance.
It makes me wonder what is the point of insurance if the bill will still be high and still unaffordable? I also heard about people being refused things because they are “non urgent” or “unnecessary”. Like who decides if the treatment is urgent or not? Is there anyone you can complain too or is there anyone taking your side? The state? The county? State districts?
I also hear things like “out of network hospital” this one I heard when someone said the ambulance took him to “out of network hospital” like that seems really absurd and ridiculous? How can the ambulance driver know if this hospital is in your network or not? And apparently the insurance can deny it? Like WHAT? How do people even manage to live? It seems really ridiculous to me from what I heard, can someone please take the time to enlighten me.
Surely it can’t be that bad as over 330M live in the US at this moment. It just seems to me that it’s really bad.
I REALLY appreciate it if you made it this far, and would appreciate it even MORE if you could please explain to me how you guys manage.
THANK YOU
submitted by /u/i578
[link] [comments]
I apologise in advance if this is too long but I feel like this is the right place to ask and I’d receive the correct knowledge here. Bit of context here, I’m a British guy who aspires to move to the US and own my home and have my money family, AKA live the “American Dream” wether it exists anymore or not that’s for another topic for discussion 😅. However, the healthcare system is really bothering me, as a British person I’ve been brought up around universal/socialised healthcare and to be frankly I’ve never paid anything directly to a hospital or an insurance company. Yes we do pay for it through our taxes, and respectfully I’m not here to discuss if we pay too much tax or not, I’m here to find out about the system and is it as bad as people make it out to be? I understand America has this society of everyone should work hard for their own good stuff and everyone should rely on themselves, which I understand and I can agree with. I understand most people get their insurance from their employer and kids are allowed to go under their parents insurance. But here what I fully can’t seem comprehend, how can your health be related to your job? It just seems not right? What do people do if they lose their job or their employer fired them for no reason? I can’t understand how can someone’s health be linked to their job. And this isn’t me trying to come to America and be lazy, no I come to America to want to work and make a decent life for myself and pay my fair share of tax, but the taxes seem to go no where? For instance good forbid my employers decides to let go off me then i will no longer have insurance? How do people cope with this? Is it as bad as it seems in the internet? I’m all for the “hard working culture” and the “earn everything for yourself” but this is healthcare? Life or death situation, and yes I know about EMTLA where they must treat you as an emergency. But what do people do when they lose their job and it’s linked to their health insurance? Even if their employer doesn’t provide health insurance, which I believe they must do if you are working 40 hrs or more, how do people pay for their health insurance if they lose their job? As I’m assuming they are relying on their paycheck to pay for the insurance policy right? So what happens when you lose your job? Also how do people manage to pay for healthcare even after insurance? I’ve heard stories of average people paying $4000 for treatments even after co pays, deductibles etc etc, how do they pay such a large bill when they maybe only make $4000 a month if they lucky? Because the insurance Bill’s seem really really high even after insurance. It makes me wonder what is the point of insurance if the bill will still be high and still unaffordable? I also heard about people being refused things because they are “non urgent” or “unnecessary”. Like who decides if the treatment is urgent or not? Is there anyone you can complain too or is there anyone taking your side? The state? The county? State districts? I also hear things like “out of network hospital” this one I heard when someone said the ambulance took him to “out of network hospital” like that seems really absurd and ridiculous? How can the ambulance driver know if this hospital is in your network or not? And apparently the insurance can deny it? Like WHAT? How do people even manage to live? It seems really ridiculous to me from what I heard, can someone please take the time to enlighten me. Surely it can’t be that bad as over 330M live in the US at this moment. It just seems to me that it’s really bad. I REALLY appreciate it if you made it this far, and would appreciate it even MORE if you could please explain to me how you guys manage. THANK YOU
submitted by /u/i578 [link] [comments]Read Morer/HealthInsurance