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Old 08-21-2008, 08:39 PM
 
Location: Portland OR
404 posts, read 1,251,148 times
Reputation: 213

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So, I'm learning this as I experience it myself. I'm in Oregon and I'm actually worse off with my poor coverage right now than with no coverage.

Apparently, my coverage will only provide something comparable to a complementary coffee when it comes to tests.

Radiology coverage on my insurance is like a complementary coffee on the house, however imaging centers are NOT going to give me the same rate as those who have no coverage, just because I have AN INSURANCE of some sort.

So, if I didn't have ANY coverage as opposed to this garbage insurance, it would actually cost me less, because the non insured rate is substantially less than "insured rate" - the $50 or so my insurance will pay..

Is it like this in most of the US?
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Old 08-21-2008, 08:53 PM
 
5,923 posts, read 9,931,080 times
Reputation: 2675
Consider yourself lucky. At least you are getting treated.

The health care system needs to revert back to the old system. Thanks to the government intrusion and insurance company scams they only cover select injuries, illnesses etc. Essentially the health care system now DISCRIMINATES against people that have certain illnesses that they don't want to treat. You can thank the socialists in government and insurance companies for this.

A few years ago I was listening to a national talk show and a Doctor called in to say that he now needed five women in his office to do the same paper work that a single woman could do in 1980! He said the government and insurance companies are responsible. And we wonder why it costs so much to utilize the services of the health care industry these days?
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Old 08-21-2008, 08:59 PM
 
Location: Portland OR
404 posts, read 1,251,148 times
Reputation: 213
I need to get an MRI... and as it stands.. it'll set me back about $2,000 and I'm not wealthy.

If you're a millionaire, it's like a day at the Casino or your health insurance covers so much that you won't even notice. great huh.

If you're welfare receiving poor, the bleeding heart liberals will use other people's money to subsidize your care and your credit sucks so much already it doesn't really matter. They can't exactly hold one of their kidneys as a collateral..

Now... if you're somewhere in between, you can be assured to be screwed.

But Oregon, especially Multnomah county is seeing "women with children", including trespassing parents with eight kids, and "homeless" addicts as the most vulnerable population.

Last edited by TechmanOR; 08-21-2008 at 09:15 PM..
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Old 08-21-2008, 09:04 PM
 
Location: Lemon Grove, CA USA
1,055 posts, read 3,899,002 times
Reputation: 952
Reminds me of when I was without insurance for a stretch a while back and busted up my foot. Did my normal wrap it, ice/heat, elevate, etc and when it still hurt like hell a week later I went to an Urgent Care. X-Rays, a wrap shoe (one of those giant flip-flip velcro things with a hard sole), some pain killers, etc and I was pleasantly surprised at how much it ended up costing.

With the costs of insurance and doctor/hospital visits going through the roof Urgent Cares and the like are springing up everywhere. They won't be doing surgery on you or anything but they are a great band-aid for 99% of those doctor's visits people end up making.
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Old 08-21-2008, 09:13 PM
 
Location: Portland OR
404 posts, read 1,251,148 times
Reputation: 213
Quote:
Originally Posted by TomSD View Post
Reminds me of when I was without insurance for a stretch a while back and busted up my foot. Did my normal wrap it, ice/heat, elevate, etc and when it still hurt like hell a week later I went to an Urgent Care. X-Rays, a wrap shoe (one of those giant flip-flip velcro things with a hard sole), some pain killers, etc and I was pleasantly surprised at how much it ended up costing.

With the costs of insurance and doctor/hospital visits going through the roof Urgent Cares and the like are springing up everywhere. They won't be doing surgery on you or anything but they are a great band-aid for 99% of those doctor's visits people end up making.
It's sad that illegal aliens, addicts, transients looking for a sleep to crash are using ERs when they're not entitled or for without a valid cause causing causing those going for a valid cause and tax payers to bear the burden.
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Old 08-21-2008, 09:19 PM
 
Location: Lemon Grove, CA USA
1,055 posts, read 3,899,002 times
Reputation: 952
Agreed, I pay a ton for insurance just for my piece of mind but avoid the ER like the plague. They are usually full of the uninsured with everything from a common cold to a tooth ache because they have nowhere else to go and know they will be seen. I don't really blame it on the uninsured as much as the system though. Something really needs to be done to overhaul it and it ain't socialized health care that's for sure, heh (IMHO of course).
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Old 08-24-2008, 06:13 PM
 
Location: Portland OR
404 posts, read 1,251,148 times
Reputation: 213
When government tries something, it seems to amplify disparity... usually where bottom feeders get everything for free at the expense of everyone else.
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Old 08-24-2008, 11:39 PM
 
11,289 posts, read 24,256,325 times
Reputation: 11242
The insurance industry has bought the country as far as health coverage. It's going to be very hard to change that reality. Too many people involved.

I think most of the world is very confused by the way things are done in our country. It's very accepted and normal that for almost anyone on earth living in an advanced country and progressive society, a free and universal health system is extremely basic. It's probably the most unique thing about the United States that we spend hundreds of billions of dollars on health care when most countries figured this out decades ago much more efficiently...
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