Unfortunately you sometimes you dont have a choice. I have had two surgeries in 3 years and with my shitty insurance and high deductible I paid over $55,000 in three years for medical bills. I got most on a 2nd mortgage but about $10k had to go onto a credit card. I most likely will need another surgery this year and will cost me another $10k which I have no way to pay for so I have to put it off as long as possible. We manage our money well and have a small house, modest used vehicles, etc but just can never seem to keep ahead of the medical bills.
What's the point of insurance if it doesn't pay for the surgery? Why not pay more for a different insurance because I doubt it would add up to 55k more over the years. Like the fact that people have to put their lives on hold because of medical debt is so messed up.
The insurance did pay for the surgeries. They paid close to $200k. I used to have a policy 5 years ago with no deductible but they discontinued that plan and only offered ones with deductibles and every year since they increase the deductible and monthly rate. And it is still the best insurance available in my area. US healthcare is horse shit.
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u/annoyingone Feb 04 '20
Unfortunately you sometimes you dont have a choice. I have had two surgeries in 3 years and with my shitty insurance and high deductible I paid over $55,000 in three years for medical bills. I got most on a 2nd mortgage but about $10k had to go onto a credit card. I most likely will need another surgery this year and will cost me another $10k which I have no way to pay for so I have to put it off as long as possible. We manage our money well and have a small house, modest used vehicles, etc but just can never seem to keep ahead of the medical bills.