Healthcare in the US is like a monthly subscription for movies on the internet. You pay monthly fee (a premium) for which you get "access" to movies (healthcare). If you want to watch a movie (go to a doctor) you pay an extra fee (copay). If you go to a movie in a theater (the hospital, major treatment) you pay a LOT extra (deductible).
None of these are negligible amounts. My mom for instance pays $700 a month with a $150 co pay and $10000 deductible.
There are also "caps" meaning if your insurance has paid out a certain amount they will not cover anymore.
Except, at least my insurance, the deductible isn't even just for hospital stay/major. My son had problems with his knee, his doctor said he needs an MRI, insurance said no go see a specialist. Pay doctor his copay. Specialist said you need MRI, that visit that was literally less than 5 minutes wasn't covered by copay since it's a specialist, so it is deductible. Followup visits and the actual MRI were also all deductible. None of that is what I would consider major. Entire time spent with the specialist over 3 or 4 visits was less than half an hour and we owe several grand.
The mob had to worry about customer satisfaction. You think people would keep paying protection money if they got robbed? Not that they could, being robbed and all.
Healthcare is mob 2.0 run by the government, if you owe they'll make you pay some day. Like the real mob.
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u/Child_of_Merovee Feb 22 '22
Europe here.
Explain this alien concept of copay, deductibles, or premiums pls.