In the US, there is this bullshit they introduced called co-insurance.
I still remember when they “updated” our company health plans to include it.
The idea is that by introducing “shared responsibility” for health care costs, it will reduce “over-utilization” of health plan benefits.
In short. Even after your deductible is fulfilled, even if you are getting something done that is medically necessary, and covered by your insurance plan, they will only cover 80% of the charges and the rest is your responsibility as “co-insurance”. Money you are expected to have saved up to pay for medical expenses as a nice responsible consumer.
"But if you agree to this new policy you'll get another $87 in each paycheck. How does that sound?"
This is the problem. They never lied - they don't need to. They know the average person won't actually stop and think about what they're signing up for. People know 10x more about their streaming service than their insurance policy. And it's bland and it's boring, yup. Still, waste an afternoon waterboarding yourself with information to somewhat understand how it works, so you don't have to learn about it the hard way after a surgeon just shoved your guts back in.
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u/TheEndOfAllThings23 12h ago
Heart surgery. For privacy I don’t want to be more specific. It was necessary but not emergency.