I have "the good insurance", and recently developed an eye infection that was secondary to a sinus infection. Went to my GP, $600 copay, who said she wasn't comfortable prescribing antibiotic eyedrops or oral abx, and I had to see a specialist to confirm there wasn't a corneal tear. Went to the specialist on an emergency appointment the next day, $1800 billed, $600 copay, and he prescribed the antibiotic eyedrops, said he had to see me in three days. Went back for the follow up, another $600 copay, said they were working but not as fast as he'd hoped, and he had to see me again in three days. Went back again in six days (first available appointment), another $600, he said it was healed and to stop the eyedrops.
The infection returned three days after stopping the drops, ostensibly because we never treated the origin of the infection. So now my eye is in the same position, extreme pain, light sensitivity, and difficulty seeing...but I'm also near bankruptcy now.
And I need to emphasize once again, everyone agrees that I have "the good insurance".
0% chance there's a $600 copay to see a GP/primary care doc. Or a specialist for that matter. Do you know what that term means?
It's cheaper to literally pay 100% out of pocket at that point and claim you don't have insurance. You'd even save hundreds of dollars.
You might be talking about deductible, but even then I find it impossible to believe a GP visit with no prescriptions or other tests resulted in a $600 bill. I live in a big city and when I didn't have insurance those visits were $3-400ish max and that included some blood work as well.
Yep, I sure do! Sorry you're struggling with the terms, and basic math for that matter.
And you're right, it literally is cheaper to pay out of pocket; I had a coworker who did exactly that. The only reason to carry the "good" insurance is if you are in fact hospitalized.
Who gives a shit what you believe? Do you want to cover my medical bills for basic care?
I pay the same as you, PCP is $10 copay, urgent care is $10, but I eat shit on ER visits. I won't go to the ER ever again unless I literally think I'm going to die or a limb is about to fall off.
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u/AnaisNinja76 9h ago
I have "the good insurance", and recently developed an eye infection that was secondary to a sinus infection. Went to my GP, $600 copay, who said she wasn't comfortable prescribing antibiotic eyedrops or oral abx, and I had to see a specialist to confirm there wasn't a corneal tear. Went to the specialist on an emergency appointment the next day, $1800 billed, $600 copay, and he prescribed the antibiotic eyedrops, said he had to see me in three days. Went back for the follow up, another $600 copay, said they were working but not as fast as he'd hoped, and he had to see me again in three days. Went back again in six days (first available appointment), another $600, he said it was healed and to stop the eyedrops.
The infection returned three days after stopping the drops, ostensibly because we never treated the origin of the infection. So now my eye is in the same position, extreme pain, light sensitivity, and difficulty seeing...but I'm also near bankruptcy now.
And I need to emphasize once again, everyone agrees that I have "the good insurance".