I said it’s needless & cruel to determine if medical debt is “mostly” or “somewhat” to blame for bankruptcies. Concepts like “somewhat” and “mostly” are useless because things are so intertwined.

Some folks disagreed, despite having never been seriously ill. Lets discuss.
I have an inflammatory disorder. It popped up out of nowhere and took months to get diagnosed.
Fortunately I had health insurance, and my co-pays were reasonable.

What really put me over tho, was all the “incidentals”. The extra things you pay for add up.
Cab fare/gas money getting to/from visits. Food because you don’t have time to cook in between appointments.
And every day you spend traveling and then waiting in a doctors office USA day you don’t get paid to work.
In my case, I couldn’t get a diagnosis. I had a hematologist, infectious disease doctor, cardiologist and pulmonologist, plus my regular GP. I had to stop working all together to keep up with appointments. And I had to pay to get to and from each one.
Eventually I got a referral to Mayo Clinic. Which was awesome. And expensive.
I had to pay to travel out of state. I had to pay for my hotel room. I had to pay for food. I had to pay for extra food and lodging when I needed a second round of testing.
Even tho my insurance covered most of my direct medical expenses, I was going in to debt accessing medical care.

Maybe if insurance had covered everything, I could have afforded the travel.

Maybe if travel was cheaper, I could’ve better afforded insurance cost. Idk.
But the whole point is- I couldn’t work. Was constantly paying insurance fees for meds and doctor visits, plus paying “incidentals” to travel and rent hotel rooms.

All of it combined put me in debt. Arguing over which thing was the “biggest” cause is just insulting.
Just because hotel rooms and gas money is expensive doesn’t mean my insurance couldn’t have been better.

The idea we have to pick “most”
Or “somewhat” is ridiculous because all these things are intertwined.

And we need multifaceted solutions.

And **an extra note. I forgot to reference it in the thread, but even though my copays were reasonable it doesn’t mean they weren’t expensive. Having to see 4-5 doctors, plus 1-2 ER visits, plus prescriptions adds up. My great insurance was still costly.
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