I was scheduled for an MRI yesterday. Last Friday I was told insurance had denied it because of no proof received about having done physical therapy & injections for at least 6 weeks. I've done them for 3 months. Asked the records to be sent over.
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Friday afternoon they left me a VM saying insurance was checked and my payment would be ~$650 (I have a $1k deductible).
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30mins on the phone with them & they couldn't tell me what happened. Said they could resubmit but it'd take another week.
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Insurance: $648.74
Self pay: $585.00
Yeah, you read that correctly.
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My company also pays that much for my insurance.
I owe $1000 before insurance kicks in for the year.
I owe 20% of the bill after insurance up to $3k.
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The bigger picture is the problem. Our healthcare system is broken in too many ways.
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Insurance costs are a racket.
Prescription costs are a racket.
Nobody deserves to go broke or consider bankruptcy for medical.
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Healthier people miss less work so productivity isn't compromised.
Healthier people tend to be happier people.
Where's the issue with this?
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I'm facing surgery with this situation. I'm going to hit my $3k coinsurance this year.
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For me, that $3k equates to 3 monthly bills:
- mortgage payment
- 1 car payment
- groceries
For those who can't afford it, what do they not pay in order to be pain free?
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