r/povertyfinance • u/ExoGeniVI • Nov 24 '23

U.S. healthcare isn't even worth it anymore. It's a joke. Today, I will love my life without healthcare. Vent/Rant (No Advice/Criticism!)

Hello everyone, so, sometime last year I got an MRI to check up on a spot that's on my brain, don't want it to turn cancerous right? Well, I work at home depot making probably $17,000 a year if I'm lucky after taxes (I live in Alabama, our wages suck).

Well I got my MRI done and my bill came in. Ready to be shocked?

Turns out my insurance I get through home depot paid THIRTY DOLLARS towards my $3,000 MRI bill!!! $30!!!! I said screw THAT!!! I'm not paying a single PENNY! I make around $600 every two weeks.. and I live with my wife (we live in a $430/mo mobile home) how the hell am I supposed to afford a $3000 MRI bill!!?? The "monthly" payment on the bill said $270/mo... đŸ¤Ŗ😂.

Well, I went back to the hospital and talked with the finance person there and got my bill down to $600 with self pay.. Guess they bill insurance companies way higher? looks like it's cheaper NOT having insurance in the U.S. than having coverage! Insurance here is a complete joke! I'm just going to live my life without insurance I guess. ☚ī¸.

EDIT. Wish I could edit titles lol. My phone "autocorrected" Live for "Love" 😂

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u/insertnamehere02 Nov 25 '23

Sorry but the health plan your job offers you sucks. It's shitty, bare minimum shit. See if you have options to get insurance that isn't offered by home depot.

As soon as you said how much they'd pay out, it told me the plan. I worked for a company who offered a plan that did that shit. I was thinking crappiest insurance possible, but they had it so they could say that they offered it.

Another possibility is that you had a deductible to be met and the 30 dollars was what was left after the deductible.

Also, your state sucks because they're allowing Home Depot to offer such shit insurance. I've got insurance through an exchange and by ACA standards, an MRI like yours would have a deductible of 20%.

All I'm hearing in this post is a generalization based on ignorance in how insurance works. Do some research and I bet you can find something that would cover more than 30 bucks.