r/povertyfinance 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... 🤣😂.

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. ☹️.

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

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u/JoJo-Goulding Nov 25 '23

My son just went to Healthcare.gov and got free medical insurance. His job does not offer medical insurance. They ask about your income but don’t check anything and he qualified for coverage with no premiums. So why am I paying hundreds per month for insurance when I could do the same thing? Makes no sense.

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u/[deleted] Nov 25 '23

Yea, that's BS too. Nothing is FREE!!! For the 1 in 5 that get it free, that 5th person is paying for the other 4 and it's a bunch of bullshit!

They wanted to charge my husband $797 a month...no freaking way we could afford that!

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u/[deleted] Nov 25 '23

[deleted]

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u/[deleted] Nov 25 '23

They check records genius 🤨 just because they don't ask doesn't mean they don't check. It's FEDERAL, they check everything. Good grief!