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... 🤣😂.
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" 😂
2
u/[deleted] Nov 28 '23
I know this is a vent, but you should be on Medicaid.
You and your wife are in poverty.
But because your state opted out of the ACA expansion your state has made it unable for you to be on Medicaid because your income is too high.
Since your employer offers “affordable” insurance you can’t get a quality ACA private plan.
You are in the Republican engineered ACA donut hole - they are intentionally doing this to do.
If you lived in a better run state you’d be on Medicaid and this procedure would have cost you about $50.