I suppose these are cliche topics but as a non-american non-tourist the first thing that has stood out to me is that the highs are so incredibly high, and the lows are so incredibly low. Being a Canadian, it’s not like we don’t also have income disparity…but the gap is not as insane. The rich in the US have yachts that are 100’s of millions of dollars, and the poor literally carry their kids on their backs while selling fruit on the side of the highway. You can see both in the same day.
Also I don’t think Americans truly understand that you can get weeks of hospital care in Canada and not even receive a bill. Like a month in a private hospital room and i paid for a phone bill, a wifi bill, and some parking fees. In the US if you even so much as flash your eyelashes at a doctor you get a bill for hundreds of dollars.
While I agree with the essence of what you are saying. I want to say, if you have insurance the “bill” might be hundreds, but my share might only be 20 usd, if anything at all. If my “bill” was thousands, I might see my share be a couple hundred usd at most. It is possible for it to be far less then a couple hundred.
The other thing people don’t mention is, if I honestly can’t pay my share. I can walk into the billing office at the clinic /hospital and explain I honestly can’t afford my share. The hospital will bill the insurance what they can, then look for extra funding. Most hospitals have a charity fund. It is based on my income. If I am broke and make crap wages, my share might be reduced to 0 usd.
Should we have a better system? Yes, but many times there are real options out there.
As a Canadian it’s insane to me to have a bill at all after going through some sort of health ordeal the last thing you need is a big scary bill with something to do.
if I honestly can’t pay my share. I can walk into the billing office at the clinic /hospital and explain I honestly can’t afford my share. The hospital will bill the insurance what they can, then look for extra funding. Most hospitals have a charity fund. It is based on my income. If I am broke and make crap wages, my share might be reduced to 0 usd.
So the ask here is for someone who already need to work every waking moment, and then just lost a bunch of hours being hurt/sick, to then spend their time explaining multiple times to the billing dept that they cant afford it (this is degrading) and then their bill MIGHT be reduced but it also MIGHT go to collections and which further goes to damage the individual by hurting their credit. just seems like a burden on the poor.
But yeah i mean its a difference in systems. I think about how canada builds it into taxes - everyone pays in at a rate consistent with their income levels and benefits similarly - but the US way is donations. And I hope that works too. It seems to work from what i’ve seen so far. but it seems like a round about way to get it done.
I basically agree with what you are saying, just to clarify, it isn’t asking multiple times or explaining multiple times. The one time I had to ask for help, I talked to one person. They looked and said, don’t worry about the bill.
The intense income disparity.
Healthcare bills.
I suppose these are cliche topics but as a non-american non-tourist the first thing that has stood out to me is that the highs are so incredibly high, and the lows are so incredibly low. Being a Canadian, it’s not like we don’t also have income disparity…but the gap is not as insane. The rich in the US have yachts that are 100’s of millions of dollars, and the poor literally carry their kids on their backs while selling fruit on the side of the highway. You can see both in the same day.
Also I don’t think Americans truly understand that you can get weeks of hospital care in Canada and not even receive a bill. Like a month in a private hospital room and i paid for a phone bill, a wifi bill, and some parking fees. In the US if you even so much as flash your eyelashes at a doctor you get a bill for hundreds of dollars.
The statement for my wife’s first month-long hospital stint was upwards of $957k.
While I agree with the essence of what you are saying. I want to say, if you have insurance the “bill” might be hundreds, but my share might only be 20 usd, if anything at all. If my “bill” was thousands, I might see my share be a couple hundred usd at most. It is possible for it to be far less then a couple hundred.
The other thing people don’t mention is, if I honestly can’t pay my share. I can walk into the billing office at the clinic /hospital and explain I honestly can’t afford my share. The hospital will bill the insurance what they can, then look for extra funding. Most hospitals have a charity fund. It is based on my income. If I am broke and make crap wages, my share might be reduced to 0 usd.
Should we have a better system? Yes, but many times there are real options out there.
As a Canadian it’s insane to me to have a bill at all after going through some sort of health ordeal the last thing you need is a big scary bill with something to do.
So the ask here is for someone who already need to work every waking moment, and then just lost a bunch of hours being hurt/sick, to then spend their time explaining multiple times to the billing dept that they cant afford it (this is degrading) and then their bill MIGHT be reduced but it also MIGHT go to collections and which further goes to damage the individual by hurting their credit. just seems like a burden on the poor.
But yeah i mean its a difference in systems. I think about how canada builds it into taxes - everyone pays in at a rate consistent with their income levels and benefits similarly - but the US way is donations. And I hope that works too. It seems to work from what i’ve seen so far. but it seems like a round about way to get it done.
I basically agree with what you are saying, just to clarify, it isn’t asking multiple times or explaining multiple times. The one time I had to ask for help, I talked to one person. They looked and said, don’t worry about the bill.
But yeah we do need a better system.
I appreciate having your first hand insight and appreciate the convo
Drive through rural Mississippi. The wealth gap is nuts just from what you can see on the highway.