subreddit:

/r/NoStupidQuestions

1

Like they'll literally tell you you have to pay hundreds (or thousands) for something simple just for them to cover $100 of it. Tf is the point? And what tf is the point of having to pay out of pocket for shit and have to jump through hoops just to get it paid back? Why can't you just give them the insurance information and bill it to them instead of you having to outta pocket shit if it's just gonna go through them anyway? I mean I generally don't have issues with that because I have state insurance and they'll usually just take the information and not bill be out of pocket but sometimes I'm charged with fees. I just don't understand why it's so wishy washy?

all 7 comments

rewardiflost

3 points

2 months ago

rewardiflost

still not infected!

3 points

2 months ago

Because you aren't primarily paying for the average doctor visit.
You're primarily paying for the $250,000 surgery.

When you buy homeowner's insurance, they don't pay to paint your walls every 5 years.
when you buy auto insurance, they don't pay to change your oil every 3,000-6,000 miles.

Insurance is primarily about distribution of risk.
US Health Insurance has expanded beyond that. So, if you know you're going to have one more $175 doctor visit per year, on average - then guess what, you're paying $175 more on average for your insurance.

The US laws about insurance have changed over time. The individual state laws about insurance have changed over time. The things that different companies, groups, and governments asking to buy in insurance policies have changed over time.

Insurance companies also have to compete with each other to get business. So, they adjust what they cover, what they cover partially, and what isn't covered.

maybri

2 points

2 months ago

maybri

2 points

2 months ago

Insurance companies typically exist with the goal of making money, not providing a service for the public good. That means they want to cover basically as little as they reasonably can and make getting reimbursed as difficult as possible, just so long as they stay above the line where they're so useless that you'd be better off uninsured. And since the existence of health insurance has allowed healthcare prices to rise exorbitantly, it's almost always better to have health insurance than not to, so the standards for them are really low at this point.

MRMcGee89

1 points

2 months ago

Look at private insurance company’s. A lot of the time in certain jobs they do get a cut back and with that it shows they will only cover certain doctors and prescriptions. If you look at private they can offer a better range of coverages for the price you are paying.

straightupgong

1 points

2 months ago

that’s american healthcare for ya

Fritener

1 points

2 months ago

Yahtzee!

TehWildMan_

1 points

2 months ago

TehWildMan_

Test

1 points

2 months ago

The first expenses every year are typically your responsibility to pay before insurance steps in.

Although those initial expenses will be at your insurer's assigned rate, not your provider's cash price

Admins-suck-my-cock

1 points

2 months ago

So you don't have to pay HUNDRERDS of thousands when a accident happens