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What do Americans do if they have no healthcare?

489 replies

summeriscomingsoon · 25/03/2021 22:43

Seeing posts on Reddit about the costs of routine medical visits and the astronomical breakdown of figures charged, but I'm assuming these are all covered by health insurance.

But what if you have no insurance. What happens if you get cancer etc. Are you left to die?

OP posts:
UsedUpUsername · 26/03/2021 19:11

@Blueberries0112

Biden did not tell insulin companies to raise their price. It’s these capitalists who are throwing a fit. I remember when Obamacare first passed, my husband ‘s health insurance company from work raised their price before they even gave Obamacare a chance to work. They didn’t care, they wanted people to be mad and blame Obamacare
This is ridiculous. Big insurers are more likely to fund Democrats and they are the reason the public option originally proposed by Obama (which iirc correctly was originally Mitt Romney’s model when he was governor of Massachusetts) was struck down. It was a disappointment
UsedUpUsername · 26/03/2021 19:14

@Dixiechickonhols

teenageromance people also tend to work much later in America. I've noticed on holiday there that Walmart, Disney etc employ elderly people 80 plus as greeters etc. It's rare to see someone that age working in UK whereas it's common. I assume to ensure they get work heathcare.
They have Medicare they don’t need health insurance. It’s to supplement their social security.
rc22 · 26/03/2021 19:27

A friend of mine had a very rare form of cancer. There is a particular surgical procedure that treats it very successfully. In this country, there are two hospitals where it is done, but, if you are unfortunate enough to have it, you are referred to one of them by the NHS.

I googled the condition when my friend told me she had it and basically found lots of information about Americans without insurance or whose insurance wouldn't cover the procedure who were facing death.

Made me so grateful for the NHS. Without it I wouldn't still have my happy, healthy friend ten years on from her diagnosis.

Interested in this thread?

Then you might like threads about this subject:

Blueberries0112 · 26/03/2021 19:29

Insurance did not want to cover pre-existence conditions

Chipsahoy · 26/03/2021 19:32

It’s horrific. Especially as kids are victims of it too. Yes emergencies dealt with and yes they will treat them but the parents will be left with major debt.
My dh would be very afraid to get unwell of hurt as a child as he knew his parents couldn’t afford a dr. He needed stitches once and his parents were so poor, poverty, can’t afford food poor, that he wasn’t able to go and get them. Butterfly stitches that meant lots of pain and healing was rough. He’s scarred..
emotionally too because he still won’t see a dr because it’s ingrained in him not to.

It should be free for children. Because how is it their fault? Free for those on low income or unable to work. It’s horrific and the only reason why we will not move there.

eaglejulesk · 26/03/2021 19:35

teenageromance people also tend to work much later in America. I've noticed on holiday there that Walmart, Disney etc employ elderly people 80 plus as greeters etc. It's rare to see someone that age working in UK whereas it's common. I assume to ensure they get work heathcare.

It's not uncommon to see elderly people working in other countries either. Some do it to supplement their superannuation, but - shock, horror - some do it because they prefer to be busy and like working!!

AnaofBroceliande · 26/03/2021 19:58

@Dixiechickonhols

teenageromance people also tend to work much later in America. I've noticed on holiday there that Walmart, Disney etc employ elderly people 80 plus as greeters etc. It's rare to see someone that age working in UK whereas it's common. I assume to ensure they get work heathcare.
They have Medicare.

And it's delusional to think we can keep going with retiring even at 67 here long-term with life expectancy rising. Retirement was never designed to mean 20+ years of economic inactivity with many developing complex health conditions or dementia.

MissConductUS · 26/03/2021 20:03

@Blueberries0112

Insurance did not want to cover pre-existence conditions
See my post up thread about the Affordable Care Act. They've been required to cover them since 2010.
summeriscomingsoon · 26/03/2021 20:08

Utterly horrified by all these reports. Didn't know it was so bad.

OP posts:
Blueberries0112 · 26/03/2021 20:29

“See my post up thread about the Affordable Care Act. They've been required to cover them since 2010.”

That’s the year I was talking about. In 2010, my husband’s health insurance raised up by 60% in hope to make Obama care to fail

XingMing · 26/03/2021 21:40

US health insurance never welcomes anyone with health issues. But if you take a job with a company that has a group policy, then you are entitled to be covered. The group policy the employer had bought for All their employees should compensate them for the additional risk.

Miasicarisatia · 26/03/2021 21:43

America might as well be a third world country when it comes to HealthcareSad

MissConductUS · 26/03/2021 21:55

That’s the year I was talking about. In 2010, my husband’s health insurance raised up by 60% in hope to make Obama care to fail

The insurance industry didn't like the new regulations but they loved the millions of new customers they got through the ACA marketplace. Costs went up because they were required to cover a lot of things they didn't cover previously, like preexisting conditions. Most companies put their coverage out to bid after the regulations changed.

MissConductUS · 26/03/2021 21:56

@XingMing

US health insurance never welcomes anyone with health issues. But if you take a job with a company that has a group policy, then you are entitled to be covered. The group policy the employer had bought for All their employees should compensate them for the additional risk.
They also have to cover preexisting conditions for individuals buying coverage through the ACA marketplace.
MissConductUS · 26/03/2021 21:58

@Miasicarisatia

America might as well be a third world country when it comes to HealthcareSad
I'll mention that to the Brits I see who come to NY seeking treatment that's unavailable elsewhere or who don't care to wait months for it.
ghettihead · 26/03/2021 22:28

I am so grateful to the NHS. I have type 1 diabetes. We might not get access to the most up to date technology on the NHS, but I've never had to worry if I can afford insulin. I know of people in USA having gofundme campaigns for insulin, or traveling to Canada to buy it as it's cheaper there. www.independent.co.uk/news/world/americas/diabetes-josh-wilkerson-death-age-counter-insulin-cost-lost-private-health-insurance-american-doctor-a9039656.html

snowballer · 26/03/2021 22:50

It's probably already been mentioned but Michael Moore's documentary Sicko is well worth a watch. It's mind blowing watching it when free (at point of use) healthcare is just normal life for us.

The thing I can't really get to grips with is the idea of paying thousands in health insurance premiums, still having a bill for copay etc at best and at worst, having a bill for thousands of dollars being rejected by insurer after treatment. Or being rejected prior to life saving treatment and just being left to die.

It's. So. Fucked. Up.

Kendodd · 26/03/2021 23:00

It's a shit system and when I asked him why people don't demand universal healthcare he said that it's considered to be socialism and there is a big mistrust of socialism, its basically a step away from communism, and (generally speaking) people don't like the idea of paying money into the pot for others to benefit especially if those others haven't paid in anything/as much.
But paying into a pot that others might benefit more from is exactly what insurance is!

MissConductUS · 26/03/2021 23:01

Sicko has been mentioned several times. It's completely outdated as it was released in 2007, three years before the ACA completely changed the medical insurance industry in the US. It's probably fair to say that Sicko helped motivate the reforms politically.

HerRoyalNotness · 26/03/2021 23:08

@Jellycatspyjamas

In all my years Ive never had a problem negotiating a payment plan with anyone but ambulance companies. They want the full amount then and there over the phone. I dont think they are routinely covered by insurance either Its no wonder people dont use them if they dont have to.

It’s absolutely crazy not to include ambulance care in insurance - generally speaking if you’re in an ambulance you’re pretty unwell and unable to get to hospital under your own steam. It’s hardly a taxi service.

It is a bit like a taxi service. I don’t know which company will show up when I call 911. Could be the local fire station ambo or one of the many private ones.
Blueberries0112 · 26/03/2021 23:21

@MissConductUS

That’s the year I was talking about. In 2010, my husband’s health insurance raised up by 60% in hope to make Obama care to fail

The insurance industry didn't like the new regulations but they loved the millions of new customers they got through the ACA marketplace. Costs went up because they were required to cover a lot of things they didn't cover previously, like preexisting conditions. Most companies put their coverage out to bid after the regulations changed.

The idea was to balance it out on its own without raising the cost too much as more people get on health insurance. They didn’t want to do that. They wanted $$$
snowballer · 26/03/2021 23:25

I'll mention that to the Brits I see who come to NY seeking treatment that's unavailable elsewhere or who don't care to wait months for it.

The waiting comparison isn't an accurate one though - Brits can also take out private health insurance or just pay direct for private treatment and therefore not wait, just like Americans. We just luckily have the option to receive it for free too. Life threatening conditions don't (in general, obviously it's not 100% perfect) sit in queues in the NHS either but I imagine lots of people in the US self-impose waits for treatment by not being able to afford it and therefore not seeking it.

Keepitnerdy · 26/03/2021 23:40

I was just watching this, the women in the podcast does get health insurance after a while but it doesn't pay for everything. Definitely worth a watch she's very articulate and strong women.

Harrystylesismyjam · 26/03/2021 23:43

The poster who mentioned how disturbed they were that a nurse does a Pap smear in the UK vs the gynaecologist in the US who performs a full pelvic exam. What exactly is a pelvic exam? What does it entail and what am I missing out on with having just a bog standard nurse twizzle my cervix with a scrubbing brush?

MariposaLilly · 26/03/2021 23:50

apalledandshocked

@MariposaLilly I see your point about life choices and maternal outcomes. However, it is interesting because I would have thought that you would have similar people making poor decisions in other countries. So, if that is the cause of the maternal death rates being higher in the US why do you think it is a much bigger problem than the UK/Germany/France etc? It cant be that Americans are more stupid than other countries (ridiculous stereotype) so why? (genuine question, not being goody)

Concerning my 'freedom to be stupid' remark. It was said in the same manner I would say that in America we have the freedom to offend, to be offensive, as in free speech. Here pregnant women and new mothers are left to their own devices. There are no follow-ups, no health visitors, no one making house calls. People are free to be totally irresponsible - to be stupid. There is also very little fear of having your baby/children removed as there is in the UK. From what I saw, no one corrected bad behavior and it was probably because they were too scared to. It is the same as going into dangerous neighborhoods to force good healthcare on them, or to tell them not to do drugs, drink and smoke.

At the prenatal clinic I saw a midwife try to give a bottle of prenatal vitamins to a woman and the woman said something like, 'I ain't got time for that shit' and walked off - and these were the women who were bothering to seek prenatal care! Bad attitudes were common. Mothers would bring their tiny toddlers to appointments and for lunch the child would get bags of Cheetos (cheesy puffs) or something similar to eat. As a recent immigrant from the UK I was shocked.

Many women arriving in full labor had never sought or received any prenatal care. I was told by a nurse that they had a few sets of mothers and daughters giving birth at almost the same time.

During my pregnancy I lived in the same area, had access to the same healthcare, yet I gave birth to a healthy 8lb 3oz baby. The head of obstetrics came to my room the next day "to see the woman who gave birth to the baby elephant". From what I was told it seems as if my baby's size and robustness was very unusual! My point is, it is not American healthcare's fault there's high infant and maternal mortality. As I found out, good care is available even at one of the worst hospitals in the U.S.

To another poster, I said, "his nurse" which seems to have offended. People here will also say the doctors receptionist or his/her PA. He hired her and she's employed by him, not the government.

I'm sorry women in the UK do not have access, under the NHS, to a gynecologist for a full annual pelvic check-up and instead have to settle for a pap smear from a nurse. I know pap smears are even limited and not done until a certain age - same with mammograms.

To reiterate. Good prenatal and obstetric care is available to U.S women, even very poor ones, but as they say, you can lead a horse to water but you can't make him drink.

I'm British btw.