#fuck health insurance

[tricornonthecob]

I feel like health insurance companies should just reword "Explanation of Benefits" to "Excuses for Denial." Seven grand for thirty minutes in the hospital and one CT scan, and the site won't actually tell me WHY the claim was denied, so all I can think of is "I would have hit my deductible if that happened so any and all excuses are valid, oopsie daisy you hit your head twice in one year so we'll deny the claim! Maybe stop being an imperfect creature! Anyway give us more money so we can continue to deny you coverage."

[tohelpmecopewithanything]

Nothing quite like my always slightly suicidal boyfriend telling me that I can have the insurance money

So I’ll just be crying all night trying to figure out how serious he is

I fucking wish he had bought health insurance so I could do someone about it like call or get him some help but knowing his finances I understand why he didn’t

[riewiggles]

How Healthcare is Designed to Fuck You All

I have Premium Healthcare through my Company (UH).

I even had a FSA last year.

I have PCOS.

I got Nexplanon in 2021.

It wore out this year.

I now have a cyst on my pelvic bone.

I'm bleeding out.

I woke up 4 times tonight having bled out 4 pads alone.

Last year for context I had a MRI because I have FBD and had a tumor in 2021 that was removed because it tugged on breast tissue. Last year's MRI is a financial burden and the bane of my existence.

I LITERALLY cannot afford to get the IUD my gyno recommended, hormone treatment, because she wants to tell insurance we exhausted all options before we do the partial hysterectomy next to treat my PCOS, and now I have a cyst on my thigh and idek if it's contributing to me bleeding out or if I have an ovarian cyst or multiple or if it's anything else contributing to me bleeding this fucking heavy omg but I can't afford to check it out because the system isn't meant to help you you can't fucking win

for additional context because I typed this half asleep and pissed at 5 AM, before Nexplanon I would bleed a box a cycle and my cycles would be so random I couldn't even keep track. I never even had PMS , they would pop up randomly. Now my Nexplanon is no longer working and it has to be removed. My gyno wants to switch it out and put in an IUD and start me on hormone therapy to stop the bleeding and get my hormones in a better place before going forward with a hysterectomy so that insurance will cover it. The fact that insurance will not even cover for me to get a hysterectomy is beyond me because the IUD alone scares me. My sister had one and it lodged up into her lower intestine and I've heard so many horror stories about them.

[halfwaybyaccident]

I had to have an MRI to confirm a suspected tumor.

I just got the breakdown today of how much my insurance paid of the $3,000.00+

$25.00

Less than 1%.

[reno-the-himbo-turk]

American healthcare at its fucking finest pt 1

So due to where I live being a red state being ran by assholes I started my Trans Journey properly roughly 4ish months ago. Now thanks to the fact I work 3rd shift I really can't be out and about during the day and my off days are weird. I really only have one solid day for appointments as the nearest trans care is over 30+ minutes away without rush hour traffic which is when I get off work assuming I am not forced/asked to stay late For those of you who live outside of America depending on where you are at in America there are multiple hospitals/doctors offices in your area and some of them are ran by different groups. Where I am at we have SSM, BJC/WASH-U, and MERCY are the big three. Now I do most of my medical stuff with BJC 95% of it for at least the last 15 or so years. Now this matters as BJC will share records with any BJC/WASH-U doctor no questions asked and will gladly refer you to another doctor if needed from BJC normally in pretty much the blink of an eye. Now they will not be able to access or share records with SSM/MERCY normally unless you go through a lot of paperwork and hoop jumping and if said doctor works at several facilities you can tell them I need paperwork sent to Blank place and more often than not they will mail/fax it to the wrong building (at least on my experiences) which then requires more waiting time (days in my cases) in addition to hoping they can basically look it up and be like "ohh it got sent to X place instead of Y place" Then going from there. Now why this is relevant. The doctor I see for transitioning is a specialist that with my insurance I pay a $75 copay to see. They deal with Endocrinology and issues of that nature. When I started seeing the doctor months ago I was able to get appointments for Thursdays which is the one day I am truly free to safely drive 30+ minutes to visit a doctor. My doctor for T no longer has Thursday appointments. They have 3 different facilities with different doctors I could in theory see, but after going through the hassle of telling them I need to change doctors for that reason, getting my doctor to approve it and then waiting on any number of other doctors to approve a patient switch I get told none of them have Thursday appointments. Instead I am told I have to do Zoom appointments on days that don't work for me which is an issue because I will have lab work that would need to be done and they still make you do in person visits every so often which if they only have non-Thursday days won't work. I also do not have a clean, safe, and private filming area for Zoom meetings because I do not live alone and cannot afford too when rent where i'm at is easily 1200-2000 a month and they would like you to make 2-3x that.

[switchkick]

[victusinveritas]

[flying-cat]

I owe 2000 dollars to my local hospital because I went there when I was sick, considering it an emergency, because I COULDN'T KEEP ANYTHING DOWN and was becoming dehydrated, and they decided that, because I was going in there to treat severe nausea and vomiting caused by a cold, it wasn't a medical emergency and therefore I should pay the entire fucking amount. Of 1,188 dollars. Along with the other bill they didn't pay barely any of because I got a pain med shot for my severe back pain and they said I was "too young" for it, so it wasn't medically necessary. Are you fucking kidding me dude.

[nando161mando]

Interesting 🤔

[dontmean2bepoliticalbut]

[eelfuneral]

Dealing with the American Healthcare System almost always triggers a meltdown or anxiety attack for me, especially when insurance is involved.

[jay-wasstuff]

-

Bonus: the old man (+insp)

[vvixes]

The American Healthcare system makes me want to shoot myself in the foot.

[hafwen]

My health insurance decided that I don't need 2 hours of therapy a week and I only need one hour therapy and then 30 minutes of help doing paperwork stuff so that's going to be a fun argument my therapist and I get to have with them now

[victusinveritas]

Alternatively, they could just try not being dickbags who murder for shareholder profit.

Bit late for United Health to scrub its CEO information, all things considered, but I'm sure Brian Thompson's replacement feels really secure right about now.