3. Japanese insurance and healthcare compared to US.
“I’m American. I lived in Japan from 2012-2018, and what a dream that was. Moving back was the worst decision I ever made, and it primarily lands on the fact that American healthcare and insurance is the worst damn system imaginable. I had my last three wisdom teeth taken out last November. I have dental insurance through my employer. They ran it and told me I’d have to cover $1400 of the surgery on my own because I had hit my limit, and the rest would not be covered by insurance. Well, now, two months later, I’ve learned that apparently $1400 wasn’t enough as I have a new bill for nearly $600 more because of things my insurance would not cover.”
“It cost me $49 to have one wisdom tooth removed when I lived in Japan. Even without Japanese Insurance, I could have bought a round-trip ticket to Japan, had the rest taken out, and still have over $300 to spare. That is ludicrous. And my friends wonder why I don’t travel anymore. It’s damn things like this that suck up money. Two months AFTER I think I’ve got everything paid and under control, I get surprise bills from things I apparently didn’t pay enough for. How the HELL do you budget when you could get a $600 demand at any time from a doctor for something that happened months ago?” rants ccaccus.
2. Problems at the eye doctor because of US healthcare insurance.
“I wear contacts, and often times my eyes get pretty dry because of it, so much that the veins surrounding the edges of the contact will get very red, and my eyes will get irritated. It’s like the contact was sucking all of my moisture out. I brought this issue up to my eye doctor, and she gave me a prescription for some eye drops that should help. Cool. I’m expected them to be like $70 or so with insurance (not that I know much about insurance coverage, considering I’m just in college, but that was my guess). My mother and I got to the store to pick up my prescription. The lady at the counter gets a surprised look on her face,” says Astronomy_.
“She tells us that she’s going to check and make sure it’s the correct prescription… turns out it is, and it costs around $2000. Not to mention they’re individual use?? Wtf are individual-use eye drops? And WHY are they TWO THOUSAND DOLLARS? Insurance would cover a couple hundred, so that brought it down to $1.7k. Actually ridiculous. It’s not even just the insurance that’s bad. It’s the price of it in general… why are they two thousand? I’ll just keep using the over-the-counter contact eye drops that are just contact solution and continue to suffer.”
childfromthesun explains, “I used to work for a health insurance company, and it was absolutely painful. Sometimes even we didn’t understand the decisions our company made. I could only do it for a few months. I had to help a poor lady who, post-heart surgery, was promised over the phone it was covered. Then the company suddenly backtracked after the fact and asked her to cough up 60K. My boss threatened me not to tell her how to dispute. Absolutely HORRIFIC! Dealing with crying dying cancer patients on the phone just trying to offset costs for their surviving relatives and poor elderly being taken advantage of broke my heart.”
“Listening to distressed patients in pain wondering why their life-saving med prices jumped from $50/m to $5000/m NO EXAGGERATION! And the cold and calculated cruelty of the company I worked for astounded me. I couldn’t believe this was an everyday reality for sick people. My husband was about to move to America to live with me! Then, I realized we were making a mistake. I stopped him from boarding the plane because I know this would be our future when we grew elderly. I knew in my soul I had to get the hell out of this place.”