14,000 for an appendicitis huh? But. But. Wait! The ACA prevents that, right?!?! So this lovely couple could have gotten a nice 'inexpensive' health insurance option through their state exchange with a 3k-and-quickly-rising deductible and unlimited loopholes regarding hospitalization limits and exclusions hidden in their disgusting policies.
14,000 for a surgery! But it was an emergency surgery. Was the hospital in-network? Was the surgeon in-network? Was the anesthesiologist in-network? Did the family have a choice of where to go in such an emergency to prevent excessive costs? What is the insurance mandated cap on this particular procedure? By comparison, what is the Medicaid rate for the procedure (Just so we can laugh at what a joke private insurances are)? What is this plan's hospitalization coverage limit? Is their antibiotic prescription coverage? Secondary surgery coverage? Rehabilitative care coverage? Is there a cap on these in relation to the hospitalization coverage limit? Is rehabilitative care medically necessary for such a procedure? If not, what is the process for proving medical necessity?
The Affordable Care Act is great. Insurance is great. Wait. Just kidding. No. It is f'ing not. All the ACA has done is mandated that you buy into these cheap, lying, no-good, rotten, four-flushing, low-life, snake-licking, dirt-eating, inbred, overstuffed, ignorant, blood-sucking, dog-kissing, brainless, dickless, hopeless, heartless, fat-ass, bug-eyed, stiff-legged, spotty-lipped, worm-headed sacks of monkey sh#t that pose as helpful, life-saving organizations to the American populous. Its disgusting, and it is a shame. What did the ACA do to control prices? What did the ACA do to SHACKLE these for-profit monstrosities that are f'ing America in the ass repeatedly? Nothing. It did absolutely nothing. It encouraged this and bent your right over, whether you wanted to or not.
How about we quit arguing the merits of a crap system that has discouraged the majority of providers and many citizens alike, and instead focus on addressing the actual problems in healthcare, instead of feeding the money monsters? That'd be super duper. Thanks. Where's the Tylenol?!?! f#*k.
Read my post carefully. CAREFULLY. Then get back to me when you realize why your post is completely asinine. Take your time, I'll wait.
Understand healthcare economics, CAREFULLY, and get back to me. If hospitals were more transparent (Insurance's fault) than there would be true competition in the market (Insurance's fault) and hospitals wouldn't have to go through such ridiculous measures (Insurance's fault) to ensure their equally ridiculous prices are upheld for all. The insurance company negotiates a rate of 10,000 for an appendectomy procedure. Super. Hypothetically the hospital puts their non-insured price of such a procedure at 8,000. What benefit is there to getting insurance? A whole lot of none. Insurance companies contract with hospitals, pay the big bucks to dictate the pricing they will pay hospitals for procedures, hospitals ensure their nice big book of procedure prices stay well above insurance rates, and here. we. go! Little bit of a vicious cycle huh? Did you even know such a big book of procedure prices exist? Probably not. Most don't. All hospitals have one. Such issues, in nonprofit hospitals, always go back to the insurances involved. The nonprofits can't help but make profit through the insurance payment rates. As for the 9% interest thing, some lawyers are just dicks. Big shocker there, huh?