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Can be. The numbers are basically made up. It’s not uncommon for people to get their X-rays done at a chiropractor and take those to the Dr because it’s cheaper and insurance refuses to pay or it costs more even with insurance. I know someone who realized his wife’s insurance copay was more than if he paid cash for their kids birth. The insurance situation is insane and very complicated. Everything you hear about it is true and happens regularly. I tell people that I would rather have socialize medicine just for getting rid of the paperwork and nonsense. Unfortunately greed and racism are standing in the way.
What’s the point of insurance then? Sounds like a waste of money.
Fear. The insurance is not for “oh what if I break an arm and don’t have much cash in the bank” it’s “if I get cancer, or need to spend even a week in the hospital, all my life’s savings will be taken by this. Better give boatloads of cash every month forever to protect what I have against this.”
Then the insurance company does its best to wriggle out of paying anyways.
The point, at least in America, of insurance, is to make outrageous profits
The times when it’s tens or hundreds of thousands of dollars. The way it’s set up usually these days is that you have to pay for the first few thousand, then insurance pays part of the next few thousand and then they take over the rest. Unless they can figure out a way not to pay it. Because of insurance companies the cost of medical care has become massively inflated as well. Not just the extra paperwork and people, but also the hospital doesn’t care about being competitive, and they make up even bigger numbers so they can give insurance companies “discounts”. Then insurance just passes the cost back on the consumers.
to make money, just not for you
for the possibility of actually expensive treatment, like getting severely burned and needing skin transplants.
I paid 600 bucks for an ambulance to a hospital i could have walked to faster. Less than a mile… I couldn’t carry my mom, though so, ambulance it was. This was 20 years ago with good insurance.
woops meant to reply to Shatur
You sure have a strange way of using the word ‘good’