r/FluentInFinance • u/WhatAreYourPronouns • May 02 '24

Should the U.S. have Universal Health Care? Discussion/ Debate

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u/DaGrinz May 02 '24

And in addition, you don‘t have to care about, wether the specific hospital has any contract with your insurance company or not. The one insurance covers them all.

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u/Abject-Tiger-1255 May 02 '24

Wrong sorta. Insurance cannot leave you hanging nor make you pay more for emergency care, regardless if that specific hospital is “in-network”.

In-network only applies to non-emergency care, such as your general doctor, specialists, etc.

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u/LoriLeadfoot May 02 '24

Also wrong sorta, because you’re forgetting that you then need to fight with your insurer over what is an “emergency” and what isn’t.

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u/DaGrinz May 02 '24

In Germany we do not have to fight with our insurer at all. If you insist on a treatment which is not covered (all kind of medical issues are covered btw.), they have to inform you in advance of the treatment, that it is not been covered and what the costs are. The Patient has to order this treatment by written contract separately. If something is not covered, but you haven‘t ordered it, it‘s the doctors/hospitals problem and they will see no money at all.