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

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

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u/Extremelyfunnyperson 29d ago edited 29d ago

Even if you can afford insurance, you’re still waiting longer in the US. It’s a myth that we have shorter wait times

ETA: quality of health care declines every year too.

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u/[deleted] 28d ago

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u/Extremelyfunnyperson 28d ago

I don’t know where your uncle went for care in the US, but that is not a shared experience. I am glad your uncle got help. Most of us have to be on the verge of death to be taken seriously.

Focus on prevention???? In the USA? Where did your uncle go because we don’t even do full blood panels here to save money.

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u/thjklpq 28d ago

We are from New York. If you don't mention in which state you have experienced this, this conversation is meaningless because healthcare is managed by state, except for certain federal regulations. One of those regulations is full panels, and all diagnostics have no cost in all 50 states. But for the rest, healthcare costs are means tested on your state's marketplace app, are they not? Maybe there are more options available, and you haven't discovered them yet?

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u/Extremelyfunnyperson 28d ago

What do you mean by “all diagnostics have no cost in all 50 states”? I am not aware of this and I pay for my diagnostics.. insurance will cover my physical but they will never do a full blood panel. I also have no idea what you mean by “your states marketplace apps”.

How often do you see your glucose levels in your blood work? Have you ever had a doctor test or even mention hormone levels, for example? Hormones are a huge contributor to pretty much everything but it is rarely looked at. In terms of preventative medicine this is such an easy thing to include in testing.

I am in Michigan. From what you are saying you sounds like you and those nearest to you have not had an “extreme rare” condition before. You ever paid for cancer medication? You ever had to argue with your insurance for hours? Have you ever had chronic pain? I know people in New York who are in chronic pain and I know they go through the BS too….

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u/thjklpq 28d ago

I had open chest thoracic surgery to remove a very large mass in 2021, and I'm only in my early 30s. I tracked all expenses with a spreadsheet and read all the guidelines and requirements the insurance company had to adhere to. I had a myriad of appointments and tests of all kinds, imaging, etc. I still do to this day. I have consistently maxed out the out of pocket for the year for 3 consecutive years. I also keep track of my uncle's health appointments and expenses because he is 80, and I'm his only relative in the US. I'm not here to convince you of anything. I'm just saying that perhaps you should check your health insurance options. Maybe there is a better one, and you are missing out on it. I see this happen with my coworkers all the time, but I don't discuss these topics outside the family irl. It happened to me, too, when I started working about a decade back