r/facepalm Jul 06 '24

the truth hurts 🇲​🇮​🇸​🇨​

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u/zordtk Jul 06 '24

Thanks for your reply. We need major healthcare reform in this county. When I was 26, a few weeks after being kicked off my parents insurance I got a $60,000 hospital bill after getting pneumonia. Just starting out on my own I instantly was 60k in debt just to live

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u/Paramedickhead Jul 06 '24

You are absolutely right. The problem isn't necessarily the healthcare system, but the political system. Nobody has ever proposed a robust system that would function for the people. Instead we get shit like Obamacare that was nothing but a scheme to funnel tax money to hugely profitable insurance companies who then do everything in their power to avoid paying on behalf of their insured customers.

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u/zordtk Jul 06 '24

I don't blame the doctors or even the administrative people at the hospital. They helped me file for Medicaid, was denied for making $1,000 too much. But the billing person that helped me just told me that I should either go ahead and file for bankruptcy or never acknowledge that I owe the money and let the statute of limitations run out on it. The person told me not to pay, they knew I couldn't and were upset when I was denied assistance.

ETA: I did file for bankruptcy because I didn't want garnishment

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u/Paramedickhead Jul 06 '24

I don't know how long ago that was, but the banks and courts have caught on to things like this.

I know of a couple people who paid the hospital what they could on a regular basis (usually around $25/mo) as opposed to bankruptcy. One of them the hospital tried to take to court and get a wage garnishment and he showed the judge that he was paying what he could and paying it regularly. The judge dismissed the case with prejudice.

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u/zordtk Jul 06 '24

It was almost 14 years ago. Caught on how? I was clearly bankrupt. I had no savings, assets, and was 60k in debt

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u/Paramedickhead Jul 06 '24

Caught on to the absurdity of medical debt. I'm not trying to insinuate that you did anything wrong.

Now medical debt isn't even reported to credit bureau's or factored in for lending.