Yea we’re fortunate in that we have decent insurance options at my company and that they’re flexible with their definition of domestic partner so that she can get on my insurance. We’ll be paying ~$230/month for a $3k-per-person deductible, whereas plans we were finding for her on the ACA last year were something like $500/month for a $5k deductible–I can’t remember the exact numbers but they made my jaw drop. I completely understand why someone might consider going uninsured.
(Also fwiw the other option we’re considering is a Kaiser Permanente plan that would cost us a guaranteed ~$6500 for the year but would cover almost everything… as long as we go to a KP. That’s a lot of money and kills our flexibility but we’re at least thinking about it.)
This plan is pretty cool if you’re expecting a big expense. My partner is on it and gave birth this year. It ended up being a c-section which is typically more expensive, from what I understand. I’m still completely surprised that we received no bill.
I’ve said this many times but just don’t pay medical bills. The amount of people I have seen sued/garnished/had liens attached to their property for medical debt in almost a decade of practicing bankruptcy law is approaching zero. So it could happen but probably no.
Fuck you no works guys. Apply it.
(Not legal advice. Paying your medical bills is safest. I just don’t see real life consequences from not for most people)
That doesn’t constitute legal advice and you absolutely could get sued. I just don’t see it hardly ever. Not never but maybe a handful of times in thousands of cases.
The non-payment segment is fully baked into the prices imo.
Do the times correlate with wealth? Like, I assume most people who don’t pay medical bills are broke and thus suing them would be pointless. If someone with actual net worth did it, I would think the odds of being sued would be higher. Plus I’d expect you to be less likely to come across them, since they’d be less likely to be bankrupt, right?
In general suing debtors with property and/or good jobs is more frequent for obvious reasons. My business partner will take much sketchier family law cases for example if they own a house because if they don’t pay getting a judgment and a lien on their house is trivially easy. Wait for it to eventually sell and get paid with interest. Same thing with jobs except escaping the garnishment can be done a little easier.
Of course you can permanently end garnishments and eliminate most liens on your homestead through bankruptcy.
Dont feel like doing a full writeup on the situation I posted about this summer but my insurance company continues to slow play everything until simply not covering me after the end of the year. 24/7 pain is not to be underestimated. I always wondered how you could get sucked into that and never get out but I am starting to understand and feel ashamed of how I felt about people dealing with it before.
Well, to balance things out, I also make more working for the state than I did in the private sector. Along with way more time off, and a much better work/life balance.
An emergency deparment physician and a radiologist face a recent $75 million medical malpractice verdict linked to their care of a 32-year-old patient after he collapsed during a chiropractic neck treatment in 2015.
HORROR coming in 3, 2, 1…
The patient […] developed locked-in syndrome. The rare neurologic syndrome causes complete paralysis except for the muscles that control eye movements.
The chiropractor, Michael Axt, DC, was named in the original complaint, but court documents filed earlier this year requested that he be dismissed from the lawsuit, stating that he and the patient had reached an amicable resolution.
Holy shit what a horseshit case. Not as bad as the nyc asthma ecmo case, but still. This patient was almost certainly fucked well before they were in the ER
