Can Americans explain this shit to a britfag please?

Can Americans explain this shit to a britfag please?

Like how do you pay this back if you haven't got insurance? How does it work? Are you literally financially ruined if you fall down the stairs in america without insurance?

Obamacare
When the government makes everyone get insurance.....the medical providers will raise the prices because they know everyone has insurance and the insurance companies will have to pay.

Most hospitals have financial aid and will cover most if not all bills if you qualify. Depending on hospital policy, you could be billed separately for, which I find weird, doctor bill, surgeon bill, laboratory work, xrays and other tests such as those. Everything else usually will be picked up by the hospital.

>Are you literally...ruined if you fall down the stairs in America without insurance?

Yes, and it's actually worse.

More than half of bankruptcies in the U.S. are due to medical bills that aren't cover by the insurance people have at the time of the accident

Some docs work with the hospital, not for the hospital, they bill you separate for that.

But in this guys case it looks as if he's being billed personally right? So is that his responsibility to pay?

i'm triyng to find the vid for pic related, anyone got the link?

Yeah, he is on the hook for those bills. He would have to make arrangements with the hospital for those bills.

Thise are inflated prices. Insurance Companies negotiate them down and if it's the patient sole resposibility, they too can negotiate. Youll be in debt for ever or just declare bankruptcy.

Yep. Hospitals and doctors charge those prices simply because they can. Insurance will pay so why not?

That's why I just flat out don't pay hospitals. If they want to try to fuck me, then fuck them. I have years of no payments, so far it hasn't affected my credit either.

The reason our medical bills are so high is because of illegals they can't turn away using our medical system for free pumping out six or seven anchor babies. The cost of all of these illegals gets spread across every person who they can bill for their services. You'll see it soon in Europe with all of your "child" immigrants.

>forced meme is forced

Our medical industry was fucked up loooong before Obamacare. Obamacare hasn't really done much of anything beyond shuffle the costs around. *Most* people have cheaper and more comprehensive health care under it.

The real problem with the industry here is out of control cost inflation, which is affected by a lot of things.and fueled by the insurance industry.

Yeah, we should probably just leave it up to the free market to lower all the prices. That's what it'll do. You're a fucking genius.

Obamacare made it so instead of paying $7 a week for insurance I now have to pay $220 a month.

What the fuck are you talking about nigger

he'll still be on the hook for probably 20-60k even with the most generous cash discounts, still so high as to be irrelevent

Obamacare is retarded, but no-Obamacare is significantly more retarded.

I mean, a publicly-funded healthcare system available to all citizens for life-threatening illnesses and serious injuries, as well as basic checkups, would be ideal, but America is retarded.

Don't know. I'm American and don't even have health insurance because nearly half of my tax dollars are pissed away on useless shit by the government. If I need to go to the ER I'm fucked.

Ha. Did you just make that up on the spot or did you hear it on Rush Limbaugh or Fox News?

Thats fucking insane. Over $80K for pharmacy? I'm in Canada and the most I've ever payed for a prescription was $2. I've had my tonsils out when I was 10, appendix out when I was a baby and I've had to go to the emergency room for stitches 4 times in my life and the total bill for all of that was $0.
Fuck Burgerland. They're like a 3rd world country.

It’s great to be a Canadian today.

>forced meme
Its a fucking bot you retard

>payed shills getting payed
Stop responding to that faggot or hes just going to keep making that post in every thread from now on.

its ok to profit from health services

i have great insurance paid by my employer, deductible is $1,000/yr than 100% coverage

> America is retarded
A bunch of fatasses who worship a space zombie and let CEOs brainwash them because of muh freedums won't accept that universal health care is lightyears better and lightyears cheaper than our current for profit private insurance scam of a system.

Yep. Retarded.

Of course it is.

But $200,000 isn't 'profit', it's daylight robbery.

I mean, the root problem is the user-pays system. Insurance companies don't pay that much, so why should John Citizen?

Single provider healthcare and forcing insurance companies to take people who were already ill didn't help inflate prices. They can literally charge Whatever they want now because there is no other option.

you pay it by taking out a few loans i remember being 18 and having to pay a 750 bill because i had no insurance at the time.

LOL @ canadafags bashing US healthcare, I work for $13.25 an hour and I have the same healthcare our State Troopers have, my company gives great benefits, I have $80 in bills from 2 hospital visits last year. All of this whining and crying for people who aren't poor enough to get Medicaid/care but make enough to buy their own insurance through company/obamacare, but decide not to, then get fucked, it's called the price of personal responsibility, our healthcare system is expensive as fuck but also provides the best care and equipment medical in the fucking world, best doctors, bright minorities from all over the planet come to America to be a successful doctor, the best and brightest, poor leaf fags get their socialized rationing and death panels, sorry grandma you will be euthanized because you're getting kind of old and we need to save government health dollars for more salvageable people.

>nsurance companies don't pay that much, so why should John Citizen?

To cover the costs incurred when the uninsured use the system.

We can't have universal health care because it would cost too much. But we're OK with paying ludicrous amounts out f pocket in order to cover the costs of the uninsured.

Americans are fucking retarded. Single payer would be loads cheaper in the long run.

The 'but soshulism' mouthbreathing morons can make only one legitimate argument against it -- that taking away the insane profit motive would detract from the advances made because of that profit motive. That *may* be true, but do we really need a new pill for restless leg syndrome?

And the whole "but communism" argument is retarded too.

I mean, for starters, the very existence of a government is not pure-capitalism.
Patent law, copyright, the police, the army, fire brigades, building regulations... literally every single thing the government does acts to limit or influence market forces.

But 'universal healthcare' is suddenly too socialist?

America is the biggest welfare state on the planet. But for some reason, corporate welfare isn't seen as the anti-capitalist crock it is.

I'm not saying full-socialism is better, or even good. Just that capitalism doesn't really exist.

>my company gives great benefits
Yes, continue to be beholden to your capitalist overlord, dipshit.

>TFW arguing with an Americunt
>TFW Canadian
>TFW always brings up "YOU'RE TAXES ARE SUPER HIGH AND YOU GOTTA WAIT HOURS FOR STITCHES!"
>Doesn't realize that his taxes are 4% higher than mine in the state he lives in
>doesn't realize that Canada has a two tier healthcare system
>doesn't realize I can easily pay 800 bucks for an MRI to skip the long ass waiting que
>doesn't realize I can go to a specialist and pay 15 thousand for a surgery

Why do Americans defend they're fucked up system so much? I feel as if Americans are so "freedom" brainwashed until they get hit by a bill by the hospital realizing how fucked they are...

Basically if you fall from stairs you die, either cause you bankrupt or because you don't go to the hospital and get cancer. That is the reason you are all fat as fuck: you only use elevators!

>BRING BETTER SANITY TO USA! MAKE AMERICANS SLIM AGAIN!

Literally every other developed nation has managed it without that problem.

None of that is true

I'm not Canadian

I was paying $0 for insurance in 1999. By the end of the Bush administration I was paying $220 a month.

it's the cost of a low-trust society, the fact that 15% of the population are niggers and a good %50 more are other shades of brown, we can't have the wonderful socialist UK NHS system with its gigantic costs, I bet if the Uk had to shoulder their burden of the global defence that USA takes care of for them they wouldn't be able to afford to fix Achmehd's broken penis

Government subsidies drive up prices.

Same goes with college tuitions. As soon as the .gov gets involved prices fucking sky rocket.

I’m old enough to remember having insurance before major government involvement. Things were WAY better.

>Just that capitalism doesn't really exist
I'm a history professor. One of my favorite things to assign is Locke's stuff. I love the discussion of markets and whatnot. I almost always have some dumbass kid who asserts that a free market is the only thing that will ever work. My standard retort is to point out that unless they believe I should be able to sell cocaine to a three year old, they don't believe in a free market, just one regulated the way they see fit.

Usually shuts them up.

Same I haven't had health insurance since 2009 and I bike almost daily

REGULATIONS do that.

There are so many reasons, but government distortion of the market via paying whatever it costs for the procedure making prices go through the roof, and regulations like the cap on the % of profit an insurance company is legally allowed to make.

>Government distortion of the market

it's 100% true you retarded europoor/leaf faggot

Actually insurance companies do, because they are required by law to.
It's also why they will get out of paying it over the smallest detail.

The reason the costs are so high is specifically because they are inflated for insurance companies to pay and not individuals.

A combination of zero regulation and greedy corporate types have created this system.

>e global defence that USA takes care of for them they wouldn't be able to afford to fix Achmehd's broken penis

Well that's dumb.

>Muh world police meme

U.N and EU told you not to invade Iraq and Afghanistan yet you did anyway to kill some people still living in mud huts. On top of spending like 50 billion on a road that stretches like 100 miles?

>Yes, continue to be beholden to your capitalist overlord, dipshit.

I get to work in a factory 12 hours 4 days a week and bust my fucking ass so my company can take care of me and provide me with great benefits, sorry I'm not an unemployed liberal arts graduate with an Antifa flag and a rich dad who covers all my awful mistakes

>I bet if the Uk had to shoulder their burden of the global defence that USA takes care of for them they wouldn't be able to afford to fix Achmehd's broken penis
The UK doesn't waste a trillion dollars on a single fighter jet that doesn't work, either.
There might be room for savings in the US defence budget without significantly lowering output.

>I’m old enough to remember having insurance before major government involvement.
That's debatable at best. Insurance in the 70s and most of the 80s was strictly major medical. Doc visits and whatnot were out of your own check book. HMOs came around and sought to revolutionize the industry, make money, and lower their costs by focusing on primary care -- something that was often neglected since it was out of pocket. Competition in HMOs went nuts, shifted (sort of) to PPOs and then gov't employees started wanting that coverage. Since the gov't has to allow bidding for these services, they had to define the product. Hence, the regulation.

But yeah, it's all the govt's fault.

>teacher
>doesn't believe in the free market

no shit guy, if you had to compete on a free market you would probably lose your job, as most teachers would.

>I get to work in a factory 12 hours 4 days a week and bust my fucking ass so my company can take care of me and provide me with great benefits

"INHALES"

HAHAHAHAHAHHAHAHAHAHAHHAHAHAHAHAHHAHAHAHAHAHHAHAHAHAHAHHAHAHAHAHAHHAHAHAHAHAHHAHAHAHAHAHHAHAHAHAHAHHAHAHAHAHAHHAHAHAHAHAHHAHAHAHAHAHHAHAHAHAHAHHAHAHAHAHAHHAHAHAHAHAH

>Enjoy your back pain by
>enjoy your arthritis
>enjoy your breathing problems
>enjoy your joint pains
>enjoy being laid off the second the company smells a market crash

Amerimut mentality.

>so my company can take care of me and provide me with great benefits
Suck the capitalist cock so they will provide for you. Sounds pretty American.

Try to read it out loud. Look up words you don’t know in the dictionary. Just like third grade again :)

It's demonstratebly untrue.
Every other developed nation has done it, without declining innovation or unsustainable costs.

Australia, for example, is a leader in medical technologies, particularly prosthetics.

You know what IS stifling innovation? Patent law.
A company can make one pill, then sell it at a over inflated price for decades.

Eliminate patent law, and competitors can try to make that same pill cheaper or better.
The only way to remain robust is to innovate quickly, so you have a new product ready to go when all the other companies figure out your secret recipe.

Look at that Anthony Shrek guy. He ogre-played his hand, but didn't do anything every other business does as a matter of course.

>>doesn't realize I can easily pay 800 bucks for an MRI to skip the long ass waiting que
>doesn't realize I can go to a specialist and pay 15 thousand for a surgery

poor leaf fag.

>I have company benefits, I work for less than $15 an hour, in your case I would probably spend 20% of what you spent, without having to wait at all.

basically i'm arguing with a 13 year old edge lord

i bet you weigh well over 250lb

Did you not read that this dumbfucks taxes were higher than mine? FYI my company also gives me health benefits including paid sick days and 6 weeks off a year...

eh, idle hands, 6 weeks so you can sit on your ass eating fig newtons reading msnbc and buzzfeed articles, i get 2 weeks and like it

>it's the cost of a low-trust society, the fact that 15% of the population are niggers and a good %50 more are other shades of brown

Okay first up, the UK ain't some aryan paradise. They have blacks and browns in just as many shades as the US.

Secondly, that is irrelevant. Universal healthcare doesn't mean you pay for everything no matter what. Anything optional, or cosmetic, or whatever, is still seperate. You can deny non-life threatening treatments.

Thirdly, NHS is a mess. Don't use that as an example, use any of the functional ones - Australia, Canada, New Zealand, Sweden...

its bullshit.

congrats on being a gullible faggot

Nigger, no one gets insurance for $28 a month

He probably had some really shitty 'basic' cover that would have denied anything more costly than a box of tissues.

You know, the exact kind of useless scam insurance policies Obamacare was trying to fix.

Hint: You were paying $7 a week pre-obamacare because if you got cancer your insurance could say: Your treatment is to exspenisive, we're booting you off. After if you survived that you couldn't even get health insurance since your considered "high risk"

frenchfag here
If these things look expensive to you, you can always plan a journey in our country. our government will be glad to give you our public funds to cover your emergency cares.

>153 000
it's like twice of all my belongings including my apartment/

i get insurance for $0 a month. my state extends medicaid to poor people, and my official income is 0 (limit is i think 12k/yr)

With proper trials, development takes at least 5 years, most take 10+ years.
A copycat will have a factory up in 1 year, and the nessecary permits in 3-5 years.

So you can't outpace it.

You know one reason why antibiotics development has all but halted? yup medical development costs.

The really fucked up thing is healthcare providers here charge a fraction of that to insurance companies. So a procedure that would cost ~$1000 for someone without insurance would only cost ~$100 to the insurance company.

Most Americans want healthcare reform. But the "United we Stand" act allows corporate lobbyists to make "campaign donations" aka bribes without limit to lawmakers. So the pharmaceutical and health insurance industry pay to keep these ass backwards systems in place

Are you sure if doesn't have something to do with the limited number of chemicals and possible combinations that can kill bacteria without killing humans, and as the more common ones are discovered, it becomes harder to discover more?

I mean, it's not like pharmaceuticals are hurting for capital.

Well if the UK fags had rattlesnakes they'd be fucked so yeah!
Dying from a rattlesnake bite though kek you'd have to be a young kid or a elderly. But depends of what kinda rattlesnake.
Also not taking anti-vemon before going around places known to have them kek.

>Okay first up, the UK ain't some aryan paradise. They have blacks and browns in just as many shades as the US.

WRONG
do you even statistics, eurofag?
US whites at like 65%, ave in UK/EU is more like 90%+

being that retarded

>Nigger, no one gets insurance for $28 a month

I make $13.25 an hour at a shitty factory and I pay $52 a month for top tier healthcare, plus $60,000 in life insurance and vision/dental

>muh $2 prescription argument
Was your "prescription" a rare snake antivenom with a 3 day shelf life that was flown in from 600 miles away?

Hate to say it but that's pretty accurate. My grandma got cancer and died in 2002. When it was all said and done my grandpa was billed $75,000 for her medical expenses. He was retired and 67 at the time. He had to declare bankruptcy.

If you're broke in the USA you just try your best not to visit the doctor and hope for the best.

Crate national well funded free for all system beside to what you have now.

>assuming healthcare is a human right.

Fucking leaf has it all wrong.

Yes because people have anti-venom just chillin in their garage. kys.

This is basically why prices have gone up. Imagine if we have nation wide healthcare? The prices will go through the roof and no one will know and our taxes will keep going up.

jesus fucking chist

...

What state was he in?

>get married
>3 years later husband get diagnosed with stage 4 non-hodgkins
>2 year battle with cancer
>no insurance
>even with the"expiramental" trial cost absorption his medical bills climbed to $350k
>he dies
>bill gets sent
>collections tentatively calls me about setting up a "payment plan"
>"I wasn't aware I used any of your services."
>"well, your late husband's bills..."
>"oh. Well, like you just said, he's dead. What services are you trying to collect on that I personally required?"
>"..."
>"thought so. Have a good day."

Yup just filed bankruptcy because my shithead kid "attempted suicide" 45000 bucks worth of nothing they sued me and were going to garnish my wages. Fuck em

Itafag here

You may do this, if you love onion stink knocking on your door every single day

>Like how do you pay this back if you haven't got insurance?
Are you literally financially ruined if you fall down the stairs in america without insurance?
Yes

Canadafag here.. Pharmaceuticals arent covered fam.. Your benefits do that.. I have a prescription that costs 300 a bottle. I was on my own until my work benefits kicked in..

Just came back from hospital.

Surgery, 3 nights in hospital, medicines, 4 doctor visit and consultation with fysiotherapist...

All cost 280 euros.

Eat shit american faggots.

Welcome to finland

So YOU'RE that nigger...

What kind of retard isn’t insured? Lol.

And no insurances.

Pps. Eat shit muricah

AHAHHAHA

Italy here

Liver transplant when I was 18y old
Surgery, treatment, all payed well away from my city in the best transplant facility in Italy, an excellence in the EU rivaled only by french and jew medical facilities

Every package of my meds to prevent liver reject from my body costs 500€

€ spent: absolute 0

THIS is a state who cares for his citizen lives.
Let it sink in.

You see, there was this halfa-nigger in office who liked dick, and his goal was pocket a ton of money and make Americans pay for shit insurance that really didn't cover any real expenses, and inflated hospital bills. Don't vote for the halfa-nigger, eurofag

You could just declare bankruptcy, I don't imagine anyone pays those numbers.

And transfer all your personal money to a Schweiz bank account or something

Try 75% USA, 80-85% UK.

But sure, make up figures to support your wrong argument (or, use 2001 census data despite the fact that massive immigration to the UK had occurred over the last decade, and was one of the primary issues in the Brexit debate).