I just spent four months in hospital in the UK. How screwed (financially) would I be in the US?
I spent half that time in Critical Care (much of that on a ventilator, a small amount sedated), and most of the rest in a specialist neuro-rehab unit. I would have died otherwise.
Fortunately it cost me nothing - Thank Bevan for the NHS - but if I were in the US I imagine I would be financially crippled!
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I spent six weeks in the hospital in the US, and my bill (before insurance) was over $400k.
But surely your out of pocket maximum was much less. The "before insurance" numbers are a fiction to make your insurance company look like they're doing more for you. They don't pay the hospital anything like that amount, and if you had no insurance, you could negotiate a lower amount from the hospital as well, since they'd rather get something over time than have you go bankrupt on them.
Oh I know they're bullshit.
Still would've been left with a crippling amount of debt for something I had no control over if not for insurance, no matter what the actual number would've been.
I don't have to tell you "that's what the insurance companies want you to think so you'll forget about the option of free healthcare for all" because here we both are.
certainly, but I live in the US, so that's automatically socialism and you're automatically commie scum for suggesting it.
sorry, thems the rules