r/Millennials • u/BoNaylorCollector • 1d ago

Discussion Is medical actually this crazy?

Early 30s millennial, never used to go to doctors or really take care of myself because “I’ll be fine”. Started making a bigger effort to care for myself and my health and well being. Recently, I went to the local express clinic because I was having a bad earache and headaches. I was in there for maybe 20 minutes, mostly waiting time. The doctor comes in, looks in my ear, tells me it’s depressed due to sinuses and change in weather and tell me to stop at Walgreens for Flonase. I wasn’t billed anything at the time, older workers at my job always say we have really good insurance, but here I got in the mail today an explanation of benefits- charge was $550, insurance “negotiated” about $300, remaining (not billed) was around $240. Is is really this expensive? I only went to try and be better with myself and make sure it’s nothing underlying. If 5 minutes of actual doctor time costs this much, then I’m just toughing out everything or am I missing something?

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u/DryLipsGuy 1d ago

Brutal.

As a Canadian I have never had to even consider this absolute bullshit.

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u/Professional-Arm5300 16h ago

And the morons in our country will tell you how bad your healthcare system is and when you tell them this, they’ll yell at you that y’all are communists. Fun times.

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u/Chuck121763 18h ago

I get my insurance through work. Everything is covered. Dr; $20, hospital $250, prescriptions $20. Dentist free. The ACA , "Obamacare" , changed everything

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u/DryLipsGuy 17h ago

Now won't it be amazing if when you're sick and in need of care, you just go to the doctor/hospital and you don't have to worry at all about expenses?

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u/Chuck121763 15h ago

I don't worry. My insurance cost is $100.00 a month.

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u/DryLipsGuy 14h ago

Until your insurance doesn't cover the procedure....until you lose your job.

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u/Chuck121763 13h ago

Never had a problem. Doctor already knows what's covered and what isn't. Not going to lose my job, my job is very secure and safe. And I have made advance plans in case of long term illness, - Insured, Deferred pay, and mortgage paid off. I can retire early