[phyller]

The hospital bills a million dollars, the health insurance says, no we'll pay you $125,000. That's it. I don't know enough to understand how this situation came about, but the bill the hospital provides is often 2x to 10x the reasonable cost and the insurance company only pays the reasonable cost. And has sort of negotiated this beforehand with the hospital. This is the situation that truly ends up screwing people without insurance, because their only negotiating power is that they literally do not have enough money to pay.

[marvin]

This is really screwed up. "Everything is worth what its purchaser will pay for it" is deeply immoral when applied to life and limb. I can hardly understand how a democratic society can accept a system like this.

I mean, can you even imagine other areas of life where every person you purchase from attempts to screw you over by demanding 2x-10x of the reasonable fee unless you had the information to be aware of it? It would be impossible, because everyone would just take their business somewhere else.

But you can't exactly say "oh, I'm not willing to pay my life savings for this, I'll just take this 3 months prematurely born baby to the shop across the street, or maybe get it done in six months time instead, when it's more convenient.".

[phyller]

It's even worse because neither you nor the people treating you actually know how much cost you are incurring. You find out a few weeks later when you get the bill. Imagine if anything else worked like that?