Hacker News new | ask | show | jobs
by pasbesoin 2731 days ago
Perhaps no longer surprising, but of note especially to people in other countries, with regard to health care in the U.S.

People are frankly -- and justifiably -- scared of going to the emergency room. To the point of declining transport from the scene of an accident or other medical event, etc.

They actively ask people not to call an ambulance.

It's not necessarily that they fear the doctor or the treatment. They fear the bill.

And yes, often enough these are people with insurance.

A couple of years ago, I faced bills north of three grand, because someone called the paramedics when I didn't need them. I'd purchased the best insurance plan available to me, that year, and I was told at the time that service should be covered. Nope: Insurance failed to pick up the majority of it.

Fortunately, I could afford to cover the expense. And the paramedics -- part of the local fire department rather than privately owned -- forgave the balance of their charges when they learned that insurance had crapped out on all but a couple of hundred. (It cost, at that time, about a grand just to "roll the bus", with surcharges added to that for actual service and transport.)

That last was another reminder that public, non-profit safety can be a lot kinder than private, for-profit.

2 comments

Somebody hit me at a red light a few years ago and the firefighters suggested I take their ambulance to the hospital. I was really scared that this would turn into a huge bill and almost declined but wasn't in good enough shape to go home so I went but was stressed for days. In Germany I would just have hopped on without worry.

At a minimum the US needs regulation so people can go through most medical situations and know what they are getting into financially.

If the at-fault party to your accident had auto insurance or you had uninsured or underinsured coverage, you should have felt no compunction at riding the ambulance. Auto insurance would have covered your damaged vehicle and your health care costs after which your lawyer would be able to demand from the at-fault party's insurer a cash settlement for the identical costs already paid to the hospital, EMTs, et cetera (essentially paying out twice). Your attorney would take 30 percent and you would deposit a check for the remainder. U.S. health insurance doesn't have the monopoly on insanity.
People are frankly -- and justifiably -- scared of going to the emergency room

This is an important point. Americans are being trained to avoid the physician, even if they might be better off with medical care. You wonder how many life-years are lost because someone with a potentially serious condition declines treatment. As the population ages, the problem will only get worse.

I don't know why this has been downvoted. It is exactly the case. Maybe not for you and your neighbors, if you live in a well-to-do area (although, you might be surprised at what is happening behind some of the facades).

But, try "crossing the tracks."

No need to look across the railroad tracks. In this thread right here there are people who declined transportation to the hospital because of price concerns!