American insurance fears
In America, we people are afraid one medical emergency landing us in financial ruin. However, as I consider the deductible and out of pocket maximum, a patient can rely on insurance to pay all afterwards right? For example—deductible of $3000. Max out of pocket is $7000. Let’s say I had $10k cash saved, heck even $20k Aren’t I save from the hypothetical financial ruin that may happen from medical emergency? My real question what are stories/ how this does not in fact hold up and you pay beyond your OOP and into financial nightmare/obliteration of savings. Obvious things I’m thinking are services outside “coverage”, pharma drugs being separate.
PS: hate health insurance lms if u agree. Oh and tips in general? Ex: just let it goto collections? Does that really work? What if my doctor doesn’t wanna see me next time since I’m carrying a balance LOL