IDL why do they push medical credit cards when I see a doctor, instead of making treatment affordable?
I’m posting this with a toothache and a whole lot of frustration. I could blow a fuse any second.
My tooth hurt for days. Went to the dentist. Root canal plus crown. After insurance, almost a thousand out of pocket. I couldn't afford that much. I asked if I could do the root canal first and the crown later. She said yes. The root canal part was a hundred something, OK, I could pay that. I asked if I could wait until I have some money for the crown. She said sure, but no guarantee the tooth won't crack.
Alright, I did the root canal first. When I paid, the front desk handed me a flyer for a medical credit card. Pay over a few months, zero interest. "Zero interest, instant approval." I said no right away. Because I knew once I signed up, I'd risk getting trapped in debt. Dental care is already too expensive, and they use these financial products with hidden traps to fill the gap. The clinic gets paid. The credit card company bets you won't pay back on time. Patients think they got a good deal, but they just swapped one trap for another.
I don't like that. Not because I don't want to spend money on my health. It's that the people who designed this process never thought about lowering the cost of treatment itself. They only thought about how to make you borrow money.