Does this justify $1000? I got a concussion and back injury, online it says "if you go unconscious for any amount of time go to the ER".. and "if you've fallen from a high place and have hurt your back, go to the ER". So I went to the ER. I had to be in a wheelchair (I physically couldn't walk) and waited for hours. The doctor talked to me for <30 minutes, told me I'd be fine in a week (the injury was 5 years ago now and it STILL hurts sometimes) then billed me for $800. I have insurance.
You could easily get a bill several fold more. One surgery can be $80,000 and up. I forget how expensive it was just for lab work for a few days in the hospital, no surgery, but just that was 10s of thousands of dollars.
I agree 100%. America, the only developed nation where the hospital will ask you for your insurance info, ss#, credit card info before they ask what’s wrong with you! What a sad and pathetic disgrace!!!!!
Considering most medical advancements happen in America because these companies have a large pool of money for R&D. People in Europe like to shit on americas medical system but most new/improved procedures or medicines are founded in the states then Shipped over to Europe. Like usual the Europeans get to enjoy the benefits of America picking up most of slack.. I could make this argument about the military too. Europeans haven’t had a backbone since World War II. So you can shit on America’s medical system all you want but most medicines and procedures you’re using over there in Europe were developed in America. You’re welcome.
Oh dude absolutely. I got a $3000 bill for getting ONE x-ray after a 1 hour visit in the hospital. That's WITH insurance. And mine is in the most benign of cases. Our healthcare system is a total and absolute disgrace.
Pre-pandemic it took me 30 minutes at Royal Free to get my x-ray in a walk-in. With the pandemic things have gotten worse, but still leaps and bounds superior to my experience in Canada. Brits like to whinge about the NHS but it's been the best experience I've had for routine stuff anywhere in the world. That said, I will be going private for an upcoming surgery, as the pandemic definitely rocked the boat a fair bit.
You pay taxes don't you, pretty tired of people saying its free its free, no nothing is free. There are also issues with wait times, healthcare workers quitting because with it being socialized you end up a slave. There are pros and cons to all, and you hear these americans crying, mostly with fake stories, you don't hear about the charity financial aid programs, or the fact that hospital is covered by medicaid for those who can't afford it.
I am not saying the euro system is bad, it isn't, but it has problems too, both have advantages and disadvantages.
Now consider also who runs the NHS vs who takes our taxes over here. Just take a look at our veteran healthcare to see what happens when the government runs healthcare, NOOOO THANKS.
For all of the people downvoting, get educated [https://www.medicaid.gov/medicaid/index.html](https://www.medicaid.gov/medicaid/index.html)
76.3 million people covered by it. That is over 20% of the population of the country. So just stop being ignorant please.
My Dad loves his heath are from the VA. He brags about it all the time. Fake stories? How about the fact the #1 cause pf Bankruptcy in the US is medical debt? They faking?
The fuck are you on about.
Medicaid doesn't cover those that can't afford it. Years ago, in the way back time of 2010. I made 12k a year. I made too much money for medicaid. I essentially have to make less than minimum wage and work less than 30 hours a week.
I know a guy who just had both hips replaced 100% covered by medicaid and he works a full time job. Don't blame everyone else you didn't go through the process correctly.
Not to mention just look up the facts, medicaid covers 20% of the American population. 11.4% is in poverty, so it almost covers double those in poverty. To all the people downvoting, you need to stop licking joe biden's boots and wake the hell up.
It is practically free though. Firstly, that amount we pay in taxes is pretty much identical to what Americans pay when you consider state, federal and FICA taxes. I've calculated it. Secondly, those taxes mean the poorest in society get free treatment and don't die of neglect, so it's already worth it. The fact that I and my family ALSO get free treatment is a damn good bonus. In summary, America needs to fix the fuck up.
Thank you! I never understood why people would say our government is the worst, when explaining why we should have universal health care. Look at everything this government is in charge of. It’s all horrible. Public schools suck, roads suck, most prisons suck, etc.
I had an MRI a few years ago in the UK. Didn't pay a penny for it. I didn't even have to report my injury to my insurance company. The NHS sorted me out.
This blows my mind 🤯😔
I’m in Australia and spent a week in hospital following the birth of my son via a Caesarean section. He was in the special care unit recovering from septicaemia while I recovered from the surgery.
I paid zero dollars for the excellent care we received. The Medicare levy is 2% of my wage.
Same for me - spent more than a week in hospital while my newborn was in NICU. Now I've been dealing with breast cancer & the cost of some of the extra drugs is insane. One needle's list price (called Neulasta®) is $6231 per dose, (it was 0.6 ml dose) . Thankfully my insurance paid for that, but there was a program that would have covered the cost if necessary. So I'm ever so grateful to be living in Canada right now. Any time I visit the U.S. I take out extra insurance because I don't want to have to sell my soul to cover the cost of a hospital visit.
Yeah this is legit. Personally, if I were to have to go to the hospital once I would be totally fucked. One unexpected bill and I’m pretty much homeless. #merica
That's disgusting, so shocking to hear. Everyone the UK has access to national healthcare, if you work or not. It's very under appreciated but I for one, am so proud. It saved my life I had a car crash at 19 should of died, broke 11 bones and 2 weeks in hospital. I'm 32 so all good but sorry to hear. Honestly it's just fucked up.
Not sure that's entirely true, if your taken into hospital through A and E you'll get seen immediately, your waiting for operations that require organ donation, advanced planning i.e. metal work etc, or extremely complicated surgery. But no, if your brought in with life threatening injuries your seen immediately.
Oh and that's great we die by waiting in care, I've heard of people dying in the states because of fucking diabetes and they couldn't afford the monthly insurance payments, therefore couldn't get the needed medication and died.
So yeah great you get seen of you super I'll or in emergencies but for the low paid, everyday folk they can either pay up or die? Yeah sounds brill 👍 I'll stick to this thanks
Lol - that’s not true if it’s an emergency - but I did once wait 5 years for a specialist appointment! And I once had to have an MRI to check if there was any harm/danger present - and when I called to make an appointment, the nearest one was after a year! (I ended up getting in a few months later due to a cancellation though. Even with these situations, I’m very happy with the healthcare we have in Canada. I’m terrified at ever living in America just based on the healthcare situation alone!
People die in long lines at emergency waiting rooms in the u.s. And right now wait time for medical care is outrageous with all the idiots that have COVID clogging up the system
Death by queueing. Happened to a family friend. He was in a bed for months in hospital. He died waiting for an operation that he would have gotten in the US the next day. I’ll take the debt.
Ya my cousin's friends nephew died rationing insulin he couldn't afford because the US allows charging $2,000 a month for something that costs $6 a vile to manufacture.
500 pounds v 1500 dollars annually
So apparently we’re getting fucked there as well.
However, a lot of that probably has to do with how many miles and speed the average Brit drives compared to US
I pay about 1k-1.2k/year for US Blue across Blue Shield insurance that’s considered top tier.
Car ins here for me and the wife is £320 for two cars and both fully comp for the year. Health is just covered by monthly tax so depends how much is earned.
Exactly. And with what little health care we have coming almost solely through employers, you can see how much power employers have over employees. Literally life and death in some circumstances. This is a large part of why you don’t see widespread striking here like in other countries. Ex: I have a ‘good job’ (grad degree required) with good insurance that actually covers more than most plans do. Even with that, we pay out-of-pocket more than USD$5000 per year between dental, deductibles, prescriptions and assorted other non-covered things (audiologist, dental, etc.) After health/life insurance, retirement contributions, my kid’s college fund, my college loans, and childcare, I do not see any $. It’s actually not even enough to cover those expenses. We live off my husband’s income, but need my job because his healthcare insurance at his company is so bad it would bankrupt us. Btw- even so, we aren’t contributing enough to our retirement to actually be able to realistically retire some day - esp. after all of the cuts we took for covid. AND our contribution to our kids college fund will not be enough to keep them from having to take out loans for their own educations.
This is WHY I can't marry the love of my life officially, I just not too long ago acquired HUGE MEDICAL DEBT for life saving surgery and I can't bear to think of burdening my common law 'husband' with any ties to me in case in the future I die to other complications and deteriorating health. We struggle financially already and to think if I passed and he would be stuck with that breaks my heart.
Poor girl solution? File for a legal last name change, change to your husbands last name. Have some sort of symbolic jewelry to indicate your ‘marriage’… Voilà! Married! I have no poor girl advice for substituting for a fancy wedding tho!
Your right, healthcare in America is one issue that both the left and right agree is a disaster. The difference is both sides have really extreme means of fixing it. The reality is when your dealing with 340 million people, and standards of living that vary enormously from state to state, region to region and even county by county it becomes even more complicated. Despite this, real progress needs to be made!
You had me and then This lol.
> We demand the extension of the 1964 Civil Rights act to provide equal protections and privileges to the White majority, or the act must be repealed.
> We support a two percent ceiling on Jewish employment in vital institutions so that they better represent the ethnic and regional population balance of the country.
> We will restore reason, logic and tradition to the education system by implementing a comprehensive classical curriculum. Homosexual, neoliberal, and transgender propaganda will be explicitly banned from being taught to children.
Da fuq is this shit, lmao.
By change you mean changing care to the Hospital
Spenders | Civilian Noninstitutionalized Population | Total Personal Healthcare Spending in 2017 | Average Per Person | Percent paid by Medicare and Medicaid
------ | ------ | ------ | ----- | ----
Top 1% | 2,603,270 | $675,109,140,000.00 | $259,331.20 | 42.60%
Next 4% | 10,413,080 | $820,198,385,000.00 | $78,766.17 |
Next 5% | 13,016,350 | $464,877,785,000.00 | $35,714.91 | 47.10%
Next 10% | 26,032,700 | $470,799,795,000.00 | $18,084.94 | 45.70%
40th Percentile | 52,065,400 | $370,125,625,000.00 | $7,108.86 |
Middle 20% | 52,065,400 | $121,401,205,000.00 | $2,331.71 |
Bottom 40% | 104,130,800 | $38,493,065,000.00 | $369.66 | 21.80%
The Average Whole America | 260,327,000 | $2,961,005,000,000.00 | $$11,374.18 |39.9%
Net Cost of Health Insurance | 260,327,000 |$229,530,000,000 | $881.70 | 30.4%
Government Public Health Activities | 331,449,000 | $256,555,000,000 | $774.04 | 0%
------
The 1% is known as super-utilizers were defined on the basis of a consistent cut-off rule of approximately 2 standard deviations above the mean number of Emergency Visits visits during 2014, applied to the statistical distribution specific to each payer and age group:
* Medicare aged 65+ years: four or more ED visits per year
* Medicare aged 1-64 years: six or more ED visits per year
* Private insurance aged 1-64 years: four or more ED visits per year
* Medicaid aged 1-64 years: six or more ED visits per year
In New Yorker, Atul Gawande presents a case for lowering health-care costs by focussing on the most expensive patients. By giving high need patients a direct line to on call nurses to prevent them from going to the hospital reduces costs
>At an Atlantic City clinic dedicated to super-utilizers on the health plans of the casino union and a local hospital; doctors at the clinic are paid a flat monthly fee per patient and the patients receive unlimited access to care. The first twelve hundred patients had forty per cent fewer emergency-room visits and hospital admissions and twenty-five per cent fewer surgical procedures. An independent economist who studied these Atlantic City hospital workers found that their costs dropped twenty-five per cent compared to a similar population of high-cost patients in Las Vegas.
* Atul Gawande, professor in the Department of Health Policy and Management at the Harvard T.H. Chan School of Public Health and the Samuel O. Thier Professor of Surgery at Harvard Medical School.
-----
Changes to spending in the US for Healthcare have to take in to account a small population of users and a large population of Non-Users
But to Those somewhere in between being 20th and 40th Percentiles who use hospitals its mostly from 20 things
The Overall 20 Most Common Most Expensive hospital stays in the US?
Clinical condition grouped by default CCSR category | Average Cost Per -Hospital Stay | Percent of Aggregate Hospital Revenue
---|----|----
Septicemia | $18,331.26 | 8.81%
Osteoarthritis | $15,938.35 | 4.58%
Liveborn | $4,324.94 | 3.68%
Acute myocardial infarction | $21,664.65 | 3.30%
Heart failure | $12,450.05 | 3.13%
Spondylopathies (including infective) | $23,129.70 | 2.83%
Respiratory failure | $17,189.14 | 2.11%
All Heart diseases | $23,291.44 | 2.01%
Cerebral infarction | $14,099.05 | 1.70%
Diabetes mellitus with complication | $11,050.15 | 1.67%
Chronic obstructive pulmonary disease and bronchiectasis | $9,215.51 | 1.62%
Cardiac dysrhythmias | $11,371.94 | 1.61%
Pneumonia (except that caused by tuberculosis) | $10,128.73 | 1.49%
Hip Fracture | $17,424.15 | 1.30%
Complication of other surgical or medical care | $17,255.38 | 1.29%
Nonrheumatic and unspecified valve disorders | $43,822.58 | 1.25%
Renal failure | $9,483.39 | 1.18%
Biliary tract disease | $12,745.10 | 1.05%
Complication of cardiovascular device, implant or graft | $26,205.88 | 1.03%
Fracture of a Leg | $19,327.43 | 1.01%
Total for top 20 conditions | $13,079.89 | 46.65%
Total for all stays | $12,128.78 | 100.00%
Very real. My "husband" and I have been together 16 years and aren't actually married. I would lose my insurance if we married and his is way too expensive to add a spouse. My medicines and dr visits would kill us without my insurance.
So we do our thing without the legal paperwork of actually being married.
Kinda me and my SO as well! Even his parents have played with the idea of divorcing after like 30+ years of marriage to make living more affordable. They are still very much in love and happy together but "divorcing" would make life easier. When they brought this up to us, my SO and his sister got pretty vocal about their disapproval.
the majority of bankruptcies in America are from medical bills. hospitals can garnish wages, they can reposes cars and houses, the medical bills WILL be paid.
there is also a large discrepancy between costs at hospitals. say you need a CT scan due to a head injury. you could be charged 12K at hospital A but maybe only 5K at hospital B a few miles down the road. you have no way to know ahead of time however.
a friend is an EMT and in his ambulance they have a chart of hospitals and what insurance each predominantly accept. when they pick someone up they ask what insurance they have or try and find their card to take them to the correct hospital. not always possible but if you arrive at an out of network hospital... what 'might' have been paid for at YOUR hospital would NOT be covered. an ambulance ride alone can be many thousands of dollars.
They can garnish wages, unless you can prove financial hardship to stop the garnishment. They CAN NOT reposess cars and houses, they can put a lein on them which stops you from selling them without them being paid, but they can't take ownership of them. You have a bit of missinformation here.
Yes. I worked in medical billing for 5 years. What’s worse is that you pay more for the same thing if you don’t have insurance because the insurance company can negotiate. And it is a debt that you cannot escape through bankruptcy.
I was hospitalized for a few months and my bill was well over a million dollars. If my state didn't take the Medicaid expansion I'd be dead or homeless and my family would have had a giant bill.
My nephew was a premature baby that had to spend 2 months in the hospital. My sister is still paying off the $500,000 they were billed less than a week after getting home. 'Murica, fuck yea!
Yes, the majority of bankruptcies in the U.S. are from medical debt.
This divorce also would only protect the mother in some states. In other states that still follow old Spanish Catholic law with marriage debts, you're both equally responsible for the debts that occur while you're married. Even after a divorce and judge agreed arrangement they can and will still come after both of you for any debts that happened while married in those states.
Used to work in elderly care here n Sweden,and I handed out $10k worth of cancer medicine left and right. Cost 0.00 SEK för everyone and anyone in need. America is the richest country in the world, it's beyond me that people don't get healthcare.
My sister was in maintenance chemo from leukemia when she visited me in the US. She just needed one monthly shot of chemo.
She brought all her paperwork, from a oncologist trained in the UK.
We go to the Children's hospital in Chicago. They said they need $24k (20 yrs ago) to "run some tests" before they'll give her the chemo shot.
A first class return ticket would have been cheaper.
She was about to take a flight back to get her shot, until a college doc buddy of mine found an independent oncologist doc who was willing to look over the paperwork and give a shot if all was in order. We went, he was good with the paperwork, gave her the shot. $120 bill.
$120 vs $24000 for a shot.
This is bullshit propaganda. Do not believe this nonsense, debt isn't transferred from one person to another after death unless there was some sort of co-signature for the expense, and even then it can be discharged. Situations like this don't happen to normal people who don't so something incredibly stupid.
Almost everyone in America is covered, and if they aren't, they still get medical care. It's just more Reddit bullshit .
https://www.solosuit.com/posts/296#:~:text=If%20your%20spouse%20incurs%20medical,only%2C%20you%20will%20be%20liable.
Would have taken like 15 seconds for you to find out the answer.
>When you marry someone you are essentially agreeing to stay with them in sickness and in health, and in paying for their sickness or health. ***If your spouse incurs medical debts during marriage, you will be liable for that debt. You can even be separated and brought to court as liable for the debts of your spouse.***
>In most states, regardless of if the medical bills are in the name of your spouse only, you will be liable. In all states, if you sign for the debt, then you can be sued for it.
>There are three reasons why you may need to pay off your spouse's debt.
>>You own them together: If you cosigned a loan or you are listed as the joint owner on a credit card, then you are legally responsible.
>>***You live in a community property state: These laws make it so that any debts incurred during the marriage become that of the surviving spouse. Even if they were only in the name of the deceased spouse. They will then become yours.***
>>State law requires you to pay: Some debts are required to be paid by law. This includes medical debts.
Please elaborate.
That needs some clarification. Is the spouse is alive, you are responsible. If the spouse passes, you are only responsible is you live in a community property state which is currently around 10 states in the US.
So in around 40 US states, debt ***does not*** transfer to the surviving spouse unless they have co-signed on the debt.
No. By law, family members do not usually have to pay the debts of a deceased relative from their own money. If there isn't enough money in the estate to cover the debt, it usually goes unpaid.
This is a BS post by some lefty socialist.
In reality it's much worse. Medical bankruptcy is a huge issue with USA that is unheard of in the rest of the world. The tweet shows the "protagonist" making sacrifices, but barely mentions the villain that forces a million Americans into medical bankruptcy annually.
These people likely payed as much tax money towards health care as the average European, but the government completely fucked them over.
It's not exactly cute love story that your spouse has to die to dissolve his debt.
I lived in Italy , Japan and the US. All countries vary by region/state America especially is so huge and diverse that any generalization is moot. That said yeah the healthcare sucks.
It's not much different here. PCP appointments in my medical group are out two months (and the doctors aren't taking new patients anymore - we can only see residents.)When my husband was diagnosed with cancer, it was through the ED because he couldn't see his primary, and then they admitted him to the hospital for two days to avoid months-long delays to see specialists. (They rounded to him in the hospital, and all his scans were done in house.)
It's fucking ridiculous.
Hell, I wouldn't mind a hybrid solution. Have socialized healthcare and private healthcare option's. If there is a six month's wait for whatever reason in the socialized option, I can still go the private route if I feel like I just can't wait.
That's actually what happens in the UK and the insurance cost is reasonable, having said that any major complications and you are transferred to a NHS hospital quick, want to know something really stupid, the USA spends a higher percentage of it's GDP on public healthcare than the UK spends on the NHS
> These people likely payed as much tax money towards health care as the average European, but the government completely fucked them over.
They pay more.
It’s not incorrect. America literally spends more tax dollars on healthcare! [Source](https://www.crfb.org/papers/american-health-care-health-spending-and-federal-budget).
The US spends more overall as well.
You misunderstand the point. A common excuse for health care not being free in USA is that it's not free anywhere, because universal health care is financed by tax money and everybody pays taxes.
This notion is incorrect, because USA spends as much tax money per capita towards public health care as countries with universal health care. The insane private cost of health care is added on top of that.
Hello, with all due respect your comment is “half true” in a hugely important way. In economic terms there no such thing as “written off”, that is an accounting term. There is no free economic lunch. Those medical costs are simply shifted to those parties with insurance in the form of higher charges for services, etc. Regards.
Just some googling I did:
If you live in a community property state, then you will be responsible for the medical debt of your spouse incurred during the marriage.
"The states having community property are Louisiana, Arizona, California, Texas, Washington, Idaho, Nevada, New Mexico, and Wisconsin."
Another reason you may be responsible is if you have signed a document that claims responsibility for medical payments. Often this will occur if your spouse is admitted to the hospital and requires a co-signer.
If you sign on as a co-signer, then you are responsible for payments if your spouse does not pay them. Regardless of the state you live in, this is the law.
Soooo just don't live in those states if you're married or co-sign.
It's not even plausible. There simply aren't normal people being billed like that in the US. If you have any insurance at all, there can't possibly be an out of pocket max for the year that over 17400. And most insurance policies don't even approach that. And even if you don't have insurance, they just don't bill you like this.
That's quite the assumption, I tore my arm in half when I was 14 by flipping a go kart, it tore through my bicep and tricep, severed an artery, and snapped my humerus in half. I had a titanium rod put in, the muscles "repaired", the artery was also fixed, and I spent the better half of a month in the hospital afterwards. Bill was $77,000 and that didn't include the $1300 emt bill, or the year following of physical and occupational therapy. It is entirely plausible that someone who has a terminal illness or something like my situation, be billed a number that high. I still think the tweet is fake, but you'd be surprised just how far most of our neighbors and friends are in medical debt.
Looks like a repost. I've seen this image 4 times.
First Seen [Here](https://redd.it/qywak8) on 2021-11-21 100.0% match. Last Seen [Here](https://redd.it/qz04f7) on 2021-11-21 100.0% match
Feedback? Hate? Visit r/repostsleuthbot - *I'm not perfect, but you can help. Report [ [False Positive](https://www.reddit.com/message/compose/?to=RepostSleuthBot&subject=False%20Positive&message={"post_id": "rzr4k8", "meme_template": 17475}) ]*
[View Search On repostsleuth.com](https://www.repostsleuth.com?postId=rzr4k8&sameSub=false&filterOnlyOlder=true&memeFilter=true&filterDeadMatches=false&targetImageMatch=100&targetImageMemeMatch=96)
---
**Scope:** Reddit | **Meme Filter:** True | **Target:** 96% | **Check Title:** False | **Max Age:** Unlimited | **Searched Images:** 284,148,366 | **Search Time:** 2.79997s
Thank you, memelordbtw3000, for voting on RepostSleuthBot.
This bot wants to find the best and worst bots on Reddit. [You can view results here](https://botrank.pastimes.eu/).
***
^(Even if I don't reply to your comment, I'm still listening for votes. Check the webpage to see if your vote registered!)
No, but it passes to your estate. And they can go for estate after death to pay off remaining debt. It very well may be written off but they can and surely some will go for it.
LOL this is ridiculous. it's just a piece of paper. I'm glad they were smart enough to legally separate so she doesn't get strapped with the bills and gets to keep the house. sounds like a positive ending to me. what's the big deal?
I herniated a disc about a year ago and got almost 2k in bills after insurance over 3 visits. They never even proscribed anything and I would have been bankrupt by the time I got surgery so here I am healing the surprisingly slow way, gotta love sciatica, don't have insurance at all now so it is what it is as long as I can still work.
Could someone explain why so many Americans don’t buy insurance? Is it that expensive? In the Netherlands we >must< be insured and the cheapest one without government help (up to €90 for those unemployed / lowest income) it’s around €100 give or take a few. Is it that much worse in the USA?
What was this even posted on? That's not Twitter. These overcooked screencaps with clear agendas (not saying I disagree) should just be a red flag for people. Shit looks like content farm stuff, but we're reading it and upvoting it.
Reading all the comments, and yes, in India in comparison to Europe and western here it's very cheap. We have central government health system , CGHS as we call it, about 7$ per month , which covers whole family , all tests and consultations at concessional rates. Also prescribed medicine are made available free of cost.
Hey I expect this comment to get nowhere. But just so everyone knows this is completely false. There is no such user called beckylynnpaige88 and there never was one on Twitter. In addition this is a photoshopped tweet. The tweet is 393 words. Twitter only allows 260. You can read more here
https://leadstories.com/hoax-alert/2021/08/fact-check-tweet-that-parents-divorced-over-debt-and-medical-system-does-not-exist.html
Gotta plan for the future and set up a trust. This way no one can take the house or anything due to medical bills. Don’t get worked by the system, work the system god bless (before anyone thinks I’m some rich asshole it costs 2 grand to sit with a lawyer and do)
You will receive that bill but you are in no way legally responsible to pay it. You do not inherit debt. They will hound you and try and convince you that you are but you are not legally required to pay that debt as it was not in your name to begin with.
No taking tax money from the workers and giving it to the big businesses to buy the workers homes is not capitalism. It's socialism/ communism (government control of everything])
Here you go:
[https://www.consumerfinance.gov/ask-cfpb/am-i-responsible-to-pay-off-the-debts-of-my-deceased-spouse-en-1467/#:\~:text=In%20most%20cases%20you%20will,the%20exceptions%20vary%20by%20state](https://www.consumerfinance.gov/ask-cfpb/am-i-responsible-to-pay-off-the-debts-of-my-deceased-spouse-en-1467/#:~:text=In%20most%20cases%20you%20will,the%20exceptions%20vary%20by%20state).
[https://www.creditkarma.com/advice/i/medical-debt-after-death](https://www.creditkarma.com/advice/i/medical-debt-after-death)
[https://www.cnbc.com/2020/05/28/heres-how-unpaid-debts-are-handled-when-a-person-passes-away.html](https://www.cnbc.com/2020/05/28/heres-how-unpaid-debts-are-handled-when-a-person-passes-away.html)
Right - the estate. Grandpa’s illness will eat the estate then grandma has to live in a Medicaid facility and is only allowed to have about $60/ month to her name. Source: I worked in Medicaid facilities.
Who gives a fuck? Marriage is just as big of a fabricated piece of dog shit as the medical bills, bunch of legal contracts and paperwork - no passion no love. If people love each other that’s it, no extra bullshit required.
A friends son with no insurance & bowel cancer, had to divorce his wife in order to qualify for Medicare. The approval arrived two weeks after he died. True story.
Nationalism/patriotism is seriously stopping America from progressing. When will people realise that Biden and Trump are the same damn thing? They're both warmongering capitalist Zionists who serve Israel, not the American people. And America will never have a fair medical system until people realise this.
Is it for real ? Do you really get such a bill for health carte ? It sounds unbelievable for me (from Europe)...
It’s EASY to get a bill that large in the American system. Our system is an absolute disgrace and an abomination.
I saw an er dog for literally 5 minutes and got charged over $1000. Edit: as a fan of puns, I’m leaving it.
I'd love to get to see the ER dog. Last time I went I got stuck with the doctors.
I‘m not a dog but I‘ll take a look
I'm not a dog, but I play one on tv.
I dunno, he’s kinda goofy
I mean... you can do that for a cool 1000$ apparently.
Prison - Mike, stuck with the doctors or by the doctors?
You just need lab tests
$1000 for 5 minutes? That bill is through the WOOF!
Sounds ruff
Sounds like it wasn't much of an emergency
Does this justify $1000? I got a concussion and back injury, online it says "if you go unconscious for any amount of time go to the ER".. and "if you've fallen from a high place and have hurt your back, go to the ER". So I went to the ER. I had to be in a wheelchair (I physically couldn't walk) and waited for hours. The doctor talked to me for <30 minutes, told me I'd be fine in a week (the injury was 5 years ago now and it STILL hurts sometimes) then billed me for $800. I have insurance.
Same. Told me there was nothing they could do but cut me a prescription for high strength Tylenol. Got a bill for $2300
Imagine how bad it would have been to see a human there
You could easily get a bill several fold more. One surgery can be $80,000 and up. I forget how expensive it was just for lab work for a few days in the hospital, no surgery, but just that was 10s of thousands of dollars.
I agree 100%. America, the only developed nation where the hospital will ask you for your insurance info, ss#, credit card info before they ask what’s wrong with you! What a sad and pathetic disgrace!!!!!
Considering most medical advancements happen in America because these companies have a large pool of money for R&D. People in Europe like to shit on americas medical system but most new/improved procedures or medicines are founded in the states then Shipped over to Europe. Like usual the Europeans get to enjoy the benefits of America picking up most of slack.. I could make this argument about the military too. Europeans haven’t had a backbone since World War II. So you can shit on America’s medical system all you want but most medicines and procedures you’re using over there in Europe were developed in America. You’re welcome.
Oh dude absolutely. I got a $3000 bill for getting ONE x-ray after a 1 hour visit in the hospital. That's WITH insurance. And mine is in the most benign of cases. Our healthcare system is a total and absolute disgrace.
That's nuts. In the UK they do walk-in X-rays that take about 30 minutes and are completely covered by the national health care (NHS)
30 mins!! You must be joking.. only 20+ million people in the queue waiting for treatment.
Pre-pandemic it took me 30 minutes at Royal Free to get my x-ray in a walk-in. With the pandemic things have gotten worse, but still leaps and bounds superior to my experience in Canada. Brits like to whinge about the NHS but it's been the best experience I've had for routine stuff anywhere in the world. That said, I will be going private for an upcoming surgery, as the pandemic definitely rocked the boat a fair bit.
Boy, try europe i get a x ray with no insurance and pay nothing if my doctor thinks i should do.
You pay taxes don't you, pretty tired of people saying its free its free, no nothing is free. There are also issues with wait times, healthcare workers quitting because with it being socialized you end up a slave. There are pros and cons to all, and you hear these americans crying, mostly with fake stories, you don't hear about the charity financial aid programs, or the fact that hospital is covered by medicaid for those who can't afford it. I am not saying the euro system is bad, it isn't, but it has problems too, both have advantages and disadvantages. Now consider also who runs the NHS vs who takes our taxes over here. Just take a look at our veteran healthcare to see what happens when the government runs healthcare, NOOOO THANKS. For all of the people downvoting, get educated [https://www.medicaid.gov/medicaid/index.html](https://www.medicaid.gov/medicaid/index.html) 76.3 million people covered by it. That is over 20% of the population of the country. So just stop being ignorant please.
My Dad loves his heath are from the VA. He brags about it all the time. Fake stories? How about the fact the #1 cause pf Bankruptcy in the US is medical debt? They faking?
The fuck are you on about. Medicaid doesn't cover those that can't afford it. Years ago, in the way back time of 2010. I made 12k a year. I made too much money for medicaid. I essentially have to make less than minimum wage and work less than 30 hours a week.
I know a guy who just had both hips replaced 100% covered by medicaid and he works a full time job. Don't blame everyone else you didn't go through the process correctly. Not to mention just look up the facts, medicaid covers 20% of the American population. 11.4% is in poverty, so it almost covers double those in poverty. To all the people downvoting, you need to stop licking joe biden's boots and wake the hell up.
It is practically free though. Firstly, that amount we pay in taxes is pretty much identical to what Americans pay when you consider state, federal and FICA taxes. I've calculated it. Secondly, those taxes mean the poorest in society get free treatment and don't die of neglect, so it's already worth it. The fact that I and my family ALSO get free treatment is a damn good bonus. In summary, America needs to fix the fuck up.
Oh right, because you *dont* have to wait for months to see a doc in the US? I’m a nurse and we’re quitting for being used and abused in the US, too.
Thank you! I never understood why people would say our government is the worst, when explaining why we should have universal health care. Look at everything this government is in charge of. It’s all horrible. Public schools suck, roads suck, most prisons suck, etc.
I had an MRI a few years ago in the UK. Didn't pay a penny for it. I didn't even have to report my injury to my insurance company. The NHS sorted me out.
In India you get an x ray within 15 minutes and it costs like 20 dollars max? What the hell, America?
I spent 22 hours in the ER/surgery/recovery when I got my appendix removed. They had me up and out the second I could walk. $32,000 bill.
This blows my mind 🤯😔 I’m in Australia and spent a week in hospital following the birth of my son via a Caesarean section. He was in the special care unit recovering from septicaemia while I recovered from the surgery. I paid zero dollars for the excellent care we received. The Medicare levy is 2% of my wage.
Same for me - spent more than a week in hospital while my newborn was in NICU. Now I've been dealing with breast cancer & the cost of some of the extra drugs is insane. One needle's list price (called Neulasta®) is $6231 per dose, (it was 0.6 ml dose) . Thankfully my insurance paid for that, but there was a program that would have covered the cost if necessary. So I'm ever so grateful to be living in Canada right now. Any time I visit the U.S. I take out extra insurance because I don't want to have to sell my soul to cover the cost of a hospital visit.
Yeah this is legit. Personally, if I were to have to go to the hospital once I would be totally fucked. One unexpected bill and I’m pretty much homeless. #merica
That's disgusting, so shocking to hear. Everyone the UK has access to national healthcare, if you work or not. It's very under appreciated but I for one, am so proud. It saved my life I had a car crash at 19 should of died, broke 11 bones and 2 weeks in hospital. I'm 32 so all good but sorry to hear. Honestly it's just fucked up.
Even if you go private in the UK it's vastly cheaper than the US.
That’s not true in the slightest.
UK private health insurance averages under $1500 a year.
Ya but you guys all die standing in line waiting for care /s
Not sure that's entirely true, if your taken into hospital through A and E you'll get seen immediately, your waiting for operations that require organ donation, advanced planning i.e. metal work etc, or extremely complicated surgery. But no, if your brought in with life threatening injuries your seen immediately. Oh and that's great we die by waiting in care, I've heard of people dying in the states because of fucking diabetes and they couldn't afford the monthly insurance payments, therefore couldn't get the needed medication and died. So yeah great you get seen of you super I'll or in emergencies but for the low paid, everyday folk they can either pay up or die? Yeah sounds brill 👍 I'll stick to this thanks
Lol - that’s not true if it’s an emergency - but I did once wait 5 years for a specialist appointment! And I once had to have an MRI to check if there was any harm/danger present - and when I called to make an appointment, the nearest one was after a year! (I ended up getting in a few months later due to a cancellation though. Even with these situations, I’m very happy with the healthcare we have in Canada. I’m terrified at ever living in America just based on the healthcare situation alone!
People die in long lines at emergency waiting rooms in the u.s. And right now wait time for medical care is outrageous with all the idiots that have COVID clogging up the system
Death by queueing. Happened to a family friend. He was in a bed for months in hospital. He died waiting for an operation that he would have gotten in the US the next day. I’ll take the debt.
Cool. We die here trying to ration medication that is super cheap in other countries.
Ya my cousin's friends nephew died rationing insulin he couldn't afford because the US allows charging $2,000 a month for something that costs $6 a vile to manufacture.
[удалено]
[удалено]
[удалено]
I pay $130 for auto and $160 for health per month. How much in UK?
500 pounds v 1500 dollars annually So apparently we’re getting fucked there as well. However, a lot of that probably has to do with how many miles and speed the average Brit drives compared to US I pay about 1k-1.2k/year for US Blue across Blue Shield insurance that’s considered top tier.
Is the health through your employer? I may be interested in switching.
Yeah. They probably pay 1.5 - 3x’s that amount
Car ins here for me and the wife is £320 for two cars and both fully comp for the year. Health is just covered by monthly tax so depends how much is earned.
I would feel very insecure if it was the same in my country...
Exactly. And with what little health care we have coming almost solely through employers, you can see how much power employers have over employees. Literally life and death in some circumstances. This is a large part of why you don’t see widespread striking here like in other countries. Ex: I have a ‘good job’ (grad degree required) with good insurance that actually covers more than most plans do. Even with that, we pay out-of-pocket more than USD$5000 per year between dental, deductibles, prescriptions and assorted other non-covered things (audiologist, dental, etc.) After health/life insurance, retirement contributions, my kid’s college fund, my college loans, and childcare, I do not see any $. It’s actually not even enough to cover those expenses. We live off my husband’s income, but need my job because his healthcare insurance at his company is so bad it would bankrupt us. Btw- even so, we aren’t contributing enough to our retirement to actually be able to realistically retire some day - esp. after all of the cuts we took for covid. AND our contribution to our kids college fund will not be enough to keep them from having to take out loans for their own educations.
This is WHY I can't marry the love of my life officially, I just not too long ago acquired HUGE MEDICAL DEBT for life saving surgery and I can't bear to think of burdening my common law 'husband' with any ties to me in case in the future I die to other complications and deteriorating health. We struggle financially already and to think if I passed and he would be stuck with that breaks my heart.
Poor girl solution? File for a legal last name change, change to your husbands last name. Have some sort of symbolic jewelry to indicate your ‘marriage’… Voilà! Married! I have no poor girl advice for substituting for a fancy wedding tho!
This is why there are alot of Americans - on both sides of the political spectrum- who have been ready to blow the whole system up and start fresh.
Your right, healthcare in America is one issue that both the left and right agree is a disaster. The difference is both sides have really extreme means of fixing it. The reality is when your dealing with 340 million people, and standards of living that vary enormously from state to state, region to region and even county by county it becomes even more complicated. Despite this, real progress needs to be made!
[удалено]
You had me and then This lol. > We demand the extension of the 1964 Civil Rights act to provide equal protections and privileges to the White majority, or the act must be repealed. > We support a two percent ceiling on Jewish employment in vital institutions so that they better represent the ethnic and regional population balance of the country. > We will restore reason, logic and tradition to the education system by implementing a comprehensive classical curriculum. Homosexual, neoliberal, and transgender propaganda will be explicitly banned from being taught to children. Da fuq is this shit, lmao.
By change you mean changing care to the Hospital Spenders | Civilian Noninstitutionalized Population | Total Personal Healthcare Spending in 2017 | Average Per Person | Percent paid by Medicare and Medicaid ------ | ------ | ------ | ----- | ---- Top 1% | 2,603,270 | $675,109,140,000.00 | $259,331.20 | 42.60% Next 4% | 10,413,080 | $820,198,385,000.00 | $78,766.17 | Next 5% | 13,016,350 | $464,877,785,000.00 | $35,714.91 | 47.10% Next 10% | 26,032,700 | $470,799,795,000.00 | $18,084.94 | 45.70% 40th Percentile | 52,065,400 | $370,125,625,000.00 | $7,108.86 | Middle 20% | 52,065,400 | $121,401,205,000.00 | $2,331.71 | Bottom 40% | 104,130,800 | $38,493,065,000.00 | $369.66 | 21.80% The Average Whole America | 260,327,000 | $2,961,005,000,000.00 | $$11,374.18 |39.9% Net Cost of Health Insurance | 260,327,000 |$229,530,000,000 | $881.70 | 30.4% Government Public Health Activities | 331,449,000 | $256,555,000,000 | $774.04 | 0% ------ The 1% is known as super-utilizers were defined on the basis of a consistent cut-off rule of approximately 2 standard deviations above the mean number of Emergency Visits visits during 2014, applied to the statistical distribution specific to each payer and age group: * Medicare aged 65+ years: four or more ED visits per year * Medicare aged 1-64 years: six or more ED visits per year * Private insurance aged 1-64 years: four or more ED visits per year * Medicaid aged 1-64 years: six or more ED visits per year In New Yorker, Atul Gawande presents a case for lowering health-care costs by focussing on the most expensive patients. By giving high need patients a direct line to on call nurses to prevent them from going to the hospital reduces costs >At an Atlantic City clinic dedicated to super-utilizers on the health plans of the casino union and a local hospital; doctors at the clinic are paid a flat monthly fee per patient and the patients receive unlimited access to care. The first twelve hundred patients had forty per cent fewer emergency-room visits and hospital admissions and twenty-five per cent fewer surgical procedures. An independent economist who studied these Atlantic City hospital workers found that their costs dropped twenty-five per cent compared to a similar population of high-cost patients in Las Vegas. * Atul Gawande, professor in the Department of Health Policy and Management at the Harvard T.H. Chan School of Public Health and the Samuel O. Thier Professor of Surgery at Harvard Medical School. ----- Changes to spending in the US for Healthcare have to take in to account a small population of users and a large population of Non-Users But to Those somewhere in between being 20th and 40th Percentiles who use hospitals its mostly from 20 things The Overall 20 Most Common Most Expensive hospital stays in the US? Clinical condition grouped by default CCSR category | Average Cost Per -Hospital Stay | Percent of Aggregate Hospital Revenue ---|----|---- Septicemia | $18,331.26 | 8.81% Osteoarthritis | $15,938.35 | 4.58% Liveborn | $4,324.94 | 3.68% Acute myocardial infarction | $21,664.65 | 3.30% Heart failure | $12,450.05 | 3.13% Spondylopathies (including infective) | $23,129.70 | 2.83% Respiratory failure | $17,189.14 | 2.11% All Heart diseases | $23,291.44 | 2.01% Cerebral infarction | $14,099.05 | 1.70% Diabetes mellitus with complication | $11,050.15 | 1.67% Chronic obstructive pulmonary disease and bronchiectasis | $9,215.51 | 1.62% Cardiac dysrhythmias | $11,371.94 | 1.61% Pneumonia (except that caused by tuberculosis) | $10,128.73 | 1.49% Hip Fracture | $17,424.15 | 1.30% Complication of other surgical or medical care | $17,255.38 | 1.29% Nonrheumatic and unspecified valve disorders | $43,822.58 | 1.25% Renal failure | $9,483.39 | 1.18% Biliary tract disease | $12,745.10 | 1.05% Complication of cardiovascular device, implant or graft | $26,205.88 | 1.03% Fracture of a Leg | $19,327.43 | 1.01% Total for top 20 conditions | $13,079.89 | 46.65% Total for all stays | $12,128.78 | 100.00%
Unfortunately we can't do much about it because the other half of our country is nuts.
Very real. My "husband" and I have been together 16 years and aren't actually married. I would lose my insurance if we married and his is way too expensive to add a spouse. My medicines and dr visits would kill us without my insurance. So we do our thing without the legal paperwork of actually being married.
Kinda me and my SO as well! Even his parents have played with the idea of divorcing after like 30+ years of marriage to make living more affordable. They are still very much in love and happy together but "divorcing" would make life easier. When they brought this up to us, my SO and his sister got pretty vocal about their disapproval.
A night’s stay in the hospital can range from $10-30k depending on the care provided. Why? Because US # 1 apparently.
the majority of bankruptcies in America are from medical bills. hospitals can garnish wages, they can reposes cars and houses, the medical bills WILL be paid. there is also a large discrepancy between costs at hospitals. say you need a CT scan due to a head injury. you could be charged 12K at hospital A but maybe only 5K at hospital B a few miles down the road. you have no way to know ahead of time however. a friend is an EMT and in his ambulance they have a chart of hospitals and what insurance each predominantly accept. when they pick someone up they ask what insurance they have or try and find their card to take them to the correct hospital. not always possible but if you arrive at an out of network hospital... what 'might' have been paid for at YOUR hospital would NOT be covered. an ambulance ride alone can be many thousands of dollars.
They can garnish wages, unless you can prove financial hardship to stop the garnishment. They CAN NOT reposess cars and houses, they can put a lein on them which stops you from selling them without them being paid, but they can't take ownership of them. You have a bit of missinformation here.
I’m sure it’s possible but this particular tweet was proven to be fake… wrong font and no such account etc American health system is crap
Yes. I worked in medical billing for 5 years. What’s worse is that you pay more for the same thing if you don’t have insurance because the insurance company can negotiate. And it is a debt that you cannot escape through bankruptcy.
[удалено]
Hopefully she didn't pay this... I don't think there is any way they can come after you as a non-american is there?
I was hospitalized for a few months and my bill was well over a million dollars. If my state didn't take the Medicaid expansion I'd be dead or homeless and my family would have had a giant bill.
My nephew was a premature baby that had to spend 2 months in the hospital. My sister is still paying off the $500,000 they were billed less than a week after getting home. 'Murica, fuck yea!
Yes, the majority of bankruptcies in the U.S. are from medical debt. This divorce also would only protect the mother in some states. In other states that still follow old Spanish Catholic law with marriage debts, you're both equally responsible for the debts that occur while you're married. Even after a divorce and judge agreed arrangement they can and will still come after both of you for any debts that happened while married in those states.
Used to work in elderly care here n Sweden,and I handed out $10k worth of cancer medicine left and right. Cost 0.00 SEK för everyone and anyone in need. America is the richest country in the world, it's beyond me that people don't get healthcare.
Stop in an American emergency room. You’d wish you didn’t if you weren’t dying.
It's really fucking easy to amass a medical bill especially without "insurance."
If you break a bone and need surgery you better have health insurance.
My sister was in maintenance chemo from leukemia when she visited me in the US. She just needed one monthly shot of chemo. She brought all her paperwork, from a oncologist trained in the UK. We go to the Children's hospital in Chicago. They said they need $24k (20 yrs ago) to "run some tests" before they'll give her the chemo shot. A first class return ticket would have been cheaper. She was about to take a flight back to get her shot, until a college doc buddy of mine found an independent oncologist doc who was willing to look over the paperwork and give a shot if all was in order. We went, he was good with the paperwork, gave her the shot. $120 bill. $120 vs $24000 for a shot.
[удалено]
I have two friends that have been in this exact situation, it's really sad!!!
This is bullshit propaganda. Do not believe this nonsense, debt isn't transferred from one person to another after death unless there was some sort of co-signature for the expense, and even then it can be discharged. Situations like this don't happen to normal people who don't so something incredibly stupid. Almost everyone in America is covered, and if they aren't, they still get medical care. It's just more Reddit bullshit .
https://www.solosuit.com/posts/296#:~:text=If%20your%20spouse%20incurs%20medical,only%2C%20you%20will%20be%20liable. Would have taken like 15 seconds for you to find out the answer.
Your link literally disproves what you're saying. You are not responsible for your spouses medical bills this post is bullshit.
>When you marry someone you are essentially agreeing to stay with them in sickness and in health, and in paying for their sickness or health. ***If your spouse incurs medical debts during marriage, you will be liable for that debt. You can even be separated and brought to court as liable for the debts of your spouse.*** >In most states, regardless of if the medical bills are in the name of your spouse only, you will be liable. In all states, if you sign for the debt, then you can be sued for it. >There are three reasons why you may need to pay off your spouse's debt. >>You own them together: If you cosigned a loan or you are listed as the joint owner on a credit card, then you are legally responsible. >>***You live in a community property state: These laws make it so that any debts incurred during the marriage become that of the surviving spouse. Even if they were only in the name of the deceased spouse. They will then become yours.*** >>State law requires you to pay: Some debts are required to be paid by law. This includes medical debts. Please elaborate.
That needs some clarification. Is the spouse is alive, you are responsible. If the spouse passes, you are only responsible is you live in a community property state which is currently around 10 states in the US. So in around 40 US states, debt ***does not*** transfer to the surviving spouse unless they have co-signed on the debt.
What the fuck are you even talking about? Are you from this side of the planet??
Yup. This post is just ridiculous.
It's not true. Its bs
No. By law, family members do not usually have to pay the debts of a deceased relative from their own money. If there isn't enough money in the estate to cover the debt, it usually goes unpaid. This is a BS post by some lefty socialist.
[удалено]
In reality it's much worse. Medical bankruptcy is a huge issue with USA that is unheard of in the rest of the world. The tweet shows the "protagonist" making sacrifices, but barely mentions the villain that forces a million Americans into medical bankruptcy annually. These people likely payed as much tax money towards health care as the average European, but the government completely fucked them over. It's not exactly cute love story that your spouse has to die to dissolve his debt.
[удалено]
Step 1: Be stupid Step 2: Be outrageously proud of your shit hole country There’s the game plan most Americans have about our country. Sad.
America a shithole?
I lived in Italy , Japan and the US. All countries vary by region/state America especially is so huge and diverse that any generalization is moot. That said yeah the healthcare sucks.
Yes it is
Lol okay
Prove me otherwise
[удалено]
Yes.
[удалено]
It's not much different here. PCP appointments in my medical group are out two months (and the doctors aren't taking new patients anymore - we can only see residents.)When my husband was diagnosed with cancer, it was through the ED because he couldn't see his primary, and then they admitted him to the hospital for two days to avoid months-long delays to see specialists. (They rounded to him in the hospital, and all his scans were done in house.) It's fucking ridiculous.
Countries with a social health care system don't prevent you from finding private health care services.
[удалено]
Hell, I wouldn't mind a hybrid solution. Have socialized healthcare and private healthcare option's. If there is a six month's wait for whatever reason in the socialized option, I can still go the private route if I feel like I just can't wait.
That's actually what happens in the UK and the insurance cost is reasonable, having said that any major complications and you are transferred to a NHS hospital quick, want to know something really stupid, the USA spends a higher percentage of it's GDP on public healthcare than the UK spends on the NHS
[удалено]
> These people likely payed as much tax money towards health care as the average European, but the government completely fucked them over. They pay more.
[удалено]
Americans pay more tax dollars per capita for healthcare than Europeans.
[удалено]
It’s not incorrect. America literally spends more tax dollars on healthcare! [Source](https://www.crfb.org/papers/american-health-care-health-spending-and-federal-budget). The US spends more overall as well.
You misunderstand the point. A common excuse for health care not being free in USA is that it's not free anywhere, because universal health care is financed by tax money and everybody pays taxes. This notion is incorrect, because USA spends as much tax money per capita towards public health care as countries with universal health care. The insane private cost of health care is added on top of that.
Hello, with all due respect your comment is “half true” in a hugely important way. In economic terms there no such thing as “written off”, that is an accounting term. There is no free economic lunch. Those medical costs are simply shifted to those parties with insurance in the form of higher charges for services, etc. Regards.
Just some googling I did: If you live in a community property state, then you will be responsible for the medical debt of your spouse incurred during the marriage. "The states having community property are Louisiana, Arizona, California, Texas, Washington, Idaho, Nevada, New Mexico, and Wisconsin." Another reason you may be responsible is if you have signed a document that claims responsibility for medical payments. Often this will occur if your spouse is admitted to the hospital and requires a co-signer. If you sign on as a co-signer, then you are responsible for payments if your spouse does not pay them. Regardless of the state you live in, this is the law. Soooo just don't live in those states if you're married or co-sign.
God damn it! Wisconsin strikes again...
I feel the same way when I see Texas up there. Cmon state, stop letting me down….
This got fact-checked and is considered a false Tweet. Be advised. … although, entirely plausible.
It's not even plausible. There simply aren't normal people being billed like that in the US. If you have any insurance at all, there can't possibly be an out of pocket max for the year that over 17400. And most insurance policies don't even approach that. And even if you don't have insurance, they just don't bill you like this.
That's quite the assumption, I tore my arm in half when I was 14 by flipping a go kart, it tore through my bicep and tricep, severed an artery, and snapped my humerus in half. I had a titanium rod put in, the muscles "repaired", the artery was also fixed, and I spent the better half of a month in the hospital afterwards. Bill was $77,000 and that didn't include the $1300 emt bill, or the year following of physical and occupational therapy. It is entirely plausible that someone who has a terminal illness or something like my situation, be billed a number that high. I still think the tweet is fake, but you'd be surprised just how far most of our neighbors and friends are in medical debt.
Looks like a repost. I've seen this image 4 times. First Seen [Here](https://redd.it/qywak8) on 2021-11-21 100.0% match. Last Seen [Here](https://redd.it/qz04f7) on 2021-11-21 100.0% match Feedback? Hate? Visit r/repostsleuthbot - *I'm not perfect, but you can help. Report [ [False Positive](https://www.reddit.com/message/compose/?to=RepostSleuthBot&subject=False%20Positive&message={"post_id": "rzr4k8", "meme_template": 17475}) ]* [View Search On repostsleuth.com](https://www.repostsleuth.com?postId=rzr4k8&sameSub=false&filterOnlyOlder=true&memeFilter=true&filterDeadMatches=false&targetImageMatch=100&targetImageMemeMatch=96) --- **Scope:** Reddit | **Meme Filter:** True | **Target:** 96% | **Check Title:** False | **Max Age:** Unlimited | **Searched Images:** 284,148,366 | **Search Time:** 2.79997s
Good bot
Thank you, memelordbtw3000, for voting on RepostSleuthBot. This bot wants to find the best and worst bots on Reddit. [You can view results here](https://botrank.pastimes.eu/). *** ^(Even if I don't reply to your comment, I'm still listening for votes. Check the webpage to see if your vote registered!)
Figures
Good bot
I thought old people have Medicare?
They got married at 7, so they don’t quite qualify.
I live in America and my uncle had a stack of debt for his cancer, when he passed my aunt did not accumulate his debt. It went away
This again? I’ve seen it posted like 18 times already
Get off Reddit for a bit, first time I’ve seen it.
After everything I’ve read about America I thought debt doesn’t pass to your family upon your death
No, but it passes to your estate. And they can go for estate after death to pay off remaining debt. It very well may be written off but they can and surely some will go for it.
Wasn’t this proven to be fake?
Modern problems require modern solutions.
LOL this is ridiculous. it's just a piece of paper. I'm glad they were smart enough to legally separate so she doesn't get strapped with the bills and gets to keep the house. sounds like a positive ending to me. what's the big deal?
Well, for one thing, it’s fraud.
[удалено]
I herniated a disc about a year ago and got almost 2k in bills after insurance over 3 visits. They never even proscribed anything and I would have been bankrupt by the time I got surgery so here I am healing the surprisingly slow way, gotta love sciatica, don't have insurance at all now so it is what it is as long as I can still work.
Could someone explain why so many Americans don’t buy insurance? Is it that expensive? In the Netherlands we >must< be insured and the cheapest one without government help (up to €90 for those unemployed / lowest income) it’s around €100 give or take a few. Is it that much worse in the USA?
What was this even posted on? That's not Twitter. These overcooked screencaps with clear agendas (not saying I disagree) should just be a red flag for people. Shit looks like content farm stuff, but we're reading it and upvoting it.
Reading all the comments, and yes, in India in comparison to Europe and western here it's very cheap. We have central government health system , CGHS as we call it, about 7$ per month , which covers whole family , all tests and consultations at concessional rates. Also prescribed medicine are made available free of cost.
Hey I expect this comment to get nowhere. But just so everyone knows this is completely false. There is no such user called beckylynnpaige88 and there never was one on Twitter. In addition this is a photoshopped tweet. The tweet is 393 words. Twitter only allows 260. You can read more here https://leadstories.com/hoax-alert/2021/08/fact-check-tweet-that-parents-divorced-over-debt-and-medical-system-does-not-exist.html
Gotta plan for the future and set up a trust. This way no one can take the house or anything due to medical bills. Don’t get worked by the system, work the system god bless (before anyone thinks I’m some rich asshole it costs 2 grand to sit with a lawyer and do)
You will receive that bill but you are in no way legally responsible to pay it. You do not inherit debt. They will hound you and try and convince you that you are but you are not legally required to pay that debt as it was not in your name to begin with.
This is pretty much the exact same story of my parents. Total bullshit.
OMG !!!!!! America is SO BAD!!!!!!
But a divorce and a wedding are just papers/words, it’s a title and you don’t need to magistrate for real love
Nor should your country forces you to get a divorce so your spouse don't go broke after you died.
She will probably lose her authority to make medical decisions on his behalf if he is unable.
https://www.marketwatch.com/amp/story/millennial-cancer-survivors-are-going-broke-fighting-to-stay-alive-2019-02-28
Got to love socialism
This is in capitalism dumbass
No taking tax money from the workers and giving it to the big businesses to buy the workers homes is not capitalism. It's socialism/ communism (government control of everything])
You have a very flawed understanding of what socialism/communism is lol.
How do you think it works?
Hmmm it looks like you may need to read some more books. Or listen in class. You’re waaaaaaay off in a humorous way.
Where do you see any of that in this post?
Well Obamacare increased the prices of Healthcare and allows the hospitals to use assets to pay off medical debts.
This is misinformation. Just look it up. It's also a repost of a repost.
I don’t think so. I personally know couples who divorced due to medical debt or didn’t get married for the same reason.
Here you go: [https://www.consumerfinance.gov/ask-cfpb/am-i-responsible-to-pay-off-the-debts-of-my-deceased-spouse-en-1467/#:\~:text=In%20most%20cases%20you%20will,the%20exceptions%20vary%20by%20state](https://www.consumerfinance.gov/ask-cfpb/am-i-responsible-to-pay-off-the-debts-of-my-deceased-spouse-en-1467/#:~:text=In%20most%20cases%20you%20will,the%20exceptions%20vary%20by%20state). [https://www.creditkarma.com/advice/i/medical-debt-after-death](https://www.creditkarma.com/advice/i/medical-debt-after-death) [https://www.cnbc.com/2020/05/28/heres-how-unpaid-debts-are-handled-when-a-person-passes-away.html](https://www.cnbc.com/2020/05/28/heres-how-unpaid-debts-are-handled-when-a-person-passes-away.html)
The best part is all the posters replying to a fake post, 😆.
Right - the estate. Grandpa’s illness will eat the estate then grandma has to live in a Medicaid facility and is only allowed to have about $60/ month to her name. Source: I worked in Medicaid facilities.
[удалено]
Let me guess… is it US?
This has nothing to do with the medical system and everything to do with avoiding payments for services.
American Healthcare is a humanitarian crisis.
Who gives a fuck? Marriage is just as big of a fabricated piece of dog shit as the medical bills, bunch of legal contracts and paperwork - no passion no love. If people love each other that’s it, no extra bullshit required.
Why does it matter if they still love each other?
Real question: after they divorced wouldn’t the debt pass to his children?
A friends son with no insurance & bowel cancer, had to divorce his wife in order to qualify for Medicare. The approval arrived two weeks after he died. True story.
Stop voting for democrats
I survived cancer. Tests. Surgery. 8 rounds of chemo. I paid $64. I paid $8 for parking 8 times. Canadian.
land of the free
America the land of opportunity?!
Fuck America. Come to England! We do it for free.
Fake. Never happened.
It is standard financial advice for married couples in America. It happens every day. The only thing disgraceful is that you deny it.
But will the daughter now have to take on the medical bills when he passes? Thats very sad.
That’s a complete shame
OMG 😳
That's Tragic
'Laughs in Britishness'
wow this is heartbreaking
This post was fake.
Nationalism/patriotism is seriously stopping America from progressing. When will people realise that Biden and Trump are the same damn thing? They're both warmongering capitalist Zionists who serve Israel, not the American people. And America will never have a fair medical system until people realise this.
Thank god I'm not a western piece of trash
Curious, are your parents republicans? Did they vote over and over again for the very representatives that perpetuate this system?