I changed jobs and changed insurance earlier this year, and I need a drug called Humera that among other things, prevents my spine from solidifying into 1 solid piece. My new insurance denied my claim because I had not tried to treat my disorder with Tylenol. Yeah, ok. Seems legit. So I challenge the claim and am told by my new insurance that "they'll get their best people on it and be done in 2-3 business days". I call a few days later for updates and they tell me the exact same thing. This goes on for 2.5 months with absolutely no changes, and I'm now about 3 months behind on treatment. 
 Finally, I get aggressive with the rep on the phone and she reluctantly agrees to check my profile more closely. Then she says, "oh, it looks like everything's all set and I just have to do this one thing... And now you'll have your claim approved." How long was I waiting for that one last step I wonder? If that medicine was a matter of life and death, I would have died or ended up in the ER. Just an absolutely pathetic and infuriating experience. 

It actually took me awhile to respond because I just have to think about this stuff all the time and I sorta get sick of associating with it more than I have to. This is going to be long as many of these responses are and im going to stick to generalities and give multiple paragraph parts.

Most all of this is with my wife and I want to begin with a bit of the generational perspective. He father was a boomer and one of those curmudgeonly misogynists that folks may have known in their lives. Now he was a single income provider but he talked about how originally, before they controlled for it, double income folks were both had insurance could put in for reimbursement from both providers. So like 80% back from both and folks could basically scam a profit from their healthcare costs and get 60% of it keep. I bring this up just to get a feel for how much things have changed.

So we have some idea that doctors have told him that she a variety of things that should be looked into as she grew up but she was a child and is not sure what all those were but she did know her father did not want the expense so did not follow up. This was a man that had enough to pay for college for his kids if he wanted but didn’t (her grades were very good btw) and to boot he kept listing her as a dependent after she moved out and she was to mousey (its not quite the right word but its a thing with how he was and how she was raised and how her brain reacted to it). This is just more setup for her life.

So my generation had this thing called insurance roulete which meant you did not have insurance and hoped for the best. Pretty much everyone did that after their parents unless they got a job with insurance because what you could get would be emergency only. During the time before we got together she was in a bad auto accident with a truck where her car was accordianed. In some ways it is amazing she outwardly for a time did not show much damage but there was damage. She also suffered some brutal assaults. Each time she really got just minimum care mostly at home and relied on just being able to get over it.

Now we get to the erra where we met and eventually got married. She now has insurance from my work but many, many issues. Eventually we resign ourselves to paying maximum out of pocket every year. I am in a weird situation which is very akin to being a single parent with a disabled child. She can do some house work and such but is limited. I am desperately afraid to lose insurance. She has gotten mad at me for things like as she says “stepping over her while laying messed up on the floor to go to work”. She later apologizes because she does get that I can’t lose my jobs even though I do ultimately (generational reality of serial employment/unemployment). These things come back around as her and I go through continous bouts of depression around her health, the us healthcare system we deal with, and our financials. We have to kill ourselves with belt tightening to keep cobra going (a costly option to keep insurance between jobs in the US). We have had multiple denials that we have fought successfully but it has taken over a year of perseverance and is a source of continous stress. These are six figure amounts. Obama care was huge because of getting rid of pre-existing conditions and the biden administration’s no surprise billing has been a godsend to. Im currently unemployed and my monthly healthcare costs are over 2k a month now. An amount that unemployment just barely covers so pretty much all other costs come from savings.

Ok as for her health issues. She needs back surgery. Both lower and upper. This is a big thing but we have avoided it. We know it has to be done but what you have to realize is all her medical things have never gone typically. She almost always has “complications”. This surgery is one that people will say don’t do it till you are in a wheelchair because it at its best is not great. This is one of those things we have over our heads. She has had a knee re-alignment. It never went back to normal function. She had a hip replacement with two or three revisions. I can’t remember how many but she had mersa and a pick line and it was enough to have the CDC involved in the middle of covid. Her other hip needs to be replaced but we are putting it off. She had growths in her uterus and got an abilation. They are currently doing biospsies to see if more needs to be done now which is years later. She has a growth on her thyroid and is hypothyroid and has to take thyroid supplement but she reacts to the artificial and we have to continually get exceptions to get animal sourced. [I am at the character length and will have to continue this on a reply to itself.]

The last time I needed care I went to an “urgent care” facility (for anyone outside of the USA who doesn’t know: we have a whole range from “clinics” e.g. a headcold that needs antibiotics to “urgent care” for some routine items to “emergency room” that has everything), they sent me to the ER where I had to wait for 6 hours and ended up with a $1k bill even after insurance.

Sadly, many people lack insurance entirely or it’s not reliable so what it seems that many people do lately is wait and wait, doing nothing, then also end up in the ER. We are all connected: what affects others will affect us too - I wish people would remember that more readily, whenever they go to the polls.:-(

I had to spend the weekend in the hospital. At somepoint I woke up and there was a lady asking me about my insurance. I didn’t have any. She asked me what insurance would I like? I was pretty out of it, and just said “whichever one you would want to have”.

Best thing that’s happened to me. That nice lady looked out for me and got me really good insurance for free. No copays or anything. Every thing is free for me. Tests, medication, extra things, cabs, eye dental everything. I have yet to find anything it doesn’t cover. And im at various dr appointments every week.

I was really lucky she was there for me.

Family had big surgery, had excellent insurance, went to rehab, something went wrong and his bones started coming apart and he reported agonizing pain and popping sounds in his reconstructed bones, and they ignored him and told him it was normal. By the time they realized it was a real issue, his whole anatomy was falling apart and he had to have multiple surgeries all the way across the state to fix it, traveling back and forth while not in great shape, and still isn’t okay and probably will not be again. I got in a shouting match with one of the nurses that tried to tell me it was basically his fault.

Other family member had major abdominal surgery, they sent her home after and only after she collapsed at home and came back did they realize that nothing they’d done the first time had actually addressed what was causing the problem. They did surgery again, this time fixing the actual issue, and then sent her to rehab for a few days and then back home before she could walk again. If I or someone hadn’t been around to help her out she probably would have starved to death or something.

Friend had a fairly minor health condition, had insurance, went to the doctor, insurance refused to pay the claim for basically no reason, wound up with bill collectors chasing her for thousands of dollars after she had paid out-of-pocket to have health insurance. Lawyer said there’s not much to do that wouldn’t cost more than they wanted to extract from her. Sorry.

I went to the doctor evading the whole system, just said that I had something wrong with me and wanted it checked by a specialist without waiting six months for a referral and wanted to pay for the visit. They said fine and quoted a price, I said fine. A lab sent me a separate bill for the lab work which the office hadn’t told me about, I called the office to ask about it, they said lol good luck.

There really is no way out, other than not to have health issues.

The meds I need in order to do anything cost $250/month but other than that I have fortunately avoided hospitals.

Wait no, I got the flu real bad and had to go to the ER. Cost me over 2k and all I got was a tylenol and a 8hr wait

My wife broke her ankle, spent the night in the hospital hooked up to IV pain meds, and had surgery the next day.

Insurance said that the overnight stay was medically unnecessary, as the care could have been provided in a more appropriate setting. They only approved overnight stays in instances where the patient’s pain needed constant management or they were having surgery. Bonus points: there was a footnote on the denial papers saying that the person who denied the coverage had a medical background…in OBGYN. Not orthopedics.

Spent literally months appealing that before they begrudgingly agreed that it was covered, which makes us the lucky ones in the US Healthcare system.

One of the medications I take (treatment for an exotic form of seizure) is a Schedule 2 drug, and thus requires a full prescription to be issued monthly. Said prescription can only be written at most two days before the prescription is due to run out, because fuck you you filthy little addict. As a result I have never, not once, been able to get these prescriptions approved by my insurance before I start having withdrawals from the meds.

So, yeah. Monthly withdrawals because a $30 generic medication that I’ve taken for years absolutely must be carefully evaluated to make sure I’m not selling it under the table to professional golfers or something.

I had been getting the same medicine at the same pharmacy for quite some time, always costing something like $4. I go to the pharmacy to pick it up one time, and it’s $40. I need the medicine so I pay it (I can luckily afford it), but I call the insurance company to see what’s up. They tell me the manufacturer raised the price, there’s nothing they can do. I ask why I wasn’t informed that my medicine would be 10x the price, they say that “there isn’t a system in place to do that.” I ask what I am supposed to do, and they say, “there’s other manufacturers for this medicine that are cheaper.” I ask what pharmacy has those manufacturers, and they say they don’t know. So I have to call the pharmacys, get the manufacturer’s names, then call the insurance back and ask them the cost.

Also, I had the thing where the doctor was “in network” but the lab (right down the hall) was not, so I got an unexpected bill. I spent hours on the phone arguing, and they finally took the charge off.

My experiences have been infuriating, inconvenient, and frustrating, but not life-threatening luckily.

I take a medicine which typically costs $600 per month. If I don’t take it, I won’t feel any different, but I could suddenly die (expected rate of one incident per 6 years).

For some reason, my insurance, which is really terrible most of the time, is covering it at $0 per month, despite not having even met my deductible this year. If this changes on January 1st due to plan changes (or changes at any other time, for whatever reason) then I’ll probably just be screwed.

So I just have to live with this uncertainty.

(What do people do when they have a $10,000 deductible and have to take this med?)

My family member spent about half a day in the emergency room and died. No insurance for various reasons. We got a bill for $86,000.

I wish this was made up.

I have many, but the one I’m willing to share:

So I have a dead tooth that is broken at the root, so it requires major invasive surgery to be removed. Well, insurance will only cover localized anesthesia. Local anesthesia doesn’t work on me; I can still feel it. Not to mention that they are going to have to go deep to get the root. So I have been living with this for years.

A couple years ago it got infected. I went to the local hospital — Forbes Medical Center in Monroeville, PA. I walked in the emergency room, delirious from fever and pain, and checked in. I sat there for HOURS. Then, the abscess ruptured. I run up to the desk, trying to get help, or at least a fucking barf bag or something because I now have a mouth full of puss and infection. Well, the useless bitch at the desk did literally nothing; just went back to fucking around on her phone. So I went in the bathroom, spit it all out in the sink without washing any of it away so they can fucking deal with it, and walked the fuck out. I was stopped by the security guard at the entrance asking me if I was ok. The goddamn rent-a-cop gave more of a shit about my wellbeing than that fucking shithole of a “hospital”. I will bleed out and die in the gutter before I ever go back to that fucking place.

I live in the US. All my healthcare experiences are ‘American healthcare’ experiences.

I was basically raised to just avoid ever going, because it’s just not affordable.

I have UHC insurance and am prescribed fluoxetine (Prozac). Prescriptions that you take for longer than three refills must be ordered through their mail order pharmacy, OptumRX. Seems like they always take about a week to process and mail out the prescription, and then I’m waiting on USPS who take their time to get it to my mailbox.

All that mess instead of my doctor just sending my prescription to the pharmacy that is literally across the street from my apartment, where I could get it filled the same day. Been thinking about just starting to pay for it out of pocket so I can use my own pharmacist.

I had to have an incredibly painful procedure (with no pain relief or anesthesia) to determine if I had endometrial cancer. My insurance “covered” it, but I still owe over $2000 for it.