Picrel, how much do you actually have to pay per such a invoice?
>>536545930nothing. let it go to collections.
I pay $2500 and nothing past that, no matter what.
>>536545930$210,873.50
>>536545975So you de facto "have" to pay the whole sum?
>>536545930Realistically you pay 5% of that if you're unlucky. The bills are fake and gay, they only exist to justify insurance. If you tell them you don't have insurance they'll give you the real prices, which you can then negotiate down and work out a payment plan. If you have insurance they'll take it an negotiate it privately and you pay a small copay
what about this one?
>>536545930Biggest bill I got was for $53k, I paid $4k.
>>536545930>Go to financial office>"I'm not paying this shit lmao">"Okay, show me your pay stub.">Bill is adjusted to a tiny fraction of that based on what you make>You can pay like $5 a month if you really want and they'll just accept it>If you're enough of a poor fag, they just write the whole thing offOnly a complete retard pays the full amount.
>>536546308Well that's not a medical bill that's a car payment plan
>>536545930If it's a medical bill, you contact the financial assistance department of whoever sent it to you and go through the process and they'll either heavily discount it or forgive it entirely.
>>536545930depends on how much you like credit.Either 210k if you love Jew dick.Or 0$ if you don't need a 2026 car.
>>536546308fucking lol, you wait till you die with nhs.I'd rather be in debt than dead.
>>536546232>>536546362>>536546403So most of these plebbit posts are just anti-American commie propaganda?>"you can get bankrupt just for a few stiches!!11"
>>536546362Also my health insurance policy costs around $30k per year. Covers 5 people.I gross around 120k, so 25% goes on health plan.But if I grossed under $40k, it would be covered by the governmentIf I made $45k, I'd have to pay $30k for insurance.This is the main problem we have. It doesn't scale with income at all.
The threat of high prices is to keep American hospitals from being over run by retards that go to the ER for a tummy ache or a headache.Browns already do that so they don't want whites to do the same so have this $30,000 bill for removing a dragon dildo too far up your ass.I had a huge bill for a ruptured appendex. I told the hospital I have no money, no job, and no way of paying it. They kept sending me collections and phone calls but I kept ignoring them. After 10 years I never heard a thing. Never affected my credit or insurance when I actually got a real job.If browns don't pay I don't pay it's that simple.
>>536545930if you have insurance, then like maybe a $150 copay. literally only the most worthless people don't have insurance here. most people's employers pay it all too.
>>536546308that's an auto loan. we can own real cars here, not glorified lawn mowers
>>536546646>literally only the most worthless people don't have insurance hereI've always had a hunch it was something like this.
>>536546674Stop it, you're making this Twongi cry.
>>536546674>auto loan>I own the carpick one
>>536545930Only like 1 in 20 people pay, so they inflate the prices by 20x. If you're one of the people that actually pay you're just subsidizing for the other 19.
>>536545930>Picrel, how much do you actually have to pay per such a invoice?how about uncropping the document
>>536545930None, medical debt gets canceled in 5 years if you don't make payments
>>536546953Sorry, mate>https://www.reddit.com/r/pics/comments/1tyv1yv/3_days_in_the_hospital_in_florida_greatest/#lightbox
>>536546536No, because they bank on the people who don't know they can negotiate and the insurance companies to subsidize everyone else
>>536546536That or lazy fags who dont understand you can usually talk your way out of debt.
>>536545930I paid $600 for a 12 day hospital staybut premiums cost a bunch over time, I've probably paid 10's of K's for those
>>536547036some goyslave called me the other day trying to collect a copay for my dead father's last ambulance ride
>>536547166I hope you laughed at him
>>536545975This is what I've always done but it does hurt your goy score
>>536545975>"do you have they money to pay??"AHHHHH GEEEZ DOOOD
>>536545930Average American is a millionaire with a six figure income. If you’re poor or jobless in America it’s literally your fault.
The american healthcare system is outrageous, I couldnt believe it when I did research on it. I'm not happy with the NHS, but after seeing what goes on the US, its absolutely worth fighting for. The NHS must be saved.
>>536547543Lol
>>536546536Bankruptcy varies by state, but tend to be fairly lenient.In my state you get to keep>Your primary residence>one car per licensed household member>anything you use for work, PCs, tools, work trucks, farm equipment>two guns per household adult >means of informing yourself, radios, TVs, computers, phones>retirement savings accounts>family heirlooms>pets>jewlery>furniture>food>medical equipment>$100k in cash or bank acct
>>536547592you have to be joking
>>536547592That's basically everything. Anything in excess of 100k I would just buy gold and bury it so they can't repo it.
>>536547658>TXCheck the rules for your state and report
>>536547665Yes, I'd lose two handguns worth maybe $300 together and a car that's broken down on bricks.Unless I claim its an heirloom because my dad left in on bricks before he died.
>>536545930People just let the medical debt happen. No other option really except spend extensive time and effort to cut it from a life ending amount to a life crippling amount.The only real consequence is that you can't get a loan afterwards, so no home ownership.
>>5365459301) you are left to pay your deductible. Hospital writes it off2) you don’t pay, hospital prorates it to $1000 and you pay it off over 10 years
>>536547793You can get a loan after. Those "we fix your credit score" ads actually work.Costs you few hundred $.
>>536545930>how much will you pay a week>How about.......3 dollarsAs funny as sams video on this topic is, its actually still wrong, you're better off never responding and never paying a dime, even setting up a path to pay $3/month will screw you in the end because payment keeps the debt alive. After a certain amount of time medical debt falls off of credit scores and wont even matter, so long as you never pay a dime for it (which extends your legal culpability).
>>536547359/thread
>>536545930Went to a regional care provider here about a year ago, wound up not being able to pay off the final $150 my insurance wouldn't cover because of unforeseen circumstances, so they sent me to collection. I never plan on paying the collections company. Why? What are they going to do? My credit score is in the 750s regardless. It will cost them more to pursue legal action over $150 than it is to just eat it. They wont do shit lol.
>>536546572I had same situation and quit job as soon as i had some savings, for summer just doing odd jobs for cash and it feels good. Long term idk
>>536547543Honestly, it worked perfectly well until tens of millions of illegals started flooding the country, clogging hospitals and not paying anything. Now everyone else has to foot their bill one way or another.
>>536546536no, that is actually true, to the extent that medical debt is the leading cause of bankruptcy in the USA.
>>536546536It's true if you don't have insurance, or if insurance tells you to go fuck yourself.About half the population or so are probably okay, but the rest will pay out of pocket or just let the debt happen.
>>536547543>>536548169Essentially. Before obangocare health policies were cheap and poorfags still covered by the guberment.You had to be a greedy retard to end up without insurance.Half the country being brown is the biggest reason costs went up so high.
>>536546308>28% APR>On an auto loanHow shit is your credit bro?
>>536546754Not even true because if you're literally worthless (poor) you'd have Medicaid so you'd pay $0, you do have to apply for that though
I had extensive hip surgery and 3 months of physical therapy to teach me how to walk again and I ended up getting a handful of bills that totaled in the neighborhood of $8k. The "pre-insurance" total was $65k.
>>536546030You're technically on the hook for all of it. If you have insurance, how much you actually pay depends on the company's policy. If you have, say, a $1000 deductible, that's how much you will pay then the insurance pays off the rest. Unless you have already exceeded your maximum out-of-pocket expenses for the year. Then your insurance just pays the entire bill.So in practice, bills like these really just amount to like a grand or so on top of whatever that person pays for their insurance anyway.
>>536546536No it's retards who don't understand the medical system
This also happens in Canada but most folks do not read their bills.Basically:>insurances, government and hospitals decide how much things are worth>if you go to hospital they bill you whatever>government pays the oublic healthcare portion and you pay nothing>you or your private insurance pays for the private non-public part>if you do not have the money or insurance, you negotiate down the debt to nothing>hospitals can write off the full amount as a financial loss at the end of the year and get money from government anywaysThe only thing you would truly pay exorbitant amounts out of pocket is private medical or aesthetic procedures like gastroscopy if unprescribed, breast enlargement, etc.Even then you can claim them on your income taxes and grt part of it back.All of this is verifiable and AI can explain it even further, why trust strangers?And Michael Moores movie Sicko is full of bullshit.
>>536549317In your state you may be eligible to obamacare or whatever else and claim that amount back.
I wouldn't know because I don't have insurance and I refuse to ever go to the doctor. My grandparents told me my grandpas heart surgery cost a million dollars before he died and I believe them
>>536546030I've never paid a single medical bill in my life. True story. I never pay any of my debts. They disappear after a few years.
>>536545930$0
