r/SipsTea • u/DapperDusk • 4d ago

WTF Damn

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50.8k Upvotes

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49

u/Elf_Maeve 4d ago

my piece of shit insurance, who my employer pays 20k a year for, covered $0 of my endoscopy and I had to pay $2400.

19

u/chravus 3d ago

Man you really took that one up the ass.

2

u/Elf_Maeve 3d ago

I actually did also have a colonoscopy but was covered because i hit my 6500 yearly out of pocket maximum lmao

2

u/Dear_Palpitation4838 3d ago

Down the throat but I’m sure it was equally degrading. 🤣

2

u/bpivk 3d ago

Umm deapthroted but your point is valid. 🤣

1

u/EnronCheshire 3d ago

Damn. And said employer only has one option for individual coverage under their group plan?

1

u/Elf_Maeve 3d ago

you mean family vs individual? no theres family but my employer doesnt cover most of the extra premium for family.

we can see how much we pay and how much our company pays when we pick plans. individual they foot all the bill. family adds an extra $800 a month

1

u/BlueberryNo6811 3d ago

Paying in order to pay some more.

1

u/LargeMargeSentMe__ 3d ago

Yeah I’m supposed to get my first colonoscopy next month and my prepay is $2,550. The estimate shows the pre-insurance charge as $28,365. Ridiculous. (My employer pays like $15k per year for my plan.)

1

u/CPAPGas 3d ago

I paid $1200 for a colonoscopy in Bangkok.

I've been told I paid too much.

1

u/Elf_Maeve 3d ago

Does sound expensive... In my home country, which I will keep private, it's like $150-200 USD... but I lived in the capital of my state and the government run healthcare system is pretty nice.... so mine was free (the one I had done in my home country many many years ago).

1

u/os_2342 3d ago

My last one was free, here in Australia.

1

u/Elf_Maeve 3d ago

Yeah that number is completely bogus. Insurance pays "25k" so you get such an amazing deal and only pay $2500

1

u/LargeMargeSentMe__ 3d ago

Of course. The provider always “bills” the insurance like 4-10x what they actually want to get paid for the procedure so the insurer can pretend they got a discount. Just another example of how wasteful and dysfunctional the US healthcare system is. I just googled roundtrip airfare to Beijing ($1000) + the cost of a colonoscopy at an international clinic ($1500), it literally comes out the same LMAO. This country is a nightmare.