I think I have a fundamental lack of understanding of health insurance.
I’m a British citizen and I just tried to use my health insurance in the US for the first time. I read all the insurance papers I got and there was no mention that certain medical conditions aren’t covered. It said that a Dr visit is a $25 copay. Then they denied it and I got a $200 bill. Called insurance and they said what I went to the Dr for isn’t covered… WHAT?! 😂😂
How can they decide what you can and can’t get medical care for? It’s a mental health condition (ADHD) that I was diagnosed with when I was 7 years old. The plan says it covers mental health, but apparently somewhere in the fine print it doesn’t cover ADHD. But they did cover the meds. And how can they be prejudice against certain medical conditions? I thought that was illegal??
I just genuinely don’t understand this system. I’ve already had to forego dental care and other healthcare services because health/dental insurance ‘doesn’t cover it’ and it’s so freaking expensive!!
How are people living? What am I supposed to do? Like literally I’m just supposed to suffer and die?? America, wtf? I got the insurance like I’m supposed to and then it doesn’t cover anything… people say it’s a scam but it can’t literally be a scam right? I just genuinely don’t understand how or why or what I’m supposed to do in this situation.
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