We barely get by with the money we get now. If you hit us with 7% we are going to be struggling as a country. While the rich get richer and you keep poisoning the country with fake medicine. How I know all this is because I went in the hospital for an abscess in the armpit they prescribed me antibiotics that would help with inflammation but instead damn near gave me a heart attack at 30 years old. The meds was 50 dollars for 14 pills. I went back to the hospital an told them what happened, they literally brushed it off and prescribed me another antibiotic. To say more the less. They didn’t care about my health to begin with and the nurse who helped me was not really interested what happened. Now I know they just prescribe you exspensive ass meds that will kill you. These are doctors or nurses. They are the helpers of big pharmaceutical companies. Making us the test subject.
Thứ Sáu, 5 tháng 9, 2025
Thứ Năm, 4 tháng 9, 2025
COBRA is $1,4560. ACA is $700/mo. Are there any other options?
We're recently uninsured due to my wife quitting her job. Her employee healthcare plan covered us both. The facts about us:
38yo Male
- Healthy, no pre-existing conditions, no tobacco use
- Self-employed, no health insurance options (that I know of)
33yo Female
- Healthy, no pre-existing conditions, no tobacco use
- Sees an OBGYN 4x/yr for birth control
- Sees a mental health counselor 8-10x/yr
Other Things to Note
- We would like to have a child within the next 2 years.
- We expect her to find new employment soon, but we are unsure if it will be part-time, full-time, or even offer healthcare benefits.
- Married filing joinly, our AGI is anywhere from $100k-$200k (last year was $140k).
- We also would like a dental plan that offers two cleanings per year, each.
- Access to an HSA would be great, but not a requirement.
- We already have about $60k in our HSA.
Her previous employer's COBRA is $1,460/mo for both of us. When I looked at ACA plans, the cheapest was $700/mo with a $17k deductible and a $18,400 out-of-pocket max. These two choices both seem ridiculously expensive.
What are my other options?
Is there any recourse for me with this bill?
Recently my doctor referred me to neurology as my back issues are progressing even worse. I went to the neurologist, she recommended and sent a request in for me to do both an upper and lower EMG. When checking out and scheduling it, I asked the girl "does insurance cover this? Is there a cost to me?" Bc I've done procedures, injections and imaging before. With MRI's I just go, jump in the machine and rarely sometimes pay a small fee when getting there. On the contrary, EVERY single doctor I've ever had doing a procedure has ALWAYS given a run down of "hey you haven't/have met your deductible and this is the out of pocket costs to you," showing an ESTIMATED bill of costs to obviously to ensure their patients are actually able to pay their fees or set up a payment plan if need be, or, MOST IMPORTANTLY, judge if this is even financially feasible for them at this moment. They also always have given a price breakdown and payment agreement, stating you understand the cost of what you signed up for. The only few times this hasn't happened for me is when my deductible is met and I'm just responsible for the copay.
Obviously, idfk what an EMG is classified as or even what it actually is, hence the need to ask this. She looked at the computer screen really quickly without even typing and said no insurance is covering it you don't need to worry about it then insistently scheduled me in for the next week to do the EMGS. I go for the EMG appts, both times I checked in and asked what the cost was, the same girl said no cost. Both times while leaving I asked again are you sure I'm good? There's nothing for me to pay? And she just smiled and said nope you're all set have a great day!
Today I get a text from them stating I owe $866 to them so I called, extremely confused and worried, and got a hold of a moderately rude billing lady who said well obviously this is a procedure and you haven't hit your deductible so this is the deductible costs that your responsible for. I explained to her that there's no way for me to automatically know it's a procedure and will be towards my deductible, what my deductible even stands at right now, that every time I've ever had procedures they've always checked with insurance to verify what is covered and relay the cost out of pocket even if they have to call me back later to determine if a payment plan is needed and I even asked for this and was told there was no cost to me, and then I showed up for the appointments and asked again and was told I had no payment. All I was told was that I needed the two EMGs, that it was fully covered by insurance and I wouldn't be responsible for it, and I had no cost due other than my co-pay.
She then said even if the desk girl made a mistake it's still my full responsibility because the tests were done. I explained to her the tests never would have even been done if she had just simply taken the short amount of time to actually do her job and either verify what she was telling me, say she could call me back with the information, or explain to me there's no possible way to know (which would be bullshit). Instead she was so pushy to get it scheduled she just said yup no cost! And got me out of there. Because right now with the way my finances are that I can just barely break even on my bills and basic living necessities and that I would have to budget and plan something like this into that. I genuinely can't afford to add a payment plan like that or have interest accruing on it right this second and I would have pushed it off until more towards the end of the year when I COULD afford it.
She said there's no manager available at the moment and they'd call me back but is there even anything I can do at this point or am I basically screwed and condemned with this bill purely bc no one actually took a second to actually look into and verify my question...? I'm just so freaking frustrated and angry right now. I asked. Multiple times. All it would've took was for her to actually check or to ask someone else that did know how to check and let me know an estimate to actually let me make this decision for myself. Instead she made it seem like everything was all good and covered and I just had to basically show up and give the copay.
Thứ Tư, 3 tháng 9, 2025
Gynecologist won’t prescribe HRT without a mammogram
I’ve been taking HRT for several years. I originally went to a boutique hormone clinic but it was expensive. It cost more monthly than a three month supply of hormones. For a while I switched to a functional medicine nurse practitioner who I was seeing through telemedicine for my thyroid, but she couldn’t prescribe testosterone because she was in another state.
I started seeing a local gynecologist. She would recommend mammograms but I wouldn’t get them. She encouraged me to get thermography if I didn’t feel comfortable having a mammogram. The thing about me is that I don’t like going to doctors. I don’t like having tests. I like as little medical intervention as possible. I’d have none if I could but it isn’t feasible to live with miserable menopause symptoms. So everything was going fine with the Doctor suggesting breast cancer screening and me not getting it and her prescribing hormones anyway. Until she retired and a nurse practitioner replaced her. When I went to refill my estradiol cream and I was out of refills, things started going in a different direction. The nurse practitioner informed me, rather snappishly, that she DOES NOT prescribe HRT without a mammogram AND it MUST be a mammogram, it CANNOT be thermography. This was in a voicemail. She went on to say that she would be willing to do a short term (3 month) refill so I could take some time to think about what I wanted to do. I called the office and left a voicemail saying yes, please give me a short term refill, thank you. A different nurse called back demanding to know if I was getting a mammogram. I relayed the Nurse Practitioner’s message that the short term refill was so that I could take some time to think about what I want to do. The exact wording of the voicemail. She aggressively insisted that NO, Allison needs to know NOW if I’m getting a mammogram so she can know for how long to refill the prescription.
Here’s my question. Is this crazy or what? For one thing it has always been my understanding that a medical provider can suggest testing and provide the patient with all info including pros and cons of the test and possible negative consequences of not having the test, but they can’t demand, insist, or try to coerce the patient under threat of retaliation in the form of suddenly refusing to refill a prescription the patient has been taking long term. This situation seems outlandish to me. Unethical even. Whether or not to have testing is up to the patient and a matter of autonomy over one’s body and health.
Looking for insight on navigating college
/r/mentalhealth/comments/1n6weih/looking_for_insight_on_navigating_college/
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https://ift.tt/SiQoqHr Submitted September 03, 2025 at 07:02AM by asunflowerinspace https://ift.tt/2IAvJEd
Trades to Healthcare
To current healthcare workers, man or woman, who have previously worked in the trades.
The question is what made you transfer to this industry? Why did you, what was the last straw that wanted you to transfer?
Coming from someone in the trades currently I do have some itches for other industries and I won’t lie I do like seeing early onsets of things patients don’t get to see
Can’t message my doctor on MyChart after Prime Health buyout?
https://ift.tt/uQCvwnz
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https://ift.tt/uQCvwnz Submitted September 02, 2025 at 11:58PM by whyinternet https://ift.tt/Cuk20W1
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