Oh boy, I could go on forever about insurance.....it is terrible. I work for a large corporation that is a non-profit Catholic base system. We treat any and all people. Those without insurance get the same care as anyone else. Most often we try to get them covered under Medicaid (state based insurance for low-income) but every once in a while we get those that don't qualify and we write it off.....I took care of a younger gal with colon cancer and they wrote off ALL her care - surgery, chemo, hospital stay, surgeon, home health nurse, all of it....to the tune off close to 1 million dollars. But because she didn't have insurance, her cancer was not caught early as it would have been with some one who had coverage.
Then we have the 2013 year for our family....between Mark's cancer and My son's cancer we had over 1 million dollars in bills for the two of them. I thankfully great insurance through my employer and it only cost us $6,600 dollars. They each had a $3,300 out of pocket maximum. It was met early and then all of our medical care was covered at 100% including my 4 days in the hospital with the chest pain. I feel very lucky to be covered.
One of the things (only one because there are several) that drives cost up is the uninsured people that we have in our country. When people can't pay and their accounts are written off they have to get the money from some where so those of us who can pay or have insurance, pick up the slack. The other thing is that most insurances have a contract with any providers so the medical facility may change $300 for something but the contract says the insurance only has to pay $32 dollars.
The who complicated and convoluted thing drives me nuts.
Glad I have good Insurance.