No, just like anywhere else, wait times are based on urgency. A severed limb will be taken instantly, a bloody nose will wait until there’s an empty bed. Doesn’t matter if you’re insured or not.
Uninsured will just get billed a full amount after the fact (payable in installments to the hospital), vs insured who might have to pay a copay, and then a few month later will get billed a reduced amount, after the insurance company chooses what they’ll cover.
I speak from experience. I was uninsured for a short time, and of course my appendix chose that time to rupture. I was admitted and in the ER instantly. Spent three days recovering in the hospital. Before I left the hospital had a bill for me. It was very high. I set up a payment plan. Eventually I stopped making payments, because I was broke. Hospital sent my bill to a collector. I blew them off.
Was unable to get a loan for a house for 10 years.
It’s largely because the “tens of thousands” is usually a result of being uninsured. And if you’re uninsured, it’s usually because you’re unemployed. And lenders tend to get squirmy at the idea of giving a loan to anyone who hasn’t been fully employed since the day they were born.
There was actually a rule implemented by the Consumer Finance Protection Bureau shortly after the pandemic, to prevent medical debt from impacting your credit history. Because lots of Americans were suddenly finding themselves in an awful job market with tons of medical debt from being sick. But last year, the fifth circuit court of appeals (the one that presides over Texas and Louisiana, and which is stacked with conservative judges as part of the Southern Strategy) voided the rule and allowed medical debt to appear on credit reports again. The ruling from the conservative court also prohibited the CFPB from implementing similar rules in the future.
There was actually a rule implemented by the Consumer Finance Protection Bureau shortly after the pandemic, to prevent medical debt from impacting your credit history. Because lots of Americans were suddenly finding themselves in an awful job market with tons of medical debt from being sick. But last year, the fifth circuit court of appeals (the one that presides over Texas and Louisiana, and which is stacked with conservative judges as part of the Southern Strategy) voided the rule and allowed medical debt to appear on credit reports again. The ruling from the conservative court also prohibited the CFPB from implementing similar rules in the future.
you have to wonder what kind of soulless, hateful, worthless pile of shit roughly packed into a humanoid shaped bag would look at medical debt not ruining peoples lives and go “You know what, thats not right. people need to be more fucking miserable” and sue to get it overturned.
I imagine it was something like “but the lenders deserve to know if you were in medical debt ever!! They didn’t save millions in case anything went wrong ever!!”
No, just like anywhere else, wait times are based on urgency. A severed limb will be taken instantly, a bloody nose will wait until there’s an empty bed. Doesn’t matter if you’re insured or not.
Uninsured will just get billed a full amount after the fact (payable in installments to the hospital), vs insured who might have to pay a copay, and then a few month later will get billed a reduced amount, after the insurance company chooses what they’ll cover.
I speak from experience. I was uninsured for a short time, and of course my appendix chose that time to rupture. I was admitted and in the ER instantly. Spent three days recovering in the hospital. Before I left the hospital had a bill for me. It was very high. I set up a payment plan. Eventually I stopped making payments, because I was broke. Hospital sent my bill to a collector. I blew them off.
Was unable to get a loan for a house for 10 years.
So insane that they see “oh he didn’t pay 10s of thousands for an unexpected medical debt, must be irresponsable with money.”
It’s largely because the “tens of thousands” is usually a result of being uninsured. And if you’re uninsured, it’s usually because you’re unemployed. And lenders tend to get squirmy at the idea of giving a loan to anyone who hasn’t been fully employed since the day they were born.
There was actually a rule implemented by the Consumer Finance Protection Bureau shortly after the pandemic, to prevent medical debt from impacting your credit history. Because lots of Americans were suddenly finding themselves in an awful job market with tons of medical debt from being sick. But last year, the fifth circuit court of appeals (the one that presides over Texas and Louisiana, and which is stacked with conservative judges as part of the Southern Strategy) voided the rule and allowed medical debt to appear on credit reports again. The ruling from the conservative court also prohibited the CFPB from implementing similar rules in the future.
you have to wonder what kind of soulless, hateful, worthless pile of shit roughly packed into a humanoid shaped bag would look at medical debt not ruining peoples lives and go “You know what, thats not right. people need to be more fucking miserable” and sue to get it overturned.
I imagine it was something like “but the lenders deserve to know if you were in medical debt ever!! They didn’t save millions in case anything went wrong ever!!”
That’s a great username btw
medical debt should never end up on a credit report.
Of course medical debt shouldnt exist as a concept. Funny how all but 1 of the major countries on earth have figured this out.