How does private health insurance work in the US? For example if a woman is pregnant and has no health insurance what happens? I watched that documentry sicko the other day and I'm stunned? Is it really like that or was it just crap? Also how much does insurance cost per month for a family? Will doctors really not treat you if you are not insured?
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It's not as bad as it seems on Sicko. Noone takes Michael Moore seriously anymore. 1. We pay a company money so that they can lower the cost of medications/hospital visits/ etc. Sometimes the insurance company pays the total cost (as in emergency room visits for my plan with Horizon Blue Cross). Other times we have to pay "copays" like $1 for antibiotics which usually cost 10 bucks and the insurance company pays the rest. 2. If a woman is pregnant and has no insurance then she has to pay the full amount it costs to give birth. The hospital usually works with the patient to set up a method of payment if necessary. 3. Sicko is the worst case scenario. Sometimes the insurance company does not cover all types of treatment (experimental or weird like Chinese Herbal Medicine for cancer) and will leave you with the bill. 4. Avg $1800 per year for adult individually and $4800 per year for a family depending on health and other factors such as age. 5. There have been some cases in which some patients have been "dumped" by hospitals on the street next to free clinics.
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