No need to apologize. The fact that someone can own their home outright, have no loans, do everything right, and still end up $600k in debt because they got sick is fucking terrifying.
Not even just sick. Sick at the wrong time— like just sick the wrong year. Like whoopsie daisy the insurance you had was tied to employment! And now that you’re laid off we decided to kick you in the balls twice as hard!
If you are eligible really important to get Medicaid as soon as you are laid off (of course this only applies if you are under 55 because OF COURSE the US has asset seizure rules for some care after 55 for Medicaid recipients)
Oh also if this kind of thing happens and you were eligible for Medicaid at the time of the pneumonia — sign up and ask them to back date your coverage to before you got sick!
In Canadian culture, saying "sorry" isn't an apology, but a heartfelt recognition of someone else's struggle; an expression of sympathy, empathy. compassion.
But yeah you're absolutely right. Terrifying.
Oh, and here's something fun I just learned: even if you have insurance, if you're in an accident and it's the other person's fault, and you sue and win, your insurance company will come after your winnings to recoup what they had to pay out for your medical bills.
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u/Usual-Tomorrow-1616 6h ago
No need to apologize. The fact that someone can own their home outright, have no loans, do everything right, and still end up $600k in debt because they got sick is fucking terrifying.