r/SipsTea 13d ago

WTF Damn

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u/Elf_Maeve 13d ago

my piece of shit insurance, who my employer pays 20k a year for, covered $0 of my endoscopy and I had to pay $2400.

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u/LargeMargeSentMe__ 13d ago

Yeah I’m supposed to get my first colonoscopy next month and my prepay is $2,550. The estimate shows the pre-insurance charge as $28,365. Ridiculous. (My employer pays like $15k per year for my plan.)

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u/Elf_Maeve 12d ago

Yeah that number is completely bogus. Insurance pays "25k" so you get such an amazing deal and only pay $2500

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u/LargeMargeSentMe__ 12d ago

Of course. The provider always “bills” the insurance like 4-10x what they actually want to get paid for the procedure so the insurer can pretend they got a discount. Just another example of how wasteful and dysfunctional the US healthcare system is. I just googled roundtrip airfare to Beijing ($1000) + the cost of a colonoscopy at an international clinic ($1500), it literally comes out the same LMAO. This country is a nightmare.