r/SipsTea • u/DapperDusk • Aug 22 '26

WTF Damn

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51.7k Upvotes

93% Upvoted

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42

u/Elf_Maeve Aug 22 '26

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

19

u/chravus Aug 23 '26

Man you really took that one up the ass.

3

u/Elf_Maeve Aug 23 '26

I actually did also have a colonoscopy but was covered because i hit my 6500 yearly out of pocket maximum lmao

2

u/Dear_Palpitation4838 Aug 23 '26

Down the throat but I’m sure it was equally degrading. 🤣

2

u/bpivk Aug 23 '26

Umm deapthroted but your point is valid. 🤣

2

u/LargeMargeSentMe__ Aug 23 '26

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.)

2

u/CPAPGas Aug 23 '26

I paid $1200 for a colonoscopy in Bangkok.

I've been told I paid too much.

2

u/Elf_Maeve Aug 23 '26

Does sound expensive... In my home country, which I will keep private, it's like $150-200 USD... but I lived in the capital of my state and the government run healthcare system is pretty nice.... so mine was free (the one I had done in my home country many many years ago).

1

u/os_2342 Aug 23 '26

My last one was free, here in Australia.

1

u/Elf_Maeve Aug 23 '26

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

1

u/LargeMargeSentMe__ Aug 23 '26

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.

1

u/EnronCheshire Aug 23 '26

Damn. And said employer only has one option for individual coverage under their group plan?

1

u/Elf_Maeve Aug 23 '26

you mean family vs individual? no theres family but my employer doesnt cover most of the extra premium for family.

we can see how much we pay and how much our company pays when we pick plans. individual they foot all the bill. family adds an extra $800 a month

1

u/BlueberryNo6811 Aug 23 '26

Paying in order to pay some more.