Insurance is a crazy business. I'm in Australia and I recently had day surgery for a hysteroscopy and a D&C. I had to pay $200 as an insurance excess - I think in the US you would call that co-pay) so my theatre fees were covered, but the surgeons fees aren't, which means I had to pay $900 from my own pocket.
The govt has legislated that health insurance providers cannot cover surgeons fees. So if I need more surgery (and I do) I can't have it unless I can pay for it, or I can go on the public health care waiting list but that could take years. People die waiting for treatment. |