Health care in the USA

The healthcare system is a mess in the U.S.A. From what I know most people get healthcare as part of their full-time jobs (employer provided benefits) and some others get private insurance, which is often pretty expensive and can be very limited. Last, people can also get government-provided healthcare through medicaid under some conditions, but all poor people don't even qualify which means that lots of people with low or no incomes cannot always get health insurance or the like and can only get emergency help.

Healthcare doesn't work with deductions of income directly as part of some nationwide policy or tax deduction, but on billing the person after the services (if they don't have insurance in an emergency) or validating insurance beforehand and then seeing what was covered after the fact (sometimes you get billed for procedures your insurance won't cover after it was determined/done/etc.). Not sure how it works exactly with full-time employees of certain company sizes, but usually a big company with a lot of workers offers health plans to them by law, but they still may have to pay for it (someone else could explain this better than me probably).

The problem is that not everything is covered with insurance plans in certain situations (like emergencies and depending on what services doctors choose) so you might get billed for certain services after anyways (charged on top of having insurance).

I think it isn't a good thing that many people depend on full-time jobs for health insurance and etc. Private insurance or insurance shopping in general requires a decent income and that would require a decent job/business of some sort, assuming you dont get insurance through your work/union. Lots of struggling people can't qualify for any free or even affordable insurance, despite sometimes really needing it. If you lose your job you can lose your health insurance along with it, leaving you with none or forced to find another job that provides it or paying for private plans usually.

Unless disabled (and even then not always) or in very particular circumstances, lots of people can't get insurance without a steady job/union/etc. with insurance provided or good enough money/income/etc. to just have the insurance regardless.

But basically you verify ahead or get billed afterwards if you have no insurance in emergencies. You can't do any routine medical checkups or doctor visits/etc. without a particular insurance policy that specifically covers it.

In any other case you pay out of pocket, and that is even more expensive usually.

The U.S. insurance market(s) need(s) improvement fast. Too much dissatisfaction and high costs with sometimes too limited coverage/etc.

From what I've seen, someone who has medical insurance, and has to go to the hospital, will usually be taken in, have treatment done, and depending on whether they have already paid their deductible or not (it's a certain amount of money you have to pay before the insurance kicks in), will determine how big or small the bill is. If you've already had to pay for medical services for that month and paid the amount in your deductible, then the insurance steps in and pays for a large bulk of the medical bill that comes up for whatever it was you were in the hospital for. Same goes for visiting the doctor. Family insurance covers kids up until the age of 26.

Doctors are also restricted as to which insurance agencies they work with. The practical doctors work with 5 or 6 insurance companies in regards to what their patients are covered by. The really stupid doctors only work with 1 or 2 insurance companies, and it severely limits the number of patients that can work with them.

There are some medical procedures that aren't covered by insurance, such as plastic surgery. It's considered Elective Surgery, and has to be paid out of pocket.

I belong to Kaiser Permanente health care provider. $45 a month for membership, and very reasonable payment for medication (ranging from $8 to $40).

It's based on a scam called "insurance" whose complexity is exceeded only by the tax code. If you don't have insurance then you better be rich or suffer, possibly die. If you do have insurance then the insurance will pay a portion of your medical bills unless it gets really expensive or they can find a loophole, which is why it's needlessly complex. Doctors have to hire about 10 extra women to do all the paperwork which makes medicine more expensive than insurance will pay so every few years you get a ding on your credit record and hounded by a bill collector because some lazy doctor forgot to file an insurance claim and just said phukkit and sent your bill to collections. I think insurance requires all insurance people to be women because I've never seen a man in doctor's office unless he was a doctor. Everyone hates insurance but most have been brainwashed into believing it is freedom so we will fight to the death to keep this terrible broken system because it's better than being called a communist.