Whenever I went to Student Health for an appointment or to take medication, I had a positive experience. That is, until this semester, when I opened my email and became one of the 100 millions Americans with medical debts. Just over $ 600, to be exact. To some this may seem ridiculous, especially when 3 million Americans have over $ 10,000 in medicine debt. However, at least for me, $ 600 is a fifth of my semiannual income. Undue medical debt charges Americans and even students here at the university. While more complete and systematic change it is necessary within the medical system, two short-term solutions are a surge in the doctor diffusion – the effective communication of medical information – and the reduction of medical debt.
Fortunately, my medical debt is a one-time payment which isn’t always true for someone with a chronic illness disease. My personal situation stemmed from the lack of what is necessary provider-patient doctor diffusion. My supplier suggested I do some lab work, which I kept faith with, the process was simple and I got the results quickly. The medical debt came a few days later and left me perplexed. I had read the terms of my insurance with the understanding that some lab work would have a real cost. I was not told the cost prior to the lab work or was told the exact name of the labs so I could search for them. If I had known, I would have chosen not to do the lab work. Also, the workshops I had done weren’t even listed on the list laboratories which require a live cost.
Frustratingly, this isn’t even the first time I’ve been burdened with a medical debt out of my own pocket. Since out-of-state Medicaid is not viable in Virginia, I had to acquire the Health plan for Etna students through the University. When I got home for my annual eye check, my primary insurance was accidentally listed as Aetna in my file instead of Medicaid. I’ve never paid for anything out of my own pocket with Medicaid. However, once the suppliers know you have a market insurance plan in addition to one issued by the government, they will charge that of the market first. I had to pay $ 300 for my visit and was even issued a threatening letter that I would be taken to court if I didn’t pay the cost.
All of this is part of a bigger, more messy one problem in this country. Unfortunately, while I and many other Americans see health care as a Rightthere are lawmakers on both national And state levels that vote against reducing the burden of medical expenses. For example, as congressional officials debate whether or not to limit the cost of a similar drug insulin – for fear that doing so could acrobatics doctor innovation: people are is dying. Fortunately for some, medical debt is a one-time payment. However, for those with chronic diseases, this becomes a recurring phenomenon burden. While the medical debt disproportionately affects those with chronic diseases, up to 41 percent some Americans had medical debts. Two-thirds of Americans even cite medical debt as the number one reason for reporting failure. In addition to the cost of drugs, medical debt it can encompass a number of things from an accumulation of doctor visits, tests and vaccinations. Even the cost of routine blood tests, that is standard medical practice during annual medical examinations – it is serious inflatedand insurance companies benefit from keeping it that way.
So why is medical disclosure important? Well, the medical facilities talk to the insurance companies and the patient gets lost in the middle, but he is burdened with the monetary costs. Medical facilities and insurance providers only expect patients to understand every legal nuance of their insurance plans, plans which often Not written for the common man to understand. In fact, insurance companies want it to deny coverage of people to the extent that they can legally and will write their plans to exploit legal loopholes. For people with pre-existing health conditions, this becomes an even bigger problem. They face the burden of not only testing and drug costs, but may also be denied insurance despite the allegedly Affordable Care Act eliminating this restriction.
Grape. Health also works with this system of exploitation. Students with low income or with pre-existing conditions cannot in good faith rely on U.Va. Health will be their main provider of medical care. One reason is that the system has to outsource resources and services that cannot be provided in the center. This means that while health visits are free, lab work, medications, vaccinations, and other services often cost money. Also, Aetna Student Health Insurance pales compared to services covered by Medicaid and Medicare. This is compounded by the fact that out-of-state students whose primary insurance was Medicaid or Medicare may not be admissible for that service in Virginia.
Right now the national focus is on the cost of the federal student loan debt, something that disproportionately affects even low-income students. Nationally, the government must also make a plan to forgive medical debt. At the university, all student health services should be made free or a stronger insurance plan should be offered. It is long overdue for the University and national government to recognize and help mitigate instead of contributing to the overwhelming burden of medicine debt.
Yssis Cano-Santiago is opinion columnist for The Cavalier Daily. She can be contacted at [email protected]
The views expressed in this column are not necessarily those of The Cavalier Daily. The columns represent the views of the authors only.