Those Without Health Insurance Hurt Twice

When attempting to understand the complex issues surrounding health care reform, it’s sometimes helpful to look at a sliver of the problem.

Even though I am unemployed, I am lucky to have health insurance through The Courant’s retirement health insurance.

The difference between what I have to pay for routine health checks and what someone who doesn’t have insurance has to pay became clear when I recently received a bill for routine blood work required four times a year because I take statins.

My portion of the bill was $12.10 on an initial bill of $123.39.

The reason I only had to pay less than 10 percent of the bill was not because my insurance company paid the rest.

It was because my insurance company ONLY PERMITTED the laboratory to charge me $12.10. My insurer paid nothing.

That means that those poor folks without health insurance end up subsidizing my health care by being charged the FULL $123.29 because they don’t have an insurer behind them.

And this is only for routine blood work. Imagine when someone without insurance has to be hospitalized for a couple of days. For many without health insurance, one trip to the hospital means financial disaster.

How fair is that?

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2 Comments on "Those Without Health Insurance Hurt Twice"

  1. Imagine a family of 3 paying $520/month for employer based health insurance, on top of actual medical bills. Now add 30 million people who don’t have insurance to my premiums. Now you understand why 60% of americans are against the President’s plan.

    The problem is not health insurance companies, its doctors and hospitals charging as much as they can get away with.

  2. HENRY CONTI | March 22, 2010 at 3:29 pm |

    THER HAVE BEEN TIMES WHEN I DIDN’T HAVE HEALTH INSURANCE–I WOULD TELL THE PROVIDER “I WILL PAY U WHAT THE INS CO WILL PAY PLUS CO-PAY—IF U DON’T LIKE IT “SUE ME”—–EVERY TIME THERE TOOK WHAT I OFFERED!

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