ebookslot Chapter 3234 The Shadow of Faraines (Thirty-one)
Chapter 3234 The Shadow of Faraines (Thirty-one)
Many people on Bruce's list have recently moved to this community. The reason they moved here is very simple. Most of them are impoverished due to illness.
Many people may find it difficult to imagine how high the medical bills in the United States are. To sum it up in the most concise sentence, even if you are a billionaire, it only takes one night to fall back into poverty due to illness.
Some people may think this is an exaggeration, but in fact, the cost of medical bills in the United States has completely exceeded the normal range.
For example, in large cities on the east coast of the United States, the cost of normal hospital consultation is about a few hundred dollars.
Note that this is only the cost of consultation, which means that it costs a few hundred dollars to see a doctor.
After you have asked about your own situation and decided to undergo treatment, you will be charged separately according to the different drugs and instruments used. The most common CT examination without any insurance reimbursement will cost about 6,000-8,000 US dollars.
When you spend this money to take the film and then take the film to see a doctor, you will have to spend a few hundred dollars more for consultation fees.
When the doctor makes the next treatment plan for you based on the content on the film, you still need to pay in different categories.
For example, if you need to treat a fracture, in addition to paying for the materials, you also need to pay the doctor who treats you, and pay extra for each follow-up. When the wound heals and confirms that the splint can be removed, you still need to pay the consultation fee and operation fee.
The whole process does not sound particularly outrageous, but the problem is that if the money to be paid for each link is several thousand dollars, then for a simple fracture treatment, you will get a medical bill of about 60,000 to 80,000 US dollars.
This is just the cost of ordinary medical treatment. If it is an emergency, the cost will be about 5 to 8 times higher.
Some people will definitely think that if it is so outrageous, then Americans will die of illness at home.
But in fact, they raise the bill to this extent just to force people to buy insurance.
Take the insurance of American universities as an example. After purchasing various comprehensive insurances, the bill will shrink to about one twentieth. If the cost of insurance is included, the cost to be paid is about 5% to 10% of the medical bill.
Although it is outrageous to spend thousands of dollars for a fracture, if it is just an ordinary inflammation or cold, the cost is within the tolerance of ordinary people.
But this is only an ideal situation. In most cases, ordinary people cannot afford very complete insurance. There are many very expensive instruments that are not covered by any insurance company. You can only pray that you don’t get diseases related to this instrument, otherwise the bill will be very scary.
The most outrageous thing is that many instruments and drugs are designated hospitals. Suppose you bought package A, and the hospital you first visited used instrument B. Sorry, the instrument fee is not reimbursed.
If you want to reimburse the instrument fee, you have to find a hospital with instrument A, but the first consultation fee is not reimbursed.
After arriving at a hospital with instrument A, there are too many people using this instrument and you need to queue up, so you can only wait. If you don’t want to wait, you have to find a hospital with this instrument in other states.
But the cost of using this instrument in other states is also not reimbursed.
Instruments and other things are fine, but the key is drugs. If you buy insurance from a certain company, you can only use certain brands of drugs. If you don’t have such drugs, you can go to other states to buy them, but they will not be reimbursed at your own expense.
I believe many people have seen the trick. If you choose one state to sell a certain type of drug within the five states, and the other four states don’t sell it, and this drug is relatively common and has a high profit margin, then the residents of the other four states can only come to this state to buy this drug.
The insurance purchased by residents of the other four states covers this drug, but this state does not have it, so it cannot be reimbursed. The only state that has this drug does not include this drug in any insurance contract, so it still cannot be reimbursed.
The insurance company that rules these five states makes money without any hesitation.
This is just the simplest means of grafting. Almost every sentence in the complex insurance contract is a trap. When it comes to seeing a doctor, almost no American can achieve perfect reimbursement. Most of them report some and give up some, and just make back the insurance money.
Even so, about one-third of Americans cannot even make back the insurance money they paid, which is basically equivalent to not having a successful reimbursement.
Some people may say that this insurance is so bad, why buy it?
But if you don't buy it, the hospital has already raised the bill to an outrageous astronomical figure because of cooperation with the insurance company. As mentioned before, a small illness will cost tens of thousands of dollars, which no one can afford.
The American medical system is a capital "choose the lesser of two evils". If you buy it, it may not be reimbursed, and if you don't buy it, you can't afford it, so you can only spend the insurance money to gamble.
The Siltec Medical Insurance Company obviously did this a lot. Bruce just checked it on the Internet and found five or six hundred complaints related to insurance compensation business in this city, and all of them happened this year.
After screening, Bruce found about forty or fifty families who did not receive any compensation and fell into a lower class because of it, most of which also involved human lives.
Generally speaking, the hospital will treat first and then collect the money, and then send the bill after the treatment. However, the first course of treatment is also called treatment, but people who have encountered strange events cannot be cured by one or two courses of treatment.
Without follow-up insurance, it would be impossible to afford the first course of treatment, let alone follow-up treatment, and he would have no choice but to be kicked out of the hospital and left to die.
This is the case at the home of Ms. Teresa, whom Bruce just visited. Her daughter encountered a strange incident and suffered extensive burns all over her body. However, the insurance company refused to pay for it because the insurance situation was unclear.
The reason for refusing compensation is probably that although she did encounter a weird incident, her burns had nothing to do with the weird incident. It was because someone accidentally set the curtains on fire while escaping, and Ms. Teresa's daughter did not run away immediately. went out and was not directly caused by the monster, so no compensation is paid.
Yes, in insurance contracts in most states in the United States, if you have the opportunity to avoid danger, no compensation will be paid if you do not take the initiative to avoid it in time, and you may even be sued for insurance fraud.
In order to treat her daughter, Ms. Teresa spent all her family's savings and divorced her husband. Her life plummeted, so she had no choice but to move to a slum from a middle-class community.
There are probably more than sixty victims of situations like Ms. Teresa's this year, all of them silently acknowledged.
It’s not that they want to admit it, the point is that this situation is so common that basically there is no one in the United States who has not experienced this kind of thing.
During the Gotham renovation project, in order to improve people's livelihood, Bruce also wanted to introduce better insurance business to Gotham, but the whole process was a mess and the result was a mess.
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To say that it has been introduced, it has indeed been introduced, but it has only improved the situation where no insurance company dared to insure Gotham people in the past. As for the packages and terms, there is no discount at all.
Even a super rich man like Bruce, who has the most professional team of lawyers, would hardly be able to take advantage when he quarreled with the legal representatives of a medical insurance company.
After all, after the decline of the U.S. manufacturing industry, the status of manufacturing and industrial giants like Wayne Group has gradually declined. Even though Wayne Group is still a military-industrial complex, even the military industry is almost gone, and it is no longer a complex.
Even Bruce Wayne would have a hard time picking meat out of the mouths of health insurance giants, let alone ordinary people.
This group of people wanted to identify, but Bruce had no intention of letting them. Although the number of people was not very large, the situations they encountered were very extreme. Many of them were facing the death of their loved ones. The incident had not long passed, and those extreme emotions could be Not completely digested.
Bruce and the Pale Knight, dressed in expensive suits, designer watches and brand-name jewelry, went from house to house, making all kinds of sarcasm and ridicule, filling their hearts with hatred.
And Bruce accidentally or unintentionally revealed the news that Old Siltke would participate in a news interview, and said that in addition to Old Siltke, there would also be well-known hosts and experts in the medical insurance industry, as well as many A journalist with a sharp writing style.
After completing his mission, Bruce parked the luxury car back to its original location, drove the original pickup truck, came to the park next to the News Broadcasting Center, and found a secluded place to park the car.
He walked around and found that many reporters were already squatting. They parked their cars near the TV broadcast center, opened half of their car windows, and scanned the passing pedestrians with sharp eyes like hawks.
Bruce and the Pale Knight, two well-dressed men, immediately caught their attention.
Bruce and the Pale Knight walked into a coffee shop. Almost immediately, a hooded man walked out of a black car parked on the side of the road, holding a square microphone in his hand.
A woman in professional attire also walked out of the street opposite him. The two exchanged glances and looked at Bruce and the Pale Knight standing at the front desk of the coffee shop.
Bruce casually ordered two cups of coffee and found a seat by the window to sit down. He was afraid that others would not see him. After a while, a woman in professional attire came over with a smile and said, "Good afternoon. Are you from the TV Broadcasting Center?" staff?”
Bruce looked at the woman, deliberately keeping his eyes on her exquisite makeup for two seconds, and then said very enthusiastically: "No, ma'am, we are staff from the public relations department of Siltec Medical Insurance Company..."
A glint immediately flashed in the woman's eyes, and she said, "I am the host of the TV station. The seat by the window is full. Can I share a table with you?"
"Of course, this afternoon is even better with a beautiful lady like you." Bruce put his hands on the table and stared unblinkingly at the woman's face.
The woman sat down, smiled at the staff delivering coffee, and then turned around and said, "Your boss has an interview tomorrow morning. He should be well prepared, right? In fact, I have just been transferred here not long ago. Time, I haven’t seen such a big shot before, so I am inevitably a little nervous.”
"Oh, I'm fine, madam, our boss is a very approachable person. He even arranged for me to comfort some customers who failed to receive insurance compensation today..."
The woman's eyes lit up and she said, "Soothing? How did you comfort me?"