- Joined
- Jun 19, 2020
Okay so our insurance system is kind of wild. You have insurance, which is what you pay every month to the insurance provider. You have a co-pay, eg $25 to see a service provider (doctor, therapist, etc.) and the doctor also bills your insurer to get paid a pre-negotiated amount, but usually they have to negotiate down and it's a whole thing where providers get ripped off a lot of the time. You have deductibles, and this is what you have to spend out of pocket before your insurance kicks in and actually starts paying for shit.I never even considered this point, you're right why give $10k in cash to your mentally ill tear away when you could just provide them the services. Very strange.
It feels a bit optimistic to just explain this as the father being too trusting, and Faith laying it on thick. She's a manipulative person and she was talking to the person she is probably had the most practice manipulating. However, the cynic in me tells me this doesn't quite add up.
I don't know how any of this works as I don't live in the States, surely mental health would be part of the minimum coverage under the ACA, or am I just completely wrong here?
So if they have a $3k deductible (optimistic as fuck), they had to pay $3k out of pocket for the year (not including copays) before the insurance kicked in (from my experience this would be plan-wide, so across their entire family, not just Faith.) Insurance may not even cover all of hospitalization so you'll have parts of her stay covered and parts you still have to pay for out of pocket. Same with medications (some medication won't be covered, you may have to pay full price for those, it's a whole thing), lab tests, etc. It's very convoluted but if she was in some kind of intensive program for ten days they could have lost $10k easily just on that.
I'm just confused because the timeline is a bit convoluted. There are reports that they sent the $10k to her directly after she left home, sometimes it seems like they spent all that with their trip and her hospitalization. Insurance is a nightmare even if you have a good plan.
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