Chapter 3260: The Shadow of Faraines (31)

Chapter 3234 The Shadow of Faraines (31)

In Bruce's list, many people have just moved to this community. The reason they moved here is very simple. Most of them are impoverished due to illness.

It may be difficult for many people 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 entering a hospital for a consultation is about a few hundred dollars.

Note that this is only the cost of the 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 it to the doctor, you still have to spend a few hundred dollars for the consultation fee.

And when the doctor makes the next treatment plan for you based on the content of the film, you still need to pay in different categories.

For example, if you need to treat a fracture, in addition to paying the material fee, you also have 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 have 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 have to 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 a cold, the cost to be paid is within the affordability of ordinary people.

But this is only an ideal situation. In most cases, ordinary people cannot afford very comprehensive 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 have designated hospitals. Suppose you bought package A, and the hospital you first visited used instrument B. Sorry, the instrument fee will not be reimbursed.

If you want to reimburse the instrument fee, you have to find a hospital with instrument A, but the fee for the first consultation will not be 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 another state.

However, if you use this device in other states, the cost will not be reimbursed.

The device and other things are fine, but the key is the medicine. If you buy insurance from a certain company, you can only use certain brands of medicine. If you don’t have such medicine, you can go to other states to buy it, but it will not be reimbursed at your own expense.

I believe many people have seen the trick. If you choose one state in the five states to sell a certain type of medicine, and the other four states don’t sell it, and this medicine 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 medicine.

The insurance purchased by residents of the other four states covers this medicine, but this state does not have it, so it cannot be reimbursed. The only state with this medicine does not include this medicine 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 will reimburse some and give up some, and just make back the insurance money.

Even so, about one-third of Americans cannot even earn 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.

Siltec Medical Insurance Company has obviously done 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, most of which involved human lives.

Generally speaking, the hospital will treat the money first, and then send the bill after reading the disease, but the first course of treatment is also called cure. People who encounter weird events can not be cured in one or two courses at all. Essence

Without the follow -up insurance premium, it is impossible to afford the cost of the first course of treatment, let alone follow the follow -up treatment. You can only be kicked out of the hospital for life and death.

This is what Bruce just visited Ms. Trysa's house. Her daughter suffered a weird incident and burned a large area of ​​her body, but she was refused by the insurance company because she was defined unknown because the insurance situation was unknown.

The reason for the rejection is probably. Although she did encounter weird incidents, her burns had nothing to do with the weird incident. When someone escaped, she accidentally lit the curtains, and Ms. Teresa's daughter did not run as soon as possible. Go out instead of the monster directly, so do not pay.

That's right, in the insurance contracts in most U.S. states, without the opportunity to avoid danger, they did not take the initiative to avoid or pay in time, and may even be prosecuted to deceive insurance.

In order to treat her daughter, Ms. Teresa spent all her savings at home and divorced her husband. Her life plummeted, so she could only move from the middle -class community to slums.

The victims of the situation like Ms. Teresa had about sixty this year, and everyone of them silently recognized.

It is not that they want to recognize. The key is that this is too common, and basically the United States cannot find someone who has not experienced such a thing.

When conducting the Gotham transformation project, in order to improve the situation of people's livelihood, Bruce also wanted to introduce a better insurance business for Gotham, but the whole process was a confusion, and the result was a mess.

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It is indeed introduced after the introduction, but it only improves the situation that the insurance company dared to give the Gotham people's insurance at all.

Even if it is a super rich like Bruce, it has the most professional lawyer team, and the legal representatives of the medical insurance company are difficult to take advantage of the skin. At most, it is just a tie, and the concession should be concessions.

After all, after the decline of the manufacturing industry in the United States, the status of manufacturing and industry giants such as Wayne Group gradually declined. Even if Wayne Group is still a military complex, even the military workers are almost gone, and they can't talk about any complex.

Even Bruce Wayne is difficult to pick out the meat from the mouth of the medical insurance giant, let alone ordinary people.

This group of people want to recognize that Bruce did not intend to let them recognize. Although the number of people was not many, the situation they encountered was extremely extreme. Many people were facing the death of the relatives. Not completely digested.

Bruce and Palm Knight wore expensive suit, wearing famous watches and brand -name jewelry, and took a walk from house to house, all kinds of irony and mockery, full of hatred.

并且布鲁斯在有意无意之间透露出老西尔特克将会参加一场新闻采访的消息，并表示除了老西尔特克之外，到场的还有知名主持人和医疗保险行业的专家，以及许多A sharp style reporter.

After completing his own task, Bruce stopped the luxury car back to the original position, drove the original pickup, came to the park next to the news broadcast center, and found a secluded place to stop the car.

He turned around and found that many reporters were already squatting. They parked the car near the TV broadcast center, opened half of the window, and glanced at the past pedestrians with sharp eyes like eagle.

Bruce and Palm Knights, the two people who dressed quite highly, immediately caught their attention.

Bruce and Palm Knight walked into a coffee shop, almost immediately, a man wearing a hood with a hood with a hood with a square microphone in a black car stopped by the Dao was holding a square microphone.

The street opposite him also came out of a woman wearing a professional dress. The two exchanged their eyes and looked at Bruce and Palm Knights standing in the front of the coffee shop.

Bruce ordered two cups of coffee casually, found a window to sit down, for fear that others could not see him. After a while, a professional woman smiled and walked over and said, "Good afternoon, you are the TV Broadcasting Center Is the staff member "

Bruce looked at the woman and deliberately stopped her eyes on her exquisite makeup for two seconds, and then said very warmly: "No, lady, we are the staff of the public relations business department of the Semoltick Medical Insurance Company ..."

A woman's eyes flashed a trace of light immediately. She said, "I am the host of the TV station, and the location of the window is full. Can I fight with you a table?"

"Of course, this afternoon is more beautiful because you have a beautiful lady like you." Bruce said on the table, staring at the woman's face blinking.

The woman sat down, smiled at the staff who gave coffee, and then turned around and said, "Your boss has an interview tomorrow morning, should he be prepared well? Actually, I just tune here. Time, I haven't seen such a big man yet, it is inevitable a bit nervous. "

"Oh, I'm fine, lady, our boss is a very approachable person. Today he also arranged for me to appease some customers who failed to get insurance money compensation ..."

The woman's eyes lighted up and said, "Soothing? How do you soothe?"