Dr.Who
Well-Known Member
I would hope so, its the employer plan. His $4k is still his share of the bill after his insurance. He was also made to jump through a bunch of different referrals, and consultations and then had to wait until the insurance company decided they should allow the surgery or face a lawsuit.
This was what I was expecting you to say and the reason I asked the question. So, it turns out that he did not get to pick his policy at all; his employer picked it for him. Perhaps we would all have better policies if we all picked them and then rewarded good companies.
He is lucky to even get coverage. He has a bad back and shoulder from previous injuries working for decades on fishing boats and the pipeline.
He has known he needed shoulder surgery for a year. It took that long to get approval.
He certainly is not a rich man. That is the problem in rural Alaska. Wages are generally higher because of various COLA allowances due to the often unimaginable costs of vital goods. So we generally dont qualify for such programs. But are living nearly paycheck to paycheck. An planned expense of a few thousand dollars makes for potentially lean and cold times.
I hope all works out well for him. But as we can all see every action has consequences and when the gov encouraged people to get insurance primarily from their employers there were consequences.