This is probably not the usual kind of post you get here, but please let me explain.
I'm a screenwriter from a country with universal healthcare but for my current work I need to understand the pitfalls of the U.S. healthcare system and how they impact people in a 1) financial manner; 2) in a personal way e.g. quality of healthcare, stress etc.
If it is within the terms allowed here, I would greatly appreciate some insight into topics such as the following (otherwise moderaters feel free to delete this):
1) Who pays for your health insurance?;
2) Does the level of coverage and deductibles vary substantially by insurer or plans within insurers? (Please do not mention any insurers by name).
3) Are some insurers more likely to try to get out of paying your bills than others? How do they attempt to do/justify this? (Again, please do not mention any insurers by name)
3) When you owe money to a health care provider, how do they attempt to reclaim your debts? (Please do not mention any health care providers by name).
4) Do insurers and/or health care providers attempt to "ditch" people with long-term illnesses (i.e. long term liabilities) vs acute patients? If yes, what tactics do they use?
5) How do you cope with the financial and emotional stresses involved?
Any insights are much appreciated, but please do not provide your name or personal details, or those of other entities.
If you are curious, I am from Australia where there is universal health care but also optional private care for those who decide they want it. It's a bit of an odd hybrid mix and would be happy to answer questions about it if anyone is curious, but I'm not interested in "my country's health system is better than yours" discussions.
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