this post was submitted on 28 Oct 2023
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No Stupid Questions

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I’m Canadian. And I’m already sorry for asking an ignorant question.

I know you have to pay for hospital visits in the states. I know lower economic status can come with lower access to birth control and sex education. But then, how do they afford to give birth? Do people ever avoid hospital visits because they don’t feel like they can’t afford it?

Do hospitals put people on a payment plan? Is it possible to give birth and not pay if you don’t have the means? How does it work in the states?

How does it all work?

Again. Canadian. And sorry.

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[–] Ktanaqui@lemm.ee 14 points 1 year ago (1 children)

As far as I know, Hospitals are not allowed to refuse you care; no matter what your finances are, they have to help you. Many people would go to ER for non-ER reasons because it was/is the only way for them to get treatment. (Because other medical centers can refuse you.)

The hospitals will try to get the money from you however they can and they do offer payment plans based on income. Ultimately, though, due many? The debt gets discharged to a debt collection agency that harasses you incessantly for 7 years until it gets discharged from your record.

It destroys your credit (an arbitrary number that every citizen has that supposedly shows how trustworthy they are and how much they are likely to pay you if you loan them money) until it drops off after the statute of limitations (7-10 years, depending on the state).

[–] jeffw@lemmy.world 9 points 1 year ago* (last edited 1 year ago) (3 children)

Unless you enter through the ER, a healthcare system can deny you.

Also, the ACA requires hospitals have a charity care program and notify people about it (often buried pages deep in your discharge papers). If you qualify, they’ll write off your debt and count it towards their “charity care,” which helps them justify their non-profit status, when applicable. The ACA has no rules about what charity care looks like and the hospital can set whatever criteria they want (some may have charity for those under 100% FPL, others higher).

Source: I’m in a masters program studying this

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[–] Vox@lemmy.blahaj.zone 11 points 1 year ago (1 children)

me and my two brothers were at home births

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[–] electrogamerman@lemmy.world 11 points 1 year ago (14 children)

Question to Americans, is it a secret way to make poor people not have children?

[–] Ookami38@sh.itjust.works 9 points 1 year ago

If it is, it's a bad one lol. Poor people tend to have more kids, just in general, and that doesn't change in the states.

[–] Kage520@lemmy.world 9 points 1 year ago

No I think it's the opposite. They expect people to get pregnant and have kids (though with abortion and birth control that is happening less- hence targeting those recently). This is designed to make sure they stay poor so that the wage slave class stays well populated.

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[–] ryathal@sh.itjust.works 8 points 1 year ago (5 children)

Healthcare in the US generally screws the middle, not the poor, even then it's the lower middle. The poor qualify for Medicaid which generally pays for anything major and basic healthcare, though options may be limited. The old get Medicare which covers pretty much everything outside a nursing home for fairly little out of pocket. The middle and upper class generally has decent insurance that isn't crazy expensive to have and doesn't have a ton of out of pocket costs provided by an employer.

It's the people with high deductible plans that can't or won't contribute to an hsa, and those that don't have employer provided healthcare that really get screwed.

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[–] Gigan@lemmy.world 8 points 1 year ago

Ours was completely covered by state provided health insurance.

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