Among Bruce's list, there are many people who have recently moved to this community. The reason why they moved here is also very simple. Most of them are poor due to illness.
It may be difficult for many people to imagine the high level of medical bills in the United States. To sum it up in the simplest sentence, even if you are a billionaire, it only takes one night to return to 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 a normal visit to a hospital for consultation is about a few hundred dollars.
Note that this is only the cost of consultation, which means that it will cost you several hundred yuan to see a doctor.
After you have asked about your situation and decided to undergo treatment, you will be charged separately depending on the drugs and equipment used. The most common CT examination without any insurance reimbursement will cost about US$6,000-8,000.
When you spend the money to take the X-ray and then take the X-ray to the doctor, you will still have to spend several hundred yuan in consultation fees.
And when the doctor formulates the next treatment plan for you based on the content on the film, you still need to pay separately.
For example, if you have a broken bone that needs to be treated, in addition to paying for the materials, you also have to pay the doctor who treated you. There is an additional fee for each follow-up visit. When the wound is healed and it is confirmed that the splint can be removed, you also have to pay the consultation fee and the treatment fee.
Operating fee.
The whole process doesn't sound too outrageous, but the problem is that if each step costs thousands of dollars, then for a simple fracture treatment, the medical bill you will get is about 60,000 to 80,000 US dollars.
This is only 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 all Americans will die of illness at home.
But in fact, they raise the bill fees to this level just to force people to buy insurance.
Taking the insurance of American universities as an example, after purchasing various comprehensive insurances, the bill will be reduced 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 broken bone, if it is just a common inflammation or cold, the cost is within the reach 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 will not get diseases related to this instrument, otherwise
The bills can be scary.
The most outrageous thing is that many instruments and drugs are designated by hospitals. Suppose you buy package A and the hospital where you see a doctor for the first time uses instrument B. Unfortunately, the cost of the instrument will not be reimbursed.
If you want to reimburse the cost of the instrument, you have to go to a hospital that has instrument A, but the cost of the first consultation is not reimbursed.
After arriving at a hospital with instrument A, there are too many people using this instrument and they have to queue up, so you have to wait. If you don't want to wait, you have to find a hospital in another state that has this instrument.
However, if you use this device in other states, the cost will not be reimbursed.
The instruments and everything are fine, but the most important thing is the medicines. If you buy insurance from a certain company, you can only use certain brands of medicines. If you don't have such medicines, you can go to other states to buy them, but you won't be reimbursed at your own expense.
I believe many people have seen the trick. If one state is selected to sell a certain type of drug among the five states, and the other four states do not sell it, and this drug is relatively common and has a high profit margin, then
Residents of the other four states can only come to this state to buy this drug.
The insurance purchased by residents of the other four states covers this drug, but this state does not, so it cannot be reimbursed. The only state that has this drug does not include it in any insurance contract, so it still cannot be reimbursed.
The insurance companies that rule these five states are making money while standing.
This is just the simplest way of substituting another thing. Almost every sentence in the complicated insurance contract is a trap. When it comes to seeing a doctor, almost no American can perfectly reimburse them. Most of them pay some and give up some.
, it’s enough to almost get the insurance money back.
Even so, there are still about one-third of Americans who cannot even earn back the insurance premiums they paid, which is basically the same as not being reimbursed even once.
Some people may also say, this insurance is so scam, why should I buy it?
But if you don't buy it, the hospital has already raised the bill to an outrageous astronomical figure because of its cooperation with the insurance company. As mentioned before, a simple illness can cost tens of thousands of dollars, which no one can afford.
The American medical system is a capital case of "the lesser of two evils." If you buy something, you may not be reimbursed, and if you don't buy it, you won't be able to afford it, so you can only gamble with your insurance money.
Siltec Medical Insurance Company obviously does this kind of thing. Bruce just randomly checked on the Internet and found five to six hundred complaints related to insurance compensation business in this city, and they were all from this year.
happened in.
After screening, Bruce found about forty or fifty families who had not received compensation at all and had fallen into class as a result, most of which also involved human lives.
Generally speaking, the hospital will treat first and then collect the money, and then send the bill after the treatment. However, the first course of treatment is also called treatment, but people who have encountered strange events cannot be cured in just one or two courses of treatment.
Without the follow-up insurance money, it would be impossible to afford the first course of treatment, let alone follow-up treatment, and he would have no choice but to be kicked out of the hospital and left to die.
This is the situation at Ms. Teresa's home that Bruce just visited. Her daughter encountered a strange incident and suffered extensive burns all over her body. However, the insurance company refused to pay for it because the insurance situation was unclear.
The reason for refusing compensation is probably that although she did encounter a weird incident, her burns had nothing to do with the weird incident. It was because someone accidentally set the curtains on fire while escaping, and Ms. Teresa's daughter did not run away immediately.
It was not directly caused by monsters, so no compensation will be paid.
Yes, in insurance contracts in most states in the United States, if you have the opportunity to avoid a danger, no compensation will be paid if you fail to avoid it in a timely manner, and you may even be sued for insurance fraud.
In order to treat her daughter, Ms. Teresa spent all her family's savings and divorced her husband. Her life plummeted, so she had no choice but to move to a slum from a middle-class community.
There are probably more than sixty victims of situations like Ms. Teresa's this year, all of them silently acknowledged.
It’s not that they want to admit it, the point is that this situation is so common that basically there is no one in the United States who has not experienced this kind of thing.
During the Gotham renovation project, in order to improve people's livelihood, Bruce also wanted to introduce better insurance business to Gotham, but the whole process was a mess and the result was a mess.
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To say that it has been introduced, it has indeed been introduced, but it has only improved the situation where no insurance company dared to insure Gothamites in the past. As for the packages and terms, there is no discount at all.
Even if a super rich man like Bruce, who has the most professional team of lawyers, can take advantage of the dispute with the legal representatives of the medical insurance company, it will be a tie at most, and he has to make concessions where necessary.
After all, after the decline of the U.S. manufacturing industry, the status of manufacturing and industrial giants like Wayne Group has gradually declined. Even though Wayne Group is still a military-industrial complex, even the military industry is almost gone, and it is no longer a complex.
Even Bruce Wayne would have a hard time picking meat out of the mouths of health insurance giants, let alone ordinary people.
This group of people wanted to identify themselves, but Bruce had no intention of letting them identify them. Although the number of people was not large, the situations they encountered were very extreme. Many of them were facing the death of their close relatives. The incident had not passed long ago, and those extreme emotions could be
Not completely digested.
Bruce and the Pale Knight were dressed in expensive suits, designer watches and brand-name jewelry, and walked around from house to house, making all kinds of sarcasm and ridicule, filling their hearts with hatred.
And Bruce accidentally or unintentionally revealed the news that Old Siltke would participate in a news interview, and said that in addition to Old Siltke, there would also be well-known hosts and experts in the medical insurance industry, as well as many
A journalist with a sharp writing style.
After completing his mission, Bruce parked the luxury car back to its original location, drove the original pickup truck, came to the park next to the News Broadcasting Center, and found a secluded place to park the car.
He walked around and found that many reporters were already squatting. They parked their cars near the TV broadcast center, opened half of their car windows, and scanned the passing pedestrians with sharp eyes like hawks.
Bruce and the Pale Knight, two very elegantly dressed people, immediately caught their attention.
Bruce and the Pale Knight walked into a coffee shop. Almost immediately, a hooded man walked out of a black car parked on the side of the road, holding a square microphone in his hand.
A woman in professional attire also walked out of the street opposite him. The two exchanged glances and looked at Bruce and the Pale Knight standing at the front desk of the coffee shop.
Bruce casually ordered two cups of coffee and found a seat by the window, fearing that others would not see him. After a while, a woman in professional attire came over with a smile and said: "Good afternoon, may I ask where you are from the TV Broadcasting Center?"
staff?”
Bruce looked at the woman, deliberately keeping his eyes on her exquisite makeup for two seconds, and then said very enthusiastically: "No, ma'am, we are staff from the public relations department of Siltec Medical Insurance Company..."
A glimmer of light immediately flashed in the woman's eyes, and she said: "I am the host of the TV station. The seat by the window is full. Can I share a table with you?"
"Of course, this afternoon is even better with a beautiful lady like you." Bruce put his hands on the table and stared at the woman's face unblinkingly.
The woman sat down, smiled at the staff delivering coffee, and then turned around and said: "Your boss has an interview tomorrow morning. He should be well prepared, right? In fact, I have just been transferred here not long ago.
Time, I have never met such a big shot, so I am inevitably a little nervous."
"Oh, I'm fine, madam, our boss is a very approachable person. He even arranged for me to comfort some customers who failed to receive insurance compensation today..."
The woman's eyes lit up and she said, "Soothing? How did you comfort me?"