More things should be paid for I imagine if you have both medicare and medicaid than just basic medicare alone. I don't know that much about medicaid but I have heard Mscat and others say medicaid really is not that great. Unfortunately, if you are really sick critically that requires a lengthy hospital stay, most people on disability income are going to leave with a hefty bill after the insurance pays what it is going to pay.
Just basic Medicare unfortunately will leave you with a certain percentage (co-insurance) + co-pay and you often have to meet a deductible too before it will even pay anything. For example in my case if I am admitted into the hospital for inpatient care, for each benefit period, here is what I will pay.
Days 1 - 60: an initial deductible of $1,132 |
Days 61 - 90: $283 each day
Days 91 - 150: $566 each day
150 days: All costs
Many people sadly probably can't even pay the deductible $1132 for the 1st 1-60 days of stay. I imagine a lot of these things simply have to be written off by the hospital if you can't pay what medicare doesn't.
I really think you must try and stay as healthy as you can. This is the best way to keep medical costs as low as possible. I know things like cancer happen to people that take good care of themselves but more often than not, there is a bad lifestyle component like smoking or many years of eating too many foods that are not good for you. Currently, I only have a mental health problem, minor gerd, and some minor low back pain. I am doing things like seeing my doctor every 3 months so I can potentially head of any other problems before they have a chance to develop and if they do, try and catch them early. I am also doing this with my mental health now and also my dental health even if I might have a pay a little more out of pocket for prevention. I think this will save me in the future, perhaps not but I am just trying to increase the odds in my favor. I have a friend who is still working full-time, has a terrific job and great private insurance yet he is about to go bankrupt because of some chronic medical issues. It just adds up after awhile despite the best medical insurance.