$8,000 in Medical Bills--And that's With Insurance Coverage

Last week I finally got around to dealing with the bills from my breast cancer surgery.  My surgery was in October, and the bills started appearing in my mailbox in late November.  Because I was in the middle of, you know, radiation and all the other crap you have to deal with when you have cancer, I pulled a Scarlett O'Hara and threw the bills in a pile to deal with another day.

Well the day to deal with that pile came last week.    I opened the bills and did some cross-research on my insurance company's web-site.

I owe $8,000.    That's $8,000 that the insurance company isn't paying.    The hospital alone charged $35,000 and my breast surgeon $26,000.    There were also miscelanous bills for other specialists, services etc.  

I didn't bother to total up the entire cost of the surgery, just the part I owed.

I never stayed overnight in the hospital, and there were no complications with my surgery.   So how, in God's name, is it that despite paying close to $800 a month in insurance premiums (with my husband's employer also paying more than that monthly) is it that I now owe $8,000?????

And, how, in God's name, could many families take that kind of a financial hit?   

Now, I expected my share of the ordeal to run in the $3,000-$4,000 range, so needless to say that I was shocked to see I owed more than double that amount. 

Did I mention that once again my husband's raise was completely wiped out by the increase in our insurance premiums???

I'm sorry, but the American system of health care is just deplorable.   I am so sick of people saying that it's "the best in the world" when statistics show that it's not, and families put into financial straights just because someone gets sick.