When I got some gum surgery done, I had the option to use skin from the roof of my mouth for free (aside from the sutured wound), or I could pay $200 cash to use freeze-dried skin. I chose the latter.
When I got the paperwork for the upcoming procedure, it said $500. When I asked, the receptionist said that it was only $200. She said they put $500 in the documentation so that when it is finally covered by insurance, they would have a paper trail of it costing $500.
My dental insurance, like most, only covers 50% of costs for major work. So, when this finally gets covered by insurance, my out-of-pocket would be $250.
There is so much wrong about how we do insurance in the medical field.
I guarantee you that every step of the way she was provided loan documentation that was explicit about how much of payments was going to interest and how much to principal, how long the payoff would be, and the total amount that would be paid. She almost certainly had a time period of being on an income-based payment plan where the payments didn't even cover the interest. I'd bet money she took full advantage of the long COVID-era time where payments were not required, during which the interest accumulated.
@tomemmer@Tim_Walz Didn't anyone else find the "to and an" error a little bit ironic and funny? And maybe the missing hyphen between "hard" and "earned"?
Pro-tip: You can edit posts now.
Legally, 2. But 1 is the driver I'd rather not have on the road. 3 was clearly slowing and leaving space for 1 and 2 to pass, and is practically stopped by the time the collision happened. 1 braked hard in fear of a collision that was never going to happen, quite unaware of having a truck behind that would not be able to brake in time.