this post was submitted on 10 May 2026
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I work for a nonprofit hospital, and and have full medical insurance through them. I had injured my knees recently so I went to a PCP to get the ball rolling. These are the steps insurance requires before they'll even consider the next step, let alone getting to actual surgery...
Go to PCP so they could write me a referral to an Ortho doc
Go to Ortho doc, who writes me an order for an XRay
Get X-Ray, they don't find anything but this gets me a referral to PT. (I got a call from a local PT group, who later said that my insurance doesn't cover them, but if I wanted to pay out of pocket it'd be about $250 for a group of 5 sessions. I thought I'd be better off going through work.)
I get scheduled for a few PT visits and my Health System Rehab facility. It was most conducted by Kins students. I did the exercises with the bands, no improvement with my knees whatsoever and even when doing the stair exercises and hurting my knee in the process they had zero clue what it could be. I increased range of motion with my leg but that's it. Cancel further visits.
Go back to my PCP, orders an MRI. According to it, everything is intact but the injury could have stressed things. Still can't tell exactly what's wrong.
End up getting a steroid shot in both knees, which helped for about 3 months.
All those completely wiped out 2 years worth of FSA, and the only way I didn't get slammed with a couple thousand dollars out of pocket is I still have an HSA from a previous job. Also found out it was more expensive for insurance to pay the rehab clinic that I work for than it would have been to pay out of pocket at a local place
Welcome to American Healthcare. Where the people who voted themselves to get top notch, taxpayer funded, lifetime healthcare for them and their families, then vote themselves to not having to pay taxes again...that also say govt funded healthcare is sOcIaLiSm
Sounds about right. Think how many trained medical professionals who should be tending to patients had to spend time tending to private insurance for just this one case. Now multiply it by every single case, some more than others. We talk about a medical professional shortage in the USA when simply freeing them from insurance timesinks would be an immediate, huge jump in available work hours and morale.
+1...and starting fucked up wars takes priority over the broken US healthcare system.