Should I seek medical attention

JAHpowIce it

Set up a chiropractic appointment tomorrow

CaptainObvious.He asked if he should go to the doctor. Not a mall employee.

JustGoWithIt

CaptainObvious.Are you trying to display your frustration with my lack of knowledge surrounding voodoo magic and imbeciles?

CaptainObvious.He asked if he should go to the doctor. Not a mall employee.

Mr.BishopI don't know if Americans treat a situation like this differently.

LeatherneckWe usually just go on the internet and bitch about our lives.

MinggYou should be good but if you're nervous about it or it starts to get bad go to a doctor. I fractured my L3 when I scorpioned in gymnastics and was barely able to move, couldn't get up or anything. So, I think you're probably alright but I'm not a doctor.

Mr.BishopJust go to the hospital - better safe than sorry.

Of course, I'm Canadian so I don't know if Americans treat a situation like this differently.

brett_fisherThats free for you tho .

Mr.BishopBut don't people have insurance though? I mean I get it if you don't have insurance that you wouldn't want to go... but if you do is there harm in running into the hospital for a quick X-ray on your back?

Mr.BishopJust go to the hospital - better safe than sorry.

Of course, I'm Canadian so I don't know if Americans treat a situation like this differently.

yelselYes but you're still paying for it. My insurance deductible is $5500. I'm not going to the hospital or doctor unless it's REALLY needed.

Mr.BishopWait, what? You're telling me that even though you have insurance you have to pay the first $5,500 of going to the hospital?

Are you fucking kidding me? How do you ski?

Mr.BishopWait, what? You're telling me that even though you have insurance you have to pay the first $5,500 of going to the hospital?

Are you fucking kidding me? How do you ski?

jensenAll plans are different. Two of the plans that my work offers are:

-$1000 deductible, then 80% coverage after that
-$5000 deductible, then 100% coverage after that

I opted for the $5000 because I haven't been to the doctor for anything minor (cold, small injuries, etc) in probably 10 years. When I do end up with medical bills it is probably because I really messed myself up and the costs to those injuries add up real quick. In the worst case scenario the most I'll ever be out is $5000. Also, the premiums on the $5000 deductible are about a third of the $1000 deductible.

Pretty much every plan gives you free preventive care.

Mr.BishopHoly shit, that is wild. I had absolutely no idea.

I'm surprised anyone american ever tries to be a pro skier TBH.

I mean I remember back in the day when I was giving a shot at the big leagues, if I fucked myself up bad I'd just roll over to the hospital to make sure everything was all good. I was broke as fuck, barely able to afford food at the time - living at my parents place and working part-time as a ski instructor. I had shit, but I had a dream of being a pro.

Mellow bails I didn't give a shit, but when I really racked myself and couldn't walk I'd just rip over to the hospital for a quick check. I mean sure the wait times are atrocious, but hey - worried I broke my back/neck and whatever... X-rays and cat scans out the wazoo.

That is wild man. I mean whatever your country believes in is all good, but holy shit I can't imagine doing a dangerous sport when you can't just roll into the hospital and be all "fix me up boys, I just did something stupid.". Mad respect for those that slay it with nothing more than $5k and yolo in between them and healthcare.

JAHpowWell I dislocated two vertebrae and threw my hip and something in my neck out of alignment when I took a spill one time skiing.

Went to the chiropractor and felt immediately better when they finished.

So I disagree with your statement.

Mr.BishopThat is wild man. I mean whatever your country believes in is all good, but holy shit I can't imagine doing a dangerous sport when you can't just roll into the hospital and be all "fix me up boys, I just did something stupid.". Mad respect for those that slay it with nothing more than $5k and yolo in between them and healthcare.

jensenAll plans are different. Two of the plans that my work offers are:

-$1000 deductible, then 80% coverage after that
-$5000 deductible, then 100% coverage after that

I opted for the $5000 because I haven't been to the doctor for anything minor (cold, small injuries, etc) in probably 10 years. When I do end up with medical bills it is probably because I really messed myself up and the costs to those injuries add up real quick. In the worst case scenario the most I'll ever be out is $5000. Also, the premiums on the $5000 deductible are about a third of the $1000 deductible.

Pretty much every plan gives you free preventive care.

Aharrelson358It doesn't quite work like that. The $5k is a yearly deductible. Once you hit that in a calendar year, you don't pay anything else.

Mr.BishopStill a hefty bill for a broke skier.

Do you have to pay the full $5k on your first visit if you broke your shit off and needed a ton of help, or is there a maximum you pay each time regardless of the overall cost?

CaptainObvious.There are also tw things at play here. Deductibles and out of pocket max. So I have a 1000 deductible. Insurance doesn't do Jack shit for me until I've spent that. Once I have, they pay 80% of the cost of my remaining bills until I've coughed up 5k. After I pay 5k, they pay 100%. So there are plans where your deductible is like 100 bucks and then the 80/20 split, but the monthly cost can get crazy and so can the out of pocket max.

Laurent.Netherlands:

A 375 - 875 deductible, 100% coverage and about 63-110 a month depending on insurance company and slight additives beyond the basic government set policy which is not basic at all, pretty much 100% coverage
Deductible is only for 18+ and if you are poor or a student you can get your premiums subsidised for free by the government to about € 72,-

So some poor people who never see the doc even make a tiny bit of money out of having the insurance which is mandatory by law.

Long live socialism.

californiagrownYou pay for it through higher taxes numbnuts. It ain't free.


That's like saying you got $5 back on your grocery bill last month so you are making money on the sales tax. Nope, you just didn't stop to think where else you're paying that tax.

Mr.BishopWhat is the tax rate like off your pay where you're at?

Because whenever anyone says Canada has "free" health care, its bullshit. I pay at least 35-40% of my income in tax, and it can be over 50% if you're in a higher tax bracket. As well, sales taxes here in Quebec on purchases is 13.5% Property tax is super high too.

So we pay every day - we just don't have a choice not to.

Do you at least get to keep more money as a result of having such crazy health insurance where you're paying out of pocket so much?

CaptainObvious.Colorado is like....4%?

Laurent.No shit and it depends, if you earn below a certain threshold (welfare and students mostly) you get back way more then the tax you pay.

As if I don't know the tax rates here, they are ridiculous.

californiagrownThat's cute you think you dislocated vertebrae and the chiropractor reduced them.


You are a fucking rube.

Mr.BishopWhat is the tax rate like off your pay where you're at?

Because whenever anyone says Canada has "free" health care, its bullshit. I pay at least 35-40% of my income in tax, and it can be over 50% if you're in a higher tax bracket. As well, sales taxes here in Quebec on purchases is 13.5% Property tax is super high too.

So we pay every day - we just don't have a choice not to.

Do you at least get to keep more money as a result of having such crazy health insurance where you're paying out of pocket so much?

CaptainObvious.Is it the same jacked up price difference if it's a European made car?

Aharrelson358Yeah and that deductible is what they call a major medical deductible. That's for all the big stuff like hospitalization and surgery. For stuff like annual checkups, you only pay a small percentage of them. Like my annual check up, I pay a $30 co-pay when the visit actually costs almost $200+. So most years, unless you have a surgery, you don't pay the full $5k deductible.

Mr.BishopWait, what? You're telling me that even though you have insurance you have to pay the first $5,500 of going to the hospital?

Are you fucking kidding me? How do you ski?

JAHpowWell that's what they told me happened.

But I shouldn't expect you to think that because you're just a shitty troll.

Laurent.No shit and it depends, if you earn below a certain threshold (welfare and students mostly) you get back way more then the tax you pay.

As if I don't know the tax rates here, they are ridiculous.

californiagrownHaha you really aren't a bright one. I have no doubt the chiropractor helped you. I am 100% positive the chiropractor did not reduce a dislocation of your vertebrae.

BTW, a chiro I know has a sweet ocean front property in Arizona he wants to sell for 20% of listing. Interested?

JAHpowCongratulations?

I'm not a chiropractor so I obviously don't know except for what they tell me.

The amount of immaturity that you convey on here is laughable.

californiagrownsays the guy who thinks a chiro reduced his vertebrae dislocation lol.


Oh lord. the amount of common sense that you DO NOT convey on here is laughable...


Im glad we can make each other laugh.

L_Byou've never heard of insurance premiums?

Good god you northerners live the good life.

Mr.BishopI mean I sure like universal health care.

Definitely flaws with it, and you pay through the nose in unavoidable tax - but it's nice to know that if something goes wrong you just go to the hospital and they fix you as best they can.