- Feb 5, 2006
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Man receives $3,500 medical bill for coronavirus test after returning to US from China
Osmel Martinez Azcue only has the flu, but he now owes his insurance $1,400

Testing revealed Mr Azcue had the flu, not the coronavirus. But his limited health insurance left him with a bill of $3,270 two weeks after his test. He will be responsible for $1,400 of that bill.
Mr Azcue previously had insurance through the Affordable Care Act. He picked that insurance as he makes $55,000 through his job at a medical-device company, and it does not provide a health insurance plan.
Once he first purchased the plan, he was paying $278 per month. These premiums then shot up to $400 once his full salary kicked in, forcing the man to cancel the coverage and pay $180 per month for a limited plan through National General Insurance.
This decision comes as the Trump administration rolled back the Affordable Care Act regulations in 2018 and allowed "junk plans" on the market.
These junk plans offer short-term, low-benefit coverage for people, but they also are not required to meet the law's standards for health coverage, meaning the plans could avoid covering pre-existing conditions or offering protections from large out-of-pocket expenses.
Mr Azcue discovered that not only does he owe $1,400 out of pocket, but he also needs to provide his insurer with three years of medical records to prove that the flu he got didn't relate to a pre-existing condition. If for some reason the flu related to a pre-existing condition, then the insurer would no longer pay a portion of the man's bill.
Just a friendly reminder that Republicans are currently suing in Republican controlled courts to repeal Obamacare and throw people off insurance in the middle of a global pandemic. Do you think people are going to pay thousands out of pocket to get themselves tested when they have flu symptoms, or wait until after they feel sufficiently bad to head to the hospital at which point they would have been infectious for a couple weeks? If I were health care providers, I would stop profiteering off this, or they could find themselves in a universal single payer system in the not too distant future.