Sunday, November 22, 2020

Whoa...

 I just went down to the lobby to pick up a package and several days worth of mail. Mostly what we've been getting in the mail are medical bills and notices from our insurance company regarding the medical bills. 

Today I got the notice about my hospital stay back at the end of September. 

Hospital Admission: $34,902.25

Plan Allowance:    $11,793.16

Medicare Paid:    $10,385.16

Private Insurance Paid: $1408.00

I paid:    Nothing at all

Difference between what hospital charged and what they got paid: $23,109.09

Wow! Does this mean that if someone didn't have any kind of insurance they would be in the hole for $34,902.25? 

I'm still responsible for all other fees - doctors, radiology etc. Some of those fees, after insurance pays,  are less than $2.00 but others are in the $200+ range. 

I'm left wondering at medical billing systems...

8 comments:

  1. That's quite a difference in billed and paid! A friend of mine didn't have insurance until this year because her asshole husband wouldn't pay for it so she'd have to call places in advance and negotiate a cash payment amount. It was less than the standard charge but of course more than she would've had to pay if she'd had insurance. The only charge not negotiated in advance was an ER visit for her asshole husband which was karma biting him in the ass.😂 Glad you have good insurance!

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    1. We have BC/BS from my husband's former employer. When he retired he had the option to continue with the insurance or get other insurance. He retired at age 60 so wasn't eligible for Medicare at that time. When we both turned 65, again we had the option of dropping BC/BS and picking up Medicare. Because we are lazy LOL and Medicare is confusing as all hell we stayed with the "private' insurance. We pay the same as active employees and the medical establishment is pleased as punch to see our insurance cards. Because Medicare Part A (hospital) is free we signed up for that so we kinda have double coverage on the part. Plus we paid into Medicare all the years we worked so there is that too.

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  2. Yes, the system is broken. So far we've been lucky with insurance and bless our lucky stars.

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    1. The hospital in question is a non-profit and I suppose the difference between what they bill and what they get proves that point.

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    1. The USA health system is bizarre and geared to "the haves". In Canada you have publicly funded health care which has its good points and bad points. My brother's first wife was Quebecois and her parents spent half the year in Quebec and half the year in the US. When her mother needed a pacemaker the wait list was very long so they had the procedure done in the USA - nowadays people in the US go to Canada to get needed medications because it is too expensive in the US - totally necessary to life medications like insulin. No one has a really good and fair health system.

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  4. Yes that is exactly what it means. My mom died in 1969. For some reason my fathers union medical plan did not cover all of my moms health care. He paid as he could. He was so stressed, burying his wife, caring for 2 children and mounting medical bills. He ended up filing bankruptcy and having to sell our home. Yea America, the only free western country that does not care for their own.

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    1. Good lord, that's awful but so many are still in that situation. Tho I think there are better financial relief plans in play these days. The local hospital center here is non-profit so in cases where there is financial hardship there is help available.

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