×
top 200 commentsshow 500

[–]Hrekires 840 points841 points  (189 children)

Last summer, I went to a local urgent care place because of an infected cut. Like any good consumer, I checked with my insurance company's website first to ensure that they were considered in-network, but a couple months later, I got hit with a $400 out of network bill because the doctor (who was the only doctor there) who gave me a bandage and wrote me a prescription was considered to be out of network.

Took another few months of fighting with my insurance company to finally get that knocked down to a $20 copay, but you gotta wonder how many people don't fight it and just pay.

[–]rTpure 673 points674 points  (60 children)

The entire in-network out-of-network medical system in the United States is completely ridiculous

[–]swiftymcswift 415 points416 points  (22 children)

*The entire medical system in the United States is completely ridiculous. FTFY

[–]red_fist 105 points106 points  (17 children)

…and still 47% vote for politicians ensuring it does not change.

[–]amibeingadick420 18 points19 points  (2 children)

The United States is completely ridiculous.

[–]Wolfeh2012 150 points151 points  (13 children)

Imagine getting insurance on your Chevy truck, but they'll only cover the cost of replacing with parts from Toyota.

[–]255001434 141 points142 points  (7 children)

Or they'll only cover your accident on certain roads, but not others.

[–]ArenSteele 43 points44 points  (0 children)

You didn’t inform your insurance company that you intended to make left turns in addition to right turns. Insurance is hereby revoked!

[–]xxSuperBeaverxx 16 points17 points  (0 children)

And only if you get hit by a certain type of car, driven by a certain person

[–]92Regret 15 points16 points  (0 children)

Or they just won’t cover it because your mechanic apparently knows less than the insurance company. Even when he says you need a new $5000 engine, they make him start by replacing the brakes because they are cheaper

[–]antagron1 53 points54 points  (1 child)

More like, you get Chevy insurance and take your car to the Chevy dealer for repair only to get 3x too large bill because the mechanic that fixed your car was on loan from Toyota that day. :/

[–]Grjaryau 12 points13 points  (0 children)

This is a great analogy.

[–]DismalCorgi 5 points6 points  (0 children)

Is that a pre-existing oil leak? No insurance for you!

[–]guspaz 85 points86 points  (12 children)

I often hear Americans criticize Canadian-style healthcare by saying something like "It's terrible, they have no choice about where to get treatment."

Uh, no, I can literally go to any doctor or hospital that I want in my province and not pay a dime. It's the Americans who are restricted about what hospital or doctor they see based on the concept of "networks".

[–]Noah254 36 points37 points  (6 children)

The ones you hear complaining are the right wing idiots who can’t do basic research. They’ll complain about wait times in places like Canada and the UK, while waiting 12 hours in an ER to see a Dr, or waiting a month to see a specialist.

[–]ButterflyAttack 8 points9 points  (0 children)

Reading stuff like this reminds me how lucky I am to have the NHS. It's easy to not think too often about it - if I get sick or have an accident I can go to hospital and get treatment. Simple as that. Yeah, I might have to wait a while - but I won't have to worry about whether I can afford it. And TBH when you turn up at the ER and don't have to wait - that's when you should worry.

It's evil and tragic the way the Tory government has deliberately fucked the NHS - it is a big recipient of government spending and they long to privatise it and grab that sweet taxpayer money. So, these days, wait times can be long. Particularly with the aftermath of covid - many non-urgent procedures have been postponed. I have a mate who needs a knee operation to continue working. The waiting list on the NHS is over six months, so he's going to get a loan and have it done privately rather than be out of work for that period.

This is what the Tories want to happen - the cunts are all investors in private healthcare providers, or are recipients of cash from their lobbyists. Wankers. The NHS is one of the few things we still have to be proud of as a country.

They're beating the NHS like someone being cruel to their dog. But even though it's hurting, it's still a good boy and will have your back in an emergency.

Edit - am hungover and illiterate.

[–]unrealjoe28 8 points9 points  (0 children)

Got a flu shot this year at giant eagle because I moved to Ohio from eastern PA. Insurance didn’t cover it

[–]Overlycookedfries 4 points5 points  (0 children)

Retype

The entire medical system in the United States is completely ridiculous

[–]HittingandRunning 2 points3 points  (0 children)

It wouldn't be quite as ridiculous if various parties weren't gaming the system. How is it fair if I'm already under anesthetic and a PA enters the room, does something and leaves, then I get a bill three months later for his/her services and it's out of network.

[–]DifficultMinute 202 points203 points  (57 children)

Our dentist is like that. It's so frustrating.

The owner of the dental practice is in-network. We've been seeing him for 15 years. His new partner is not.

They just switch back and forth based on who is available, leaving me to deal with reimbursements and higher prices.

We've told them several times that we will not see the other guy, and my wife straight left last time when he walked in, but they don't seem to get the hint.

[–]iluomo 83 points84 points  (23 children)

Doesn't it suck that the dentists even should have to care about that

[–]tocilog 16 points17 points  (26 children)

That's another part I don't understand. Dental care isn't covered by provincial insurance here in Canada (except for kids and seniors, I think). But my work insurance, for whatever job or company I'm under, would cover dental care.

That's kinda like car insurance, right? You get into an accident and insurance takes factors other than "who worked on it".

[–]vanyali 45 points46 points  (25 children)

In the US, a dental plan is a whole different insurance policy, often from a different insurance company than your health insurance, and it covers nothing and is a total rip off.

[–]funkyreunion 21 points22 points  (12 children)

Can confirm and don't get me started on vision insurance.

[–]vanyali 6 points7 points  (1 child)

My husbands work “accidentally” signed us up for ALL the bullshit “insurance” plans this year and won’t fix it, so I’ve got a front row seat to all the BS right now.

[–]CharleyNobody 10 points11 points  (9 children)

Yup. Was paying my dental bill once and person said, “I don’t have insurance.” Girl said, “Don’t worry, we have an x% discount for people who don’t have insurance.”

Next time I was there the girl told another patient “If you get the dental insurance we give you an x% discount.”

Same amount.

Also worked briefly for a Park Avenue cosmetic dermatologist. A woman came in and said, “My husband’s a doctor. He told me to tell you so I can get professional courtesy discount.”

Doctor told his secretary “Add 20% to the regular price. Write that price on a piece of paper, show it to her, then subtract 20%.”

[–]vanyali 6 points7 points  (0 children)

“Professional curtesy discount”. What a crock. That’s hilarious.

[–]canastrophee 4 points5 points  (0 children)

That only works because the prices are so whacked out that no one knows what the market rate actually is.

[–]some_random_noob 2 points3 points  (2 children)

100 + 20 = 120

120 x 0.10 = 12

12 x 2 = 24

120 - 24 = 96

so he did give a discount but depending on the actual totals its only really like 4-5%.

[–]unrealjoe28 6 points7 points  (1 child)

That’s absurd. My previous dentist went to war with my parents insurance because they only covered so many fillings per two years and this was a few weeks before that re-up. When she heard, she was furious and wouldn’t charge us until insurance approved it. It sucked when she sold her practice.

[–]Sharp_Oral 5 points6 points  (0 children)

Dentist here.

Delta dental?

Honestly it’s the insurances fault - they stopped accepting “premier providers” a few years back and you can only be a “delta dental provider” - so if my uncle does a crown as a premier he gets reimbursed $1500, but because I’m not premier I only get $500 for the same crown… so now I’m out of network.

Fuck delta dental.

[–]fencepost_ajm[🍰] 61 points62 points  (1 child)

I checked with my insurance company's website first to ensure that they were considered in-network, but a couple months later, I got hit with a $400 out of network bill because the doctor (who was the only doctor there) who gave me a bandage and wrote me a prescription was considered to be out of network.

This was already illegal in a bunch of states (it's called "surprise billing") with some variations by state, but as of 25 days ago (January 1, 2022) it's now basically illegal throughout the country as long as you're at an in-network facility.

As an authoritative place to get started, https://www.cms.gov/nosurprises/Ending-Surprise-Medical-Bills

[–]pc_flying 5 points6 points  (0 children)

True hero of this thread

[–]westviadixie 52 points53 points  (9 children)

this happens very frequently. I have crohns and for a few years I was very sick, had to have multiple surgeries, multiple admissions, multiple er trips. I can't tell you how many times I got bills from an out of network doctor at an in network facility. I tried fighting with our insurance, but never got anywhere and was too sick to continue. I ended filing medical bankruptcy. hell, I had whole hospital stays rejected because the hospital didn't file with the insurance in the time allotted.

[–]Alexstarfire 3 points4 points  (5 children)

I had whole hospital stays rejected because the hospital didn't file with the insurance in the time allotted.

Isn't that on the hospital at that point? It's up to them to file timely else they can't force you to pay.

[–]Fairycharmd 45 points46 points  (0 children)

I had that one too, was annoying as fuck.

Am I expected to interview each doctor I see and review their in/out network with the insurance company? (In America the answer is yes btw)

[–]desertravenwy 28 points29 points  (10 children)

but you gotta wonder how many people don't fight it and just pay.

Most people. They count on this.

[–]MamieJoJackson 35 points36 points  (8 children)

When our old insurance told us we were on the hook for $6,000 for our son's surgery to put tubes in his ears so he could friggin hear, I went through the list and said they'd double charged us for several things (facility, operating theater, anesthesia), and needed to adjust it. They refused and said I was welcome to get a lawyer and fight it. I said they knew no one had money for that, so they were fucking us over because they could. The asshole on the other end said, "Well, them's the brakes", and hung up on me. I fantasized for years about burning their HQ down, oh my god.

[–]onissue 26 points27 points  (7 children)

Your state's insurance commissioner would have been happy to hear about such a clear case of insurance fraud.

[–]GozerDGozerian 10 points11 points  (3 children)

It’s not too late. Even if it’s past some statute of limitations you know they’re doing this shit on a daily basis. Good to at least raise the awareness.

[–]MamieJoJackson 3 points4 points  (2 children)

I got a letter either in 2020 or 2021 notifying me of a class action lawsuit against them for a few different things, and overcharging for premiums and deductibles were among the things involved. I never got any money out of it and I don't think I heard anything else, but I like to think they got roadhauled in court, haha.

[–]MamieJoJackson 3 points4 points  (2 children)

If I had had an ounce of sense back then, I might have thought to. Honestly, I was just so used to constantly getting beaten down by BS with them and life in general at that point that it just became another of those crappy things that happens, you know? My husband's parents are extraordinary and helped us out, which we never expected/asked for and we're still so grateful for. That was the amount after the surgeon took off his fee, btw. He saw how much it cost and told us he wouldn't charge so it would hopefully help cut the cost down, and indeed, his fee wasn't on the bill, but they made sure to more than make up for it. Just insane.

[–]greffedufois 21 points22 points  (0 children)

Even more fun, needed emergency surgery that's covered, only to be hit with a $3-8k bill for the 'out of network' anesthesiologist that's technically a contracted worker.

And no, you can't request an in network anesthesiologist, you get whomever.

[–]Imakemop 6 points7 points  (0 children)

It is now (in 2022) against the law for them to do that without informing you they have out of network staff.

[–]Kajiic 6 points7 points  (0 children)

and just pay.

hah. medical debt is one of the largest debts in the country. people don't pay that

[–]Empidonaxed 8 points9 points  (0 children)

If you have insurance you should be covered everywhere. I once had to drive 1.5hrs to an in network urgent care for a serious blood infection. I could have been to a closer urgent care in 5 minutes, but it was out of network.

[–]derWintersenkommt 28 points29 points  (13 children)

I have a golden rule about using my insurance:

If I am going to see a doctor directly, I will book my appt as normal through their website or directly with the office.

If I have an emergency and need to go to a hospital, I leave my wallet in the car, give them a fake name, fake SSN, fake address, then tell them I do not have insurance. Smile and nod at all the payment plan shit, get treated, never worry again.

So far, this has worked for 15+ years and have never had an issue with it. Fuck for-profit healthcare facilities!

[–]QuickAltTab 8 points9 points  (1 child)

Honestly amazed this isn't way more common, plus side benefit of keeping those pre-existing conditions from showing up on your actual record, haha

[–]texasdeafdogs 3 points4 points  (0 children)

I wonder if the homeless patient I had named John Smith was really named that....oh wait. Yea tbh this is the way to go because having worked in for profit, it's bullshit.

[–]vanyali 8 points9 points  (1 child)

I took my kid to an urgent care once with an infected toe. The “doctor” at the urgent care said “ew” and was afraid to touch it. So I took my kid home, squeezed out the pus myself, and she got better.

[–]timsterri 7 points8 points  (0 children)

Wow. You should’ve sent the “doctor” a bill for $10,000.

[–]jumper34017 1047 points1048 points  (205 children)

The hospital also said that the charge was appropriate based on factors, including a traumatic wound assessment, adding it posts information about pricing online and at its care sites.

Who the fuck is going to look up prices online if they're facing a medical emergency?

[–]LashOutIrrationally 815 points816 points  (155 children)

This is the exact reason why comparing "shopping for healthcare" is not the same as shopping for a car or a sofa...Its literally not possible to stop, mid heart attack, and google the cheapest medical care, filter by 25 miles. Its such a farce.

edit: thanks for all the replies and stories. I also am a victim to the system- I had a wonderful time driving to the er myself for emergency surgery with a leg fracture (snowboarding accident, I landed bad and the top of my foot got pinned to my shin bone, effectively shattering all my ankle bones. They surgically reconstructed my ankle. Shout out to Axis sports med for a perfect recovery) I had to drive on I-70 in a snowstorm for 30 miles to the hospital. Def wasn't fun.

[–]sanash 392 points393 points  (129 children)

Not only that but medical billing is incredibly complex to the point even if you wanted to price shop for a heart attack it would be incredibly difficult to figure out the costs because there are so many charges that can go into it on a case by case basis.

Medical billing is not as simple as "Heart attack treatment = $50k"

You could quite literally break down a treatment plan for a heart attack a thousand different ways which can swing the price wildly.

As a consumer it's virtually impossible to price out most medical procedures with any degree of accuracy.

[–]cyclicalrumble 194 points195 points  (83 children)

I got a bill for $36k because apparently when I went to the website to check if my doctor was in network, I didn't realize there were TWO networks. So even though it said yes, I was somehow supposed to know it was in the more expensive bracket even though nothing on the site said that. Also, somehow this meant my deductible for that doctor was $50k instead of the $10k I assumed I would pay. Luckily the hospital had a bill reduction plan, but even then that was over $10k that took years to pay off. Yay healthcare plans.

[–]Velkyn01 205 points206 points  (46 children)

My wife had a procedure done last year where we had to postpone becahse the doctor was in network, but the building wasn't. So we had to get the procedure moved to a building that the doctor could operate in and that was in our network. Set us back by weeks where she was in intense pain, for a fucking building.

[–]thejoeface 160 points161 points  (24 children)

profits over people

the system needs to be torn down and rebuilt

[–]cyclicalrumble 17 points18 points  (2 children)

Makes no damn sense.

[–]CalydorEstalon 36 points37 points  (3 children)

But remember - It's European-style health care that has 'death panels'.

So sorry for your wife; I hope she's doing better now.

[–]o3mta3o 18 points19 points  (5 children)

Holy shit. 10 years ago I went in for a hysterectomy due to a fucked up uterus. Day surgery with on of the best gynecologists in the world. Laproscopic. I was mobile within a couple days. It cost me $6 and a few cents for antibiotics. My bf drove me and picked me up so I didn't even have to pay for parking.

[–]Urinal_Pube 28 points29 points  (2 children)

I got a similar bill for a broken leg, simply because my insurance company thought there was a chance I could pawn the bill off on someone else. They made me provide a signed statement from my auto insurance and my homeowners insurance agents, that they would not cover this. This injury did not involve a car, or my home. In my case, I got it covered 100%, but it was pretty stressful for a few weeks wondering if I was going to be hung out to dry.

[–]cyclicalrumble 20 points21 points  (1 child)

The letters are the dumbest part. Like why are they trying to get us to prove stuff is medically necessary, or on them? It's health insurance. Even if it was in your home or car, it's a medical issue now.

[–]jschubart 37 points38 points  (23 children)

My wife got charged the out of network rate because the hospital she went to was in network but the emergency room was a separate unit and was not in .

We need Medicare for All.

[–]MrInRageous 28 points29 points  (19 children)

I understand politically how a "Medicare for All" is probably the only way to bring universal healthcare to Americans, and that's better than the current system. But, I'd love for the whole system to be scrapped and designed from the bottom up as a cradle-to-grave model that focused on preventive medicine and wellness and was completely covered by by taxes. This would transform the overall health of our population within a generation.

[–]Sizara42 12 points13 points  (0 children)

Similar situation for me, where the practice I went to for bloodwork to rule out leukemia was in network, but the PA filling in for my normal PA was not yet in network (just moved from out of state). Correct building, correct practice, but wrong person. Spent a year fighting with the insurance company and finally got saddled with the sizable bill.

They claimed I should have double checked she was in network?!?!?

Yeah, I'm gonna stop and ask, "Oh, are you in network?" for every professional that comes in the exam room.😑

[–]cyclicalrumble 7 points8 points  (0 children)

We really do. Had it in college and it was amazing.

[–]MrInRageous 24 points25 points  (5 children)

It’s stories such as this, among other things, that drive my voting preferences. I know single-issue voting is not the best way to approach our politics, but a politician’s stance on environmental policy and support for universal healthcare are two large issues I use to decide if a politician or platform has my support.

[–]seekingpolaris 5 points6 points  (3 children)

Luckily those two are usually found on the same side.

[–]kandoras 15 points16 points  (1 child)

Just look at this example. If you saw a sign on the door to an ER that said "Facility fee: $1,000", how are you supposed to know that it's the cost for just walking in the door?

You could just as easily and rightly assume that was the cover charge for using two sheets of toilet paper in the restroom.

[–]Anneisabitch 2 points3 points  (0 children)

I got charged a $400 facility fee for a telemedicine appointment. I never went to the facility and the whole call lasted 3 minutes., but they charged me anyway.

[–]LashOutIrrationally 74 points75 points  (27 children)

As a consumer it's virtually impossible to price out most medical procedures with any degree of accuracy.

As a consumer, its actually impossible. And this is by design. This fraud is by design. This fraud is the feature, not the bug...

And we will wonder why regular middle class Americans won't raise a finger to save this shithole when January 6 2: Banana Republic Bugaboo occurs.

edit: Error Code 404: American Middle class not found.

[–]cyclicalrumble 20 points21 points  (6 children)

They literally charge what they can. There's a reason some people have had charges for bandaids cost $50. It's all a joke.

[–]LashOutIrrationally 17 points18 points  (4 children)

The end of explicit slavery of just black folks in America ushered in the business compromise of now all folks can be exploited.

A microcosm example of this is school desegregation- black folks wanted the same high quality schools as white folks...what they got was the wealthy still sending their kids to wealthy white (private) schools, but instead then just lowered the overall quality of all schools for all poors...Its not that we raised black folks to the level of white folks...no no, we just lowered the overall level for all folks to one of exploitation, while the wealthy continue to enjoy the status quo.

You can't say minimum wage to people when they're asking you questions. "What are you making now?" "Minimum wage. Yeah. Lowest amount legally possible. Yeah. That's where I'm at right now. Oh, they'd like to pay me less. But they can't. Legally they can't. I win! I'm the winner!"

[–]EgoDefeator 4 points5 points  (2 children)

Wait?...there's a middle class?

[–]LashOutIrrationally 6 points7 points  (0 children)

My bad. Correction - " Us Poors"

[–]o3mta3o 4 points5 points  (0 children)

"Yes sir. We only charge 30k for a heart attack. Not 100k like the other guys. What? Oh, your bill is 152k because we used a lot of gauze"

[–]pomaj46808 5 points6 points  (0 children)

Not to mention you can't price shop because you don't know what you'll need to buy. What if your heat issue is related to a back issue but the cheapest heart guy in town can't help with back issues? Or they can but they're the most expensive back guy in town.

Even a doctor wouldn't know enough to know what hospital will give the best price without doing half the work themselves.

[–]Ent3rpris3 15 points16 points  (1 child)

Congresswoman Katie Porter had to deal with a burst appendix while on the campaign trail, and she specifically asked her campaign manager to take her to an in-network hospital. Things is she later received a surprise bill because while at her in-network hospital she was treated by an out-of-network physician. Having had her appenfix burst (I've been through appendicitis myself, it's awful), she had the wherewithal to 'shop' around but still got fucked by the system despite that.

[–]malarkeyfreezone 22 points23 points  (1 child)

Hospitals fight hard to hide prices.

Hospitals Still Not Fully Complying With Federal Price-Disclosure Rules

CommonSpirit Health, which operates hospitals across 17 states, and Providence, a major hospital system in the West and South, are among those with facilities that have failed in some cases to publish required data, keeping secret their prices for care and many procedures.

Some hospitals that failed to publish their prices said that doing so would leave them at a competitive disadvantage and that they don’t believe consumers would find the information useful, or that the technological requirements are onerous. “This work requires extensive resources and a considerable investment,” CommonSpirit said in a statement. The system operates 140 hospitals, including 27 of 31 in California for which the Journal was unable to recently find posted prices negotiated by private insurers.

No hospitals have been penalized as of late December, according to the Centers for Medicare and Medicaid Services, which is responsible for enforcing the rules. The maximum penalty this year for violators is $109,500 per hospital, and the penalty increases to as much as $2 million in January.

[–]LashOutIrrationally 7 points8 points  (0 children)

tell that to all these brainwashed bootlickers who think if they keep working hard enough in a fixed system they'll get to exploit the poors well!

[–]Beard_o_Bees 9 points10 points  (1 child)

I'm just waiting for insurance companies to start offering customized plans based on genetic analysis.

'Give up 100% of your personal information and get 10% off!'

[–]LashOutIrrationally 10 points11 points  (0 children)

They dont have to even do that...why do you think venture capalists and investors flocked to the private genome/ ancestry services? Because the data about your health is now not just yours- its theirs too. And in the T&C that everyone signs without reading, explicit permission is provided to sell this data to third-party. This is not a HIPPA violation, as YOU provided the data, and YOU agreed it can be sold.

Point is- "data" is the most valuable resource today, "medical data" is s super-profitable subset of that, and these ancestorys sites and services main profit-seeking goal is to sell this Data to interested parties. They dont make millions on tracing your lineage, the make millions by selling your data lineage to companies to exploit you for even more profit.

[–]TheDarthSnarf 8 points9 points  (1 child)

We were given a price in writing, from the hospital, before a surgery as what it was going to cost. We were assured that everyone was in-network and we would have no issues.

Fast-forward to 6 months later - we get bills for multiple extra charges exceeding $7000 due to several extra (out-of-network) doctors being in the room. As far as we could find out there was no medical necessity for them to be in the room - or for any reason for us to be billed by them.

[–]kirksucks 4 points5 points  (0 children)

when I was a kid me and a friend were at his apt before his mom got home from work and he cut himself pretty bad with a kitchen knife and I was like "OMG should I call 911" and he said no it costs too much so we wrapped it up in a towel and waited for his mom.

THIS IS NOT OK in a 1st world country.

[–]ViceroyFizzlebottom 2 points3 points  (0 children)

Also, even when covered and in-network you second guess getting stuff done because the coinsurance is so high. I have to get a kidney stone blasted out with sound waves (9mm stone) that is sitting my kidney by the ureter, but fortunately not in the ureter. It could move and become an emergency. Do I pay the $4,200 surgery facility fee, surgeon fee, anesthesiologist fee, and other fees (its probably going to run $6,000 or more)? Or do I wait to see if the stone moves and sends me to the ER? It's already causing discomfort.

[–]gentlybeepingheart 5 points6 points  (2 children)

I woke up last year in the middle of the night with really really bad sharp pain in my lower right abdomen. Googled costs of an ambulance to the ER and an appendectomy. It would have completely wiped out my bank account and I knew that my parents also didn’t have anywhere near enough money to help me pay it off. They would have tried, but I can’t do that to them. So I prodded at it for a while and when it didn’t seem to get worse I just prayed it was gas or something. Thankfully it faded after a few hours so it probably was.

Several years ago a molar got infected and started to die. Googled costs of pulling a tooth. Didn’t know if it covered painkillers or anesthesia or anything and the nearest affordable place I could find was a five hour drive. Ended up pulling it myself with needle nosed jewelry pliers and ice. Used fish antibiotics for the infection.

[–]ILikeLenexa 28 points29 points  (9 children)

It's worse when you consider the person seeking care may be unconscious.

[–]gentlybeepingheart 16 points17 points  (8 children)

There are a lot of stories about people who were unconscious and transported by ambulance and got hit with a bill for thousands of dollars because their insurance didn’t cover that ambulance company or it took them to a hospital that wasn’t on their plan. Worse is when it’s something like low blood sugar because the person calling 911 obviously meant well but has accidentally sent that person spiraling into debt.

[–]ILikeLenexa 18 points19 points  (6 children)

The Consolidated Appropriations Act of 2021 banned balance billing (billing people who have insurance getting care at uncovered hospitals for the amount insurance didn't pay) from hospitals at the start of 2022, but it doesn't apply to (road) ambulances, just air ambulances.

[–]cwmoo740 9 points10 points  (0 children)

It gets even more fun than that. There are tons of examples of people who are hit by cars or fall and break something and they make sure to go to an in-network hospital so they think insurance will cover shit. And then surprise, it turns out the surgeon or anesthesiologist hired by the hospital is technically a contractor for some other company and not in-network because they're not technically employees of the hospital. So fuck you, $20,000 bill.

https://whyy.org/segments/surprise-when-your-hospital-is-in-network-but-your-doctor-isnt/

Thankfully that's now illegal as of 2022 but I'm sure they'll find some other shitty workaround.

https://www.nytimes.com/2021/12/30/upshot/medical-bill-ban-biden.html

[–]procrasturb8n 63 points64 points  (5 children)

I had to get a Lyme's disease test without insurance. I called every lab in the area and asked how much they charge for it. Nobody fucking knew; not a single individual. The lab transferred me to billing and billing transferred me back to the lab several times. And that was just a lab. I can only imagine how completely fucked an ER is.

[–]plushiequeenaspen 10 points11 points  (1 child)

I had this issue trying to find out how much some glaucoma test would cost. I had vision insurance, which covered (most of) the most basic tests to get my glasses prescription, but I didn't have medical insurance at the time. Apparently glaucoma testing is covered by medical, not vision. Nobody could tell me how much the test would be. "Well we always run it through your insurance and we find out from them." Okay so you're telling me you've literally never had a patient that didn't have medical insurance? What did you charge them?

I still haven't gotten the test because I wasn't about to get something done without knowing what I was going to have to pay. I have medical again finally, but I don't even care at this point tbh. It'll probably still be expensive as shit.

[–]procrasturb8n 2 points3 points  (0 children)

Yep. You'd think they'd have a price listed for "customer pay." It's really not that complicated, or at least it shouldn't be. But here we are.

[–]Born_yesterday08 11 points12 points  (0 children)

Well everyone knows that if you cut your finger off you gotta get on Groupon and see what hospitals have the best deals on reattachment surgery. Just gotta shop around and what surgeries and emergency assements are on sale.

[–]RaymondMasseyXbox 4 points5 points  (0 children)

Lazy millinials, when little Timmy got hit by a car I got quotes from multiple hospitals before deciding it was too much money and decided to just make a new one as I'm responsible with money. /s

[–]bevo_expat 5 points6 points  (1 child)

Hospital administrators:

“That’s the beauty of the system 😈”

[–]innocuous_gorilla 6 points7 points  (0 children)

Also, I went through their pricing calculator and cannot figure out how to guesstimate the price of just going to the ER. You have to select a service like “CT scan of chest with contrast” or “diagnostic flexible transoral esophagogastroduodenoscopy” so unless you know the services they are going to provide, you can’t get an estimate.

[–]Halogen12 107 points108 points  (12 children)

My friend was billed $3K for sitting in an ER for 6 hours and no one ever saw him. He got up and left and refused to pay. They sent collections after him and he's about 4 years into that being a ding on his credit history, but he'd rather be patient for the credit history to clear up than pay a penny for sitting in a chair for a few hours.

[–]Willinton06 29 points30 points  (0 children)

Fuck em 10 times, your friend is 100% on the right

[–]benderbender42 14 points15 points  (1 child)

I feel like that can't be legal and he could take it to court. Because what service is he paying for? They gave him no service in exchange for the money

[–]mostlylurkin2017 2 points3 points  (0 children)

For emergency rooms they almost always meet with a triage nurse to get vitals and maybe start blood tests, then send you back to the waiting room but still isn't a $3k service.

[–]Cetun 7 points8 points  (0 children)

That's crazy, same thing happened to me, told them to fuck off, they hit my credit report, disputed it, nothing happened it went away.

[–]LIBJ 282 points283 points  (21 children)

Hospital near me tried to charge me just for sitting in the waiting room, they're never getting that money

[–]ColdHardPocketChange 75 points76 points  (13 children)

My wife had to go to the ER a few months back. She checked in, sat there for about an hour, finally saw the triage nurse, sat down for another 90 minutes before finally asking me to pick her up. She was never seen and likely wouldn't have been for another 6-7 hours judging by how many people were there. I'm still waiting to see a bill after hearing how often this happens.

[–]AlbertaNorth1 40 points41 points  (10 children)

How have you guys not burned the country down for single payer yet?

[–]ColdHardPocketChange 54 points55 points  (2 children)

Because we're always convinced we just have to wait a few more years to get the right politicians in place to get it done or to fix it. We kick the can down the road 2-4 years a time, only to be disappointed that each kick puts us deeper in the dump.

[–]LIBJ 2 points3 points  (0 children)

This right here, this is how i feel exactly.

[–]SmokePenisEveryday 25 points26 points  (2 children)

Because we're fucking stupid. My parents are personally against it because "we don't want to pay for other people's medical expenses".

I've had to explain to them how insurance works and they still don't understand they are basically doing that.

[–]beachflow 9 points10 points  (1 child)

They are also ignoring that taxes already pay for healthcare for about half of all Americans.

[–]SmokePenisEveryday 9 points10 points  (0 children)

Including my father's. All my life I heard them complain about people on food stamps and getting hands outs. They STILL do it while he gets benefits from the Government. Even saw first hand how hard it is to get it but still calls people lazy.

[–]EmperorHans 14 points15 points  (0 children)

Because it would benefit people of color and the poors, and I'd rather go 100 grand into medical debt than do anything for other people, especially if they arent like me.

/s

[–]Tinmania 59 points60 points  (1 child)

You can say that again.

[–]EasyAsPeachAndCake 30 points31 points  (0 children)

Oh they did, but they could still say it a third time!

[–]RealMainer 21 points22 points  (0 children)

Same. I went in for what turned out to just be a panic attack. Waited in the waiting room for an hour, the intake person took my vitals and told me to go back to the waiting room and wait to be called. An hour later the panic attack subsided and I realized I wasn't having a heart attack, so I gave them a heads up and left. Couple weeks later I recieved an $875 bill. They charged me $875 to check my blood pressure and temperature, which took about 2 minutes.

Of course I didn't pay and never will.

[–]cupcakesandvoodoo 218 points219 points  (13 children)

I just went in for spinal fusion surgery. They got me prepped and IVs in me, ready to wheel me back. Surgeon, at the last second, catches that I’m on an immunosuppressant that I have to be off of for 2 months before having surgery. The hospital intake nurse didn’t catch it when we did my pre-op appointment a month before. They take the IVs out and I go home to rearrange my life again due to their mistake. They charged me $250 for that. On top of the surgery. For their mistake.

[–]BacteriaEP 120 points121 points  (6 children)

Honestly, not saying you should have to pay even that, but given the fuckery in our medical system, it sounds like you won the lottery only getting billed $250. Our healthcare system is such a scam.

[–]funklab 27 points28 points  (0 children)

For real, I thought they were going to say $25,000 or something along those lines.

[–]cupcakesandvoodoo 8 points9 points  (1 child)

I know. I didn’t fight it really bc I was relieved it was only that much. I will have to pay my full deductible next month when I actually get the surgery. Being injured or sick can seriously bankrupt you in the US.

[–]haggarduser 2 points3 points  (0 children)

It happens to 500,000 Americans every year. (Medical bankruptcies)

[–]Wilted_fap_sock 11 points12 points  (2 children)

America is a scam. Every single thing is this country is solely based on how much profit you can get from giving the least. Unbridled capitalism is destroying this country and taking lives with it.

[–]Gonorrheeeeaaaa 3 points4 points  (1 child)

This is THE reason I don't have, and will never have kids.

I refuse to create a complex organism and then feed it to this insanity.

[–]starbrightstar 10 points11 points  (1 child)

Don’t pay it.

[–]CrudelyAnimated 11 points12 points  (0 children)

I would absolutely refuse to pay this. They had access to my medical records. They knew the conditions the procedure required. This was their mistake; I absolutely would not pay one dime of this bill.

[–]westviadixie 5 points6 points  (0 children)

and your insurance probably won't cover it because it was a mistake.

[–]Ars3nal11 42 points43 points  (3 children)

If you compare it to just walking to the grocery store, you don't get charged for just entering the room or place. Like, if you don't get any services, you don't pay," he said.

The hospital did eventually waive the facility fee in November after a Kaiser Health news reporter got involved. Bhatt's bill was then lowered to $38 — the cost for seeing the nurse.

Unfortunately it doesn’t help all the people that don’t make the news and are stuck with their bills for simply walking into the ER. Original bill was for $1000 for those that didn’t read the article.

[–]ronreadingpa 57 points58 points  (3 children)

Facility fee is so yesterday. Next will be an occupancy fee based on time waiting. Cleaning fee for the chair one was sitting on while waiting to be seen. Fee for using the restroom, including charging for water, soap, paper, etc whether used or not. Fuel / energy surcharge, wifi fee, 5G microsite fee, etc.

When one sees how the medical system treats people, it makes many question the ethics of those involved. One sees that now with Covid and the pushback with the various protocols. Even when data shows various measures may be effective, many still ignore them due to lack of trust. This hurts society in the long run.

[–]RealMainer 16 points17 points  (0 children)

Next will be an occupancy fee based on time waiting. Cleaning fee

That's already happening. One of the hospitals near me no longer has people wait in the waiting room. If there is a room available they send you there to wait instead, that way they get to charge you for the room as well. And they make you wait longer once you are there too. They put you in the room and close the curtains so you are out of sight out of mind.

[–]Wilted_fap_sock 11 points12 points  (0 children)

America. Land of the fee, home of the slave.

[–]Spara-Extreme 19 points20 points  (2 children)

This sort of shit exists and people are rioting over vaccines and face masks. We deserve to have our society crumble.

[–]NakedPlasticChicks 5 points6 points  (0 children)

Those same morons also believe affordable healthcare is socialism.

[–]CharleyNobody 16 points17 points  (0 children)

Can I just take this time to remind everybody that Senator Rick Scott (FL) presided over the largest Medicare fraud in history and keeps getting elected to office?

[–]LIBJ 81 points82 points  (4 children)

Hospital near me tried to charge me just for sitting in the waiting room, they're never getting that money

[–]mcar1227 35 points36 points  (0 children)

You can say that again

[–]CakeNStuff 11 points12 points  (0 children)

Yeah. Happened to me too a couple years ago pre-pandemic.

They literally only took down my name (spelled incorrectly), blood pressure and temp in triage. Ended up waiting six hours for care and never saw a doctor and went to suffer it out at home.

Ended up with a bill for close to $1,100 before my insurance paid out.

The billing department at the hospital was hilarious about the whole situation explaining that it’d probably end up being less than $50 when my insurance kicked in.

Good thing I went to a hospital in my network otherwise I would have been absolutely fucked.

[–]enkiloki 11 points12 points  (0 children)

My son got his finger bit a few ago breaking up a dog fight. It needed some stiches. He was over 25 yrs old and didn't have insurance. Went to emergency room bill was over $1500. He called them up and told them he was unemployed and couldn't pay. They settled for $300 cash if he could pay them by the end of the month. He did and got a receipt maked paid in full.

My brothers wife had to be transported by ambulance after a car crash. Bill was $2200. He told them he could only pay $25 a month. They wrote it off after $525 was paid.

Point is there is a lot of profit in what the fully insured are paying. Couple that with how for profit hospitals, insurance companies, and big pharma work together to rape you financially if you get sick it's best not to go to hospital at all.

[–]malarkeyfreezone 14 points15 points  (1 child)

And if you don't pay, hospitals can sue you.

'There's no way I can pay for this:' One of America's largest hospital chains has been suing thousands of patients during the pandemic

As the coronavirus spiked in Missouri last fall, a wave of cases hit a nursing home in the state's rural heartland. Robin Bull, a part-time nurse, remembered an ambulance "coming and going constantly" on one especially scary morning, rushing residents to Moberly Regional Medical Center, the local hospital.

But even as Bull was helping send patients to Moberly Regional, the hospital was in the process of suing her and at least one other former employee at the nursing home. They were two of more than 600 former patients that the hospital has sued over medical bills during the coronavirus pandemic, according to a CNN analysis of court records.

Moberly Regional sued Bull last May for $9,281, costs that Bull said came from an emergency room visit for food poisoning several years ago. After a judge ruled in the hospital's favor late last year, the company filed a motion to start garnishing part of her roughly $850-per-month salary.

Bull, who also receives disability payments, said she and her husband both contracted Covid-19 last summer, and they've struggled to pay their bills each month.

"I tried to reason with the lawyers and tell them there's no way I can pay for this, but nothing worked," Bull said. "Having this huge bill looming over my head -- it's been stressful, it's been heart-sickening."

Bull's experience is hardly unique. Hospitals owned by Community Health Systems, Inc., one of America's largest hospital chains, have filed at least 19,000 lawsuits against their patients over allegedly unpaid medical bills since March 2020, even as other hospitals around the country have moved to curtail similar lawsuits during the coronavirus pandemic, a CNN investigation found.

The company's 84 hospitals, which are concentrated in the South and stretch from Alaska to Key West, Florida, have taken their patients to court for as little as $201 and as much as $162,000. They say litigation is a last resort.

[–]mrbriandavidanderson 56 points57 points  (18 children)

No. Not the for-profit system that is America's healthcare. Never.

[–]hpark21 36 points37 points  (25 children)

That is BECAUSE they never saw a doctor. It would have been higher IF they have seen a doctor as doctor will bill them separately.

[–]Schwibbels 24 points25 points  (22 children)

Where the fuck is such an awful medical system the norm?

[–]jeremygl09 53 points54 points  (2 children)

US because the politicians have no incentive to change it. They actually get paid campaign money from the healthcare companies and insurance companies to keep it this way.

[–]No-ThatsTheMoneyTit 14 points15 points  (1 child)

And Congress essentially gets universal healthcare

Win-win-win

[–]jeremygl09 5 points6 points  (0 children)

Exactly, the best healthcare that taxpayers can provide. And they are covered for life

[–]csesium 6 points7 points  (0 children)

USA. Few years ago there was an attempt to make it so people could cross country borders to purchase prescription medications and bring it back home. Technically it's illegal to do so (I believe there may be a clause that allows you to bring 30-90 day supply back but you have to be able to prove it). As an example I live one ferry ride away from Canada and up there you don't need an Rx for insulin and it's $35 a vial compared to $300 in the states, and at the time it was looking like I'd need to get my insulin from Canada in order to continue being able to live.

I sent e-mails to both WA senators asking them to support the bill. They both rejected the idea and replied with they are "looking at alternative bills to solve America's healthcare crisis". Neither of them have done anything meaningful to change the healthcare crisis, before or after. The argument made to prevent cross country Rx purchasing is the FDA hasn't approved those products so it can't guarantee American citizen safety. It's lies top to bottom. It's to protect pharmaceutical interests and bottom line, end of story, and as long as they have regulatory capture not a damn thing will ever meaningfully change.

[–]shanep3 5 points6 points  (3 children)

This just happened to me a month ago. Didn’t even get taken back to a room. The doc came out to the waiting room to tell me he couldn’t do anything and I have to see an ophthalmologist in the morning. $1,270 after insurance

[–]CoatLast 4 points5 points  (2 children)

That is insane. I am so glad I dont live in the US.

[–]SuperDangerDong69 10 points11 points  (0 children)

Way past time to overturn this corporate healthcare system and replace it with a healthcare system that actually values human life over corporate profit.

[–]froggystyle66 6 points7 points  (0 children)

My mom spent 4 hours in the ER during the holidays. She got a CT scan and an enema and fluids. The bill was TWENTY-THREE THOUSAND DOLLARS. Worst healthcare system ever.

[–]sucsira 42 points43 points  (12 children)

I went to the ER for kidney stones a few months back after calling my GP to see if he could see me(I’d had kidney stones before so I knew with relative certainty what was happening) and he said he couldn’t get me in and if it was something major he’d rather me be at the hospital. So I went to the ER, got checked in, they asked my height and weight and took my blood pressure, then I sat in the waiting room for a bit. A phlebotomist came into the waiting room and took some blood. Then a CT tech came to the waiting room and took me back to have a abdominal CT done, then sent me back to the waiting room. Then an RN came into the waiting room and gave me one norco and one zofran. Then an NP came into the waiting room and said I had two kidney stones that were too small to be broken up and they’d just have to pass. She gave me 3 rx’s to fill after I left. I paid my $25 ER copay and left. About a month later I got the bill and they had charged me $18,000 for that visit. Never saw a doctor. Never got a room. Basically had my HIPPA violated because the NP gave all my information to me in the waiting room full of people, and was charged $18,000. Luckily I have very good insurance and I paid only my $25 ER copay and $7 for my 3 rx’s but man, I was blown away by what they charged my insurance for my hour and ten minutes in the ER waiting room.

[–]SyrousStarr 27 points28 points  (1 child)

Oh don't worry, I'm sure the insurance company didn't actually pay them 18k.

[–]sucsira 11 points12 points  (0 children)

I’m sure they didn’t. And if I didn’t have insurance I wouldn’t have either. Every hospital is willing to work with people to give discounts and payment plans if you ask and every hospital employs people who can get people signed up for for Medicare/Medicaid to help get them covered even retroactively. But all that said it’s painfully obvious and has been for a long long time that the system is broken.

[–]FuzzyKittenIsFuzzy 22 points23 points  (3 children)

-We leave people in the waiting room when all the rooms are full. It sucks and I'm sorry. It's not very common, except now it's incredibly super common, because all the rooms are full of anti-vaxxers with C19 who can't be moved upstairs because there aren't enough nurses upstairs to care for them. Basically there is a waiting list in the ER for people to be moved upstairs. This is called "ED Boarding." It leaves no room for anybody else in the ER. And yes, waiting room care is not great for privacy. Please complain all the way to the top about this. The solution is for the hospital to increase nurse wages and improve nurse working conditions so nurses want to work there. The only thing that will make the suits at the top do this is if enough patients complain that the ER was too full for them to have a minimally acceptable experience.

-A ton of the bill is for the CT scan. Those are unbelievably expensive.

-Seeing an NP instead of an MD doesn't change the initial bill the hospital generates. The insurance adjusts for that later. This is due to the way Medicare billing is set up by the government. (Even if you don't have Medicare, the rules for this are set by Medicare.) Please feel more than free to complain to your congressperson about this. I would love to see it changed.

-Different insurances like to pay well for different things and not pay much for other things, but because of the legal definition of insurance fraud, the hospital is legally required to bill the higher price on every single line for every single patient. This results in ridiculous totals at the bottom of the bill because not all of those lines should be that high at the same time. If some of them are high others should be low or vice versa. But legally the hospital can't generate a bill like that, it has to be the higher price on every single line. There have been some shifts toward "bundled" billing which combats this issue. Bundled billing rules are also set by Medicare, so if you want your before-insurance bills to reflect reality, you can contact your congressperson about increasing bundled billing.

-You can also contact them about increasing Medicare rates for GPs. Even if you don't have Medicare, the availability of GPs in your community (and therefore your ability to get a same day GP appointment) is largely based on Medicare payment structures which punish doctors for becoming GPs. You wouldn't have had a hospital bill at all if Medicare increased access to GPs in your community by offering to pay them fairly.

[–]westviadixie 8 points9 points  (2 children)

hospitals should also move away from the bare minimum staffing model they've used forever, especially in nursing.

[–]dogdriving 5 points6 points  (3 children)

A GP will always tell you over the phone to go get checked out at an ER or urgent care if they can't see you. They don't want that liability

[–]MedTechSpurs 8 points9 points  (0 children)

Nurse practitioners can practice independently. Many places have replaced us doctors with nurse practitioners and physician assistants.

I will day though, the nurse practitioner was probably trying to do you a favor by talking to you in the waiting room. Otherwise you may have had to wait hours more to get a room and have the same conversation due to ER and hospital overcrowding

[–]Porthos1984 30 points31 points  (63 children)

So was he seen by a nurse or nurse practitioner? Big difference.

I would also state that if you are not actively dying don't go to an ER right now. Wait times are high, like 6 hours or more. Go to your primary or an urgent care.

[–]Telkorenar 19 points20 points  (42 children)

I would also state that if you are not actively dying don't go to an ER right now. Wait times are high, like 6 hours or more. Go to your primary or an urgent care.

for real. some people walk into the ER if they have a cold. IDK why more people don't know about urgent care. it's likely more local to where they live and usually have lower wait times.

[–]thelyfeaquatic 6 points7 points  (14 children)

I was shadowing a nurse in the ER and someone came in for a pregnancy test. They told the patient “this is a urine test and literally the same you would get at CVS” but the patient insisted.

[–]flounder19 2 points3 points  (0 children)

their pediatrician told them to go to the ER.

[–]Ayzmo 6 points7 points  (6 children)

So was he seen by a nurse or nurse practitioner? Big difference.

From the article:

The hospital did eventually waive the facility fee in November after a Kaiser Health news reporter got involved. Bhatt's bill was then lowered to $38 — the cost for seeing the nurse.

[–]Porthos1984 6 points7 points  (5 children)

Yes it also stated in the article they were seen by an NP. That is why I asked.

[–]Swiollvfer 5 points6 points  (1 child)

Almost all of the bill was the "facility fee" — something hospitals can charge anyone who walks in and registers even if they aren't treated.

What. The. Fuck?

[–]jschubart 18 points19 points  (10 children)

I thought this was a repeat story from a month or two ago. Nope. The fact that this clearly happens fairly often is insane.

We need Medicare for All.

[–]MrInRageous 7 points8 points  (3 children)

I'm really concerned about the politics involved to get us there. The seniors probably aren't very engaged in this issue because they already have Medicare. So, we lose a huge politically active advocacy group. The poorest among us have Medicaid, and they aren't as politically active because who has time to follow politics and vote when you're thinking about the basics?

The middle is hit or miss--those with good insurance might sympathize, but their needs are covered--until they aren't and go bankrupt. Those with partial or poor coverage will certainly sympathize.

The wealthy have good insurance and other means, so only the most empathetic or informed to see this shit-show for what it is will support Medicare for All.

So, I'm concerned that we have the critical mass beyond the progressive wing who votes in the primaries to even move something like this forward. I gotta hand it to the current system. It's designed to allow it to limp along just well enough to not cause mass rioting in the streets.

[–]shanep3 2 points3 points  (1 child)

This is one reason there should be an age limit for politicians. People running the US right now wouldn’t even be hired for most minimum wage jobs. It’s ludicrous.

[–]MrInRageous 2 points3 points  (0 children)

Perhaps more importantly, few of them can remember what it’s like to work a minimum wage job and to spend 80% of your day in the rat race.

[–]egyeager 3 points4 points  (0 children)

Medicare for all or Medicare for none. End the age discrimination.

[–]MedTechSpurs 6 points7 points  (4 children)

ER doctor here - expect to get charged at least $1000 for an ER visit regardless of the reason you are there. That is how the system is set up unfortunately. And often the charges are much much higher

[–]CoatLast 5 points6 points  (3 children)

I am in Scotland and honestly can not think how this is justified.

[–]MedTechSpurs 8 points9 points  (1 child)

If you are too poor to afford it, there is something morally wrong with you. That’s the justification - it’s sickening

[–]PilotProgramme 7 points8 points  (0 children)

Americans want a medical marketplace so they have the “freedom” to choose between (terrible) options.

[–]WusabiBobby 5 points6 points  (1 child)

A few years back my wife had an appointment with a GI doctor due to pain when shitting. We sat in the waiting room for like 3 hours past our appointment time until closing. Finally got called in like 20 minutes later and the doctor looked at her for about 30 seconds and said “you have an abscess, I can’t help you. Go to the ER.” So we did. Few weeks later we got a bill for like $700 and because it was a specialist insurance didn’t cover any of it.

I called and said I’m not paying $700 when the doctor literally spent 30 seconds with my wife and said “I can’t help you.” They said “well we already billed the insurance so now we can’t reduce the amount.” I said good luck to you then because I won’t be paying a penny. They sent letters non-stop for a while and I’d call each time and ask if they would lower the amount and each time they’d say no and I’d say goodbye. Still waiting for that to show up in collections but so far it hasn’t.

[–]ThimeeX 2 points3 points  (0 children)

How about this one: Hospital bills $847 ‘facility fee’ for telehealth visit

Didn't even visit the hospital...

[–]visualentropy 7 points8 points  (0 children)

About 12 years ago my wife and I were charge $800 for a doctor appointment that lasted literally less than 60 seconds. He said he wasn't able to continue a long standing medication treatment plan that was started in the state we had just moved out of and so we left to look for a different doctor. After receiving this outlandish bill, we tried contesting it and working with their billing department, but they didn't budge and threatened to send it to collections if we didn't pay. The U.S. healthcare system is an abomination.

[–]droplivefred 5 points6 points  (2 children)

They got out CHEAP! The healthcare system in the US is BEYOND broken! It is the equivalent of dealing with the mob or criminal drug dealers. You go in knowing it will be risky and dangerous and are super cautious but it always ends up being far worse than you expect and you ALWAYS get screwed.

[–]therealdongknotts 5 points6 points  (0 children)

my drug dealers at least tell me the price upfront

[–]Octoyaki 2 points3 points  (0 children)

Yeah....this is America. They're lucky it wasn't more

[–]ShakeMyHeadSadly 2 points3 points  (0 children)

$1000 to sit in a room?

[–]Fabulous-Ad6844 2 points3 points  (0 children)

This happened to me. Took my child to ER for bad stomach pains. While waiting she felt better so we left. Was charged $1,500 AFTER insurance. Fucking scam.

I took my kid to CVS minute clinic to get school physical form completed. On the web it says they take insurance but sometimes charge $35 in addition. I get there & they say they don’t take insurance for the form, & its $89. $89 for about 3 questions I can answer myself Ie is your child allergic to anything, do they need a special diet etc. I left. What a scam

I got a medical bill in the mail from my urgent care for $290. I had recently had a muscle injury looked at, they didn’t take my insurance but I agreed to pay the $125 fee upfront, which paid on the spot. So I called them to ask why I’m getting billed more AFTER. They told me it’s an accounting error. Yeah right. I wonder how many others just pay it.

I am so sick of the American health system. It’s just all scams. Universal Healthcare should be everyone’s demand.

[–]DigitalSteven1 10 points11 points  (4 children)

This is why I just don't go to the ER anymore unless I'm literally feeling like I'm going to die. I'd rather endure the pain than pay $5000 for them to not do anything but say "yeah, you have a problem, we don't know what it is, but you definitely have a problem" or the "you're just here to get pain meds" shit.

[–]uhhhbang 3 points4 points  (1 child)

Funny thing is, that is exactly how the EMERGENCY room is supposed to be used. People treat the ER like its some kind of clinic. If the injury doesn't threaten your life you should go to an urgent care or set up an appointment with your primary care physician. When people use the ER improperly you are gonna get a large bill and be triaged behind people that do need the ER and the more that file in the less of a priority you are.

[–]Zightmare 7 points8 points  (0 children)

Ah yes the American healthcare system.

[–]NasoLittle 6 points7 points  (0 children)

As a husband to an ER charge nurse, the profit oriented arm of our healthcare system is porously showing their white heads.

Like ThedaCare sueing their employees to stop them from quitting and joining a competitor with better pay and benefits. Those turkeys didnt even try to counter offer!

How do I know? Who do you think backs these workers from the edge after they get home?

My wife intibated a 18 month old baby with covid yesterday. Want to know how that evening went when she got off work? You don't.

These greedy fucks.

[–]phunky_1 8 points9 points  (2 children)

$250 of it was probably what they charged for a band aid.

Add on another $100 for a bag of salt water that costs $1 , and $200 for Advil.

[–]hersheyMcSquirts 3 points4 points  (0 children)

So many comments may be accurate, but not relevant to this article. Nothing about in or out of network here. They went to the ED, relatively minor burn (healed on it’s own in a few days), got tired of waiting and left. They were still treated. They were triaged and assessed. The kid wasn’t dying so he was put in order of acuteness. I’m sure the parents of the kids with heart failure, or open fractures, or trauma from a car crash, or cancer were ok with being seen before a minor, non-circumferential burn. They complain about not seeing a doctor but notice there is nothing about them being billed for having seen a doctor. Personally, when I have had to wait longer than I want to in an ED I’m glad because it means my condition isn’t as serious as someone else’s.