My wife had to have hernia surgery, after spending the night in a hospital room in pain, prior to "emergency" surgery. We just received the bill. The grand total billed to our insurance company was almost $77,000! Of course, we can't tell which of the items are totally bogus. Even if I knew some were bogus, the insurance company would likely not care, since years ago, after another hospital visit, I found a bunch of bogus charges, and when I called the insurance company, they didn't care. It's all one big scam! I don't know how much we are going to owe because the summary sent by the insurance company indicated they are still reviewing the submitted charges from the hospital.
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Usually the insured pays a percentage of the charges. Mine is 20% . A 500 dollar MRI is billed at 5000dollars so my charge will be 1000 dollars to cover the actual cost and cost of another mri from an illegal alien or other. Insurance then pays a percentage of their negotiated cost which is next to zero.
Doctor explained this to me.