I had to get a CT scan for a hernia. Right before the scan I was laid off which meant no insurance. I got the bill and it was $6200. They DISCOUNTED 6000 and labelled it (uninsured discount). My bill then was $200. Wtf is going on?
I am a number person (money wise), so I always asked and want to know. I took my dad to imaging that doctors want my dad to get so when I took him there, they always asked for insurance. He had 2 at the time. They would tell him, "This one would pay this much, and the other one would pay the rest and it will be this."
I would chimed right in and said, "What if I pay by myself if I don't have insurance?" because at that time, I don't have insurance so I want to know that. I found out right away that it was 10% approximately. I will go without insurance most of my life until Obummer. Right now, I still have a small insurance from work, and dental I pay myself.
when my dad died back in 92 he was in the hospital for his last 3 days.after he died i was in charge of his estate. the hospital and every doctor that stuck their nose in his room started sending bills. on the advice of my aunt (RN) i asked the hospital for an itemized bill on EVERYTHING. when i got it i was shocked and pissed on what i found. to make a long story short i took a 3 day bill of 147,000 down to 3,500 after calling them on all the fraud. btw most of those docs that stuck their nose in without authorization got hosed too....always ask for itemized bills
I also had a "stick nose in room doc" bill. He literally stood at the doorway, asked how I felt, and left. He was NOT my doctor, or part of my doc's practice. I called his office, and told them I had no intention of paying him. Never heard back.
My father was in a care facility before he passed. He had an urgent issue and the care takers called an ambulance sending him to the emergency room. After treatment he was sent back to the care home via ambulance. The ambulance sent a bill for like 3K for the ride back to the care home. Medicare covered the ride to the hospital. My father passed away not long after. I received the bill from the ambulance company and I called them. They said medicare did not cover the ride back, and that someone should have picked him up from the hospital. I was out of the country on vacation and there was no one to pick him up. I told the ambulance company i would pay them the medicare rate which was like 500 bucks. They said no, I need to pay full fee. I told them to pound sand, and wished them good luck collecting because my father was deceased. So they got nothing. They should have taken my offer.
My late brother was a paramedic, as well as a volunteer fireman and dispatcher for a sheriff's department. He also attended a police academy. Deep down, I think he just liked to drive fast with the flashing lights and siren blaring.
I got billed for a "hospitalist" who was just in the same area I was in. I never saw him, but I got a bill.
A church friend had both knees replaced a few years ago. His wife went through the itemized bill and found that they had billed him for three knees. Of course she had that removed. And I know she wasn't polite one bit in her words to the hospital.
Your Aunt is wise. My Mom said that the right term was an Audit. She used to be an emergency room nurse and then became the head of utilization review. That is the person between the doctors and the insurance companies. Doctors always want more and insurance companies always want less. She didn’t take crap from nobody.
I was paying my Dr. cash for allergy shots. $10 each. When I bought the best health insurance I could ($350/mo 10yrs ago) I had to pay my copay of $25 and he billed $100. Having health insurance cost me $15 more. Then they denied my deviated septum surgery because they claimed it was cosmetic. F health insurance.
FYI, brain-dead here have seen this when I used to take my dad to different specialists, imaging, labs back in 2000-2008. It cost 10% approximately if you pay cash, compare to insurance for those same services.
ALL the comments up to here have been on point and I will tell my story with the late wife who had metastatic breast cancer...
What one commenter said about doctors sticking their head in the room is right on point. There were more than one that did that when she was in the hospital and when the bill came, I took it to my insurance company TO GET AN ITEMIZED STATEMENT AND TO GO THROUGH IT AND CHECK FOR DOCTORS WHO WERE NOT ON HER DOCTORS LIST!!!! A lot of doctors did not get paid!!!!!! This also includes the "floor doctors"!!!!!!!!!
I learn that even in my 20. When I need to get anything, I ask in advance how much it will cost me in cash and then prepare the fund for them. It's a lot cheaper. You know copay and premium is more than that if you calculate. I do calculate. LOL
I looked into. Basically everybody pools their money. So you will be paying for jo shmo who eats unhealthy and drinks and smokes while you watch what you eat and take care of yourself. So is not much different than any other healthscare.
Except they use Christians as their moniker.
My brother got myocarditis and later got pericarditis. He had been given 3 jabs so he could keep his job. He ended up having a pericardectomy. The hospital total bill was $4.7 million.
The Hospitals write off the bills that way, because it becomes a tax deduction for them at a loss. It is commonly done in the business world, they write off the loss at the retail price that's why you'll see crazy prices that's charged to insurance companies, Hospitals also are required by law to take care of all emergency rooms people that are Indigent that cannot pay the bill, they'll bill them knowing many will not even attempt to pay.
No, the hospitals will submit a Medicaid claim to the Welfare Office, hoping that the people are low-income and can qualify... then the State is stuck paying the bill and for all their ongoing medical care.
I think there’s another one called Medishare that works similar. It’s like insurance but not.
You send a check out or checks out to real people rather than an insurance company. You have a deductible yourself. So if you go beyond that, people send you checks.
To the hospital, you have no insurance, they don’t accept these as proper insurance.
To the government, you have insurance (forced by Obamacare), which may become important in the future again.
There’s no in or out of network. See who is best for you.
The reason it’s important that the hospital see you as without insurance is because you get the real rate of treatment and you don’t pay for the middle men between government “assistance” and insurance and hospital. Plus paying for the systems that slow each individual system to communicate with one another.
Yes. As a business owner it is a necessary evil at this point. We are to small to self insure at this point. Can wait for some reform. It is like a strangel hold on the company.
There is a reason they can't tell you how much something costs until they get your insurance information. And that is not to figure out what it's going to cost to you, it is literally so they can decide what the numbers are going to be for each item on the bill because they pre-negotiate with the hospitals and doctors and decide how much money each of them is going to make. Many people see these insane bills, and are thankful insurance is paying the bulk of that, only the insurance company usually doesn't even pay 10% of that. The insurance gets the discounted prices too, and they just split the money the person has been paying into insurance.
Insurance doesn't pay the hospitals that large sum either. Unfortunately, I have several medical issues and have been disabled for decades. I look thru the statement I receive monthly on what care they were billed for, what the charge was, and how much was "allowed" per contract. You can basically divide in half right off the bat.
Never go to the ER alone. Patient has a heart attack so medics take him to ER. Nurse gives patient a form to sign and says "This is just permission for us to treat you". On the form somewhere in the middle it states "DNR is applied". In other words they will not attempt resuscitation, just let you die. Family makes it to the hospital and are told sorry, he didn't make it. Here's the bill.
It is law that hospitals are to do everything possible to keep patient alive unless told otherwise by next of kin..Either scratch that off the form or just die in the comfort of your own bed.
I can confirm something similar to the video, but I guess worse. I got a $25,000+ bill but only spent about 3 hours in the emergency room. Wasn't even in one of the rooms as it was too full. Was in a chair in the hall. I had a kidney stone. They gave me morphine, did a ct scan (I think that's what it was called), and I think an ekg.
The $25,000+ bill was reduced by $24,000+ by the insurance company and I was left with several hundred to pay. Someone told me the insurance companies want to see the hospitals giving them big discounts so the hospitals jack up their prices so they can claim they're giving the insurance companies big discounts. Not sure if that's true but wouldn't be surprised.
I had another recent visit to an emergency room due to a bad cough. I needed codeine cough syrup as the over the counter stuff doesn't work. I called an urgent care facility and they said they only prescribe tessalon perles, not sure what those are, and I would need to go to my primary care doctor or the er for codeine cough syrup. Since I don't have a primary care doctor I went to the er. I spent 30 minutes in the er, only saw the triage nurse, she gave me the prescription and I left. Later I received two bills: one for $500+ from the provider (the triage nurse) and one for $2,200+ from the hospital. So they charged me $2,800+ for getting a paper prescription.
Problem I have I don’t trust the serpents, they can’t cure me of any disease so why should I bother? If you go to the ER the serpents give you morphine for real pain so why should I go there?
I had to get a CT scan for a hernia. Right before the scan I was laid off which meant no insurance. I got the bill and it was $6200. They DISCOUNTED 6000 and labelled it (uninsured discount). My bill then was $200. Wtf is going on?
I am a number person (money wise), so I always asked and want to know. I took my dad to imaging that doctors want my dad to get so when I took him there, they always asked for insurance. He had 2 at the time. They would tell him, "This one would pay this much, and the other one would pay the rest and it will be this."
I would chimed right in and said, "What if I pay by myself if I don't have insurance?" because at that time, I don't have insurance so I want to know that. I found out right away that it was 10% approximately. I will go without insurance most of my life until Obummer. Right now, I still have a small insurance from work, and dental I pay myself.
when my dad died back in 92 he was in the hospital for his last 3 days.after he died i was in charge of his estate. the hospital and every doctor that stuck their nose in his room started sending bills. on the advice of my aunt (RN) i asked the hospital for an itemized bill on EVERYTHING. when i got it i was shocked and pissed on what i found. to make a long story short i took a 3 day bill of 147,000 down to 3,500 after calling them on all the fraud. btw most of those docs that stuck their nose in without authorization got hosed too....always ask for itemized bills
I also had a "stick nose in room doc" bill. He literally stood at the doorway, asked how I felt, and left. He was NOT my doctor, or part of my doc's practice. I called his office, and told them I had no intention of paying him. Never heard back.
My father was in a care facility before he passed. He had an urgent issue and the care takers called an ambulance sending him to the emergency room. After treatment he was sent back to the care home via ambulance. The ambulance sent a bill for like 3K for the ride back to the care home. Medicare covered the ride to the hospital. My father passed away not long after. I received the bill from the ambulance company and I called them. They said medicare did not cover the ride back, and that someone should have picked him up from the hospital. I was out of the country on vacation and there was no one to pick him up. I told the ambulance company i would pay them the medicare rate which was like 500 bucks. They said no, I need to pay full fee. I told them to pound sand, and wished them good luck collecting because my father was deceased. So they got nothing. They should have taken my offer.
I have been in an ambulance twice, and I was never billed. When I win the lottery, I will donate money to them. I think the EMTs here are volunteer.
funny thing is my son worked for that ambulance company as a paramedic before he joined the fire department.
My late brother was a paramedic, as well as a volunteer fireman and dispatcher for a sheriff's department. He also attended a police academy. Deep down, I think he just liked to drive fast with the flashing lights and siren blaring.
good for you.....
I got billed for a "hospitalist" who was just in the same area I was in. I never saw him, but I got a bill.
A church friend had both knees replaced a few years ago. His wife went through the itemized bill and found that they had billed him for three knees. Of course she had that removed. And I know she wasn't polite one bit in her words to the hospital.
yes my dad got units of blood and morphine...3 DAYS AFTER HE DIED
Your Aunt is wise. My Mom said that the right term was an Audit. She used to be an emergency room nurse and then became the head of utilization review. That is the person between the doctors and the insurance companies. Doctors always want more and insurance companies always want less. She didn’t take crap from nobody.
I was paying my Dr. cash for allergy shots. $10 each. When I bought the best health insurance I could ($350/mo 10yrs ago) I had to pay my copay of $25 and he billed $100. Having health insurance cost me $15 more. Then they denied my deviated septum surgery because they claimed it was cosmetic. F health insurance.
damn, deviated septums are not cosmetic, it's functional. Damn insurance companies.
FYI, brain-dead here have seen this when I used to take my dad to different specialists, imaging, labs back in 2000-2008. It cost 10% approximately if you pay cash, compare to insurance for those same services.
The hospitals try to claim they need to recoup costs for the accounting and insurance staff they need to employ, but the margins don't add up.
I would not go there. LOL
I'd ask for the illegal alien discount/cash discount, much cheaper.
Howls.
ALL the comments up to here have been on point and I will tell my story with the late wife who had metastatic breast cancer...
What one commenter said about doctors sticking their head in the room is right on point. There were more than one that did that when she was in the hospital and when the bill came, I took it to my insurance company TO GET AN ITEMIZED STATEMENT AND TO GO THROUGH IT AND CHECK FOR DOCTORS WHO WERE NOT ON HER DOCTORS LIST!!!! A lot of doctors did not get paid!!!!!! This also includes the "floor doctors"!!!!!!!!!
I learn that even in my 20. When I need to get anything, I ask in advance how much it will cost me in cash and then prepare the fund for them. It's a lot cheaper. You know copay and premium is more than that if you calculate. I do calculate. LOL
Sorry. I am a brain-dead.
https://nitter.net/WallStreetApes/status/2036562627653161019
Thank you so much
You're very welcome.
Trump Care needed! ban attorneys, lower costs of medical schools
good post.
can hardly wait for positive change!
remdesivir, yeah, docs. who pro oted that need to eat some / a lot
New degree accreditation was one of his campaign promises. He's got 3 more years, but we can keep checking.
good reminder, looking forward to positive changes, thanks!
OMG got one.
https://www1.impacthealthsharing.com/omg
thanks! will check this out
Let me know once you do.
How about Medi-share, I've heard about it on the Christian radio station I listen too. I've always wondered if it was different or not
I looked into. Basically everybody pools their money. So you will be paying for jo shmo who eats unhealthy and drinks and smokes while you watch what you eat and take care of yourself. So is not much different than any other healthscare. Except they use Christians as their moniker.
Gotcha, thanks!
My brother got myocarditis and later got pericarditis. He had been given 3 jabs so he could keep his job. He ended up having a pericardectomy. The hospital total bill was $4.7 million.
big OOOF...
Does he regret the jabs? or even acknowledge the cause of his heart problems? Or are people in complete denial?
Yes. He now believes tbe whole thing was a scam/ treason
The Hospitals write off the bills that way, because it becomes a tax deduction for them at a loss. It is commonly done in the business world, they write off the loss at the retail price that's why you'll see crazy prices that's charged to insurance companies, Hospitals also are required by law to take care of all emergency rooms people that are Indigent that cannot pay the bill, they'll bill them knowing many will not even attempt to pay.
I don't end up in ER so don't know but yes, it's a scam with insurance and the doctors, hospitals.
No, the hospitals will submit a Medicaid claim to the Welfare Office, hoping that the people are low-income and can qualify... then the State is stuck paying the bill and for all their ongoing medical care.
I’ll say it. I advocate for Samaritan’s ministry and not insurance if you can / if it makes sense.
https://samaritanministries.org/
I think there’s another one called Medishare that works similar. It’s like insurance but not.
You send a check out or checks out to real people rather than an insurance company. You have a deductible yourself. So if you go beyond that, people send you checks.
To the hospital, you have no insurance, they don’t accept these as proper insurance.
To the government, you have insurance (forced by Obamacare), which may become important in the future again.
There’s no in or out of network. See who is best for you.
The reason it’s important that the hospital see you as without insurance is because you get the real rate of treatment and you don’t pay for the middle men between government “assistance” and insurance and hospital. Plus paying for the systems that slow each individual system to communicate with one another.
I hope there's no need for health insurance because we will have cures soon for virtually everything or these infamous med beds we keep hearing about.
Dr. needs to be separate from pharma and actually know how to cure, not put a bandage on.
I got denide for an MRI witch my copay was $800. I said screw it what if I pay cash. It was $400. It's such a scam.
Now u understand the math. Can you imagine they approve, you paid 800 plus all the monthly premium. Figure out the math. LOL
Yes. As a business owner it is a necessary evil at this point. We are to small to self insure at this point. Can wait for some reform. It is like a strangel hold on the company.
There is a reason they can't tell you how much something costs until they get your insurance information. And that is not to figure out what it's going to cost to you, it is literally so they can decide what the numbers are going to be for each item on the bill because they pre-negotiate with the hospitals and doctors and decide how much money each of them is going to make. Many people see these insane bills, and are thankful insurance is paying the bulk of that, only the insurance company usually doesn't even pay 10% of that. The insurance gets the discounted prices too, and they just split the money the person has been paying into insurance.
Insurance is a way of extracting money from people that work and giving it to people that don't. Auto, home, and medical.
Insurance doesn't pay the hospitals that large sum either. Unfortunately, I have several medical issues and have been disabled for decades. I look thru the statement I receive monthly on what care they were billed for, what the charge was, and how much was "allowed" per contract. You can basically divide in half right off the bat.
Yep. Another great example of FAFO lol
Never go to the ER alone. Patient has a heart attack so medics take him to ER. Nurse gives patient a form to sign and says "This is just permission for us to treat you". On the form somewhere in the middle it states "DNR is applied". In other words they will not attempt resuscitation, just let you die. Family makes it to the hospital and are told sorry, he didn't make it. Here's the bill.
It is law that hospitals are to do everything possible to keep patient alive unless told otherwise by next of kin..Either scratch that off the form or just die in the comfort of your own bed.
I can confirm something similar to the video, but I guess worse. I got a $25,000+ bill but only spent about 3 hours in the emergency room. Wasn't even in one of the rooms as it was too full. Was in a chair in the hall. I had a kidney stone. They gave me morphine, did a ct scan (I think that's what it was called), and I think an ekg.
The $25,000+ bill was reduced by $24,000+ by the insurance company and I was left with several hundred to pay. Someone told me the insurance companies want to see the hospitals giving them big discounts so the hospitals jack up their prices so they can claim they're giving the insurance companies big discounts. Not sure if that's true but wouldn't be surprised.
I had another recent visit to an emergency room due to a bad cough. I needed codeine cough syrup as the over the counter stuff doesn't work. I called an urgent care facility and they said they only prescribe tessalon perles, not sure what those are, and I would need to go to my primary care doctor or the er for codeine cough syrup. Since I don't have a primary care doctor I went to the er. I spent 30 minutes in the er, only saw the triage nurse, she gave me the prescription and I left. Later I received two bills: one for $500+ from the provider (the triage nurse) and one for $2,200+ from the hospital. So they charged me $2,800+ for getting a paper prescription.
Problem I have I don’t trust the serpents, they can’t cure me of any disease so why should I bother? If you go to the ER the serpents give you morphine for real pain so why should I go there?
First aid- car accident, sporting injury, etc
And the hospital still made a profit.