The no-insurance cost of the delivery and hospital stay total for my first pregnancy was a bit past $3,500, which is much lower than I expected it to be. But then, that doesn't include all the prenatal visits, non stress tests, ultrasounds, etc.
With our insurance, that happened to include maternity coverage, we left the hospital after writing a $12 check for the birth certificate filing.
jpanddanielle (rep: 96) posted May 04, 2012
It makes absolutely no sense to me that the same doctors and hospitals which charge an uninsured individual an arm and a leg readily accept a pittance for the exact same service for an insured patient. The insurer does not even remotely make up the difference between the patient's co-pay and the provider's "regular" fee.
A few years ago I had to see a specialist for a few visits after a hospitalization. I started talking with him about health care costs, and he surprised me by letting me see my account records in his computer. His regular office visit fee: $300, my co-pay: $40, the insurer pays: $9. I couldn't believe that the insurance that me and my employer pay more for every year shells out a paltry $9 for each visit!
So if a specialist is willing to accept $49 in total payment per visit from an insured patient, why can't he charge $49 for an uninsured one? I'd really like to know. It would make sense if the majority of patients had no insurance, but that is definitely not the case.
Insurers pay hospitals less than half of what they bill uninsured patients. Why should the price be more than double just because someone has no insurance?
When a car needs body work that isn't covered by insurance, it's quite common to be given a discounted quote by the body shop. But when a patient has no insurance, they're expected to pay 3 to 6 times what the insured plus the insurer pay combined! WHY?
fluffy (rep: 2.2k) posted May 04, 2012
I just don't go unless I have been very sick for a long period of time such as last fall (I had flu symptoms for two weeks) or I think I might die. When I broke four toes I did go to the emergency room. That bill was about $1,000 though they didn't set the toes, they taped them together and gave me a mind-boggling painful shot for pain. That was about four years ago. I was finally able to wind my way through a lot of paperwork that eventually go the hospital bill forgiven. The E.R. physicians group reminded me of longshoreman in their attempt to collect their $500 (for about 15 minutes of attention). I still owe that.
erick99 (rep: 112k) posted May 04, 2012
I work with Texas Medicid that worka very differently than a private insurance does but i still see so much shit going arounf in that world too that its unbelievable. There is so many times that i have encoundered that we have paid a ospital more than what they billed us for!! I am still to understand why health care is so expensive in this country when every year theree are tons and tons of complications causing readmissions due to provider negligence!! This is such a sensitive topic for me cause i deal with this mess at work every day so i should just stop! Lol
Florida2Texas (rep: 13.9k) posted May 04, 2012
My friend doesn't have insurance and was in over $10,000 debt for her son's spinal tap. When my son was in the hospital, we racked over a million dollars of debt. We were able to get Social Security and Medicaid help because of his condition but organizing and keeping track of the bills was a nightmare!!
VirginiaPeanuts (rep: 11.8k) posted May 05, 2012
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