Current Events > Trip to the ER not covered at all, I owe $1160

(+) Yeah! (+)

Wow what a great healthcare system we have in this country.

lmao just make more money
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Should have walked it off.
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Not covered or just under deductible?
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take THAT, obamacare!
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Thanks Trump
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About a week ago, I had to go in to the ER; they had to give me a CT scan and all that fun stuff, so I'm just waiting for the bill to come in..

Only up side is, they are a teaching hospital, as well as a very local oriented one, so they tend to be much cheaper, and a lot nicer on payment plans for people without coverage. Still not looking forward to it though..
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Our system is trash but it's probably that "low" because your insurance negotiated prices down. (Granted, that's bullshit smoke n mirrors anyways.)

No HSA and high deductible plan = economic ruin.
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Why did you go to ER?
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Fuck me, imagine being in debt for going to A&E.
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Why did you go to the ER, and why wasnt your visit covered? I have a crappy plan and have never had to pay more than $250 for an ER visit. One of those visits included minor surgery.
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spent 4 weeks in hospital, had 3 brain surgeries all for free

git gud, NHS rep

KiwiTerraRizing posted...

Not covered or just under deductible?

Under deductible, it's like 6500 out of pocket max for individual

Anarchy_Juiblex posted...

Our system is trash but it's probably that "low" because your insurance negotiated prices down. (Granted, that's bullshit smoke n mirrors anyways.)

No HSA and high deductible plan = economic ruin.

I have an HSA at least but I'm letting it grow in mutual fund investments.

HypnoCoosh posted...

Why did you go to ER?

I was convulsing with a 102-103 fever, turned out to be pneumonia. Would have gone to urgent care but it was Easter Sunday and everywhere was closed except the ER.

So wait, even if you pay for "cover", you still have to pay an excess?

Wtf America?
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clearaflagrantj posted...

Wow what a great healthcare system we have in this country.

I was in the ER once. They treated me like shit, and when i got the bill in the mail A MONTH later they told me I had 5 days to pay and they included information in case I needed to go bankrupt (I didn't, but my point is, they know what they're doing).

Also, they misdiagnosed me and I almost died. They're fucking ruthless killers.

clearaflagrantj posted...

I was convulsing with a 102-103 fever, turned out to be pneumonia. Would have gone to urgent care but it was Easter Sunday and everywhere was closed except the ER.

Yeah that sucks. Urgent is so much cheaper.

Bad deal man but you're alive.
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Oatcakes posted...

So wait, even if you pay for "cover", you still have to pay an excess?

Wtf America?

Yeah your healthcare is through your employer so you get whatever they offer, they usually go for the cheap shitty options that don't cover everything, like if your insurer feels your illness doesn't justify a trip to the ER they make you pay it.

Healthcare is maybe the biggest reason why I want to leave this country. People should be openly revolting on the streets over it but we just take it on the chin.

Every other first-world country on earth - "LOL America"

HypnoCoosh posted...

clearaflagrantj posted...

I was convulsing with a 102-103 fever, turned out to be pneumonia. Would have gone to urgent care but it was Easter Sunday and everywhere was closed except the ER.

Yeah that sucks. Urgent is so much cheaper.

Bad deal man but you're alive.

In my personal experience urgent is a huge piece of shit. They're really incompetent.

America is the best country in the world if you're rich.

If you're not, then if you accidentally snip off your pee pee while doing origami you lose your house in hospital bills.
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frozenshock posted...

America is the best country in the world if you're rich.

If you're not, then if you accidentally snip off your pee pee while doing origami you lose your house in hospital bills.

So for most Americans, and most of the world, it's not so good
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clearaflagrantj posted...

Oatcakes posted...

So wait, even if you pay for "cover", you still have to pay an excess?

Wtf America?

Yeah your healthcare is through your employer so you get whatever they offer, they usually go for the cheap shitty options that don't cover everything, like if your insurer feels your illness doesn't justify a trip to the ER they make you pay it.

Healthcare is maybe the biggest reason why I want to leave this country. People should be openly revolting on the streets over it but we just take it on the chin.

I knew you had employers giving out healthcare and guessed you may have to pay for some expensive treatments, but literally paying for a trip to A&E when you have "cover" is mental.
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Oatcakes posted...

So wait, even if you pay for "cover", you still have to pay an excess?

Wtf America?

hahaha it's far worse than that.

You may go to an ER and a random number of fuckers may work on you. Turns out that your hospital may take your insurance, but not every one of these random fuckers take your insurance, so if 10 people worked on you you might still get 10 bills.

Shuto-uke posted...

Oatcakes posted...

So wait, even if you pay for "cover", you still have to pay an excess?

Wtf America?

hahaha it's far worse than that.

You may go to an ER and a random number of fuckers may work on you. Turns out that your hospital may take your insurance, but not every one of these random fuckers take your insurance, so if 10 people worked on you you might still get 10 bills.

How are there not daily riots?
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this is just an FYI

you are not obligated TO PAY IT OFF ALL AT ONCE.
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frozenshock posted...

America is the best country in the world if you're rich.

If you're not, then if you accidentally snip off your pee pee while doing origami you lose your house in hospital bills.

Accurate, the USA is like Vegas, its fun with money buy fucking sucks if youre broke.
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Shuto-uke posted...

and they included information in case I needed to go bankrupt

wtf!? I've heard the stories, but they seriously included info on that with their bill!?

So glad I'm Canadian. Far, far from perfect. Wait times are definitely an issue. But I'll take it in a heartbeat over the terrible, terrible US system and costs.
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Oatcakes posted...

Shuto-uke posted...

Oatcakes posted...

So wait, even if you pay for "cover", you still have to pay an excess?

Wtf America?

hahaha it's far worse than that.

You may go to an ER and a random number of fuckers may work on you. Turns out that your hospital may take your insurance, but not every one of these random fuckers take your insurance, so if 10 people worked on you you might still get 10 bills.

How are there not daily riots?

Well, people who get this are publically shamed for not being rich and for getting sick in the first place ("you lead a bad lifestyle which led you to your disease, heathen")

Shuto-uke posted...

HypnoCoosh posted...

clearaflagrantj posted...

I was convulsing with a 102-103 fever, turned out to be pneumonia. Would have gone to urgent care but it was Easter Sunday and everywhere was closed except the ER.

Yeah that sucks. Urgent is so much cheaper.

Bad deal man but you're alive.

In my personal experience urgent is a huge piece of shit. They're really incompetent.

Urgent care usually just sends a random combination of prescriptions and sends you out the door. Usually a Z-Pak and tell you to git

Though if clear got CAP a Z-Pak actually would've been
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Shuto-uke posted...

Oatcakes posted...

So wait, even if you pay for "cover", you still have to pay an excess?

Wtf America?

hahaha it's far worse than that.

You may go to an ER and a random number of fuckers may work on you. Turns out that your hospital may take your insurance, but not every one of these random fuckers take your insurance, so if 10 people worked on you you might still get 10 bills.

I can tell you right now, it is possible to submit your ER visit to your Insurance AFTER YOUR VISIT. Plus the employees at the hospital can submit it for you if you give the information to them.
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Sir Will posted...

Shuto-uke posted...

and they included information in case I needed to go bankrupt

wtf!? I've heard the stories, but they seriously included info on that with their bill!?

Yeah.

The fact they took like a month to send me the bill and gave me 5 fucking days to pay, combined with the bankruptcy information included right in the same bill truly made me feel they wanted me to go bankrupt.

As shitty as US coverage is, it's clear that many posters here don't understand the concept of insurance to begin with.

Do other countries not have car insurance? It works the same way.
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wait was it not covered or have you not met your deductible?
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Jiek_Fafn posted...

As shitty as US coverage is, it's clear that many posters here don't understand the concept of insurance to begin with.

Do other countries not have car insurance? It works the same way.

People aren't cars though.
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Oatcakes posted...

Jiek_Fafn posted...

As shitty as US coverage is, it's clear that many posters here don't understand the concept of insurance to begin with.

Do other countries not have car insurance? It works the same way.

People aren't cars though.

That's the thing.

Almost very country on the planet consider health insurance to be something fundamentally different from fire insurance, flood insurance, etc. It's not the same thing. At all.
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Be glad it was that much tbh. That's well within a lot of people's deductable.
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Balrog0 posted...

wait was it not covered or have you not met your deductible?

Deductible, I would have owed 20% after I hit the $2600 deductible

Quick question.

Do you get charged by the other emergency services for attending? (Bill from fire department for putting out fire, bill from police for arresting someone who assaulted you etc).
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clearaflagrantj posted...

KiwiTerraRizing posted...

Not covered or just under deductible?

Under deductible, it's like 6500 out of pocket max for individual

Anarchy_Juiblex posted...

Our system is trash but it's probably that "low" because your insurance negotiated prices down. (Granted, that's bullshit smoke n mirrors anyways.)

No HSA and high deductible plan = economic ruin.

I have an HSA at least but I'm letting it grow in mutual fund investments.

HypnoCoosh posted...

Why did you go to ER?

I was convulsing with a 102-103 fever, turned out to be pneumonia. Would have gone to urgent care but it was Easter Sunday and everywhere was closed except the ER.

hopefully you've gotten better after the illness my grandmother came down with pneumonia twice on two occassions. 1st time cant remember what it was, but 2nd time was when she went to a club and encountered someone who was sick and wouldn't stop talking that led to round 2. barely had enough to cover the medical bills.

she lives in another state if anyone asks.
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Oatcakes posted...

Quick question.

Do you get charged by the other emergency services for attending? (Bill from fire department for putting out fire, bill from police for arresting someone who assaulted you etc).

Yep. Every day.
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Shuto-uke posted...

Oatcakes posted...

Shuto-uke posted...

Oatcakes posted...

So wait, even if you pay for "cover", you still have to pay an excess?

Wtf America?

hahaha it's far worse than that.

You may go to an ER and a random number of fuckers may work on you. Turns out that your hospital may take your insurance, but not every one of these random fuckers take your insurance, so if 10 people worked on you you might still get 10 bills.

How are there not daily riots?

Well, people who get this are publically shamed for not being rich and for getting sick in the first place ("you lead a bad lifestyle which led you to your disease, heathen")

Sounds like a crazy Japanese custom, rather than an American one.
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So glad I never needed care while I lived down there.

How you people haven't revolted over this shit is baffling
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DevsBro posted...

Oatcakes posted...

Quick question.

Do you get charged by the other emergency services for attending? (Bill from fire department for putting out fire, bill from police for arresting someone who assaulted you etc).

Yep. Every day.

So they don't "send you a bill", you pay taxes.
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Last year i took an ambulance to hospital, had my appendix out the next day, and left the following day.

Total cost: $25 for my fiance's parking at the hospital

I do not have health insurance. Public health care ftw
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So fucked up, America is such backward ass country, corporations have too much power our political system.
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Sadly capitalism will always be against national healthcare.
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Shuto-uke posted...

Oatcakes posted...

So wait, even if you pay for "cover", you still have to pay an excess?

Wtf America?

hahaha it's far worse than that.

You may go to an ER and a random number of fuckers may work on you. Turns out that your hospital may take your insurance, but not every one of these random fuckers take your insurance, so if 10 people worked on you you might still get 10 bills.

Yep, this. My wife wound up in the ER with extreme dehydration from the flu, and wound up getting $1000 from the hospital, $500 from the doctor, $250 for the pathologist, and $50 for the hematologist.
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Balrog0 posted...

wait was it not covered or have you not met your deductible?

They have several ways to get you.

The first one is the deductible. If you have a high deductible you're fucked.

If your deductible has been paid (by you), they can still refuse to cover certain procedures, or they can refuse to cover certain medications, or my favorite, they can choose to cover up to an amount "they consider reasonable".

True story, if you have a mole you need to have looked at, and turns out they may have to take a biopsy to see if it's benign or not (not ER, I know, but still medical expenses) . that implies a topical painkiller, a painkiller shot, shaving your mole with a blade, antiseptic, and then the laboratory work to analyze the mole.

I had that. The price was $200. My fucking insurance told me they would only cover $20. TWENTY DOLLARS?! Do they expect the doctor to use vodka as painkiller and antiseptic and use some blade they found in a dumpster?!