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View Diary: NYT: Debt Collectors In The E.R. And At Your Bedside During Recovery (168 comments)

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  •  My very basic ER visit w/ "good" insurance = $340 (38+ / 0-)

    Two weeks ago I went to the ER after suffering from severe stomach pains for 4 hours.  All they did was some basic lab work and administered morphine to take away the paid.  They think it's IBS and gave me meds for it.  I was there maybe 2 hours.  

    I have what some might call "gold plated insurance."  It's $150 co-pay for ER and it's a 90% coverage plan with very low deductibles.  My bill?  About $340 out of pocket in total.  Even that amount is rough on me.  Had I had no insurance it would have been about $1,700.  The entire HC system needs to be demolished and rebuilt.  It's an absolute disgrace.

    •  $340 for the ER? A bargain! (7+ / 0-)

      My most recent experience with the health care system was going to urgent care to get tested for strep.

      20 minute office visit + strep rapid test + backup strep test = $154.

      I'm currently shopping for a new primary care doc because the basic office visit charge has creeped up to $150 for a 15-minute appointment. And that's just for a checkup/maintenance visit. If I go to see him with an actual health complaint it costs even more because then it's not "preventive" care.

      If I had been in your shoes I would be on the hook for the whole $1,700 and I have insurance: a high-deductible plan (which I still pay $4,600/yr for) where the first $2,250 comes straight out of my pocket.

      This is how low things have sunk. People with insurance wilth thousands of dollars in medical bills. People with "gold-plated" insurance still looking at a hosptital bill for $340.

      Outside of a dog, a book is man's best friend. Inside of a dog, it's too dark to read. - Groucho Marx

      by Joe Bob on Tue Apr 24, 2012 at 02:52:51 PM PDT

      [ Parent ]

      •  I feel ya and I understand most are worse off (1+ / 0-)
        Recommended by:
        Joe Bob

        My (very large) employer covers nearly all of my premiums, with my portion amounting to only around $600/year for the insurance I have.  So I know I'm more fortunate than most.  

        Then again the reality is no companies are truly paying any of our health care premiums since that benefit just reduces our pay.  The health care insurance industry is all one big con game sucking the life out of this country.  I just wish others with relatively good insurance like myself would wake up and realize we're ALL at the mercy of our employer and under this system anyone can and will lose their coverage.

    •  Yes we have a similar plan, 150 copay for ER (2+ / 0-)
      Recommended by:
      Don midwest, ChadmanFL

      and a 500 annual deductible, with 80 pct paid after that.

      Then I think when the costs reach 10k, 100 pct is covered.

      However doctor visits are only 25 dollar copay and prescriptions are often 20 dollars for a 90 day supply but we must use mail order for prescriptions that demand more than one refill.
      But that is still a bargain.

      We have to meet the deductible of course and employers all over are threatening to raise deductibles however.

      But right now, we have a very good plan.  

      But with us being low wage earners, it is all very hard on us but we are so grateful for good medical and dental insurance.

      Follow PA Keystone Liberals on Twitter: @KeystoneLibs

      by wishingwell on Tue Apr 24, 2012 at 03:23:26 PM PDT

      [ Parent ]

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