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Old 12-31-2012, 09:08 AM
 
5,150 posts, read 6,626,267 times
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Quote:
Originally Posted by FrankTheTank2 View Post
I am a state employee so our plan is BCBS NC State Employee Plan. I pay $550+ per month for this plan too. Gone are the days when state employees got "good benefits".

I am going to call them about this later. My understanding is that our ER copay is $291 (I paid that when I was at the ER) and we have a 30% co-insurance so 30% of $1450 is $435 which is the bill I just got from CMC. I hope I am wrong.

Thanks for the advice on Urgent Care. I assume that is a lot cheaper than the ER? I will call them first next time.

UPDATE: Turns out that bill was only the facility charge. There is a separate $960 bill from the doctor/nurse who saw her. 40 minutes in the ER for a small cut = $2,410
You're paying for those that can't pay. The US is the only country I know of where cash customers pay the highest rates.
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Old 12-31-2012, 10:09 AM
 
807 posts, read 2,039,701 times
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There is a children's urgent care in Cotswold and Blakeney. Usually the co-pay for urgent care is much less compared to an ER co-pay.
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Old 12-31-2012, 12:20 PM
 
Location: NC
6,032 posts, read 7,509,804 times
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Avoid the ER at all costs and utilize the urgent care facilities.... ER is absolutely cost prohibitive even with great insurance. Most plans now are instituting exclusions for ER care because of the high costs.
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Old 12-31-2012, 01:04 PM
 
1,253 posts, read 4,154,057 times
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Thanks for everyone's advice. I called BCBS and they told me if I went to the Urgent Care it would have only been an $86 co pay they would pay 100% of the rest.

Expensive lesson learned on my part.
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Old 12-31-2012, 01:42 PM
 
416 posts, read 807,654 times
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Once you have BCBS adjust the claims and you know how much you owe, call the providers and ask to be put on a payment plan. There is a chance you saying that will open them up to negotiate. When my wife had our kid's I asked for a payment plan on the remaining balance after insurance and they offered to knock 30% off what I owed if I paid over the phone.
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Old 12-31-2012, 02:05 PM
 
3,185 posts, read 5,742,026 times
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yea the payment plan option is quickly offered. I think they charge about 22% interest for helping you out.I think the hospital/provider must get a kick back on that too.The payment plan is with a high rate shark loan company charging rates that high because they figure a sick person or a person with a sick child has no options....
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Old 12-31-2012, 03:50 PM
Status: "On The Lookout" (set 8 days ago)
 
Location: The Triad (NC)
28,357 posts, read 61,547,359 times
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Quote:
Originally Posted by FrankTheTank2 View Post
....told me if I went to the Urgent Care it would have only been an $86 co pay
they would pay 100% of the rest.
And the rest wouldn't be much more than $15.

Quote:
Expensive lesson learned on my part.
Sorta makes a person think about how the whole question of HI is handled.

Do we need, are we best served, by having insurance involved at all for the sort of low level
treatment (like this) that are the limit of medical care that most of us will ever have.
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Old 12-31-2012, 04:35 PM
 
5,150 posts, read 6,626,267 times
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Now's a good time to review your benefits for your policy if you haven't in awhile. I know mine changes tomorrow.
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Old 01-01-2013, 11:42 AM
 
Location: Ballantyne
129 posts, read 192,658 times
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I just wanted to add that when we moved here to Charlotte we were on our European medical insurance, so it meant we would have to pay cash and claim our own insurance later. We had to use the Urgent care in Blakeney (which are great) because of our insurance they classed us as not having insurance and they gave us a discount because we paid cash upfront.
I can't remember the exact discount because it was over a year ago but I think it was sizeable maybe (20 or 25%)
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Old 01-01-2013, 01:53 PM
 
84 posts, read 131,318 times
Reputation: 41
Going forward. You can use this site to check wait times in real time at Urgent Cares.

Urgent Care Wait Times - Carolinas HealthCare System
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