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Old 09-17-2013, 04:28 PM
 
Location: North of South, South of North
8,704 posts, read 10,826,749 times
Reputation: 5147

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In North Carolina, if we (the employer) called an ambulance to take one of our employees from our work facility to the hospital, we (the employer) paid for it, as we called for it.

Well, my last day of employment here in Florida ended up with me having passed out and the company calling an ambulance. Somehow my insurance was charged, they paid a small percentage and the ambulance company billed me for the balance totaling $550. Does this sound correct? Is the employee responsible in Florida for the cost of an ambulance they did not call, but the employer did?

I just don't want to pay before I find out, as this is so different than my last employer.

Thx
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Old 09-17-2013, 05:10 PM
 
Location: Spring Hill Florida
12,135 posts, read 16,007,758 times
Reputation: 6085
Unless it was due to an on the job accident or injury, no.

It was a personal problem thus your expense. You passed out. Would you have preferred the left you there?

Did they deduct the time off from your salary?



Quote:
Originally Posted by PriusH8r View Post
In North Carolina, if we (the employer) called an ambulance to take one of our employees from our work facility to the hospital, we (the employer) paid for it, as we called for it.

Well, my last day of employment here in Florida ended up with me having passed out and the company calling an ambulance. Somehow my insurance was charged, they paid a small percentage and the ambulance company billed me for the balance totaling $550. Does this sound correct? Is the employee responsible in Florida for the cost of an ambulance they did not call, but the employer did?

I just don't want to pay before I find out, as this is so different than my last employer.

Thx
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Old 09-17-2013, 05:11 PM
 
3,124 posts, read 4,914,273 times
Reputation: 1955
It may not be right, but it's the way it works. The only exception is if the injury or illness falls under Workers Comp.
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Old 09-17-2013, 06:19 PM
 
Location: SW Florida
14,798 posts, read 11,938,114 times
Reputation: 24499
Quote:
Originally Posted by PriusH8r View Post
In North Carolina, if we (the employer) called an ambulance to take one of our employees from our work facility to the hospital, we (the employer) paid for it, as we called for it.

Well, my last day of employment here in Florida ended up with me having passed out and the company calling an ambulance. Somehow my insurance was charged, they paid a small percentage and the ambulance company billed me for the balance totaling $550. Does this sound correct? Is the employee responsible in Florida for the cost of an ambulance they did not call, but the employer did?

I just don't want to pay before I find out, as this is so different than my last employer.

Thx
It's been my experience that the guy riding in the ambulance as the patient is the one who gets the bill, regardless of who called for the ambulance or why they did. Your insurance may pay some of that bill, but you'll be responsible for any amount over that. And believe me, the ambulance companies ( or the municipality if it's a county fire rescue vehicle) wants every dime of what they charged.

Just be grateful it wasn't a Life Flight or other or other helicopter ambulance. That can set you back as much as $17,000......or so I have heard.
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Old 09-17-2013, 06:22 PM
 
3,124 posts, read 4,914,273 times
Reputation: 1955
Quote:
Originally Posted by Travelassie View Post
It's been my experience that the guy riding in the ambulance as the patient is the one who gets the bill, regardless of who called for the ambulance or why they did. Your insurance may pay some of that bill, but you'll be responsible for any amount over that. And believe me, the ambulance companies ( or the municipality if it's a county fire rescue vehicle) wants every dime of what they charged.

Just be grateful it wasn't a Life Flight or other or other helicopter ambulance. That can set you back as much as $17,000......or so I have heard.
It's okay, though. The US Healthcare system is fine the way it is
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Old 09-17-2013, 06:23 PM
 
Location: North of South, South of North
8,704 posts, read 10,826,749 times
Reputation: 5147
Quote:
Originally Posted by Travelassie View Post
It's been my experience that the guy riding in the ambulance as the patient is the one who gets the bill, regardless of who called for the ambulance or why they did. Your insurance may pay some of that bill, but you'll be responsible for any amount over that. And believe me, the ambulance companies ( or the municipality if it's a county fire rescue vehicle) wants every dime of what they charged.

Just be grateful it wasn't a Life Flight or other or other helicopter ambulance. That can set you back as much as $17,000......or so I have heard.
Thx. Just wanted to know before paying, as this is the opposite of how we did it in NC. I plan on calling my insurance company to find out why they paid so little on this one before I pay. They have been paying great on everything else. Managing all the medical charges and insurance payments I have been going through is becoming a full-time job itself.
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Old 09-17-2013, 06:31 PM
 
3,124 posts, read 4,914,273 times
Reputation: 1955
Quote:
Originally Posted by PriusH8r View Post
Thx. Just wanted to know before paying, as this is the opposite of how we did it in NC. I plan on calling my insurance company to find out why they paid so little on this one before I pay. They have been paying great on everything else. Managing all the medical charges and insurance payments I have been going through is becoming a full-time job itself.
Sorry you have to deal with all that on top of an illness. I wish you well on both accounts.
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Old 09-17-2013, 07:55 PM
 
10,599 posts, read 17,786,208 times
Reputation: 17349
Quote:
Originally Posted by PriusH8r View Post
In North Carolina, if we (the employer) called an ambulance to take one of our employees from our work facility to the hospital, we (the employer) paid for it, as we called for it.

Well, my last day of employment here in Florida ended up with me having passed out and the company calling an ambulance. Somehow my insurance was charged, they paid a small percentage and the ambulance company billed me for the balance totaling $550. Does this sound correct? Is the employee responsible in Florida for the cost of an ambulance they did not call, but the employer did?

I just don't want to pay before I find out, as this is so different than my last employer.

Thx
"Somehow" they charged your insurance? Did you wake up at the hospital and give them your information? Or did someone in your family come there and give the insurance cards etc? Is this employer provided policy or your own personal policy?

It has nothing to do with employer / employee just the policy the person has. It would be in your insurance policy if ambulances are covered and how much. Unless it's workman's comp. Then it's the employer's workman's comp insurance that pays whatever they're supposed to pay.

It sounds like your NC POLICY was different. The person who calls the ambulance isn't the one who pays regardless of the state. I owned a store and didn't offer healthcare and would never pay for an ambulance if someone fainted there. That's not how insurance works. The state doesn't get involved in payments unless they're paying the bill. Like welfare/medicaid, medicare etc. YET. When Obamacare kicks in and there's a board approving "limits" all bets are off.

Right. Don't just "pay it". Call your insurance company and see why it's so much. Is it because you used an "off network" ambulance company or did some pencil pusher decide it was not medically necessary so charged you a bigger co pay or something. You have to read your policy FIRST to see what is covered.
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Old 09-18-2013, 07:49 AM
 
Location: North of South, South of North
8,704 posts, read 10,826,749 times
Reputation: 5147
Quote:
Originally Posted by runswithscissors View Post
"Somehow" they charged your insurance? Did you wake up at the hospital and give them your information? Or did someone in your family come there and give the insurance cards etc? Is this employer provided policy or your own personal policy?

It has nothing to do with employer / employee just the policy the person has. It would be in your insurance policy if ambulances are covered and how much. Unless it's workman's comp. Then it's the employer's workman's comp insurance that pays whatever they're supposed to pay.

It sounds like your NC POLICY was different. The person who calls the ambulance isn't the one who pays regardless of the state. I owned a store and didn't offer healthcare and would never pay for an ambulance if someone fainted there. That's not how insurance works. The state doesn't get involved in payments unless they're paying the bill. Like welfare/medicaid, medicare etc. YET. When Obamacare kicks in and there's a board approving "limits" all bets are off.

Right. Don't just "pay it". Call your insurance company and see why it's so much. Is it because you used an "off network" ambulance company or did some pencil pusher decide it was not medically necessary so charged you a bigger co pay or something. You have to read your policy FIRST to see what is covered.
My guess is they got my medical insurance info from the hospital, as I had already been in and out many times. I was unconscious, so I did not give it to them.

In NC, I was part of the safety committee for our company, and we did indeed pay every single time we called an ambulance. It may have just been a company decision, but that is what we did. We never wanted a situation where decisions had to be made on someone's health. We just called and got them the help right away.
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Old 09-18-2013, 08:21 AM
 
Location: Broward County FL
652 posts, read 1,643,612 times
Reputation: 576
Quote:
Originally Posted by PriusH8r View Post
In North Carolina, if we (the employer) called an ambulance to take one of our employees from our work facility to the hospital, we (the employer) paid for it, as we called for it.

Well, my last day of employment here in Florida ended up with me having passed out and the company calling an ambulance. Somehow my insurance was charged, they paid a small percentage and the ambulance company billed me for the balance totaling $550. Does this sound correct? Is the employee responsible in Florida for the cost of an ambulance they did not call, but the employer did?

I just don't want to pay before I find out, as this is so different than my last employer.

Thx
Just tell them you can't afford it and you can only pay $10 a month.
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