Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
I’m trying to understand how a recent ER visit accumulated a $23,000+ price tag when 4 years ago when I had no insurance and had the same thing done in the ER merely cost $2,500.
ER charges have increased dramatically. ER is one of the most expensive treatment settings. 23k is not unusual for a higher intensity visit (99284 or 98285).
25 years ago you could afford to go to the ER and pay out of pocket. Bills back then were less than $500.00 usually. Now an ER visit can cost as much as a car...lol
I’m trying to understand how a recent ER visit accumulated a $23,000+ price tag when 4 years ago when I had no insurance and had the same thing done in the ER merely cost $2,500.
That is the "manufacturer's suggested retail price" and is not likely to be the negotiated price actually paid by your insurance company.
That is the "manufacturer's suggested retail price" and is not likely to be the negotiated price actually paid by your insurance company.
I had called my insurance last week and they had told me it was out of network, even though the facility said they did accept the insurance I had. But the insurance did tell me that they made an exception and considered it in network, and in an email the insurance sent they had under patient responsibility that I only had to pay $2,400. However, yesterday evening I find that the insurance hasn’t paid and now they sent me that $23,000 bill with the possibility of getting a 40% discount if I call them. I know I have to call my insurance to see what happened (they had already closed when I wrote this thread).
I still found it shocking that without insurance I had been charged far less 4 years ago, but now I see that it was as the other member mentioned, we pay for the uninsured.
I had called my insurance last week and they had told me it was out of network, even though the facility said they did accept the insurance I had. But the insurance did tell me that they made an exception and considered it in network, and in an email the insurance sent they had under patient responsibility that I only had to pay $2,400. However, yesterday evening I find that the insurance hasn’t paid and now they sent me that $23,000 bill with the possibility of getting a 40% discount if I call them. I know I have to call my insurance to see what happened (they had already closed when I wrote this thread).
I still found it shocking that without insurance I had been charged far less 4 years ago, but now I see that it was as the other member mentioned, we pay for the uninsured.
Do not pay anything until you get a formal "explanation of benefits" - EOB - from the insurance company stating what the "patient responsibility" amount is.
Do not pay anything until you get a formal "explanation of benefits" - EOB - from the insurance company stating what the "patient responsibility" amount is.
Thank you for the help, I called the insurance and what happened was that the ER had sent the bill before my insurance had sent out their share of the payment. Feel so much better $2,400 is so much better than the original $23,000
Thank you for the help, I called the insurance and what happened was that the ER had sent the bill before my insurance had sent out their share of the payment. Feel so much better $2,400 is so much better than the original $23,000
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
