Healthcare is cheaper without insurance in many cases (advantage, cost, medical center)
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My experience has been just the opposite. When I broke my wrist, BCBS initially refused to cover therapy. I received a $4500 bill that I was supposed to pay out of pocket.
I appealed the denial and won. The bill dropped to $360 because of BCBS's negotiated rate.
So as the uninsured, I was expected to pay 10X what insurance pays?
Please don't tell me that the hospital was going to drop that $4500, write it off, etc. For the truly impoverished, probably. For a middle-income family of 2, they said that I had to pay.
It costs more for uninsured to pay unless the facility is providing the procedure pro bono after checking insurance coverage and financial need. The outpatient surgery centers will cost less but they provide for treatments that generally don't result in complications and overnight bed stays. I paid over 1000 dollars at an orthopedic surgeon's office for broken hand 20 years ago. The New York Times has been running these articles touting low-cost alternatives in residential care homes and ambulatory surgery centers for many years.
yes, things have changed since 2004. It's your responsibility to educate yourself about the terms of your insurance policy. There are no provisions in them that say "if you don't want to pay a bill, just throw it in the trash"
Sending me a $17,000 bill after being in the hospital for 4 weeks is a joke because no average working person doesnt have that kind of money. They should have tacked on another $10,000 to make it $27,000 because I didnt have that either
My experience has been just the opposite. When I broke my wrist, BCBS initially refused to cover therapy. I received a $4500 bill that I was supposed to pay out of pocket.
I appealed the denial and won. The bill dropped to $360 because of BCBS's negotiated rate.
So as the uninsured, I was expected to pay 10X what insurance pays?
Please don't tell me that the hospital was going to drop that $4500, write it off, etc. For the truly impoverished, probably. For a middle-income family of 2, they said that I had to pay.
That's exactly what the hospital did when I stayed 4 days and had surgery for my broken wrist and elbow. I didn't even ask.
And then when I went to therapy, I just asked for the cash pay rate which was 80% off the "list" price.
Sending me a $17,000 bill after being in the hospital for 4 weeks is a joke because no average working person doesnt have that kind of money. They should have tacked on another $10,000 to make it $27,000 because I didnt have that either
that isn't the point.
You don't get to walk into a car dealership and take a car that you can't afford to pay for and say no worries, they can send me bills and I'll just throw them away because no average person can afford this but I still feel like driving this car.
You received medical services, and you signed paperwork agreeing to pay for them. In reality, most hospitals will work out a payment plan that typically includes forgiving some of the debt. But you have to make a good faith effort, not just assume you don't have to pay because you don't feel like it.
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My experience has been just the opposite. When I broke my wrist, BCBS initially refused to cover therapy. I received a $4500 bill that I was supposed to pay out of pocket.
I appealed the denial and won. The bill dropped to $360 because of BCBS's negotiated rate.
So as the uninsured, I was expected to pay 10X what insurance pays?
Please don't tell me that the hospital was going to drop that $4500, write it off, etc. For the truly impoverished, probably. For a middle-income family of 2, they said that I had to pay.
Did the total amount drop from $4500 to $360, or was $360 your copay?
You don't get to walk into a car dealership and take a car that you can't afford to pay for and say no worries, they can send me bills and I'll just throw them away because no average person can afford this but I still feel like driving this car.
You received medical services, and you signed paperwork agreeing to pay for them. In reality, most hospitals will work out a payment plan that typically includes forgiving some of the debt. But you have to make a good faith effort, not just assume you don't have to pay because you don't feel like it.
What type of effort for $17,000 and only make $31,000 a year?
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