Comment on Hospital Bill 1961

• BarneyPiccolo@lemmy.today ⁨1⁩ ⁨day⁩ ago

  When my son was born in 1999, the bill showed two prices - one was the price for the insurance company, which was around $5000, and one was the price without insurance, which was about $20,000.

  Luckily, we had the insurance, so it was covered, but I asked about it anyway. I was told that the hospital had negotiated a lower price with the insurance company, so I said that presumably they still make a profit from the insurance payout, so why can’t uninsured patients pay 4x more for the exact same service? They literally looked at me like I asked in a foreign language, and repeated that they had negotiated a lower price with the insurance company.

  “I understand that,” I kept saying, “but why can’t you offer that price to your uninsured patients?”

  “Because we negotiated a special price with the other insurance companies.”

  “I understand that, but…”

  Fucking predators.

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  • theneverfox@pawb.social ⁨1⁩ ⁨day⁩ ago

    They actually turn around and will slash the cost for the uninsured the second you dispute it. They don’t actually expect people to pay that much

    It’s a weird dance with insurance companies, they say it’s costs 20k and then insurance says “ok, I’ll pay 7k” and you pay 5k

    An uninsured person might get away with paying even less than $5k when it’s all said and done. It’s not a real healthcare system

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  • Therobohour@lemmy.world ⁨1⁩ ⁨day⁩ ago

    That’s fucking lame. Hey we wanted to charge you 20000 but instead we’ll let you off with 5000. That’s literally extortion

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• JoMiran@lemmy.ml ⁨2⁩ ⁨days⁩ ago

  Are you saying that people who give birth in a hospital are sent a 13 000 USD bill afterwards?

  Without insurance? Yes, it can be that or more.

  What if you don’t have the money?

  No hospital will refuse service in case of an emergency. I believe that it is actually illegal. They will send you a bill afterwards though.

  What if something does go wrong and you call an ambulance, du they bill you for that afterwards as well?

  Absolutely. A lot.

  What if you have no money for that either? Just… die?

  Ambulances cannot refuse service in case of emergency, but they will invoice you later.

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  • endlessvoid@lemmy.today ⁨2⁩ ⁨days⁩ ago

    Even with insurance, many plans have a deductible that requires you to pay the first couple grand on your own before they’ll cover anything, and even once you’ve paid that amount they will require you to cover a couple hundred per day of hospital stay (doubled for two patients: mom + baby).

    It is entirely normal to pay thousands of dollars for a normal uncomplicated hospital birth even with insurance.

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    • JoMiran@lemmy.ml ⁨2⁩ ⁨days⁩ ago

      This is 100% correct. My plan has a $10,000 yearly deductible, which means that every year I am responsible for the first $10,000 of medical expenses.

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    • basxto@discuss.tchncs.de ⁨1⁩ ⁨day⁩ ago

      I’m a little bit mad that the US still a higher birth rate than us despite of all that parent hostility.

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    • certified_expert@lemmy.world ⁨1⁩ ⁨day⁩ ago

      “doubled for two patients: mom+baby” I’m dead… dude, this is so beyond comprehension that it is comedic!

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  • thebestaquaman@lemmy.world ⁨2⁩ ⁨days⁩ ago

    This sounds so dystopian I’m having a hard time comprehending it… what happens when they provide the mandatory emergency care and invoice someone who just doesn’t have the money to pay?

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    • JoMiran@lemmy.ml ⁨2⁩ ⁨days⁩ ago

      It is dystopian, but there arr plenty of programs to mitigate the issue. If you go to a charity or teaching hospital (like the one referenced in the post), and you have no insurance, your bill might be mostly forgiven if not entirely written off. Emergency rooms cannot refuse service and if you are broke, they might write it off. More than likely they will sell off the debt to a third party for a small fraction and those guys will hound you for life. Again, if you are poor, plan ahead (teaching or charity hospital) and you should be fine.

      PS: I am sure you have heard of Planned Parenthood due to the GOP’s crusade against abortion. The real thing to note is that they offer pre and post natal services to make sure that mother and child are healthy, free of charge. Every time a Planned Parenthood clinic is forced to close, those services disappear for the poor.

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      • bizarroland@lemmy.world ⁨2⁩ ⁨days⁩ ago

        And in the rare case where they do not forgive the debt and you do not pay, at some point they write it off for the tax break.

        I’m sure they write it off at the original invoiced amount without any discounts so that their tax deduction for you not paying is probably equal to or greater than what they would have made had you paid it.

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    • burntbacon@discuss.tchncs.de ⁨2⁩ ⁨days⁩ ago

      And to expand on the other answers you received, it’s hilarious (and perhaps old now… I saw something about medical debt now being counted on credit scores and I’m sure attacks have been made on medical debts in general) that the advice typically given was to NEVER make a payment on any medical debt, because that counted as a commitment towards paying, and the laws that eventually made medical debts go away no longer applied, so the debt companies would have more ammunition to use against you in court.

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  • basxto@discuss.tchncs.de ⁨1⁩ ⁨day⁩ ago

    Without insurance? Yes, it can be that or more. Though from my German POV I’d expect insurance to cover birth and necessary ambulance 100%

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  • Droggelbecher@lemmy.world ⁨2⁩ ⁨days⁩ ago

    Tangential, for ambulance cost only.

    Once a year, I get a sort of info letter that lists every bill my healthcare has paid for me that year. So, I know what medical costs actually are in my country where healthcare prices aren’t being artifically inflated by healthcare being privatised.

    I had a short ambulance ride in 2020. It was billed for about 90€. That’s what it would actually cost if they couldn’t charge whatever tf they want due to privatised healthcare.

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• ignotum@lemmy.world ⁨2⁩ ⁨days⁩ ago

  If you can’t pay then they’ll put the baby back in

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• captainlezbian@lemmy.world ⁨2⁩ ⁨days⁩ ago

  If you don’t have the money you get debt. At some point in a hospital visit a person swings by to get your financial information. They can’t refuse care, but they can demand your info.

  If you can’t pay your bill that’s totally ok, it’ll sit there waiting as debt collectors hound you every few days. Or you can reach out to a hospital run charity program to prove you’re sufficiently poor and get a reduced cost payment plan.

  It’s dystopian, yes, but more in the “a lot of Americans go into medical bankruptcy” way than the “you’re forced to give birth out back” way.

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  • BarneyPiccolo@lemmy.today ⁨1⁩ ⁨day⁩ ago

    At some point, the government is going to criminalize debt. They are already starting to, with student loans. Also remember that the 14th Amendment allows the government to literally treat prisoners like slaves, and force them to work.

    So, prepare for debtors’ prisons, where you will be forced to work off your debt.

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• thespcicifcocean@lemmy.world ⁨1⁩ ⁨day⁩ ago

  Yeah, that’s about right. When my daughter was born, they sent a bill for 100k because of complications.

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• hawgietonight@lemmy.world ⁨2⁩ ⁨days⁩ ago

  People living under the bridge have to come from somewhere

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• ChicoSuave@lemmy.world ⁨2⁩ ⁨days⁩ ago

  They expect you to have the baby in a manger full of farm animals on a pile of hay, like Jesus’s mom.

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