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Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsHealth Care Debacle
My husband was in the process of being admitted to the hospital today when we were told that our health insurance coverage contained a $1,000 deductible & received a request for payment to the health care facility today. We couldn't come up with the $ and ended up leaving w/out admission.
Health care expenses are becoming financially devastating for us personally (even with insurance coverage). Any advice/suggestions?
Skittles
(153,250 posts)WTF
OKDem I am hoping someone with knowledge in this area can assist you
K&R
HiPointDem
(20,729 posts)for visibility.
Response to OKDem08 (Original post)
bupkus This message was self-deleted by its author.
RockaFowler
(7,429 posts)I went to the Emergency Room, so I didn't have to pay my deductible upfront. But she went in as a non-emergency, so she had to pay upfront. That's horrible that they wouldn't let you in for the surgery beforehand. That should be illegal. I guess just go to the ER. They can't turn you away then.
ejpoeta
(8,933 posts)to pay it up front? they submit to the insurance company who pays their part and then they should send a bill. Or offer payment arrangements. How can they not do that? But we have the BEST healthcare in the world! USA USA /sarcasm
Phentex
(16,334 posts)especially with a high deductible. I guess high is relative. Our deductible is $10,400.
Vinca
(50,322 posts)Something is fishy.
Phentex
(16,334 posts)even though it might not be 100% accurate depending on what else the patient may be doing at the time (ongoing therapy for example). But they can find out approximately how much is left of the deductible. I don't know why they wouldn't offer a payment plan up front.
Vinca
(50,322 posts)Medicine isn't black and white. A $2,000 procedure might end up taking longer and using more supplies.
docgee
(870 posts)A Tylenol costs $26 and so on, so you pay your deductible and when the hospital submits the bill to the insurance co., the insurance company haggles the bill down. But you still paid your deductible on the original price. (as a percentage is the way my insurance works).
So if the original bill is $10,000, I would pay $2000 deductible, then the insurance would haggle the remaining down to say $5000. You end up paying more than your 20% worth.