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sharkbit · 01-21-11, 09:37 AM

I don't know if this adds anything to the discussion or not. To be frank, I don't understand the ins and outs of health insurance. All I really know is I have insurance thru my work and the cost has gone up every year. My employer has switched carriers three times in the last four years due to rising costs.

Anyways, in December, I went to the ER for numbness in my right arm, leg, and face and then had to spend the night in the hospital for a suspected stroke. Went thru quite a few tests, including an MRI and CT scans.

The copy of the bill came earlier this month, all itemized. $36000 total

, including $6000 for the ER visit and $8000 for the MRI.
With the contractual agreement the hospital had with the insurance company, the hospital only billed the insurance company $2400 with my out of pocket being $240.

I got the Explanation of Benefits from the insurance company yesterday which pretty much backed up what the bill was.

So where does the hospital make up the difference between the $36000 and the $2400?

Another odd story-
My brother in law's girlfriend/fiance/significant other/crazy drunk bitch (long story) who doesn't have insurance and doesn't work(another long story) was admitted to the hospital for a couple days early last year. The bll was some outrageous amount.
My brother in-law went to the hospital, told them she couldn't pay. The hospital said they would set up a payment plan. He told them she couldn't even afford that. The hospital ended up eating the whole amount except for around $600. All of this dealing took place in the span of a couple of hours at the hospital.

All of this is pretty crazy and just mystifies me.

01-21-11, 09:37 AM	#11
sharkbit The Old Man Join Date: Apr 2008 Location: Denver, CO Posts: 1,529 Downloads: 334 Uploads: 0	I don't know if this adds anything to the discussion or not. To be frank, I don't understand the ins and outs of health insurance. All I really know is I have insurance thru my work and the cost has gone up every year. My employer has switched carriers three times in the last four years due to rising costs. Anyways, in December, I went to the ER for numbness in my right arm, leg, and face and then had to spend the night in the hospital for a suspected stroke. Went thru quite a few tests, including an MRI and CT scans. The copy of the bill came earlier this month, all itemized. $36000 total , including $6000 for the ER visit and $8000 for the MRI. With the contractual agreement the hospital had with the insurance company, the hospital only billed the insurance company $2400 with my out of pocket being $240. I got the Explanation of Benefits from the insurance company yesterday which pretty much backed up what the bill was. So where does the hospital make up the difference between the $36000 and the $2400? Another odd story- My brother in law's girlfriend/fiance/significant other/crazy drunk bitch (long story) who doesn't have insurance and doesn't work(another long story) was admitted to the hospital for a couple days early last year. The bll was some outrageous amount. My brother in-law went to the hospital, told them she couldn't pay. The hospital said they would set up a payment plan. He told them she couldn't even afford that. The hospital ended up eating the whole amount except for around $600. All of this dealing took place in the span of a couple of hours at the hospital. All of this is pretty crazy and just mystifies me. __________________ “Prejudice is blind. There will always be someone who says you aren’t welcome at the table. Stop apologizing for who you are and using all your energy trying to change their minds. Yes, you will lose friends, maybe even family. But you will gain your self-respect. You will know your worth. Once you have that, nothing can stop you.”