SF hospital charged $15K ‘trauma response fee’ for baby that needed no treatment
khn.org
khn.org
My 14 month old son got a deaseae in the spine so he could not walk anymore.
We spent 4 weeks in the hospital. 1 week until it was diagnosed in the MRT, 3 weeks with 3 different antibiotic treatment and another two month antibiotics at home.
All this while my wife continued to study for her PHD so I stayed away from work and lived with my son in the hospital.
This whole experience did cost us around 200€ (incl. gasoline to drive to the hospital) while still getting full income from my employer.
She goes to the local vendor, they tell her to pick out whichever machine she'd like. She would rent it for a few months to make sure she liked it. The insurance company would pick up the bill.
Many months later we just got a bill for $500.
She calls them. They tell her that this is the balance owed on the machine. Now they've already billed the insurance company four thousand dollars for the machine. The insurance company paid about a quarter of that. Then she the rents on top of that. And now they want the balance. The bill came completely out of the blue.
They won't take it back. So she's thinking about selling it. Going online the machine is only worth 500 bucks brand new. They're basically selling the same machine three different times: once to the insurance company, once on a rent-to-own deal, and once as a bill coming from nowhere.
I don't know in what universe this is not considered plain old fraud. The billing situation in healthcare in the U.S. has become so byzantine and complicated that's it has basically turned into a shell game of screw-the-consumer.
I don't want to talk about why it happens. I don't want to talk about solutions. I will say that the politics of healthcare has led us here -- nothing else but that. And the more we argue the worst it will continue getting. I do want to note that it seems like every month or so there's some new horror story. It's so bad that the vast majority of the time nobody talks about it. It's an awful mess.
So what do you do when you get this bill? You can't pay, you don't have the money. What do you do?
Your general complaint about high medical costs is on point of course, but for most people in America they could pay off a dumb $18k bill over a period of time if they had to.
1k$ surplus income per month on a 18k$ bill means you'd have to forfeit all surplus income for 18 months.
If any other medical emergency happens and you have another 18k bill? Or a car accident (of which there are a lot)? Or car just breaks down? What if you get fired and spend a few months searching a new job?
This isn't exactly financial security with such a bill pending over your head plus numerous other bills being a possibility.
Sure, if you were intent on paying it off as quickly as possible. Most likely your payment plan would be less than that.
Ultimately if enough "what if something else happens?" happen, you file for bankruptcy.
There's no such thing as financial security for anyone when you deal in the world of what-ifs.
So there is certainly some financial security for anyone in the world of what-ifs, atleast as far as medical coverage is concerned.
So I don't believe your assertion.
How can you live with this fear?
Personally speaking, I have no fear of a similar event happening to me. If it happened, I'd figure something out, or die. Generally speaking, "what we think is unbearable proves to be bearable."
The Republican party salutes you, you speak their disgusting and morally bereft "truth" with extreme accuracy.
I tried this, when I lived in the US, even though it was a planned test nobody could give me a quote on what it would cost.
I had great insurance that covered everything. People next to me in the waiting room was paying extra fees to rent the facilities and stuff... Yet, even for a planned procedure neither my doctor or my insurance company would give me a quote or promise that the procedure was covered.
You can't know what the bill will be even for a planned procedure. Even if you ask 3-5 different entities multiple times.
That's not even paying 30 mins of the nurse. You are kidding yourself if you consider this is the total cost.
But it’s still easy to compare. Look up public medical expenditures per capita. The US’ ranks amongst the highest, while covering few people and quite poorly (the VA is... the VA).
By comparison, Australia spends about the same per capital and covers everybody, without everybody needing to fill out $1000/mo (like I do - for family of three)for insurance.
But note that this article was about a Korean family travelling in the US.
A foreign family travelling in Australia won't be covered by Australian Medicare and will be at the mercy of the medical cover on their travel insurance, which is the real story here.
That's not to say that the charges for this visit weren't exorbitant, but your case isn't an apples with apples comparison.
The triage activation assembles a team of experts that treats every emergency patient with the same high level response, similarly because doing so attracts a higher fee.
https://reason.com/reasontv/2017/10/16/doctors-direct-primar...
Note that the current system is actively fighting off the development of such alternatives...
So what's the plan then? Obviously, nobody will actually be capable of paying those costs. Will people simply choose to die, or leave untreated most medical issues? Even in the case in the article's title, how could any non-billionaire justify paying such a cost? They don't even live here -- I could never imagine what sort of calculus would lead me to even pay a single dollar to someone requesting such an obscene price for so few services rendered.
[1] https://fullfact.org/health/health-tourism-whats-cost/
[2] https://www.nhs.uk/NHSEngland/AboutNHSservices/uk-visitors/P...
(I’ll grant that some of the “some” who say this sort of thing seem to have difficulty drawing the right distinctions between such groups. At least two have angrily denied my examples of my brother and my girlfriend going from the UK to the Philippines and Hungary respectively for cheaper dental work).
"to keep your child from possibly dying, you'll wind up paying at least $15,000, depending on the diagnosis"
Of course, that last bit was completely unknown upfront. It is hard enough to shop around for non-emergency gall bladder surgery, let alone actual emergencies.