Originally Posted by RobMason
If you understood the way medicine works in the US, you would know that the charges have nothing to do with what the hospital collects. That bill is simply a wish, that is the maximum that the hospital wants to receive. What it gets is based on the agreement the hospital has with your insurance company, and they will likely receive less than a third of charges. One reason the fee is high is because, no hospital can turn anyone away, meaning most of who it sees has no way of paying for it. Hospitals have to make up for that by charging more for everyone else. If all people had insurance, the hospitals in theory could compete for everyones business, which would lower rates.
You haven't even received the bill from the ER physician yet.
If you were so unwise as to not have insurance , you are screwed and unless you negotiate with the hospital/MD, they will likely try to collect the full amount.
You are just beginning to realize that the health care setup in this country has gone haywire, many like you who have not needed to access the health care industry before now are starting to see how screwed up it is. Everyone is affected.
Correct, some details are a little off but the general consensus is correct, I audit hospitals for a living and if you have insurance you'd have maybe a few hundred dollars out of pocket in the form of a copay/coinsurance or deductible and your insurance covers the rest according to their contract. If you don't have insurance, you'll need to speak directly with the hospital and see if you are applicable for any Medicaid or other federal or state funded programs, you drive a BMW, so odds are you won't qualify, better get insurance, besides, legally, you'll have to soon.
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