Originally posted by FarArcher
Hospitals grossly overcharge because they have so many street people and bums come in who never pay diddly squat.
I have seen this a number of times in this posting and it is simply not true. Medical care prices are artificially inflated due to the way insurance
and medical providers handle charges. I explained this in page three of this posting but will quote it again
"I see many of you do not understand how the U.S health insurance / Medical Service scam works in relation to cash paying and insured customers.
If the OP had insurance, the insurance company would pay around $800-$1000 of that $11,000 bill. The hospital would consider that payment in full as
is required by the contract with the insurance company.
That explains why they were able to easily knock off $8000.00 because with insurance they would probably receive much less than that.
Do you really think the insurance company actually pays $300.00 for a Tylenol PM?..Of course not, but if you were a cash paying customer they do
Another example from personal experience. I have a condition that requires me to have a blood test every six months.
Cash Price: $142.50
Insurance price: $12.00
Check your EOB's from your insurance companies closely sometime, you will see the same thing. What the Hospital charges Vs. what the insurance
actually pays and the Hospital considers paid in full. "
In reality the Hospital really only expects to get around $1,000 for that $11,000 bill, however seeing as this patient has no insurance they appeared
to try and look helpful by knocking off $8000, but that $8000 was already just over inflation of the bill compared to what they really expect to get
for the bill.
As for getting state aide and such, it is more complected than just meeting the income requirement and filling out some forums, generally there are a
whole list of other criteria to get on these types of plans.Some states have a set limit on how many can be on the state plan and if you apply you
will be put on a waiting list hoping somebody opts out or dies.
As for the Hospital aide, many times you have to be married or have dependent children to qualify for charity plans.
We simply have no idea if the OP would have qualified for any of these types of plans.
The humane thing the hospital could do is reduce the bill to the level they would expect an insurance company to pay and work with the OP from
To the OP: Do go and check out the options available to you at your income level from the hospital, some local governments also offer emergency
medical bill help if you have dependents. The hospital will be able to fill you in on all these types of plans. Just make an appointment and be honest
with them. The hospital wants to be paid by whoever and if they can steer you in the direction to get some help, the more likely they are to get
edit on 29-12-2010 by Dreamwatcher because: Spelling