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I got the first Bill... $13,000!!!

gonelifting

gonelifting

Elite Mentur
EF VIP
That`s just from the first hospital. We went to two hospitals where the second one was where they performed the surgery for my daughter`s broken arm. Then we have Dr. bills that have nothing to do with the hospital as well.

THEN we have to go a third time to the hospital for ANTOTHER operation to take the pins out of her arm because the skin closed over one of them. Damn.

So if it gets to $30,000 I would`nt be surprised. We DO have insurance but there`s a deductible and I think we pay 20% of the cost and that`s only to what the insurance company deems "acceptable" to pay. lol

Without any deductables or lowered pay, or anything, if we were to pay 20%, it would already be $6000. I`m thinking of hiring an attorny to alleviate us of some of the costs. What do you guys think? Please don`t bash me. If you think it`s a bad idea, just say "It`s a bad idea" I don`t need any more stress.
 
$6K for a broken arm? I'd just yank that puppy back in place if it was my arm.
 
At least your daughter is cute. If she was really ugly and stuff you'd probably have second thoughts over fixing her arm or just trading her in for a new one.
 
The first hospital, did she go to the ER? that shit gets expensive....plus you're paying for all the shmucks who don't have insurance and can't pay the cash.
 
Doesnt the copay max after a certain amount?

Damn bor, I hope thats a mistake.

Sue the little boys parents
 
should've told them you were mexican and don't have a SSN, then they would've billed the state. That's how it works here in cali. gotta love it!

if they get your SSN, you're fucked. You gotta pay it otherwise they'll put it on your credit report and go after ya.
 
Told ya right from the beginning to take it up with the parents!!!!


RADAR
 
yeah, you got a fucked up health plan. My deductible, MAX, i'll pay is like $1000. I can't be forced to pay more, no matter how much the hospital bitches and whines.
 
wow thats huge, our prime minister better get his arse out of GWB's ass and stop turning australia into america, because i doubt youd have paid a thousand dollars for the whole thing here
 
SoreArms said:
:heks:
Click to expand...


: heks : is gonna be pissed.

Anyway, I would at least talk to an attorney, but keep in mind attorney fees may not be worth the cost even if you were able to alleviate the cost.
 
don't worry GL, most health insurance policies have an out of pocket maximum per calender year. yours might be $2,500, or at the most $5,000.

also the amount the hospital bills is never the same amount the insurance company actually pays. there is a negotiated sum that is predetermined. i.e. a broken arm is $2,200.

sometimes i am shocked how little doctors get paid by insurance companies for the procedures they do. i can see why doctors are complaining these days.
 
glennds said:
also the amount the hospital bills is never the same amount the insurance company actually pays. there is a negotiated sum that is predetermined. i.e. a broken arm is $2,200.
Click to expand...

Yeah. Definitely wait for all the paperwork to go through before you panic. When I had my "heart attack" back in April, my first set of bills was about $4700, and I have $5000 stop-loss deductable, so I was afraid that I was gonna get stuck with the big bill. But the paperwork kept coming, first from the hospital, then from the insurance company, and by the time the dust settled, the bill that actually came with a return envelope, the one I was expected to PAY, was about $900. The insurance company negotiates a lower rate for you, even if the initial total is below your stop-loss amount.
 
thats insane, my kid broke his arm, no pins, just lots of drugs and a cast and it only cost me like 50 bucks with insurance. I would get a lawyer and fight that. The other thing is that if you wait long enough they may offer you a deal where they drop the price that you pay by 40% I had that with my kids apendectomy they charged 13000 for it I wouldn't pay it and they offered to drop it by 40% if I would pay that price all at once.
 
Well, well, well....

Can I cut an paste this entire thread into the Canadian bashing one from a few weeks ago? I'll bet our "socialist" health care looks pretty damn good next to a 30K bill for a broken arm. Not that health care should be available ( and affordable ) to everyone in a developed nation that touts freedom.........
 
no it doesn't! I don't fancy paying 50-60% of my income to be put on a waiting list and get less than adequate medical care. I know, I lived in Canada and it is a joke. Why do you think those with money come to the US from all over the world?

It isn't the doctors that are charging those prices it is the money hungry lawyers like Edwards and the insurance company's and they are forcing some of the best doctors in the world out of practice.
 
Still doesn't change the fact, that if I broke my arm it would not cost me 30,000 dollars. I could go to the emergency room and get treated properly without wondering if I'm going to be able to afford to keep my fridge stocked with food.

Your waiting list point is not a valid argument in this case, and there is no difference in quality of the medical attention that would be lavashed on a broken arm in the US or Canada, save you getting stuck with a fat bill at the end of it.

It's true waiting lists are a problem with getting to see a specialist, and money talks just as it does in the states. If you're wealthy enough to be able to travel abroad for health care, then 30k for a broken arm isn't a concern in the first place. My comments were made to reflect that basic health care ( a broken arm ), shouldn't require this kind of money from the person that needs it.
 
I may have overreacted last night. I was in sticker shock when I saw the bill. I`ll think about this more calmly now that I`ve relaxed a little. A lot of you guys made sense, thank you.

I`ll check what our maximum is, I think it`s 5-7k though, whicxh still sucks. Also, the bill is`nt 30k I don`t want to mislead anyone. The first bill is 13,000 and I assumed the second hospital would be at least that much and the other bills would also add up to 30k. THEN they`re not charging me 30 k, that is what the insurance company and I will have to split 80/20 of what they deem "allowable". Just to clarify...

thanks again. I`m calmer this morning....until the next bill comes. lol


It happened in a restaurant/ reception hall. Adding to all this is the anger I have because my child is in pain all these weeks. I`m better now.
 
expounding on my point about what doctors get paid, a family member o fmine got a double hip replacement earlier this year. this is very major surgery. the hospital billed the insurance company $50,000 for the surgery yet the insurance company ended up paying about $23,000.

in a much smaller case, i saw a podiatrist earler this year about removing a plantars wart. the podiatrist spent a good half hour not only removing the wart but also cutting of a dead big toenail after i stubbed it (talk about painful!) as well as buffing off a couple callouses.

he billed my insurance company $85 yet only got paid $35. i felt sorry for him...he is a very talented podiatrist and worth way more than that for how expertly he took care of me.
 
Last edited:
$90, three visits? Maybe $200 with specialists.

Áfram Ísland!

(you insurance sucks, but you knew that..)
 
ChewYxRage said:
The first hospital, did she go to the ER? that shit gets expensive....plus you're paying for all the shmucks who don't have insurance and can't pay the cash.
Click to expand...

Welcome to the US medical system - I hope it works out for you.
 
Both hospital stays were from the ER. In the same week and we were admitted both times.

I seriously would love to sue the doctors. The first guy put the cast on, when we saw the specialist a week later, he said "Go to the ER now, she needs surgery right away!" wtf? That was our second visit to the ER.
 
Damn, Me and Mrs Y both have had surgeries (she's had several) and the bill
we paid was never over $100 for the co-pay... Great Dr's as well..

Thank you, great Insurance.. I even had my knee done under Aetna HMO and
my primary set me up with the best Orth scope Dr in town and it was still only a $100 co-pay.

I hope little GL is doing well..
 
gonelifting said:
It happened in a restaurant/ reception hall.
Click to expand...

I would call a lawyer if it was at all there fault.. wet floors.. bad stairs no rails.. whatever..

or i would call if the financial burden was going to really effect you or your family.

good luck
 
gonelifting said:
Both hospital stays were from the ER. In the same week and we were admitted both times.

I seriously would love to sue the doctors. The first guy put the cast on, when we saw the specialist a week later, he said "Go to the ER now, she needs surgery right away!" wtf? That was our second visit to the ER.
Click to expand...
Uh oh, you said something about suing doctors, now the right wingnuts will come out of the wood work.
Heres how the bushies would like it. Say the first doc fucks up, but you dont catch it in time. She loses full range in her arm permantly! But we wouldnt want the docs to suffer too bad, so you can only sue for 300k.
Would anyone here give up use of one arm for 300k?
 
jestros said:
Uh oh, you said something about suing doctors, now the right wingnuts will come out of the wood work.
Heres how the bushies would like it. Say the first doc fucks up, but you dont catch it in time. She loses full range in her arm permantly! But we wouldnt want the docs to suffer too bad, so you can only sue for 300k.
Would anyone here give up use of one arm for 300k?
Click to expand...


The first doc DID fuck up and she would have lost motion of her arm had it not been for the second doc saying "GO NOW!!!" to the ER. Why would anyone go to the ER twice in one week for a broken arm?!?

Now she`s gotta go BACK to the hospital for ANOTHER operation!! This is killing me. 3 freaking hospital trips for a broken arm. That IS the DR.`s fault. IMO Do it right the first time!

and Every time we go there and to the Dr.`s office, we get the same freaking X-rays. We have about 35 different pics of her damn arm. They even took X-rays of her OTHER arm to "compare". lol I`m just venting here. Don`t mind me. lol
 
This broken arm is costing you an arm AND a leg. You should have just left it broken and kept your leg. Sorry..couldn't resist.

I had a broken hand and it cost over 8,000 and that was 10 years ago. They had to put a metal plate in it.
 
gonelifting said:
The first doc DID fuck up and she would have lost motion of her arm had it not been for the second doc saying "GO NOW!!!" to the ER. Why would anyone go to the ER twice in one week for a broken arm?!?

Now she`s gotta go BACK to the hospital for ANOTHER operation!! This is killing me. 3 freaking hospital trips for a broken arm. That IS the DR.`s fault. IMO Do it right the first time!

and Every time we go there and to the Dr.`s office, we get the same freaking X-rays. We have about 35 different pics of her damn arm. They even took X-rays of her OTHER arm to "compare". lol I`m just venting here. Don`t mind me. lol
Click to expand...
I'm with you bor, you have all the reason in the world to vent. Also, that first doc could keep f-ing up for years. Eventually he's going to screw someone up permanently. They need to be responsible for thier actions. Ask around your friends and family, see if anyone knows a good lawyer.
 
jestros said:
I'm with you bor, you have all the reason in the world to vent. Also, that first doc could keep f-ing up for years. Eventually he's going to screw someone up permanently. They need to be responsible for thier actions. Ask around your friends and family, see if anyone knows a good lawyer.
Click to expand...


Nah, if it`s over 3 or 4 k I`ll do it to get reimbursed. If it`s under that, I won`t bother. I just want this nightmare to end.
 
DAMN!!! I got a letter from the insurance company. They want me to fill out a form of where the accident took place, the name of the place (which I don`t know)lol but I`ll find out, the name and number of THEIR insurance company AND their insurance policy NUMBER. WTF??? How the hell am I gonna get that if I don`t get a lawyer? Are they gonna actually give me their policy # if I call them and ask? lol I gotta hunt this place down for starters and do a lot of running around for this shit. They almost PUSH you into hiring a lawyer!

When I got the letter, I called my insurance co. and asked why are they doing this? They said they`ll exhaust all other insurance cos. and people before they pay for the bills. DAMN!!232#$%

I`m really gonna look into a lawyer now. I hate this shit! There`s a system in place and you gotta flow with it. If not, you get sucked into the water and fucking drown.

Drown I say!

Where can I look for a lawyer? Yellow pages? Anyone specific I should look for? Do they charge a fee or is it just a fixed percentage of your claim? I hope this post is read, it went pretty long and this post is at the end. I did`nt wanna start another thread with all the info again.
 
im glad i live in Canada. thats bulshit bro
 
gonelifting said:
When I got the letter, I called my insurance co. and asked why are they doing this? They said they`ll exhaust all other insurance cos. and people before they pay for the bills. DAMN!!232#$%

I`m really gonna look into a lawyer now. I hate this shit! There`s a system in place and you gotta flow with it. If not, you get sucked into the water and fucking drown.

Drown I say!

Where can I look for a lawyer? Yellow pages? Anyone specific I should look for? Do they charge a fee or is it just a fixed percentage of your claim? I hope this post is read, it went pretty long and this post is at the end. I did`nt wanna start another thread with all the info again.
Click to expand...
Your insurance want to pin it on someone (the little boy) so thier insurance pays for it. I don't know if the little shit's parents should have to pay 13k, but thats up to you.
As far as getting a lawyer, when I was doing my custody thing, I went through 3 yellow pagers, and I didnt like any, one was totally incompetent.
I found a good one by asking my cousin, who was a public defender, and she recomended a local guy, who was awesome (lawyer network, who knew?)
So I'd say try to find some one you trust who can recomend someone. I'd rule out anyone you find on EF. :D Get the free consult, and go from there.
 
gonelifting said:
DAMN!!! I got a letter from the insurance company. They want me to fill out a form of where the accident took place, the name of the place (which I don`t know)lol but I`ll find out, the name and number of THEIR insurance company AND their insurance policy NUMBER. WTF???

these letters are routinely sent out after a claim is paid out coded as an injury. your insurer is trying to see if they are not primary, and could potentially collect from someone who may be legally liable.

for example, say i was driving my car and caused injury to you and you claimed your injury under your health insurance. my auto insurance would be primary so your health insurance could potentially collect from my auto insurer.

in your case GL, if i understand what happened, your daughter was injured in a public place. your health insurer paid for her injuries but wants to see if the public place may be legally liable and could collect from that party.

you don't have to fill out their policy number. you will not get thrown in jail for not having that info. fill out what you can and return the form. your health insurer is a business (NOT a charity!), they are looking for funds that may be due to them. this is called Subrogation.
Click to expand...
 
For those jumping on the canadian bandwagon...

You get what you pay for. Yes, US healthcare is more expensive -- but we also have the most ADVANCED technological healthcare network on the planet. Plus the highest and most skilled doctors (face it, doctors go where the grass is greener) and most advanced treatment.

New York City has MORE MRI machines than the entire country of Canada.

Every Canadian hospital is a cash crunch and can't afford the latest equipment, supplies, rooms, beds, or comparable salaries for their doctors and staff. Most hospitals don't even HAVE highly specialized and advanced trauma units like we do. None. Zippo. Zilch.
 
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