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Example of medical costs in the US
Posted on 3/3/25 at 6:38 pm
Posted on 3/3/25 at 6:38 pm
A youtube short from a couple that just had a baby in Nashville, TN. My guess was going to be $20k.
Total $37k
Out of pocket $11k
They itemize it a bit in the video below.
What surprised me: anesthesia was the most expensive part, $14k (she said it was for an epidural). No idea why that part was so expensive.
Out of the $26k difference between out of pocket and total, I don't know how much the health insurance company ends up paying after they haggle with the hospital.
It's been estimated that if we paid with cash, costs come down 40%-60%. I've also seen it reported that what you get with a hospital bill is often 3x (or more) the actual cost because the hospital has to account for a ton of people that can't or won't pay as well as the health insurance company arguing and negotiating a lower cost. For example, I read an article that if you want an MRI, the authors called and found the price was $1200 to walk in and have it done. That assumes health insurance being involved. If you say you're paying with cash, the price comes down to $300. This was just one reporter calling around.
If medical costs don't get worked out the system will collapse and that's when we get the government in control of healthcare, which is the worst idea in the history of this nation.
Total $37k
Out of pocket $11k
They itemize it a bit in the video below.
What surprised me: anesthesia was the most expensive part, $14k (she said it was for an epidural). No idea why that part was so expensive.
Out of the $26k difference between out of pocket and total, I don't know how much the health insurance company ends up paying after they haggle with the hospital.
It's been estimated that if we paid with cash, costs come down 40%-60%. I've also seen it reported that what you get with a hospital bill is often 3x (or more) the actual cost because the hospital has to account for a ton of people that can't or won't pay as well as the health insurance company arguing and negotiating a lower cost. For example, I read an article that if you want an MRI, the authors called and found the price was $1200 to walk in and have it done. That assumes health insurance being involved. If you say you're paying with cash, the price comes down to $300. This was just one reporter calling around.
If medical costs don't get worked out the system will collapse and that's when we get the government in control of healthcare, which is the worst idea in the history of this nation.
30
Posted on 3/3/25 at 6:41 pm to POTUS2024
frick hospitals and frick insurance companies
Posted on 3/3/25 at 6:41 pm to POTUS2024
I paid $3k in texas for everything 2 years ago, 2nd on the way and the estimate is near the same.
Posted on 3/3/25 at 6:44 pm to POTUS2024
I get some stuff can be expensive but it's downright fraudulent what the healthcare industry is doing between pharmacies and hospitals. Other than some tax I don't know how you combat people who can't pay.
Posted on 3/3/25 at 6:45 pm to POTUS2024
I had a baby 4 months ago. Cost us $4,500, (my out of pocket max). That was a great way to kick off my unpaid maternity leave.
Why aren’t people having more babies?
Why aren’t people having more babies?
Posted on 3/3/25 at 6:45 pm to POTUS2024
$100k for a hip replacement.
Before insurance, doctors and hospitals could only charge what the market could bear.
Before insurance, doctors and hospitals could only charge what the market could bear.
Posted on 3/3/25 at 6:46 pm to POTUS2024
I’m not watching the video, my wife had three kids within the last 10 years and it was $1000-1400 to the anesthesiologist every time. Up front, they get their money early. Seems like a bullshite arrangement imo. Not saying they shouldn’t get paid just don’t know why they get paid first, and yes I know it’s basically ‘elective’ but you don’t even know if you are going to have it in their hospital 100% when you pay it.
Posted on 3/3/25 at 6:48 pm to POTUS2024
We are all paying for catastrophic coverage, something that would likely bankrupt us. The only reason to have insurance and not pay cash for everything. Insurance is a Ponzi scheme.
Posted on 3/3/25 at 6:49 pm to baldona
quote:
and yes I know it’s basically ‘elective’
Even for a cesarean? Meanwhile my husband acts like he needs hospice when he has a common cold.
Posted on 3/3/25 at 6:51 pm to POTUS2024
One of our family friends had a really rare immune disease that attacked her body (her blood pressure when she went in was 300/150). She ended up spending 55 days in the ICU, saw some really expensive doctors and took some really expensive meds. The bill they got for the year came out to $4.8M before insurance figured it out
This post was edited on 3/3/25 at 6:53 pm
Posted on 3/3/25 at 7:06 pm to 4cubbies
quote:
had a baby 4 months ago. Cost us $4,500, (my out of pocket max). That was a great way to kick off my unpaid maternity leave. Why aren’t people having m
Lolz. I pay that every year just for my daughter’s volleyball.
Posted on 3/3/25 at 7:41 pm to Robin Masters
My son needed an MRI of his knee... $1000 if we used our insurance (deductible) or if we went to another place it was $300 cash.
I had a pulmonary embolism last year... hospital costs were $65k, my out of pocket was $6500.
One procedure seemed like a rip, the other was kinda what I expected (or better)with insurance.
Since I had hit my max out of pocket on the embolism, I had my deviated septum fixed for nothing and that was a huge life changer.
I had a pulmonary embolism last year... hospital costs were $65k, my out of pocket was $6500.
One procedure seemed like a rip, the other was kinda what I expected (or better)with insurance.
Since I had hit my max out of pocket on the embolism, I had my deviated septum fixed for nothing and that was a huge life changer.
This post was edited on 3/3/25 at 7:43 pm
Posted on 3/3/25 at 7:43 pm to Robin Masters
You’re getting off cheap, be glad it’s not dance.
Posted on 3/3/25 at 7:46 pm to POTUS2024
quote:
What surprised me: anesthesia was the most expensive part, $14k (she said it was for an epidural). No idea why that part was so expensive.
Oooh ooh.
Call on me.
Anesthesia groups are pieces of shite. They often purposefully do not participate in the health insurance plans that the hospital participates in. This means that their charges are not negotiated and are billed “out of network.”
So people who have researched to make sure their OB and hospital are in network get hit with an out-of-network bill that is no fault of their own.
Tell your state reps to pass legislation to force anesthesia groups to negotiate rates with the same plans their hospitals participate in.
Posted on 3/3/25 at 7:48 pm to LemmyLives
Spent 2 days in the hospital for an internal bleed. $2,000 was for the actual procedure that diagnosed it. $28,000 was for laying in a hospital bed with a nurse that rarely entered the room. Oh, and French toast was $20 for two small slices!
Can't blame the insurance companies for insane hospital food cost, just good old price gouging.
Can't blame the insurance companies for insane hospital food cost, just good old price gouging.
This post was edited on 3/3/25 at 7:49 pm
Posted on 3/3/25 at 7:52 pm to LemmyLives
quote:
You’re getting off cheap, be glad it’s not dance.
I’ve heard dance and cheer are bad.
We aren’t even on the elite travel team….yet. They went to Puerto Rico for a tournament recently.
Posted on 3/3/25 at 7:57 pm to the808bass
quote:
Tell your state reps to pass legislation to force anesthesia groups to negotiate rates with the same plans their hospitals participate in.
Florida already has that, and my wife has had to slap a copy of it on the counter when they tried that scam.
Posted on 3/3/25 at 8:02 pm to POTUS2024
quote:
Total $37k
Out of pocket $11k
He must of had Shitty Insurance. A friend just had a baby and total cost was $120 from the Hospital.
Posted on 3/3/25 at 8:10 pm to John Barron
We have excellent insurance (wife employed by hospital of delivery), and the Bill was almost $70k, we ended up paying about $4,000.
None of it makes any sense to me and it’s completely ridiculous looking at the itemized bill.
None of it makes any sense to me and it’s completely ridiculous looking at the itemized bill.
Posted on 3/3/25 at 8:10 pm to John Barron
quote:
He must of had Shitty Insurance. A friend just had a baby and total cost was $120 from the Hospital.
Must have had the baby in Europe.
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