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Medical billing nightmares: anybody want to share stories?

Posted on 5/21/15 at 3:02 pm
Posted by Cole Beer
Baton Rouge
Member since Aug 2008
4595 posts
Posted on 5/21/15 at 3:02 pm
The Agony of Medical Bills

quote:

Even for people with generous insurance plans, a trip to an in-network doctor can result in thousands of dollars in unexpected charges. Can anything be done?


quote:

It shouldn’t take a Harvard expert in health policy to understand a doctor’s bill. But sometimes, it does. In August of last year, Liz was a medical student whose doctor found a lump on her tonsils. Her primary-care physician referred her to an in-network ear-nose-and-throat specialist.


This is a fairly long, interesting read about the sinister operations of medical billing, insurance and collections.

Moral of the story: don't get sick or hurt
This post was edited on 5/21/15 at 3:04 pm
Posted by Golfer
Member since Nov 2005
75052 posts
Posted on 5/21/15 at 3:10 pm to
I've never understood why it's so complicated. It's just retail. List the price with insurance discount and charge the patient that price.

Wife and I have dealt with this now two times in the last 6 months...general confusion because certain things are billed to the doctor, others to the hospital/doctors office/surgery center, and others to a 3rd-party diagnostics.

Normal retail companies just lump all this together and deal with it on the back-end.
This post was edited on 5/21/15 at 3:13 pm
Posted by Salmon
On the trails
Member since Feb 2008
83668 posts
Posted on 5/21/15 at 3:15 pm to
During my wife's pregnancy on one of her check ups, the doctor told us that there was cause for concern with one of my wife's blood samples and that I should get the same test done as well just to be sure because it would be a bigger deal if we both had the same issue. She told us that her office could handle the blood test, so no big deal, I got the blood test and went on with my day.

1 month later we got a bill for $3k for 1 goddamn blood test. The insurance refused to pay any of it because it was out of network for me because we were at a women's hospital.

I fought it for about 6 months but finally just caved and paid the bill when the hospital started threatening to call a collections agency.
Posted by sneakytiger
Member since Oct 2007
2475 posts
Posted on 5/21/15 at 3:21 pm to
Might be the only industry in the world where neither the consumer nor the seller can forecast what they will pay or receive as a result of the transaction
Posted by The Spleen
Member since Dec 2010
38865 posts
Posted on 5/21/15 at 4:07 pm to
Yes, I went through a horror story about 15 years ago. Broke my arm and didn't have insurance. Broke it on a Sunday afternoon, and knowing I didn't have insurance and wanting to avoid the ER charges, I was going to wait to go to my family doctor the next morning. The pain became unbearable so I broke down around 10 Sunday night and went to the ER. Paid $100, got some x-rays, a couple of vicodin, a splint, and instructions to go see an orthopedist the next day. A week later get a bill for around $5k, just from the ER. The next day get a bill from the ER doctor for another $1k. Long story short, went back and forth with the billing department on why I got 2 separate bills when the ER doctor was an employee of the hospital, and why the bills were so high. 6 months later, and after sending it to collections despite assuring me they wouldn't, they agreed to settle both bills for $2k total.

I know it's a controversial topic, but the saga is why I support some form of a single payer system. Granted, most of the saga was my own fault(not having insurance, engaging in an activity where I could get hurt, etc.) but the mercy your're at when you go get medical care without insurance is frightening and shouldn't happen in a country this advanced.
Posted by Dooshay
CEBA
Member since Jun 2011
29879 posts
Posted on 5/21/15 at 4:49 pm to
Hear so many bad stories. Glad Obama implemented the affordable care act to clean up this mess.
Posted by JayDeerTay84
Texas
Member since May 2013
9847 posts
Posted on 5/21/15 at 6:54 pm to
My wife just had our thrid baby. The bill was unreadable. shite all over it.

One charge was $735 "just in case my wife needed blood". Like, wtf.

My wife was there for 1.5 days, $2K room bill.

$548 to test the babies hearing.

Just keep adding it up.

$1.5K for the doctor to literally catch the baby.

The entire medical industry is a sham.



On top of all that, 1 vist to the doctor ='s like 3 bills.


Now when they call me asking to pay and they get pissy I threaten them to send me to collections so I can pay less.

They usually just shut there trap and get paid when I damn well feel like it.
Posted by TigerFanDan
BFE
Member since Jul 2008
885 posts
Posted on 11/10/15 at 7:12 pm to
I hate dealing with medical billing office. My wife sees a doctor who requests some blood work and 2 xrays. My hospitalization policy does not cover this period. I tell the lab and xray business office and they say no problem, we will treat you as a cash customer with no insurance. They charge $362 for lab and $172 for xray. Paid lab on the spot and paid xray when bill was mailed to me, also paid radiology group $75 for reading the film. Everybody gets paid cash and its all good right. Started getting bills for $1247 for lab work only. Requested itemized bill and its the same lab work for nearly 4 times the earlier billing. All because I have a hospitalization policy and they tried to bill insurance company. They can kiss my arse.
Posted by TheChosenOne
Member since Dec 2005
18548 posts
Posted on 11/10/15 at 10:11 pm to
It's not necessarily a nightmare because I came out way ahead, but...My wife was in the hospital for two weeks before my daughter was born and then she was in the NICU for 6 weeks after that. The crazy amount of bullshite that we were billed for was insane. Also, despite the OBGYN and hospital being in-network, the hospital Anistiesiologists were not. So, that was $3,500.

After fighting the first couple bills, I just decided frick it. We were going to hit our out of pocket max no matter how much I fought, so I just paid up to my out of pocket max and left the rest to insurance. All totaled, they were billed over $400k...I paid $12k (the ordeal spanned over two calendar years, so I hit the $6k out of pocket max twice )
Posted by ynlvr
Rocket City
Member since Feb 2009
4608 posts
Posted on 11/11/15 at 6:43 am to
Sounds like a business opportunity in Medical billing. I'll have to look into this.
Posted by The Spleen
Member since Dec 2010
38865 posts
Posted on 11/11/15 at 7:59 am to
.
This post was edited on 11/11/15 at 8:03 am
Posted by yellowfin
Coastal Bar
Member since May 2006
97792 posts
Posted on 11/11/15 at 8:18 am to
Went in for colonoscopy
preapproved
covered 100%
cut out one polyp
changed coding
2k bill
Posted by Pelfan8104
BRLA
Member since Jun 2015
95 posts
Posted on 11/11/15 at 7:48 pm to
there are no good outcomes when it comes to medical bills.
This post was edited on 3/22/16 at 5:25 pm
Posted by Tigerstudent08
Lakeview
Member since Apr 2007
5776 posts
Posted on 11/13/15 at 7:05 am to
We had a baby a couple months ago and I got a good job offer the day our baby was due. Because of this we put my son on my wife's insurance even though she had a $2500 deductible plan. We knew we were going to be spending at least $2500 for the birth and were fine with that. Well they test him for jaundice before we leave the hospital and they say his levels are raised so we need to go get a blood test for him in two days. Two days later his number is still high so we have to go check back into the hospital for one night to have him sit under a light. Since we left the hospital and came back, my son was now his own person and not covered under my wife. So boom we got hit with another $2500 deductible to sit under a freakin light. Next time I will tell them I am not leaving the hospital until his number comes down and they can rack up the charges under my wife's name who already hit her max out of pocket.
Posted by Shaun176
Baton Rouge
Member since Aug 2008
2494 posts
Posted on 11/14/15 at 6:23 am to
The real question here is where is all of this money going and how much are they giving to politicians to keep this system going.
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