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re: Medical billing nightmares: anybody want to share stories?
Posted on 11/10/15 at 10:11 pm to Cole Beer
Posted on 11/10/15 at 10:11 pm to Cole Beer
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
)
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
)
2
Posted on 11/12/15 at 12:44 am to TheChosenOne
Actually, in your case, with 6 weeks of intensive care for your newborn and 2 weeks of hospitalization for your wife, you actually made out very well. I mean, that's why you have insurance, for when you really need extreme care. You were on the hook for about 3% of the total cost. I guess if you factor in your premiums, it was more 6-7%, but you should be happy.
This post was edited on 11/12/15 at 7:54 am
Posted on 11/16/15 at 9:34 pm to TheChosenOne
quote:
the ordeal spanned over two calendar years, so I hit the $6k out of pocket max twice )
Maternity coverage is a huge scam. Not only do you have the deductible reset January 1, but you also have a separate deductible for mother and baby.
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