3.05.2010

Emergency Room Bill Updated At Bottom. Current Total: $4,476.83

If you recall, yesterday I asked you to guess the cost of a three hour emergency room visit for my very serious separated shoulder. There's your answer. This is the amount submitted to my insurance company. FYI, I buy my own health insurance from Blue Cross and it costs me about $300 a month (with a high deductible -- although I don't recall the amount right now.) So I'm not sure how much this bill will cost me out of pocket. And I still have the bill from the ER doctor and Radiologist to come. (I don't think the "Radiology" entry above is for the actual doctor -- just the use of the x-ray machine instead.) One question: What is that "Managed Care Adj[ustment]" thing at the bottom? I'll keep this post updated as time goes by as we all learn about health care in America. *************** Edit on 3/5/10: I've now received the doctor's bill from the emergency room. Question: Why is this sent to me instead of the insurance company? So I have to submit this bill directly to Blue Cross? I've got health care confusion. Edit #2: Wow, I completely missed this. The stub to include with the payment gives me an automatic 50% discount if I pay it all in cash. What a screwed up system.(And what's an EOB that was mentioned in the comments.)

91 comments:

bBoxerfan said...

So a 3-hour emergency room visit is roughly $1000/hour - and this isn't even a complete billing! No, we don't have a problem with health care costs in America.

Anonymous said...

That is an adjustment that has been previously agreed to between your insurance company and the doctor/emergency room treatments. Each insurance company has their own adjusted rates. If you didn't have insurance you would be responsible for the entire amount. However, they ususally give you a cash discount/adjustment that is close to the one you see on your statement.

Anonymous said...

The "Managed Care Adj[ustment]" is reflects the agreement that the hospital has with you insurance company. The insurance company negotiates with each hospital what the cost of a given procedure will be. As a result someone with no insurance pays the highest amount and the largest insurance company can negotiates the lowest rate for each procedure.

This sound like a broken system…..

Anonymous said...

Wise County would not give me a discount for my sons surgery even if I paid in full. I had insurance but because of lay off and cobra expired, my new self pay wouldn't cover his knee, pre-exiting.
Dr. McKenna was gracious with a big discount for payment in full and had to do the surgery at Trophy Club, which I believe he like better anyway, because they would give me 50% discount for payment in full.

My son had to have three surgeries due to growth pattrns. Final surgery was complete reconstruction.

To bad I couldn't have this done in my own hometown so that I could travel less with son vomiting in the back seat, while some people at the emergency room locally are not insured, nor will ever pay a dime.

Yes this system is broken, but so is Texas Laws.

Son was 13 when this happend. My insurance wouldn't pay because of accident happening on other homeowners property. Other homeowners property wouldn't pay cause of his age and what they felt was there O/O or liability. Insurance companies wouldn't talk to each other.

Have to hire a lawyer who gets 40% if you get anything. Public isn't educated on this percentage of liability stuff, nor can they be instructed as a jury how that works I don't think. Other states aren't this way. A child is a child no matter what age.

BG your not a kid any longer except at heart.

Anonymous said...

I have BCBS also. I hardly ever go to the doctor or use my insurance for anything. The deductible is so high its ridiculous. I recently found out that my son has a heart murmur that we need to have an Echo done to see whats going on. I am a single mom and a teacher at one of the lowest paying school discticts in the area I might add. They call to do all the pre registration stuff and then tell me that my before procedure cost is $670! Thats just to have it done. Im sure the rest will be billed to me after. It costs me so much just to have the insurance that I cant even afford to use it.

Anonymous said...

11:26 You'll gewt stuck paying the premiums and they rise because if you ever change he'll have arider and probably can't even get coverage.

Anonymous said...

I think managed care adjustment has something to do with you being a BIG PUS. I'm not positive but I seem to recall that issue in healthcare.

Double fake Trapper John M.D

Anonymous said...

The system may be broken, but it's still a helluva lot better than socialized medicine.

Anonymous said...

11:24 McKenna likes the hospital in Trophy Club, becasue he actually owns part of it.

Barry, I respect your Dad immensely. He is an extremely smart business man. Since he is on the Bridgeport hospital board, go ask how much he has recently learned about the healthcare system. Ask him why your ER bill was thousands of dollars.

I know you are trying to stir up the Obama healthcare debate so let me shed some light for you.

Just to keep the Wise Regional ER doors open for the citizens of this town, here are some of the costs:

The ER doctor is making anywhere from $90-$150 per hour. (24 hours a day/ 7 days a week/ 365) That really adds up!!!
The ER Nurse is making anywhere from $30-$50 per hour. (24/7/365)
The registration clerk is making anywhere from $10-$17 per hour. (24/7/365)
The radiologist is making anywhere from $250K-$500K per year.
The radiology tech that took the x-ray is making $30-50 per hour. (24/7/365)
If there is any lab work done, the lab tech makes $24-40 per hour. (24/7/365)
If the lab work was too complex for the local hospital lab, then there will be a separate bill from an outsourced lab.
Then you have all the supplies that probably run about $100 per ER visit.
Then you have to pay people to send the bill to the insurance company and then fight the insurance company to pay the claim properly. Those people make $25-$40 per hour.
On top of that you have multiple administrative staff that make anywhere from $25-$85 per hour.

All of these people are waiting for you at both of the local hospitals. It is reassuring that we have these highly trained people just waiting around to help us. When you see them, you are probably having one of the worst days of your life. And they there waiting to nurse your broken body back to normal.

That brand new shiny hospital with all the new equipment costs about $97,000,000.
Wise Regional has a $97.0M bond payment (aka mortgage payment) that runs in the neighborhood of $650,000 per MONTH. This payment is being made without the help of any local taxes.

Finally Wise Regional probably collects about 40 cents of every dollar that it bills.

Oh did I mention that Wise Regional cannot turn away anyone that comes to their ER. (Even if they are illegal) They have to treat EVERYONE that comes to the ER. If it is determined that the patient needs a higher level of care, the local ER has to arrange a transfer to a bigger hospital, with a more specialized level of care.

I think both of our hospitals here in Wise County are doing a great job. It costs a lot of money to treat you when you are sick. But where would you rather be sick, here in Wise County or some where outside of the US?

For all the talk of a national healthcare system, take a look at the UK. They have national healthcare, but there is a booming “private” healthcare system for the wealthy. Their national healthcare system is nowhere near what we currently have in the US. Their private healthcare system is similar to what we have.

Do you want to downgrade what we currently have? Remember, you get what you pay for.

*This ad is paid for by the Wise County Hospital PAC.

But all of this really doesn’t matter because 12/21/12 is only two and half years away.

Anonymous said...

I cant wait until government supplied health care! I figure it will take them about 20 mins after the bill passes, for them to tell us "ok, now you cant, drink, smoke, chew tobacco, etc." Obama care is a JOKE! Think about people. The gov already tries to tell us how to live now. It will only get worse!

Anonymous said...

Gee - several folks with and without health insurance have BIG problems with the current system. However, it seems everyone(?) wants government out of the health care issue. Does anyone else see an incosistency here?

Anonymous said...

What the hell?? I thought "Republicans" say everything is OK with Healthcare. There is no need for reform. I am sure all the people bitching are not all "Democrats". I am so confused...I need a nap.

Anonymous said...

Get the government completely out of it...make the service providers have to collect what the market can bear and the prices will go down. If they are going to bill your insurance which is government regulated or bill the government directly which doesn't care what anything costs...what is the incentive to be cost effective?

Anonymous said...

12:16 To say you are confused is an understatement. You thought wrong when you thought Republicans say everything is OK. Can you site where that has been said? You watch too much Keith Olbermann or Rachel Madcow. It is public knowledge that Republicans want tort reform, no government mandates, access to ALL 1,300 insurance companies instead of 6 or 7. How is it that I have unlimited choices of car insurance but only a few health care insurance? Why blow up the whole system for only the roughly 20 million people that don't have insurance? Go after the fraud in Medicare and Medicaid and you could provide them with insurance they need and let me keep what I have or you have instead of bankrupting us even more with a Trillion dollar government run boondoggle? Government is not the answer. It is the problem. Try thinking outside the box.

Anonymous said...

“So I'm not sure how much this bill will cost me out of pocket.”

Because the premiums of group health insurance is the total of all claims plus administrative cost plus profit divided by the number of people in the group.

The “easy” ways to reduce health cost –
1 - Reduce the amount of expense that health provided have to eat to do serving uninsured people.
2 - Have common systems to reduce administrative cost.
3 – Mandate that everyone (or close to everyone) have insurance.

Anonymous said...

Tort reform is a hot button topic that has not merit...

Texas implemented this program a very years ago – our medical cost have increased equal to the national norms –

I agree with Tort Reform has some benefits – but the financial advantages are slight.

Anonymous said...

12:45 “Get the government completely out of it...”

That’s a great solution…..eliminate Medicare and make everyone buy their own private insurance…..

The problem with this discussion to the lack of intelligence on both sides….. we need facts not talking points….

Anonymous said...

1:04 Don't you remember? We got "tort reform" in Texas a few years ago. In fact, medical malpractice lawsuits are all but dead and jury awards were severely limited by statute. Doctors, hospitals and insurance companies got that passed to help stop those rising health care costs we've all heard so much about.

I'm sure that your insurance company immediately lowered your premiums and passed that savings on to you. Didn't you notice? Doctors, I'm sure you noticed the drop in your Med/Mal rates as well. Thank you tort reformers! Thank you Rick Perry!

Anonymous said...

If you think thats bad, call and ask for an itemized statement! Now THAT will shock you!

Anonymous said...

1:33, Did they open up access to all insurance companies too or eliminate all the fraud? Nope. Until that happens, cost will go up.

Anonymous said...

12:05 Amen, brother. You begrudge the hospitals the money it takes to run them, but by God you want them here when you or yours is sick! Yet you're perfectly fine with paying attorneys hundreds of $$ per hour. I just don't get it....you get what you pay for, and socialized medicine will be just that....a bunch of low level care provided by low quality providers to the idiots who thought they had it bad before.

Anonymous said...

So 1:40. You think the hospital just gets this stuff for free? Or maybe you think we nurses want to work for a pittance out of the goodness of our hearts to take care of your sick sorry a$$? Care costs bucks...big bucks. You don't like it, don't come for treatment...treat yourself and quit bitchin'.

Anonymous said...

No joke on the itemized statement! I hate having to go to the ER, but when the pediatrician is closed weekends and one of my little ones started running a fever mid-day Saturday that spiked over 104 in the middle of that night, I had no choice. The teaspoon and a half of tylenol they gave her was $2!

Anonymous said...

2:18, Did you try to break her fever yourself?

Anonymous said...

We're all doomed.

Anonymous said...

Medicare & Medicaid are very abused. Running annual test like colostomy's for someone that has never had a problem just because of their age...
Thats how they paya the bills here.
Real problems are shipped out.

Anonymous said...

2:18. You were paying for years of training and specialized diagnosis and treatment. Those doctors and nurses had years of eduation to treat your kid appropriately. If you're so smart on your own, then why didn't YOU give your kid the tylenol and save the money?

Anonymous said...

hold off on pay'n barron, cuz dec 12, 2012 is com'n soon .

Anonymous said...

2:35, 2:56, Of course I did. They added the tylenol ON TOP OF the motrin that I had given her an hour before (and had been giving up until then). And the high cost of the medicine was not paying for the tylenol, that would have been the er charge, not the pharmacy charge. But the charge of their knowledge led me to the knowledge that I can give them tylenol and motrin at the same time for short periods if needed.

Anonymous said...

Well sorry it took a separated shoulder to get you educated and involved in this ridiculous health care system but it's cool you are

Anonymous said...

1:04/2:09 I saw your post(s) and am having trouble following your logic.

Your response is to 1:33. Yet, that post is limited to tort reform. Maybe you're using a different dictionary, but the subject of "tort reform" refers to changing the rules of civil lawsuits. Oddly enough, your response doesn't address that at all.

You begin with a different topic, "Did they open up access to all insurance companies too..." By "they" are you naming the Texas Legislature? The same Texas Legislature that has been under exclusive Republican control since Bush was first elected Governor? For a poster that says "Government is not the answer", it appears that you are telling us that Government needs to be the answer. You want the Government to change the laws, rules and requirements.

Then, you drag out the old favorite of "...or eliminate all the fraud?" Which fraud? The higher than necessary premiums? The unwillingness to cover standard medical treatments? The unwillingness to cover preexisting conditions? The unequal bargaining power of doctors, hospitals, insurance companies, consumers? The huge profits of the "struggling" insurance companies?

But, what I find more interesting in the "...or eliminate all the fraud?" angle is that you are again asking if the Government will eliminate all the fraud. So you want Government "out", but you want Government oversight, Government laws to back your plan, and Government control to make sure the new laws, rules and regulations are enforced.

Oddly, the most non-governmental control would be allowing a jury of your peers to decide whether someone did something wrong or not. Some sort of enterprise that allowed the common man to take on those people that took advantage of him or did him harm. But, you've already said you're against that.

Anonymous said...

Yep don't start pay'un cuz On December 21 2012 we'll all be pray'un.

guinjames said...

What I like is Drs. that refuse to treat Medicare or Workman Comp claims. We are required to pay Medicare but Drs. aren't required to take it. I would like to read the new Hippocratic Oath that says I will treat all with no regard to race, creed or religious background unless they have Medicare or Workman's Comp.

Anonymous said...

3:37 Physicians are only reimbursed a tiny bit of what their fee should be by medicare and even less by workmans's comp. They have the same right you do to make a good living and the same right to do it any way they see fit. They are not obligated to take care of you just because you breathe air. It's a free country, even for physicians...for a little while, at least. Why do you feel so entitled????

Anonymous said...

3:37 work comp sucks, flat out.
u wouldnt work for those wages/conditions either.

eg your wage is cut 75% and u dont get paid for 3 months and lucky then.

Anonymous said...

I wish there was a "common sense" health care plan option that would EXCLUDE coverage for injurious activities that can reasonably be avoided. Wonder if I could get a premium discount if I agreed insurance would not pay for any of my ski jumping mishaps, purposefully rolling down a hill, four wheeler accidents, base jumping problems, fighting with siblings, getting bit by a snake while noodling, and the whole host of things that cause injuries that result in millions of dollars of daily expense for the insurance company I pay higher premiums to in order to cover such foolishness by others.

Anonymous said...

3:37, at the rate this situation is deteriorating, there will be few young people who want to even go into medicine. Then EVERYONE won't get treated for anything. Why would anyone want to rack up a couple hundred thousand in debt to get a job that involved paperwork and being sued and told how to treat people? Plus, a job where the expenses of being a doctor nearly outweigh what you're able to make in salary.

Anonymous said...

Sounds like a lot of Doctors on here with the opinion that we should enjoy getting gouged and it broke off in our ass and like it because they spent a lot of time in some school or some other unknown reason.

Anonymous said...

BREAKING NEWS: Does anyone know what is going on on the NE side of Lake Bridgeport in Moonlight Bay? Appx. 9 WCSO and DPS cars, 1 WC EMS Truck and Rescue 1 is on scene.

Anonymous said...

Why don't all of you open up and say ahhhh!

Anonymous said...

I wonder if they treated BG for being a closeted FLAMER?

Anonymous said...

Thanks 4:28, that explains why there are so many doctors around here wearing thrift store clothing and living in run-down houses.

Anonymous said...

I'm not sure why all the talk about the system being broke? Try socializing it all and you would be laughing hysterically at someone telling you they only spent 3 hours in the emergency room. They would think the drugs had not worn off yet. Plus they would bill the government (taxpayers) $2,000/hour, just becuase they can.

Anonymous said...

I want government healthcare. I also hope there are death panels. And I will work to get on one. And I'll deny treatment for every one of you and your relatives.

Anonymous said...

12:06 absolutely correct! Might also mention "junk food"

Anonymous said...

You should have a ER copay usually 75-150. Sometimes thats it for an ER visit sometimes not, you maybe paying up to 20% most insurance is not more than that. Your lucky we were sent to another ER and had to pay that x2!

Oh and the managed care adjustment is a credit so I wouldnt complain about it to much!

Anonymous said...

How many of us will actually ask our doctors how they feel about national health care?

Our doctor says, "well, the hospitals will all be like VA hospitals"......

....well what does that mean to somebody who is NOT a veteran?

....our jobs as citizens of this country is to keep asking questions of our doctors, elected officials, hospital administrators, etc.......and then.....

GOD HELP US!!........try to sort out the mangled mess.

SHEESH!

wisenurse said...

2:18 $2 for 5ml of tylenol and peace of mind your kid is going to be OK is worth it - so many ER visits are unpaid because as someone else stated in the blog ERs MUST treat all patients with or without insurance. I have worked in ER and have asked patients who complain of "sniffles", or "my back has been hurting for 3 weeks" did you see your primary care doc - I have been told numerous times NO I would have to pay - and that is the absolute truth. ALL people will be treated...period. Therefore a tsp of tylenol will be $2 - WHY? The hosptials must re-coup money from the insurance paying patients - and that is sad. My son is 14 yrs old with a terminal disease - I have busted my a## keeping him insured all his life - paying outrageous COBRA between jobs, unloading freight at fed-ex for insurance so he can get all his meds and care - no CHIPS (they don't take diseased children) no government assist - be thankful if you have the opportunity to get health insurance, have healthy children, and be healthy enough to work 2 jobs to pay for insurance. Without it - my son would not survive. You do what you have to do - you pay the $2 tylenol and thank god you HAVE insurance.

Anonymous said...

One word of advice--we have BCBS--took son to WRH for emergency. Dr. was not in network. I called BCBS--questioned--Am I really suppposed to ask the ER dr. if he's "in network" in a true emergency???? Was told that the third party biller has no idea this was an emergency--they just bill. Long story short (I know--too late) when you get your ER dr. bill, call them! Tell them it was emergency, not a choice of an "out of network" dr. They will hugely discount your bill!!!!!

Anonymous said...

lol to all of you....so busy bitching with no real solution.
Say something useful, don't rehash what we know. We do have Senators and Represenatives that WE THE PEOPLE should be giving real solutions or suggestions. The more that do and keep doing the more that gets done. Believe it or not it works. When they stop following what WE want, we vote their ass out of office. That is why it is elected. Quit complaing and do something!!
www.house.gov
www.senate.gov
Both sites above you can send emails to your elected officials and see what legistaion they are working to pass into law. There is even a phone number.

Anonymous said...

wisenurse you sound like that idiot nurse from alvoid, are you her?

wisenurse said...

8:06 - You surface AGAIN - and AGAIN I must remind you that YOU are the idiot! I hope your children are healthy unlike my terminally ill child - better yet I pray you haven't reproduced - P.S. PLEASE point out "Alvoid" on the map

wordkyle said...

A rather simplistic yet effective example of a free-enterprise way to reduce healthcare costs:

Several years ago I had medical insurance with a company who asked customers to look over their itemized bill from the doctor or hospital, and to indicate to the insurance company any errors. (Apparently double-billing and billing for nonexistent treatments and meds are fairly common.) If the hospital corrected/dropped the charges, the insurance company paid me half the savings. I was motivated to look bills over and the insurance company paid less money for more accurate medical bills.

As I said, simplistic -- but shouldn't "experts" come up with creative solutions where such principles could be applied more broadly? Simple, inexpensive and effective -- the opposite of the Democrat healthcare legislation.

Anonymous said...

2:13 - Why get so defensive? Did I say anything about nurses or doctors? NOPE SURE DIDNT! Therefore there is no need for you to curse me or your hateful attitude on here.

1:40 - TM

Anonymous said...

8:00--do the same thing! Actually resulted in a kick back TO ME from teh insurance company. My doctor was furious at the things the hospital had charged me as receiving that I didn't!!!

Anonymous said...

I went to the ER recently and the bill I got was completely outrageous. All I did was sit in in the waiting room for 25 minutes, seen by NOT A DOCTOR, but a Physician's Assistant and read any eye chart. I was handed a prescription for antibiotics and I left. The hospital charged me close to $1,000! I recently lost my insurance due to losing my job. I can't believe that hospitals get away with this. The bill does not justify the services that I received in any way. I am just numbstruck.

Anonymous said...

Don't pay them a dime until you get an EOB from your insurance company!

Hobbes said...

I think this is best illustrated by an analogy. So everyone pays taxes and we as citizens receive the benefits of national defense (the army, navy,....), law and order (police force), and protection of personal property (the fire department). Now what is the most important part of a democratic/self rule government; the people that make it up. Why shouldn't the government thru taxes provide a simple measure of protection for its citizens in a biological sense. We do it in all the previous situations. If it's good enough for the people we let die to protect us (the troops), and its good enough the politicians, what is really wrong with health care reform other than its being proposed by a black man?
And also any one who says that if you want socialized medicine be prepared to wait for weeks to see a doctor is perpetuating an unreasonable fear. If you break your leg in a socialized healthcare setting you will get attention immediately, if you want an eye exam, you might have to wait three weeks for it because you don't need it immediately. Learn some time management.

R and R said...

So am I safe to say it's the hospitals/doctors who are the problem and not the insurance companies?

Anonymous said...

Hobbes, plz don't be so race baiting and naive to think that those of us who oppose Obamacare only oppose it because he is black. Give me a break. I oppose it because it is a blatant attempt by the federal government to take over 1/6 of our economy, it will only add to our record federal deficit, and it will dilute the quality of healthcare in this country. It has absolutely nothing to do with Obama being black, purple, or any other color.

Anonymous said...

You folks who are so reluctant to pay for our services at the ER...just don't come! NO one begged you to come to us for help. To use our resources and our expertise and knowledge, there is a price, justifiably. There are many factors involved in hospital billing, and you get what you pay for. If you don't like, treat your own self and quit using our resources. We're a business, not here for charity and free hand-outs. Get real!

Anonymous said...

9:44 IS RIGHT WAIT FOR AN EOB, OR WAIT 60 DAYS MAKE A DEAL. OH THEY CALL ME DOC.

Anonymous said...

Hobbes..your missing the point. This is the last line of defense for people who have worked hard all of their lives, paid their bills, paid for insurance, paid taxes and were responsible in general. If everything in life is going to be an entitlement then why work hard anymore. More and more people each day are expecting their handout from the Government, eventually society will crumble under this notion that we are entitled. Just wait until there are more people willing to milk the government than earn an honest paycheck...Obama and his ilk will gladly give it to them because they just bought a vote.

Anonymous said...

10:07, you make this conservative anti-Obama health care have second thoughts about my politics.

Anonymous said...

Amen 10:07. You hit the nail on the head. If the ER did not have to cover all the non-payments, then everyone’s bill would drop. It is just like shoplifting in retail stores. The store can’t continue to eat their losses, so the cost of the stolen goods are shifted to the people that pay their bills.

10:00 unfortunately the federal government already runs the entire healthcare system through regulations. Also the federal government is the biggest payer of healthcare services through Medicare and Medicaid. Over 50% of the income for most hospital comes from a federal source. So we already have "government run" healthcare. In my opinion that is why we are having problems, too much government involvement.

Anonymous said...

Some of the cost associated with your high bill is the result of subsidizing Illegals health care while here as guests of our country.

Anonymous said...

Included in Barry's visit to the hospital was the cost of the illegal's health care. All you folks out there with cheap oversized houses built with illegal labor should have to pay half of the total charges on his bill.

Anonymous said...

Note to the person who thinks I need to learn time-management. I had an infection in both eyes so I had no choice. I can't time-manage an infection to when I am due to see an eye doctor. You missed the point!

Anonymous said...

Not sure why everyone gripes about paying when they come to a hospital and use expensive technology, i.e. x-rays, MRIs, CAT scans, lab testing, and think they should get out with a bill under $100. That's just not even remotely sensible! If you want trained experts to diagnose you using state-of-the-art equipment, why would you be surprised that the cost would run into the thousands? You have NO IDEA how many trained professionals' time and how much expensive equipment is used to do what you would assume is simple diagnostic studies. You need to be involved in the system and have a teeny bit of knowledge of it before you start blasting hospitals, physicians, nurses, and the HC system! Again...don't like it....treat yourself.

Anonymous said...

I worked for a French company which there were many French-born employees working in my company. France has the kind of health care system Obama is trying to get passed. There are no complaints about their health care system from what I have learned. As a matter of fact, they think their system is a very good one. Just like the Republicans...always ready to rip apart any change the democrats try to do for the better of the people. NO PARTISONSHIP anymore from the Republicans!

Anonymous said...

I know it doesn't seem like it, but a medical facility actually bills the insurance company higher prices than they charge cash patients. The facility and the insurance company have a negotiated price that they will actually pay, and this is never really an issue unless you have a deductible (usually for xrays, labs, etc). If you have a deductible, they bill the insurance company the higher price which the patient is responsible for, and then it is applied to the deductible until the total deductible amount is reached. When you get an EOB- explanation of benefits from your insurance company, it should tell you the total amount you'll be responsible for. Sometimes, a medical facility will allow you to bill the covered procedures and pay cash prices for those that aren't, which would reduce the amount you owe because, as I said, cash patients are billed less than insurance companies, even though they end up paying less. I may be wrong, but I'm pretty sure that's how the clinic I worked for used to do it.

Anonymous said...

You call READING AN EYSE CHART state-of-the-art equipment? LOL

Anonymous said...

EOB=Explanation of benefits

Anonymous said...

Do not forget about victims of drunk drivers that get minor injuries and go to the emergency room and get billed. (the same drunk drivers that Mr. Barry defends - wont pay for medical bills)

Hobbes said...

10:54 your infection is an emergent matter so you would go to an emergency room to be seen.

and to 10:18
You worked hard all your life and now you get to reap the benefits of a fixed income and medicare. Your government handout. The argument that more and more people expect a government handout is absurd and nothing more than popular thought that is perpetuated by people who don't know but just want to comment on society, that is really just hearsay. You think people really like living in public housing and living on welfare? AKA milking the system. They don't and want to get out of it.

and to 10:00

It might be race baiting but I honestly think that the amount of discourse that one hears in the political discussion today from old white men, is mainly due to the fact that they lost the power to someone who is black and has the middle name Hussein. Look at other political battles. Many of Obama's cabinet picks were subject to filibuster tactics. The balanced budget committee that didn't get proposed because Republican support left after Obama threw his support behind it. Its not that the Republican party is the NO party now, but the No to Obama party.

Anonymous said...

Hobbes...10:18 here. I am young enough I will never see social security that is why I have aggressively saved and invested and will continue to do so. I will never live on a fixed income because my standard of living wouldn't allow it to begin with. I would rather work into my twilight years if my savings or investments ever become compromised than be reliant on social security. How is something you pay for all your life in taxes a "handout" to begin with?

If people don't like public housing, why can't they seem to find a way out? The opportunity is out there, and it doesn't take incredible back breaking work or knowing the right people to obtain. It simply takes a little bit of ambition.

Anonymous said...

This is a pretty funny read from all the armchair (economists/doctors/lawyers/CPAs/insurers/MBAs/CEOs/CFOs)from Decatur, Texas, Wise County, USA.

Idiocracy is upon us all.

Anonymous said...

wise county buffoonians.

Anonymous said...

EOB is an explanation of benifits. This is the paper wyou get from your insurance company showing what was charged, how much is ALLOWABLE to charge, how much went toward your deductible, etc. It will have a line that says "Amount you may owe porovider". They CANNOT charge you more than that amount! I will tell you from experience that you will receive your EOB way before the hospital/doctor gets their copy of it or their payment.

Anonymous said...

Yes, hospitals charge less for self-pay pts. That's the way the business runs. They charge more for insurance. All these pay the costs for those indigents who expect something for nothing on the backs of the rest of us who actually work for a living and pay our own way.

Anonymous said...

Yeah its messed up. My husband (boyfriend at the time) had to go into the hospital and didn't have insurance and they told him the same thing. If you pay in full now they'll take half off. My question is "If you can take half off then why charge the entire amount in the first place!!??" It doesn't make any sense!

Anonymous said...

3:00 Obviously you don't know a lot about running a business and absolutely nothing about the health care industry.

Anonymous said...

3:00

The hospital quickly offers the prompt pay discount because their original charge is their “sticker” cost. But just like a car dealership, they are very willing to negotiate their fee.

They usually do not charge interest for a payment plan; however they will not give you the full 50% discount if you want to pay over time.

Also, the hospital will cut the fee in half because they will not have to pay their business office staff to create a bill, send it to the insurance company and then fight to receive their payment. This can be a lengthy expensive process. The hospital would rather give you a prompt pay discount and get the cash immediately.

Anonymous said...

I paid off a pregnancy, an apendectomy, and multiple lesser hospital and doctor bills, well before I ever had insurance.

Much simpler, and less expensive too.

We need to get the federal government out of health care completely, AND take the insurance companies with them.

Just the patient, and the health care provider...They can work it out without any third parties.

Anonymous said...

I love it when people make the "market" comparison. Like someone's health is part of a "market".

Let's say a 9 year old accidentally trips and get's knocked out. I'm sure the first thought that goes through the grownup's head is "hurry, let's shop around for some affordable health care to rush this child to so he won't die."

I'm sure they would first find a phone book and call the Decatur Hospital and the Bridgeport Hospital and check prices, you know, because they have these menus there that you can choose what needs to be done to save the child.(just wait, the sarcasm is dripping)

Let's then say they choose the Decatur Hospital and he is still unconscious. He gets there and the doctor on staff immediately get's x-rays, blood work, and all sorts of stuff. The grownup says stop and requests the menu, so they can decide what they can afford.

Then the Doctor says the child needs to be flown to Cook's in Fort Worth by helicopter. The grownup then says Stop and requests the list of local emergency helicopter services in the area so they can choose the one that is most affordable.

and so on and so on and so on.

Is this really how the health "market" should work. Is this the capitalist solution??

So, instead of that model, we have this big mess where no one has a choice on your actual care and you have NO idea on what ANYTHING will cost you whenever you HAVE to have something done.

Anonymous said...

Imagine Barry's bill($4,476) for someone that is 19 years old, same insurance as Barry's(3600/year), working hard, making $16,000 per year. It sounds like this kid just lost half ($8,076) of his entire annual income. This is the best health care system in the world?? Isn't anything an improvement over this??

Anonymous said...

6:44 - brilliant post. Thoughtful people go to the ER when they think the symptoms could likely lead to a full blown medical emergency. They don't ask questions. They just need something checked out.

We have used the Wise Regional ER two or three times and have found the medical folks caring and most professional.

Thanks to Wise Regional ER staff!!

Anonymous said...

The reason why you got your doctor billed directly to you instead of your insurance company is because wise regional contracts out the er doctors, and its the doctors decision if they want to be contracted with any insurances at all and which most of them are not so you get stuck with paying their bill because then its out of network

Anonymous said...

Well said 6:45 pm. That's the problem in a nut shell.

Anonymous said...

11:31, and maybe that person learns not to do stunts without equipment, avoiding future incidents that take half his pay. Insurance would be a breeze if not for smokers, drunks, overweight people etc. If all we had to pay for were people who were sick, diseased through no fault of their own, and injured ACCIDENTALLY, premiums would be so much lower.

Anonymous said...

My husband had appendix to the point of rupturing and had to have removed and was in hospital about 1 1/2 days. Bill was $15,000. Got call from hospital about paying; when I asked the girl why the bill was so high, she told me they "double bill" people to make up for the one's that don't pay. I saw charge for "heated blanket" and asked what that was (about $150 charge). She said that was where they put blanket in dryer and put on patient.
We did not have any insurance at the time. It is not a wonder that no one can afford insurance when there are so many bogus charges on your bill!