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Medical bill ! #1162920
11/25/14 09:05 AM
11/25/14 09:05 AM
Joined: Aug 2001
Posts: 1,437
Fairhope,Al. USA
L
longbow Offline OP
8 point
longbow  Offline OP
8 point
L
Joined: Aug 2001
Posts: 1,437
Fairhope,Al. USA
My youngest son ( 18 ) tripped over a disc and cut his pinky finger , went to Grovehill emergency and received 4 stitches . The bill came to the house today $ 1029 billed to BCBS and they payed $650 the hospital wrote off the rest I guess . I don't know how they can justify this cost ? $ 250 per stitch and a numbing shot . Obama care at it's finest

Rant over !


'A government big enough to give you everything you want, is big enough to take away everything you have.

Thomas Jefferson
Re: Medical bill ! [Re: longbow] #1162945
11/25/14 09:20 AM
11/25/14 09:20 AM
Joined: Jul 2011
Posts: 6,621
Mobile,AL
jsh1904 Offline
14 point
jsh1904  Offline
14 point
Joined: Jul 2011
Posts: 6,621
Mobile,AL
That's not necessarily a side effect of Obamacare, ER charges have always been ridiculous.


This post is protected by copyright. Anyone found posting here is subject to certified mail from my gay sister.
Re: Medical bill ! [Re: longbow] #1162960
11/25/14 09:34 AM
11/25/14 09:34 AM
Joined: Feb 2011
Posts: 1,651
Dothan, Alabama
Clayton Offline
8 point
Clayton  Offline
8 point
Joined: Feb 2011
Posts: 1,651
Dothan, Alabama
They charge that to make up for all the people that don't pay.

Re: Medical bill ! [Re: longbow] #1163009
11/25/14 10:22 AM
11/25/14 10:22 AM
Joined: Mar 2014
Posts: 2,626
Florida
P
Peach Offline
10 point
Peach  Offline
10 point
P
Joined: Mar 2014
Posts: 2,626
Florida
My daughter had a similar situation at the ER. Our bill for them doing almost nothing was nearly 1300. I called a hospital administrator and complained that I had been severely overcharged and did not even see a doctor. They reduced my bill from 1300 to 300. Just something you might want to try.

Re: Medical bill ! [Re: longbow] #1163012
11/25/14 10:28 AM
11/25/14 10:28 AM
Joined: Jan 2005
Posts: 33,437
Your mom’s house
doekiller Offline
Freak of Nature
doekiller  Offline
Freak of Nature
Joined: Jan 2005
Posts: 33,437
Your mom’s house
That is nothing new. It is not the result of Obamacare.

Re: Medical bill ! [Re: longbow] #1163036
11/25/14 10:53 AM
11/25/14 10:53 AM
Joined: Jul 2014
Posts: 5,487
sellers, montgomery county
P
paulfish4570 Offline
12 point
paulfish4570  Offline
12 point
P
Joined: Jul 2014
Posts: 5,487
sellers, montgomery county
most er care is via contract docs, not staff ...


paulfish4570
Joshua 1:9
Re: Medical bill ! [Re: longbow] #1163048
11/25/14 11:03 AM
11/25/14 11:03 AM
Joined: Oct 2003
Posts: 25,687
South Alabama
R
Rebelman Offline
Freak of Nature
Rebelman  Offline
Freak of Nature
R
Joined: Oct 2003
Posts: 25,687
South Alabama
I was told recently by a medical billing specialist that the average cost of an ER visit is $7800. You got off cheap.

Re: Medical bill ! [Re: longbow] #1163068
11/25/14 11:18 AM
11/25/14 11:18 AM
Joined: Jun 2002
Posts: 4,055
White Plains Alabama
cgardner Offline
10 point
cgardner  Offline
10 point
Joined: Jun 2002
Posts: 4,055
White Plains Alabama
Had a bad intestinal infection a few months ago. Stabbing pains and fever had my normal doctor thinking appendix. He sent me to the ER for a cat scan. A few weeks later I got the EOB from BCBS stating the hospital charged more than $10,000 for a 5 minute cat scan. BCBS paid around $1,000.

Re: Medical bill ! [Re: longbow] #1163077
11/25/14 11:25 AM
11/25/14 11:25 AM
Joined: Jul 2008
Posts: 1,319
Orange Beach, Al
Rickybobby Offline
8 point
Rickybobby  Offline
8 point
Joined: Jul 2008
Posts: 1,319
Orange Beach, Al
Urgent cares are they way to go nowadays if you can. It's usually a single upfront fee and everything they do is covered. The one I use is $155 and they've done X-rays and blood work in one visit before.


At times my ambition far exceeds my talent.
Re: Medical bill ! [Re: longbow] #1163090
11/25/14 11:37 AM
11/25/14 11:37 AM
Joined: Apr 2007
Posts: 3,633
Gardendale
B
BigDalk Offline
10 point
BigDalk  Offline
10 point
B
Joined: Apr 2007
Posts: 3,633
Gardendale
I went to the ER years back after a car wreck. My wife needed care so they saw me as well. A two minute conversation and a tylenol later resulted in nearly $600. That bill was on the other drivers insurance company


"The aggies are going to destroy bama"
Burbank
Re: Medical bill ! [Re: Clayton] #1163092
11/25/14 11:42 AM
11/25/14 11:42 AM
Joined: Nov 2011
Posts: 21,751
USA
R
Remington270 Offline
Freak of Nature
Remington270  Offline
Freak of Nature
R
Joined: Nov 2011
Posts: 21,751
USA
Originally Posted By: Clayton
They charge that to make up for all the people that don't pay.


This is the answer you're looking for.

Re: Medical bill ! [Re: Remington270] #1163110
11/25/14 11:51 AM
11/25/14 11:51 AM
Joined: Sep 2013
Posts: 2,326
Birmingham, Al
J
johnmcgowan Offline
8 point
johnmcgowan  Offline
8 point
J
Joined: Sep 2013
Posts: 2,326
Birmingham, Al
Originally Posted By: Remington270
Originally Posted By: Clayton
They charge that to make up for all the people that don't pay.


This is the answer you're looking for.

X3

Re: Medical bill ! [Re: longbow] #1163115
11/25/14 11:58 AM
11/25/14 11:58 AM
Joined: Dec 2001
Posts: 13,846
AL
H
hunterbuck Offline
Booner
hunterbuck  Offline
Booner
H
Joined: Dec 2001
Posts: 13,846
AL
The reason for the discrepancy between what the hospital charges and what insurance pays is due to contracts. BCBS and other insurers work out deals with providers (hospitals, doctors, pharmacies, etc) that they will pay "x" amount for each procedure, and the provider agrees to accept "x" amount for that procedure. Works out good for the insurer because it's a lesser amount they'll have to pay. Works out good for the provider because they're assured of of getting paid the agreed upon amount on time.


"You think I care? Roll Damn Tide"

Have you tried Google?
Re: Medical bill ! [Re: hunterbuck] #1163167
11/25/14 12:55 PM
11/25/14 12:55 PM
Joined: Sep 2013
Posts: 1,636
Florida Panhandle
J
JTapia Offline
8 point
JTapia  Offline
8 point
J
Joined: Sep 2013
Posts: 1,636
Florida Panhandle
Originally Posted By: hunterbuck
The reason for the discrepancy between what the hospital charges and what insurance pays is due to contracts. BCBS and other insurers work out deals with providers (hospitals, doctors, pharmacies, etc) that they will pay "x" amount for each procedure, and the provider agrees to accept "x" amount for that procedure. Works out good for the insurer because it's a lesser amount they'll have to pay. Works out good for the provider because they're assured of of getting paid the agreed upon amount on time.


THIS^^^^^^^

I have PET Scans every 6 months and the Bill is between $14,000.00 and $16,000,00 but BCBS pays just over $3000.00.
My cost is $50.00 unless I have already met my yearly out of pocket of $3000.00, then it is zero.
What puzzles me is why there are differing amounts charged to BCBS when, to my knowledge, they are all exactly the same PET Scan.


Hunt'em hard when they are hard to hunt but never, ever hardly hunt!
Re: Medical bill ! [Re: longbow] #1163185
11/25/14 01:22 PM
11/25/14 01:22 PM
Joined: Aug 2002
Posts: 5,727
Lower AL
K
k bush Offline
12 point
k bush  Offline
12 point
K
Joined: Aug 2002
Posts: 5,727
Lower AL
Originally Posted By: longbow
My youngest son ( 18 ) tripped over a disc and cut his pinky finger , went to Grovehill emergency and received 4 stitches . The bill came to the house today $ 1029 billed to BCBS and they payed $650 the hospital wrote off the rest I guess . I don't know how they can justify this cost ? $ 250 per stitch and a numbing shot . Obama care at it's finest

Rant over !


I have no affiliation with the hospital here, but if you feel you have been ripped off just wrap some duct tape on it and take your azz back home. You may also want to try the deer hunting in Fairhope, I hear it's real nice.


"Cull" is just another four letter word...
Re: Medical bill ! [Re: hunterbuck] #1163200
11/25/14 01:34 PM
11/25/14 01:34 PM
Joined: Oct 2013
Posts: 3,229
Semmes, AL
HippieKiller Offline
10 point
HippieKiller  Offline
10 point
Joined: Oct 2013
Posts: 3,229
Semmes, AL
Originally Posted By: hunterbuck
The reason for the discrepancy between what the hospital charges and what insurance pays is due to contracts. BCBS and other insurers work out deals with providers (hospitals, doctors, pharmacies, etc) that they will pay "x" amount for each procedure, and the provider agrees to accept "x" amount for that procedure. Works out good for the insurer because it's a lesser amount they'll have to pay. Works out good for the provider because they're assured of of getting paid the agreed upon amount on time.


The problem is, especially in Alabama, it is about as "win/win" as having the mob offer your business "protection." I've been managing a medical collection agency for about 13 years and here is what I see every day...

Alabama’s largest insurer is BCBS of AL. If you are NOT a BCBS participating provider, you better be doing relatively cheap procedures that you can collect in cash (such as Urgent Care facilities) or be a primarily Medicaid/Medicare clinic. If you don’t fit into one of those niches, you won’t be around too long.

So, once you admit that you are at the mercy of BCBS pricing, you have to adjust your charges higher to get back the return that you need/expect to continue operations. That means the procedure that you once did for $100 must now be a $333 procedure for the doctor to make the same $100 (assuming BCBS will pay you 30% of the bill). While this means nothing to the guy with BCBS, it means an additional $233 to the poor sucker who didn’t have insurance.

And guess what? That additional $233 takes a lot of people out of the “able to pay” category and pushes them into the pit of “unable to pay”… increasing the number of people who don’t pay… which makes the medical provider have to raise their prices again to make up that difference… which causes more people to not be able to pay… and so on.


"The tree of liberty must be refreshed from time to time with the blood of patriots and tyrants." - Thomas Jefferson

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