Medical Insurance

On 18 December I went to the emergency room. I was pretty sick. I could not speak, could not swallow, was having a very difficult time breathing. I ended up having Strep. I was there maybe 3 hours, got 4 or 5 medications, and was sent on my way. Today I got the bill.

The hospital billed my insurance $3798. Of that, my insurance wrote off $2318, about 60%. Right there is the primary benefit of insurance. They make deals with hospitals to pay about what they think services are worth, or that is how I think it is supposed to work. If the hospital and insurance agree that the service is actually worth about 60% less than what the hospital charges, why do they charge 60% more? Is it really to cover those who just won’t or can’t pay? Of the $1480 left over, insurance paid $1104 and left me to pay $376. Seriously, how do people survive without insurance? Is there really no better way?

Ok, really going to bed now.

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