this post was submitted on 28 Feb 2024
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[–] jaschen@lemm.ee 50 points 4 months ago (37 children)

I paid 1200 USD a month for a family of 3 for my health insurance to have the privilege of paying more a hospital bill.

I had to go to the ER because I slit my pinky on some glass and waited in the ER for 5 hours. They had to rip then dried blood and paper towel that was stuck on my finger because it took so long.

After all that, I had to pay 3000usd of my own money which didn't cover my minimum. Why DA FUCK DO I EVEN NEED INSURANCE!?!?!?

The fucking nurse on staff that came to help me for a few minutes was not within my network. Ya fuck that hospital too.

[–] SeaJ@lemm.ee 10 points 4 months ago* (last edited 4 months ago) (4 children)

My wife had to go to the ER and we went to a hospital that was in network. The hospital is indeed in network but the fucking ER is a separate entity and was not. I guess we should have been better informed consumers. /s

[–] Styxia@lemmy.world 9 points 4 months ago (1 children)

ER was in-network. The nurse and doctor was also in-network. The second nurse, who connected me to the ECG, and the person who read the ECG was not in-network. No way of knowing at the time. Balance billing was permitted in that state at that time, which out-of-network provider used to the full extent.

I’m still salty about that.

[–] nybble41@programming.dev 4 points 4 months ago (1 children)

That part is messed up. You shouldn't be dealing with individual contractors as a patient. All billing should go through the hospital, and be considered in-network provided the hospital is in-network, regardless of what kind of specialist sees you there. Any exception, such as bringing in someone who doesn't normally work there to treat a rare condition, should require separate and specific authorization from the patient in advance.

[–] Styxia@lemmy.world 1 points 4 months ago

Ridiculous isn’t it? I had my annual physical a few weeks back, which for me is filling an online form and having my blood pressure read and a few blood tests. $550, insurance pays for everything.

Well. Almost. Turns out 2 of my blood tests were not covered by some healthcare bill passed in 2007. $267. And the mole I asked to be checked, billing code wasn’t covered as standard checkup, and so that question was $240. Mole was benign, and surprisingly didn’t result in some convenience fee.

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