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High Prices

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Toogoofy317 non-obstructed hcm, AICD 11-01-02 and 10-6-05 Find out more about Toogoofy317
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  • High Prices

    Okay. So I totally agree that seeing a specialist is a high priority and one I took. I love Marty Maron to death he is my favorite in the whole world.

    With that aside I just got the bill today. I hope there is an error! I was charged $3,051 for the consult! Not to mention the stress test! It was 1,032 to be watched for seven minutes on a treadmill? Thats what my heart felt like doing!

    So lets do the math here! 3051 for 45 minutes. That makes the hourly rate of pay to be 4068 dollars an hour. And here I am going to nursing . I'm chaning my Major right now! Cardiology here I come

    Just some comical venting for the day!

    Mary S.

  • #2
    Re: High Prices

    How did you get off so cheap? My visit was much higher than that
    "Some days you're the dog... some days you're the hydrant."

    Comment


    • #3
      Re: High Prices

      Originally posted by mtlieb
      How did you get off so cheap? My visit was much higher than that
      Maybe Mary's cuter than you? Just kidding.

      Reenie
      Reenie

      ****************
      Husband has HCM.
      3 kids - ages 23, 21, & 19. All presently clear of HCM.

      Comment


      • #4
        Re: High Prices

        Don't get cocky now, Miss Fancy Pants 'Essential Contributor'.
        "Some days you're the dog... some days you're the hydrant."

        Comment


        • #5
          Re: High Prices

          I'd be surprised if the doctors even knew what bills were being sent out. I think the hospital is responsible for setting the fees, billing and collecting. If they're reading the message board today, they know now . They're probably digging around for their last pay stub, wondering, scratching their heads..... Linda

          Comment


          • #6
            Re: High Prices

            Linda... i do believe you are right!

            It is likely that the doctors themselves have absolutely no idea what is being billed. Dr. Maron's probably counting up his foodstamps even as we speak trying to figure out where he's been shortchanged

            When i made the pilgrimage to Boston, I had a heck of a time trying to get an estimate out of anyone beforehand... which was important since i didn't have insurance and was borrowing the cash from my family. Even the billing department couldn't give me a ballpark figure. For the love of god, one would think they've had enough people through the HCM clinic now to at least know basically what the initial visit is going to cost?

            Oh well, the estimate they finally did come up with was only off by about three thousand dollars. LOL. I think the NEMC has already spent that much in postage telling me that if i don't pay my bill soon they're going to come here and give me a big wedgie.

            I sometimes think the financial burden of HCM is just as frustrating as the HCM itself... and i'm glad we can all joke about this as well from time to time.

            By the way, in case you hadn't noticed from my posts... i am feeling much much better lately. Basically this was acheived by ignoring my doctor's orders and adjusting my meds to my own liking. (Burton please don't yell at me... i'm having a really good day.)

            Take care all,

            Jim
            "Some days you're the dog... some days you're the hydrant."

            Comment


            • #7
              Re: High Prices

              Yeah, I know the docs don't know what the hospitals are charging us. It's not their fault.

              I just thought it would be a comedic way to vent! Being that that bill was about 2/3 my pay last year. I don't know how I'm gonna get out of debt. Even with insurance it is stressful.

              Mary S.

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              • #8
                Re: High Prices

                Hey Jim,
                I’m not going to yell at you. In fact, have another good day on me.

                By the way, I adjust my own medications as well – but I do so with the prior approval of the doc’s, or with much research. It is our lives after all and we get the penalties or benefits of our actions – as well as the Oops’s and Ah-Ha’s of the doctors.
                Burt

                Comment


                • #9
                  Re: High Prices

                  what I find interesting is how much of these bills insurance companies
                  actual pay. For felix's myectomy the bill came in at 50K. Aetna is paying
                  12K. we only paid 300$ deductable. NEMC is not complaining about
                  this to us at all. This is just on example. when felix when to see Dr
                  maron in December, once again they probably paid about 1/3 of
                  it. We paid 15$ deductable (plus travel costs)

                  it seems like dr/hospitals inflate their bills, insurance companies only
                  pay a so amount of them, and then the person without insurance ends
                  up paying the most. it sucks, but I dont have any solutions. I am so
                  grateful for insurance.

                  sandy
                  Fx

                  Comment


                  • #10
                    Re: High Prices

                    Hi Mary,
                    I know about the charges Hospital’s levee. Go on a treadmill you not only pay for it in full, you pay for the room rent, the electricity, the maintenance staff and supplies, the cleaning crew and supplies, the heating / air conditioning, the nurses salary for the day, and if the doctor doesn’t bill separately, his salary for the day also. Oh yes, let’s not forget the hospital administration staff, the supervisory staff, the billing staff, lawyer’s retainers, insurance fees and those good old “miscellaneous” charges. If they inject anything you have the phlebotomist’s costs for the day, the lab costs for the day, the medication at outrageous prices to cover storage, handling and shipping charges. You’re lucky you didn’t wind up in debtors prison – but of course then the state would have to pick up the charges.

                    After college it takes about three years to become a doctor, and over a month for him to recoup his costs from his billings. If he has to equip and staff his own office there goes another three months of earnings. I don’t know how the poor doctors can survive.

                    If I may wax serious for a moment, the way most juries award damages – like ten or more times the persons earning potential for the rest of their lives – it’s no wonder doctors are closing up their practices. In Nevada the insurance rates are so high many doctors are fleeing the state. If a woman becomes pregnant and doesn’t have a long standing association with her OB/GYN she has to leave the state to get medical assistance for the delivery. If she goes into labor before leaving the state, she’s just SOL. There’s always the friendly cop or firemen, or if she’s lucky the Paramedics – if they get to her in time. In this scenario complications are really complications.

                    I would love to see appropriate awards given for claims, and doctors rated on the number of successful suits brought against them, with their insurance premiums adjusted accordingly. I think this would go a long way in getting rid of the butchers while rewarding the good doctors. Much like the insurance companies now do with drivers.

                    OK, I’ll put my drum away now and wish you all an exceptional day.
                    Burt

                    Comment


                    • #11
                      Re: High Prices

                      It is all a big game. The caregiver (doctor, hospital, radiologist, whatever) bills at least double what they want so they can then discount it by that percentage per their contracts with the insurance company.

                      (You should have an out-of-pocket cap on your health insurance so you never pay more than 2,3 or 5 K a year---I paid $2,000 of a 70,000 dollar bill in 2000.)

                      If you are self-pay you MUST tell them and they will usually give you a big discount. My brother has done this and gotten his echos knocked down from 1,000 to 400 dollars.

                      My two cents!

                      S

                      Comment


                      • #12
                        Re: High Prices

                        Most hospitals will give you a 20% discount if you're paying cash. I have yet to see more than that. NEMC only offers a 10% cash discount (the big meanies). It's a crime really... the people who can least afford a large medical bill (the ones without insurance), are the people who get hit with the hardest.
                        "Some days you're the dog... some days you're the hydrant."

                        Comment


                        • #13
                          Re: High Prices

                          Well i got a whopping bill for eighty eight thousand dollars and about had a heart attack until i saw insurance pending and i only have to pay 865.00 dollars of that so i think that is great, believe me when i saw that bill i really thought i was getting a bill for a feww thousand myself hope everyone is having a great weekend

                          Shirley
                          Diagnosed 2003
                          Myectomy 2-23-2004
                          Husband: Ken
                          Son: John diagnosed 2004
                          Daughter: Janet (free of HCM)

                          Grandchildren: Drew 15,Aaron 13,Karen 9,Connor 9

                          Comment


                          • #14
                            Re: High Prices

                            If you remember I had seven hospital stays in 2003. The bills ran from 24K+ to 96K+ and once I was transported directly to an after care facility. My co-pay’s were $200 per hospital stay, $50 each for the emergency rooms and the ride with the paramedics. Since it was one occurrence, the transportation to, and the after care stay, were included in the hospital co-pay. Without that insurance today I would be a pauper.

                            Effective March first they dropped the co-pay for a hospital stay to $150, lowered the co-pay for doctor’s visits, and for me most of all, they lowered the cost of drugs from their pharmacy and removed the thousand dollar annual cap. This is a savings to my wife and me of thousands of dollars a year.

                            In today’s world I can’t see how anybody could survive without a medical insurance plan. The insurance companies survive because they have agreements with the providers and hospitals to only pay the insurance’s going rate, plus the insured’s co-pay. The providers can then bill anything over that amount, but know they won’t get it unless of course they happen to get an uninsured patient. Then they can bleed them dry.

                            Before I moved to California I worked for BCBS of Greater NY, heading the adjudication team developing a system to automatically calculate and pay medical claims. They follow a very, very complex set of rules to determine how much to pay, and the bill is only one small piece of the puzzle.
                            Burt

                            Comment


                            • #15
                              Re: High Prices

                              Back in college, I had a kidney stone and one of my doctor's bills was $500 which I did not have. Many months went by and I sent in a check for half of that with a letter explaining why I didn't have any money (living off of a student loan, working two jobs, etc.).

                              The front desk cashed the check but a couple months after that, I received a check from the doctor's office (I guess the letter finally got to my doctor). It came on the day I had been planning to ask my boyfriend for the money to buy my medication (which I had to pay for out of pocket back then) so it was literally a life-saver!

                              I've also had my cardiologist agree to see me for free or for $10 a visit when I didn't have insurance.

                              Always talk to your doctor if you know you need special help from time to time on paying the bills.

                              Take care,

                              S

                              Comment

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