20 yr olds Medical bill...viral of the day

20 yr olds Medical bill...viral of the day (Full Version)

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Lucylastic -> 20 yr olds Medical bill...viral of the day (12/31/2013 7:34:02 AM)
http://www.viralnova.com/hospital-bill/ A 20 year-old man came down with appendicitis in October of this year. He posted the bill on Reddit and it has gone viral. The US Health Care system is a topic of much debate, not only in the US but around the world. A lot of countries get ‘free’ health care, so needless to say, this has stirred up a lot of conversation. As if waking up in excruciating pain isn’t enough, this is the bill he received in the mail a couple months later. Take a look: The original cost was over $55,000. Because the 20 year-old man was on his father’s insurance, the cost was lowered to $11,000. There are pictures here as well, http://imgur.com/a/WIfeN the reddit site http://www.reddit.com/user/zcypher Im so glad I dont need my kids on my insurance, or that they would have to pay a bill like that. Think its going "viral" cos its aimed at young adults?? nah couldnt be....

tj444 -> RE: 20 yr olds Medical bill...viral of the day (12/31/2013 7:39:19 AM)
people need to use Medibid.com and get those doctors/hospitals to bid on medical treatment.. I have not used this site but they say that patients can pay as little as half what Blue Cross pays for treatments/surgery.. of course in an emergency situation that is not possible but then you need someone like.. "a company called Medical Billing Advocates, which is in the business of disputing outrageous hospital bills." I am sure this company isn't the only one that does this sorta thing.. or a person can just bend over and take it.. (which is obviously what most do!)..

DesideriScuri -> RE: 20 yr olds Medical bill...viral of the day (12/31/2013 8:58:52 AM)
quote: ORIGINAL: Lucylastic http://www.viralnova.com/hospital-bill/ A 20 year-old man came down with appendicitis in October of this year. He posted the bill on Reddit and it has gone viral. The US Health Care system is a topic of much debate, not only in the US but around the world. A lot of countries get ‘free’ health care, so needless to say, this has stirred up a lot of conversation. As if waking up in excruciating pain isn’t enough, this is the bill he received in the mail a couple months later. Take a look: The original cost was over $55,000. Because the 20 year-old man was on his father’s insurance, the cost was lowered to $11,000. There are pictures here as well, http://imgur.com/a/WIfeN the reddit site http://www.reddit.com/user/zcypher Im so glad I dont need my kids on my insurance, or that they would have to pay a bill like that. Think its going "viral" cos its aimed at young adults?? nah couldnt be.... OMG!! An 80% savings because he was insured?!? That's awesome!!! Then again, one has to wonder what that bill would have been in, say, Germany, or another area. And, I'm not talking about the cost to the consumer, but the cost to the financier. I didn't see any listing of what the "negotiated costs" were. There is the cost of the service, the cost the insurance company negotiates with the provider, and then there is the covered amount. It doesn't look like there is a breakdown of cost and negotiated cost, unless the "Allowance Insurance C/A" is the negotiated cost. Aetna paid roughly $6500, and the patient is on the hook for $11000. It's entirely possible that the insured hasn't met the deductible limit yet, which would drive up the patient's portion of the bill, too. It could be that the insured has met the deductible, and that after the deductible, it's 80/20, but if the "negotiated cost" is included in the 80% the insurance company is covering, that's a scam, imo.

mnottertail -> RE: 20 yr olds Medical bill...viral of the day (12/31/2013 9:11:43 AM)
cost in germany appears to be $3000 to the financier.

Lucylastic -> RE: 20 yr olds Medical bill...viral of the day (12/31/2013 5:09:28 PM)
quote: ORIGINAL: DesideriScuri quote: ORIGINAL: Lucylastic http://www.viralnova.com/hospital-bill/ A 20 year-old man came down with appendicitis in October of this year. He posted the bill on Reddit and it has gone viral. The US Health Care system is a topic of much debate, not only in the US but around the world. A lot of countries get ‘free’ health care, so needless to say, this has stirred up a lot of conversation. As if waking up in excruciating pain isn’t enough, this is the bill he received in the mail a couple months later. Take a look: The original cost was over $55,000. Because the 20 year-old man was on his father’s insurance, the cost was lowered to $11,000. There are pictures here as well, http://imgur.com/a/WIfeN the reddit site http://www.reddit.com/user/zcypher Im so glad I dont need my kids on my insurance, or that they would have to pay a bill like that. Think its going "viral" cos its aimed at young adults?? nah couldnt be.... OMG!! An 80% savings because he was insured?!? That's awesome!!! Then again, one has to wonder what that bill would have been in, say, Germany, or another area. And, I'm not talking about the cost to the consumer, but the cost to the financier. I didn't see any listing of what the "negotiated costs" were. There is the cost of the service, the cost the insurance company negotiates with the provider, and then there is the covered amount. It doesn't look like there is a breakdown of cost and negotiated cost, unless the "Allowance Insurance C/A" is the negotiated cost. Aetna paid roughly $6500, and the patient is on the hook for $11000. It's entirely possible that the insured hasn't met the deductible limit yet, which would drive up the patient's portion of the bill, too. It could be that the insured has met the deductible, and that after the deductible, it's 80/20, but if the "negotiated cost" is included in the 80% the insurance company is covering, that's a scam, imo. I looked for a case in the UK and came up with this... Results Fifty laparoscopic appendicectomies were performed. Median operative time was 60 min. The median total operative cost of laparoscopic appendicectomy was £906. Median equipment cost for laparoscopically completed cases was £254. Median total in-patient cost was £1617 (range, £880–£3360). This compared with a mean re-imbursement of £1981 representing a cost benefit of £233 per case (P = 0.0009). 24 of the patients were male and 26 were female. Median age was 30 years. Forty-six (92%) of the procedures were completed laparoscopically, with four (8%) requiring conversion to an open procedure. Median operative time was 60 min. Median operative time for laparoscopically completed procedures was 59 min, and for laparoscopic conversions was 101 min. Median total hospital stay was 3 days (range, 1–10 days). No patients required a high dependency or intensive care bed. Theatre costs were calculated based on a rate of £400 per hour. Surgical ward costs were £220 per night. Table 1 and Figure 1 show a breakdown of the costs. Median equipment cost for laparoscopically completed cases was £261 (range, £138–£451). Equipment costs comprised 29.0% of total operative costs. The mean total in-patient cost of £1765 represented a mean cost benefit of £215 per case compared with the mean re-imbursement of £1981. This difference was significant at the 1% level using both Student's t-test (P = 0.002) and bootstrap analysis (P = 0.007). Corresponding 99% confidence intervals were £36–£395 and £115–£540. The distribution of cost benefit is illustrated in Figure 2. more....http://www.ncbi.nlm.nih.gov/pmc/articles/PMC2966171/

Lucylastic -> RE: 20 yr olds Medical bill...viral of the day (12/31/2013 5:10:30 PM)
The latest data from the International Federation of Health Plans shows that an appendectomy costs $27,797 in America. This is in the 95th percentile of commercial costs for the surgery. The U.S. average for the procedure is $13,003. The U.S. “commercial low” is $7,756. But who wants to be the patient who gets the cheapest surgery? The comparable cost of the same surgery in Germany is $3,093. There is no evidence that German patients get worse results. All that can be said from the research is that the costs in the U.S. are much, much higher. Read more: The $28,000 Appendectomy - 24/7 Wall St. http://247wallst.com/healthcare-economy/2012/03/05/the-28000-appendectomy/#ixzz2p6Yl80KO Follow us: @247wallst on Twitter \| 247wallst on Facebook

jlf1961 -> RE: 20 yr olds Medical bill...viral of the day (12/31/2013 6:21:32 PM)
Gee I had an ablation to remove a cancerous tumor in my kidney at one of the top hospitals in the state, and it only came to a total of $19,436.90.

MistressDarkArt -> RE: 20 yr olds Medical bill...viral of the day (12/31/2013 6:58:14 PM)
quote: ORIGINAL: tj444 or a person can just bend over and take it.. (which is obviously what most do!).. Or offer the hospital what they can afford to settle the bill right then, or give billing the choice of making a good faith payment of $10 a month for the rest of their natural life. [8D] This is what I did when I needed the blood transfusion. They took what I offered, and it was closer to a third of the bill. Done. [8D]

Politesub53 -> RE: 20 yr olds Medical bill...viral of the day (1/1/2014 3:57:43 AM)
quote: ORIGINAL: DesideriScuri OMG!! An 80% savings because he was insured?!? That's awesome!!! Then again, one has to wonder what that bill would have been in, say, Germany, or another area. And, I'm not talking about the cost to the consumer, but the cost to the financier. I didn't see any listing of what the "negotiated costs" were. There is the cost of the service, the cost the insurance company negotiates with the provider, and then there is the covered amount. It doesn't look like there is a breakdown of cost and negotiated cost, unless the "Allowance Insurance C/A" is the negotiated cost. Aetna paid roughly $6500, and the patient is on the hook for $11000. It's entirely possible that the insured hasn't met the deductible limit yet, which would drive up the patient's portion of the bill, too. It could be that the insured has met the deductible, and that after the deductible, it's 80/20, but if the "negotiated cost" is included in the 80% the insurance company is covering, that's a scam, imo. I have bolded another bullshit red herring, the whole debate IS about costs to the CONSUMER. i digress though, since you wanted to compare costs. In the UK it would cost around £2,300 on the NHS or £3,400 via Insurance and private treatment. That works out to about $55,000 Stateside...........lmfao Some of you need to quit bashing Obama, blame the real culprits for high costs, Wake up and smell the fucking coffee. Source for UK costs. http://www.dailymail.co.uk/health/article-72012/Me-operation-appendix.html

MrRodgers -> RE: 20 yr olds Medical bill...viral of the day (1/1/2014 4:56:46 AM)
Well they need that $38 for a single Tylenol and $400 for the mattress and...and $150/ea for 18 blood tests in 30 days. The whole western culture is about money which is all a racket. Mankind lived in abundance until the Sumerians invented money...6000 years ago. In the US, life is all about the fucking money, was $1500 for H & S MRI now $2500 approx. Japan $100. Prices, Drs, pay and malpractice...all regulated. It's that simple.

MsMJAY -> RE: 20 yr olds Medical bill...viral of the day (1/1/2014 5:00:35 AM)
A dear friend and co-worker of mine had a college aged son get cancer a few years ago. He and his wife ended up losing everything they had and filing bankruptcy from the medical bills they accumulated trying to save their son's life. These were hard working people who were both veterans of the US military. I felt so bad for them. The only plus side is that their son beat cancer and is alive and healthy today. Medical bills are the biggest cause of bankruptcy in the US. Often even with insurance the remaining costs are too high for some people to shoulder. I am hoping that with the ACA and maybe some future legislation this trend can change.

PeonForHer -> RE: 20 yr olds Medical bill...viral of the day (1/1/2014 5:19:50 AM)
FR God. Whenever I read threads about medical costs in the USA, I always wonder how often Americans might think, 'To hell with it. I'll perform my own surgery'.

DesideriScuri -> RE: 20 yr olds Medical bill...viral of the day (1/1/2014 3:50:01 PM)
quote: ORIGINAL: Politesub53 quote: ORIGINAL: DesideriScuri OMG!! An 80% savings because he was insured?!? That's awesome!!! Then again, one has to wonder what that bill would have been in, say, Germany, or another area. And, I'm not talking about the cost to the consumer, but the cost to the financier. I didn't see any listing of what the "negotiated costs" were. There is the cost of the service, the cost the insurance company negotiates with the provider, and then there is the covered amount. It doesn't look like there is a breakdown of cost and negotiated cost, unless the "Allowance Insurance C/A" is the negotiated cost. Aetna paid roughly $6500, and the patient is on the hook for $11000. It's entirely possible that the insured hasn't met the deductible limit yet, which would drive up the patient's portion of the bill, too. It could be that the insured has met the deductible, and that after the deductible, it's 80/20, but if the "negotiated cost" is included in the 80% the insurance company is covering, that's a scam, imo. I have bolded another bullshit red herring, the whole debate IS about costs to the CONSUMER. i digress though, since you wanted to compare costs. In the UK it would cost around £2,300 on the NHS or £3,400 via Insurance and private treatment. That works out to about $55,000 Stateside...........lmfao Some of you need to quit bashing Obama, blame the real culprits for high costs, Wake up and smell the fucking coffee. Source for UK costs. http://www.dailymail.co.uk/health/article-72012/Me-operation-appendix.html Not a red herring at all, Polite. My argument is that medical costs in the US are too high. That isn't about who is paying for it, as it's too high when government pays for it, insurance pays for it, or the patient pays for it. Nowhere in my post was Obama mentioned, let alone blamed for the high costs. If the cost of procedures and services in the US were 50% lower, more people could afford care, and/or insurance themselves. And, you do understand, do you not, that whatever government pays, is coming from the taxpayers, who likely include the consumer, right?

DesideriScuri -> RE: 20 yr olds Medical bill...viral of the day (1/1/2014 3:51:16 PM)
quote: ORIGINAL: PeonForHer FR God. Whenever I read threads about medical costs in the USA, I always wonder how often Americans might think, 'To hell with it. I'll perform my own surgery'. We aren't certified, so we'd likely be put in jail for attempting it. [8D]

Dvr22999874 -> RE: 20 yr olds Medical bill...viral of the day (1/1/2014 4:22:04 PM)
Like suicide used to be illegal in England. I often wonder how those cases ever got prosecuted or how the defendant was ever brought to trial !!

Politesub53 -> RE: 20 yr olds Medical bill...viral of the day (1/1/2014 4:38:30 PM)
quote: ORIGINAL: DesideriScuri And, you do understand, do you not, that whatever government pays, is coming from the taxpayers, who likely include the consumer, right? I understand all too well that the taxpayers pay, here is what you cant or wont grasp. We dont give a fuck, at least the majority dont, because everybody benefits INCLUDING those who cant pay. Your point about US costs being too high is correct, although costs differ wildly between hospitals. Those of you who support your system, and less government intervention (IE Cost regulation or a proper NHS) have no room to complain. You have got your wish, warts and all.

Politesub53 -> RE: 20 yr olds Medical bill...viral of the day (1/1/2014 4:44:31 PM)
quote: ORIGINAL: Dvr22999874 Like suicide used to be illegal in England. I often wonder how those cases ever got prosecuted or how the defendant was ever brought to trial !! You can blame the Church for that particular law, it dated from the 1300s. It was repealed around 1960 but assisting someone to attempt or commit suicide is still illegal, although even that is being revised for certain cases.

DesideriScuri -> RE: 20 yr olds Medical bill...viral of the day (1/2/2014 4:43:31 AM)
quote: ORIGINAL: Politesub53 quote: ORIGINAL: DesideriScuri And, you do understand, do you not, that whatever government pays, is coming from the taxpayers, who likely include the consumer, right? I understand all too well that the taxpayers pay, here is what you cant or wont grasp. We dont give a fuck, at least the majority dont, because everybody benefits INCLUDING those who cant pay. Your point about US costs being too high is correct, although costs differ wildly between hospitals. Those of you who support your system, and less government intervention (IE Cost regulation or a proper NHS) have no room to complain. You have got your wish, warts and all. Horseshit. If you don't give a fuck, then what's got you worked up here? If the cost of medical care is lower, there will be fewer who can't pay, and those who can't pay will still benefit. Charity will have a bigger impact if medical care costs are lower, too, won't it? Everyone will benefit with a lower cost of medical care, regardless of what payment methods are used. You can't grasp that my point wasn't in support of any payment plan, but aimed solely at the costs. Would you have the right to complain that the cost of medical care was too high in the UK, if costs were the same as in the US, but you still had the NHS system? Of course you would. From all the graphs I've seen, it sure looks as if those with national health care systems have had lower rates of cost inflation. That's great. But, that's not going to solve the problem of high care costs in the US. If the only thing it's going to do is reduce cost inflation, we'll always be spending more than national systems anyway. I have seen no proof, and no one has been able to show any, that costs in the US will drop if we adopt a national system. That your costs are lower isn't proof that ours will drop, as your costs are lower because you've had lower cost inflation since inception. If you have proof otherwise, post it, and I'll take it into account. This is not the first time I've asked P&R for this, either.

EventideFortuna -> RE: 20 yr olds Medical bill...viral of the day (1/2/2014 5:10:17 AM)
FR, You also have less lawsuits which is why medical care costs what it does. At some hospitals the cost of medical malpractice insurance per surgeon (that they pay out of pocket) is around 1.6 million dollars, So doctors have to charge more because some idiot sued because his scar was 3mm longer then the dr said. If less medical malpractice suits were filed for trivial bullshit, the cost of that insurance would go down along with healthcare. On my insurance the procedure listed above would be 17k, and id be responsible for about 300 dollars. On my mothers insurance it would be about 29k, and shed have to pay 4500.

calamitysandra -> RE: 20 yr olds Medical bill...viral of the day (1/2/2014 11:55:27 AM)
quote: ORIGINAL: DesideriScuri ... Then again, one has to wonder what that bill would have been in, say, Germany, or another area. And, I'm not talking about the cost to the consumer, but the cost to the financier. ... I did some searching, and an appendectomy, including a 3 day hospital stay works out to something between 2000 and 3000 Euro in Germany.

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