I had my gall bladder taken out a couple of weeks ago.
Most of the bills have been about what I would call reasonable, except for the bill from the hospital.
This was a planned outpatient surgery, in which I was in and out in about 5 hours.
I received the bill from the hospital and it was $22,918.05. I have searched via Google and see that the costs range from $12k to $25k for the hospital bill. I understand that hospitals are expensive, but this is crazy.
Has anyone had this surgery recently? If so, how much was your hospital bill?
I will be calling the hospital and reviewing the bill, but am not sure what else I need to do. Insurance will cover all but $1500 of this bill, but I do not want my insurance company overcharged.
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RS4Rings
Back in Rehab
posted: Nov. 18, 2012 @ 7:06p
Don't waste your time, insurance company will not be overcharged. Does not matter what that bill to you says, they have negotiated prices for everything
JorgeBurrito
Category IV Economic Depression
posted: Nov. 18, 2012 @ 7:10p
Welcome to the US Healthcare system. We pay almost double what other first world nations pay and yet we rank in the high 30s for objective ratings of population health such as life expectancy and infant mortality.
Just thank god you have insurance and move on. The insurance company will take care of worrying about whether it is being ripped off or not (and in fact probably has very much set in stone prenegotiated rates with the hospital)
qcumber98
Pickled
posted: Nov. 18, 2012 @ 7:11p
Umm, we went over this in Finance many times. The hospital bills your insurance for everything they possibly can at ridiculously high prices. Your insurance company pays them "negotiated prices" so you end up paying less. The hospital will also try to bill for items after the billable period, which your insurance company will deny; you'll see what I mean later. You should call the hospital and ask for a discount. They are more than willing to give you 10% off because they want patients to pay their bills ASAP.
chocula
Handsome Member
posted: Nov. 18, 2012 @ 7:14p
My other thought was that if teh insurance company was charged less then my part would be less. Would be nice to pay less than $1500 out of my pocket.
RS4Rings
Back in Rehab
posted: Nov. 18, 2012 @ 7:20p
chocula said: Would be nice to pay less than $1500 out of my pocket. Well that aint happening, funny how you are worried about them paying to much but they don't give a fark about you
scrouds
Luddite
posted: Nov. 18, 2012 @ 8:04p
I would have done it for a six pack. Should have called me.
webferret
In the wrong thread.
posted: Nov. 18, 2012 @ 8:07p
chocula said: My other thought was that if teh insurance company was charged less then my part would be less. Would be nice to pay less than $1500 out of my pocket.
You still have to meet your deductible and out of pocket. So it doesnt matter what the hospital charges.
thumpergeek
Cranky Member
posted: Nov. 18, 2012 @ 10:49p
Welcome to the US, where healthcare is run like a crooked car repair shop. We pay the most of ANY country, receive sub par quality care, have lower life expectancies than other developed countries... Thank you capitalism.
burgerwars
just a salad for me
posted: Nov. 18, 2012 @ 11:11p
Yep, welcome to reality. That inflated bill is what the hospital will try to shaft you if you didn't have insurance. The.participating provider rate they collect from the insurance company will be a fraction of that. Even if you didn't have insurance they would settle with you for only a part of that. It's a scam.
iowahawkeye
Broke Member
posted: Nov. 19, 2012 @ 3:41a
wishing you a speedy recovery, chocula! ...all those bandage changes & follow-up dr. visits will soon be a over.
Nice link! I'll refer some patients to it...at least the ones who cant get a cost from their insurance companies.
However, the prices dont include an interoperative cholangiogram and radiology fees for that, if performed. Most Lapcholeys also do an IOC....just to make sure there isnt a hidden stone in the common bile duct.
moonbeam
Noo Yawk-We love tourists!
posted: Nov. 19, 2012 @ 9:24a
RS4Rings said: Don't waste your time, insurance company will not be overcharged. Does not matter what that bill to you says, they have negotiated prices for everything
I was in the ER recently. Hospital billed 4k+. Insurance paid $75.
handyguy
Senior Member - 10K
posted: Nov. 19, 2012 @ 11:02a
Pay cash it's often better than what you'd pay with your insurance. You just ask them what the cash price is.
moonbeam
Noo Yawk-We love tourists!
posted: Nov. 19, 2012 @ 4:58p
handyguy said: Pay cash it's often better than what you'd pay with your insurance. You just ask them what the cash price is.
Only if you have really crappy insurance. Like RS4Rings already pointed out, insurance companies have agreements that get them special rates far below the billed amount.
webferret
In the wrong thread.
posted: Nov. 19, 2012 @ 5:14p
moonbeam said: handyguy said: Pay cash it's often better than what you'd pay with your insurance. You just ask them what the cash price is.
Only if you have really crappy insurance. Like RS4Rings already pointed out, insurance companies have agreements that get them special rates far below the billed amount.
One of the little blurbs in the new healthcare act is that if you have insurance, everything has to be billed through them. You aren't allowed to pay cash anymore. It goes along with the electronic med records that the gov wants to become mandatory.
There are even some insurance companies requiring physicians and hospitals to only take insurance paying patients. They aren't allowed to take cash paying patients at all. One rep told me that this was also part of the new healthcare act. It keeps people from getting around NOT buying insurance since they are required, by law, to buy it.
I haven't done the research myself. This is based on what the Provider Relations reps are telling me. Whether or not they are just trying to scare us into conforming or they really don't understand themselves...or even that the information is correct...I just don't know.
Oh, and around here...contracted rates are on average 25-45% of the billed rates. Always look closely at your EOB from your insurance company.
sublimosa
Title Beggar~
posted: Nov. 19, 2012 @ 6:21p
hope you are healing nicely
SigX
~~Holdout~~
posted: Nov. 20, 2012 @ 1:46a
We have a family member that is an anethesiologist, there's one hospital that charges him $7K just to walk in the door.
Now if you were a bear, you could have sold your gall bladder in China and made money on the deal...
larrymoencurly
Why I oughta...
posted: Nov. 20, 2012 @ 1:47a
chocula said: I received the bill from the hospital and it was $22,918.05.
Insurance will cover all but $1500 of this bill, but I do not want my insurance company overcharged. Is your co-pay based on the $22,918.05 or on what the insurance company actually paid? Because locall there was a case where the insurance company made the customer pay almost $1,000 on a policy with 80% coverage, based on a $4,000 bill, despite the insurer's negotiated price with the hospital was just $1,000.
BitemeIamtoxic
Non-toxic
posted: Nov. 20, 2012 @ 1:53p
Whip out the second opinion that your gall bladder was healthy and get it free.
chocula
Handsome Member
posted: Nov. 21, 2012 @ 9:57p
Thanks for the advice and well wishes... I actually was up and going strong the day of surgery. I had little to no issues with the surgery. It was great. Don't tell my boss, but I could have gone back to work the Monday following the surgery, but some how I told my boss I was not up to coming in until the following Monday... Of course, I wprked all week at my house, so it was not like I had the week off.
webferret
In the wrong thread.
posted: Nov. 21, 2012 @ 11:10p
chocula said: Thanks for the advice and well wishes... I actually was up and going strong the day of surgery. I had little to no issues with the surgery. It was great. Don't tell my boss, but I could have gone back to work the Monday following the surgery, but some how I told my boss I was not up to coming in until the following Monday... Of course, I wprked all week at my house, so it was not like I had the week off.
Glad it went well for you. That week off gave you a chance to rest when you needed to...get everything back to normal after the anesthesia. You don't realize how much it takes out of you until you try to go back too soon.
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