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The ER charged him $6,589.77 for 6 stitches, cost that led his wife to avoid ER

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Re: The ER charged him $6,589.77 for 6 stitches, cost that led his wife to avoid ER

#231
Similar-ish story

I'm in the US.

* I paid $20 K out of pocket for a surgery that my insurance would not cover.

* A few weeks after surgery, I developed a complication that left me in HORRIFIC pain several hours / day.

* Almost immediately after development of complication, I got ANOTHER $20 K bill from the hospital.

* I read the fine print on my contract, "HOLY SHIT. THEY CAN DO THIS????"

* Meanwhile, horrific pain persists, day after day.

* Wife says, "You need to go to ER."

* Me: "NO WAY. You wanna get hit with ANOTHER $20K bill because I developed a complication due to a procedure that the insurance refused to cover from the get-go? I'll ride this out."

* Horrific pain persists. I cancel a lot of my work.

* A few weeks later, I have a follow-up visit with surgical group.

* I tell surgical group, "I got this $20 K bill ON TOP of the $20K I already paid."

* Surgical group: "Oh. That's a billing error."

* I explain very s-l-o-w-l-y that I did not deal with my horrific pain for WEEKS as a direct result of receiving an erroneous bill and that there may be a lawsuit coming someone's way.

* 15 minutes after leaving my follow-up visit, I got 3 phone calls from hospital admins and surgeon expressing profound regret for the error and assurances that the bill was "gone."

If I could leave the US, I would for this simple reason.

Re: The ER charged him $6,589.77 for 6 stitches, cost that led his wife to avoid ER

#232
American emergency care is the exact opposite of a "free market". In a free market, you get to shop around, compare prices and most importantly, there is a supply and demand curve where if prices rise too much, you can choose not to consume the product. Works great with potato chips, not so much with bleeding wounds.

If I'm 'forced' to go to the nearest hospital because I may die if I don't, then that hospital should be 'forced' to bill me a fair rate. You can't have free market billing but captured service demand. They do the same with utility pricing - the power company can't decide to 10x the cost of a KW (sorry Texas), so the same should be for medical bills (especially emergency care).

We've 'socialized' firefighting, policing and the defense of our country. Why haven't we done the same with health care? I dunno, maybe not enough Americans have visited Europe or Canada and seen the liberating power of free health care.

Re: The ER charged him $6,589.77 for 6 stitches, cost that led his wife to avoid ER

#233
post #125

Earlier quoted context omitted.

Free market works fine, unfortunately like tuition prices the government got involved and prevented what the free market is good at and driving down prices. Fortunately now there a new price transparency laws which the full the effects haven’t been felt yet and are a step in the right direction.

When free market doesn't work, free market advocates have their solution : there wasn't enough free market, so we need MORE free market.

[deleted]

Re: The ER charged him $6,589.77 for 6 stitches, cost that led his wife to avoid ER

#234
I don't get this. I live in Kerala, India. And for most things that doesn't involve a surgery, I can visit a government hospital nearby and it would cost me absolutely nothing. The medicines are free. Vaccines, TT shots and injections are free.

And yeah, stiches are definitely free.

Re: The ER charged him $6,589.77 for 6 stitches, cost that led his wife to avoid ER

#235
post #18

My daughter here in France had a bike accident two months ago which requires 14 stitches in her foot. We received 3 follow-up visits from nurses to clean and redress her wounds -- We pay about 100€ a month for supplemental private insurance on top of the public health insurance here -- Total cost for us? about 40€. We would have had to pay about 100€ more for the nurses' visits, but the mutuelle covered it. These are…

1) you’re right that social programs in EU is great but there’s a hidden cost. It’s all derived from centuries of imperialism/colonialism and the wealth accrued as a direct result. You’re effectively reaping the benefit (and this will likely persist for centuries more).

2) similarly, most drug developments and research are done in the US. EU is effectively leeching off of the US policies. I’d say even Japan by itself contributes more to that end, per capita and in aggregate, than EU as a whole.

3) whenever people marvel at quality of life in countries such as Denmark, Sweden, etc, you have to ask yourself how they got there. None of that is free and other people are indirectly paying for those privileges. In most cases, it’s third world countries that Europeans pillaged for centuries. And in modern times, it’s on the backs of American taxpayers and soldiers who fought to save EU on multiple occasions from their own selfish and inept policies.

Re: The ER charged him $6,589.77 for 6 stitches, cost that led his wife to avoid ER

#236

Earlier quoted context omitted.

Free market works fine, unfortunately like tuition prices the government got involved and prevented what the free market is good at and driving down prices. Fortunately now there a new price transparency laws which the full the effects haven’t been felt yet and are a step in the right direction.

When I got my tonsils removed my options were the $75k surgery at the private hospital, or waiting 3 months at the public hospital. I actually stopped consulting and took a job so that I could get insurance, and had the surgery two weeks later. A few years back I broke my wrist while bicycling across England. I was patched up and casted a few hours later, I think the bill was about $200, as a foreign tourist. It wasn…

Weren’t your tonsils a pre-existing condition? How did the new insurance cover it?

Re: The ER charged him $6,589.77 for 6 stitches, cost that led his wife to avoid ER

#237
post #195

Earlier quoted context omitted.

This seems poignant. The cost/benefit analysis does not seem to be aligned with the market. I suspect it’s driven purely by lack of qualified practitioners.

It's not. Physician reimbursement has been going down year over year since the late 90s. Each unit of physician work (relative value units, RVUs) is worth 50% of what it was in 1998 for Medicare at least, and most insurers peg their reimbursement at a specific multiple of the Medicare rate. Sorry, the insurance companies, PBMs, and hospital administration is to blame for the high cost of care, not the physicians who…

Medicare and Medicaid are at best 50% of reimbursable amounts in most sub industries.

Also, while $/CPT code can go down, you can see more patients/day or alter your staffing ratios and other operating metrics to more than compensate.

Healthcare has some of the most "woo woo" hand wave-ey financial metrics around. Do a private equity quality asseatment on quality of earnings on "gross earnings" in most health care settings. Other than the Enron consolidations there can't be a more bullshit financial metric (heck entire area) under US GAAP than gross earnings. With that level of obfuscation (purposefull or not) it's no wonder you have almost full opacity into the cost chain.

Re: The ER charged him $6,589.77 for 6 stitches, cost that led his wife to avoid ER

#238
post #109

One day, probably not very soon, Americans will learn that universal healthcare is freedom.

I'm not going to hold my breath. We seem to feel very clever for believing that any system will be made worse by government involvement. People are unironically worried that Biden will usher in an era of socialism. It's too stupid to make up.

Re: The ER charged him $6,589.77 for 6 stitches, cost that led his wife to avoid ER

#239
I was charged 10,000 for rabies shots administered in the ER despite calling and getting pre-authed. Their billing dept fat-fingered my insurance companies address. Yes, that was the unique identifier - a physical address. I had to fix it myself.

Unrelated but I was also audited a similar amount due to clerical error by robinhood + irs. Unnecessarily complicated laws designed to screw 99% of us are working.

Re: The ER charged him $6,589.77 for 6 stitches, cost that led his wife to avoid ER

#240

Most of the time I restrict myself from this kind of comments, but here is what experience is typically like in Russia. You are sick or even probably sick, like biten by tick and worry about it is infectious. You go to the neatest hospital, local ER, register yourself (no documents needed). Any time of day. You get triaged immediately, if your situation is not life-threatening, there is a queue. Waiting times are any…

>In Moscow, treatment is world-class. Is this true in the public system as well? I'm asking since in Romania the public hospitals are still more miss than hit, even in big cities. Hospital managers are politically appointed leading to terrible corruption and inefficiencies, meaning waiting times can be pretty long so the doctors who work there refer you to their private practices, and while conditions on the surface…

Yes, in Moscow public medicine gets better every year. If you want to be operated, an MRI, or some expensive procedure, waiting queue might be quite a bit longer than that in commercial sector.

Military-serving hospitals are particularly good. There are certain cases of narrow specialists, where commercial medicine is actually worse than that is found in high-prestige public institutions.

I am speaking of Moscow and maybe few other big cities.

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