Long story short, healthcare and insurance costs are insane for most people. While you try and pick the best plan, it’s impossible to know exactly what’s going to happen in the future or what you’ll be forced to pay. It seems like “deductible” is just another word for “thing you’ll never meet which means you’re totally out-of-pocket.”
Just ask Matt Anderson, a college student who cut his finger on a knife while doing dishes.
He had recently used the same knife to cut raw meat, so his roommate, a biology major, suggested that he go to the emergency room to make sure Andersons finger didn’tget infected.
He arrived at the emergency room of Chestnut Hill Hospital in Philadelphia, Pennsylvania around 11:00 PM.
Just after midnight a nurse cleaned the wound, a doctor came by later and applied liquid stitches, and Matt headed home at 1:00 AM.
I saw a nurse for maybe five to tenminutes and a doctor for maybe five minutes tops, he said.
Given that he was only given liquid stitches and a bandage, you would think the bill would be minimal, but you would be wrong.
When the bill arrived a few weeks later, it read a staggering $2,782.
Insurance didn’t cover it because Matt’s family has a plan with a $4,000 deductible per person. That means that his family is responsible for the full amount of the bill.
Matt’s father is trying to negotiate a lower price, so the bill has since gone into collections while they wait it out.
My son is nineteen, hes trying to do everything right and build his credit, and now Im worried this will go against [him], said Todd Anderson, his father. He still feels very guilty right now. He told me he has twenty-fivemeals on his card for the semester, and maybe he could use those to get some money to pay for it.
Why was the bill so high?
It includes a $704 facility fee, which is the cost of walking into the hospital for treatment.
There’s also a $873 charge which was billed twice, because Matt’s visit technically took place over two days. Even though Matt was only in the hospital for two hours, he’s being charged for the 11:00 PM hour of one day, and the hour between midnight and 1:00 AM of the next day.
Read more: http://twentytwowords.com/what-this-college-student-was-charged-for-a-15-minute-er-visit-will-enrage-you/