On October 15th I had a knee surgery to repair my meniscus. Today I went to my post op appointment and wanted to clear the bill with the surgeon. I had my surgery at a hospital which will have a separate bill. I got the bill for the surgery and it was about $6,500 minus insurance coverage. Fine. That checks out. I paid it in full and later called the hospital to get that bill. To my surprise the hospital cost was over $20,000. When I asked what the charges were for I could tell the lady didn't really know what she was talking about and just started saying things like, "Well the medication, ya know, the facility usage, the nurse to administer your pain meds, yada yada). So, what this means, is that the cost of my surgery itself is literally 1/4 the cost of the facility I had my surgery in...
I am just in awe and confused, I know we all hate on the health care system but what is going on here? I'm a young guy and tried to cover all my tracks before doing this surgery and no one can give me a clear explanation. Like, I'm so desperate I'm literally asking questions on Reddit. I asked probably 100 times to the point of annoying everyone if my insurance would cover this and if someone could give me a general idea of what I will be expected to pay. NO ONE could give me an idea. They would stumble over words trying to tell me there's no way to tell until after it's done. The problem is, how can I budget properly or know if I can afford the operation if I don't know how much it will cost?
My question is: What happens if my insurance denies the request to pay the hospital charges? I begged them to make sure it was approved before doing anything and they said not too worry, but I just got off the phone with the hospital and she said the $20,000+ is pending approval. How can this be? Does this mean there's a possibility that I will have to pay over $20,000 out of pocket? I can not afford that. Can anyone help me understand what is happening here?
0 nhận xét:
Đăng nhận xét