Went to the ER in January. Left 2 hours later with a prescription for a laxative. Just got the bill today. $16,061.00 for the ER only, $1,546.19 my out of pocket expenses. I have the most expensive insurance offered by my white collar job and every insurance option I was given recently changed from a $500 copay to only discount ER visits at 80 or 90% depending on if you get the expensive or really expensive plan. My ER bill for a simple diagnostic was so high, I can't imagine if I actually got hurt or broke a bone.
"Insurance" it is not, it's really just become a discount coupon for a % off some astronomical made up number. The DR that visited me in the ER wasn't even in my room for 30 seconds and still billed me more than $1000. When confronted about that value the DR says "I don't make the rates" and when I call his office nobody in the Dr's office knows who decides the cost either. And this is one of the largest insurers and a plan through a company that has 10,000+ employees.
Has it become common to change from copay to % discount for ER services on other health plans?
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