- Joined
- May 26, 2007
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OMG, thiiiiiss...... again and again and again.
Had a patient straight-up tell me last shift: "Don't make me observation, I need to be full inpatient, because then they won't pay for it."
Medicine costs (f)ucking money, people.
The problem is that in the ER medicine (and to a lesser extent inpatient hospital medicine) bills for exponentially more than it costs. Get the wrong care in the ER and the hospital will use it as an excuse to take everything you own. Its legalized robbery.
One of the problems with too much government intervention in medical care is that, since hospitals primarily deal with insurance at this point (government or otherwise) they have no sane dynamic left for patients who actually need to pay for their care with cash. ERs make up a completely fake, completely obscene number for the cost of care of a patient (you sat on a bed for 18 hours, were seen by a physician for thirty minutes, and recieved three tylenol: $25,000) which they then send off to either the patient's insurance company or, if he has no insurance, the patient himself. Obviously the insurance companies view this as the first offer in a negotation, and then reimburse for their actual rate (How about $750?) which bears some relationship to the actual cost of care and almost no relationship to the hospitals opening bid. However if you're cash pay the hospital treats their first, completely insane offer as though it were the actual cost of your bill, and they set then they set the dogs of their collection agency on you if/when you refuse to pay, because they argue that when you accepted the care you accepted the responsibility to pay for it (even though they refused to give you the bill until you had already accepted the care) and because they know that you don't have the resources to fight back.
I know that you guys think that no one in the ER pays for their care. The truth is, though, that there really are a lot of people who walk through the door who aren't homeless derilects, who really do have some savings and property to lose. And when they come in, the hospital smells blood in the water. Someone here posted about a patient that was still paying down a nearly three THOUSAND dollar bill from their last Obs visit. Do you have any idea what kind a blow a three thousand dollar loss is to an average person? For half of Americans that would litteraly destroy their savings and leave them destitute. And are we honestly going to pretend that there was any cost associated with that patient's care (who was on Obs) that required it to cost twenty times what an outpatient Urgent care visit costs? A lot of people who go to an ER genuinely don't know that they're walking into a billing trap where they can lose their savings and their home in exchange for a quick once over evaluation and 2 dollars worth of Motrin. And for those poor souls who are sick enough to go to the ER knowing the risks that they face, can you really blame them for trying to navigate the minefield and telling you 'NO!' when you send them to the unit their insurance won't pay for? Would you have said yes?
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