Things I Hate

[TurdFurgusonsHat]

When a trip to the emergency room costs $700 AFTER insurance and all you did was lay there on a bed for an hour hooked up to a BP monitor.

But if you didn't work for a living it would be free. Which is increasing your premiums, copay, and deductible max out of pocket. I hate that!

 

[Snake Plissken]

When a trip to the emergency room costs $700 AFTER insurance and all you did was lay there on a bed for an hour hooked up to a BP monitor.

Mine went from $100-$300 the last few years, for no apparent reason. I assume it's ACA related.

My regular premiums quadrupled too.

But if you didn't work for a living it would be free. Which is increasing your premiums, copay, and deductible max out of pocket. I hate that!

Gotta make sure the 500 pounders get seen for their self induced heart attacks.

 

[The Ween]

My deductible went up $1000 this year. $3000 now.

 

[Shawpaw]

My deductible went up $1000 this year. $3000 now.

Unreal.

 

[The Ween]

Unreal.

It's complicated, but I had to go with a HSA this year, which my employer puts in $625 twice a year. I then contribute $1750 to make up the $3000. I have $75 taken out of each of my checks. Then I use my HSA debit to pay any medical bills I have. This ER bill will eat up most of what's in that account at the moment. The insurance I have only gets me a bit of a discount on my bills until I make the deductible. The ER billed my insurance almost $1300 for my visit. They got $600 knocked off of that so I still owe $700. My doctor's visits used to cost me a $20 co-pay but now I have to pay $66.

I think I'm getting this right. It's very confusing and so much different than last year. Now I won't be able to go to my monthly chiro appt. because it will no longer be $20, but $100+ and there won't be nothing left in my HSA till I build it back up in a few months.

 

[Shawpaw]

My last ER visit was about $2600 for what I thought was a gall bladder attack. They didn't even treat it or scan abdomen or anything. I just sat on a bed and waited for 2 hours.

 

[EVILFACE]

I'm lucky that I haven't had any medial issues or a need for hospital trip.

I did go to a specialist about 8 years ago because of a growth on my back. Turned out to be a boil. Yup. Paid a $20 co-pay for a doc to tell me I had a big zit on my back. Wife popped it.

 

[GeneralZodLives]

There are a lot of reasons health insurance premiums keep increasing--prices rising for drugs and procedures, insurances companies having to pay out more money now that more people are insured, etc. However, one of the biggest reasons premiums went up was because Congress chose not to pay insurance companies what they were supposed to pay as part of the plan. Congress refusing to pay the amount owed and continuing to block payment means that the insurance companies decided to up the premiums to make up for the loss.

Drug price increases are absolutely ridiculous. I see the prices on a day-to-day basis and deal with angry customers that immediately blame Obama instead of the drug companies. Mind you, some of these people want the government to stay out of their insurance--meanwhile, they're on Medicare. Others proudly gloat that Trump will get rid of "Obamacare" and that it won't affect them because they're covered under the Affordable Care Act.

 

[The Ween]

I'm lucky that I haven't had any medial issues or a need for hospital trip.

I did go to a specialist about 8 years ago because of a growth on my back. Turned out to be a boil. Yup. Paid a $20 co-pay for a doc to tell me I had a big zit on my back. Wife popped it.

Did she make a youtube vid of it like so many other have?

 

[Snake Plissken]

Did she make a youtube vid of it like so many other have?

Those are addicting.

 

[ali032373]

In fairness when you go the the ER youre also being evaluated by a trained medical professional. They arent just diagnosing and treating your problem. Theyre basically giving you a clean bill of health. You cant get that from anyone else. Anyone can pop a boil. But only a doctor can say "we've run the tests and *it's only* a boil". Only a trained professional can tell you that.

Theres peace of mind in that.

 

[The Ween]

In fairness when you go the the ER youre also being evaluated by a trained medical professional. They arent just diagnosing and treating your problem. Theyre basically giving you a clean bill of health. You cant get that from anyone else. Anyone can pop a boil. But only a doctor can say "we've run the tests and *it's only* a boil". Only a trained professional can tell you that.

Theres peace of mind in that.

Actually, ERs are only there to get you through the crisis you're having at the moment. Usually by an intern. They always refer you to your own Dr. I had no tests run at all. Just watched my BP for an hour and sent me home.

I went to the ER years ago with severe pain from my back to my front along my ribs. Hurt so bad I could hardly breathe. I was told I must've pulled a muscle, given a relaxer, then told to see my Dr. the next day. If the professional would've taken the time to actually exam me, he would've found the shingles that my Dr. found.

 

[The Ween]

Those are addicting.

I have a friend who is. Yuck!

 

[ali032373]

Actually, ERs are only there to get you through the crisis you're having at the moment. Usually by an intern. They always refer you to your own Dr. I had no tests run at all. Just watched my BP for an hour and sent me home.

I went to the ER years ago with severe pain from my back to my front along my ribs. Hurt so bad I could hardly breathe. I was told I must've pulled a muscle, given a relaxer, then told to see my Dr. the next day. If the professional would've taken the time to actually exam me, he would've found the shingles that my Dr. found.

That sounds like a wellness clinic type thing, not a hospital ER. But you could still make the same argument. You're paying for their professional experience and judgment. They may not be doctors but I'm sure they have to have some licensing and training. You had to trust their medical opinion to some degree or you wouldn't have gone there. Maybe you didn't have a choice at the moment?

But I can tell you from my own professional experience that billed amount for medical procedures varies wildly across the country. Then the question becomes what is the actual value of the medical service provided since a broken leg in Delaware costs $400 to fix, while the same procedure in Manhattan costs $2800. Think of it like buying any other service- what if clearing a clogged drain can cost you $300, or $3000. Mind you there are degrees of medical proficiency, but I'm talking about the standard, uncomplicated procedures.

 

[316what]

My wife had surgery last year. Total cost was in the $85K range. Our out of pocket was $400....$200 for hospital and $200 for the doctor. I'm very thankful my employer provides a great insurance plan and we didn't have to go to the exchanges for insurance.


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[KitFisto]

Actually, ERs are only there to get you through the crisis you're having at the moment. Usually by an intern. They always refer you to your own Dr. I had no tests run at all. Just watched my BP for an hour and sent me home.

I went to the ER years ago with severe pain from my back to my front along my ribs. Hurt so bad I could hardly breathe. I was told I must've pulled a muscle, given a relaxer, then told to see my Dr. the next day. If the professional would've taken the time to actually exam me, he would've found the shingles that my Dr. found.

This....


ER's today basically say "you're dieing, we'll admit you" or "you're not dieing, go home". There is very little care provided unless the situation is life threatening. I can understand that to a point due to people who rush to the ER for every little thing and take up time and space for something that could have waited, but there are also many cases that need more care and they get shuffled out the door.

 

[EVILFACE]

Kid got the sniffles? ER!

 

[316what]

Trump won the election. ER!


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[a-dev]

edit - I don't hate the show ER. It's just...you were all saying ER...

 

[TurdFurgusonsHat]

Kid got the sniffles? ER!

This is what happens when you give free health care to people who contribute nothing to society.