Thankfully I just had to cover my $4,000 out of pocket max but unfortunately the various tests, follow ups and physical therapy spilled out into two different calendar years so I had to pay another $1,000 in deductibles for that as well. We are America, and that means an extremely litigious nation. That means most pay an average of Sh21,300 for treatment a day. If they “let” you leave without full care, and something happened, they would be liable. After MRI, I left. Nurses Education. Here my provider wants me to do tests every year that in other countries are required every three years because insurance will pay for it yearly not because it’s necessary. I’m a healthy athlete and this diagnosis came out of nowhere!!! if insurance is designed for major to life threatening illnesses, then under what kind of circumstance or situation is considering as life threatening to you? According to the Society of Critical Care Medicine, âICU costs per day in 2010 were estimated to be $4300 per day, a 61% increase since the 2000 cost per day of $2669.â 1 And Live Science tells us âcritical care in the U.S. accounts for 20 percent of all health care costs.â 2 He has overcome cancer 2x’s and was never in the hospital for that,every time he is sent to a” certain hospital” for his heart rate or dizziness, they never let him out!! Insurance companies are regulated, each by their respective State Departments of Insurance. She has been in ICU for 3 weeks now. After I had my appendix out a few years ago I realized just how indispensable health insurance can be. However, I am aware that transport is sometimes not possible for a long time (for example in case of ICU treatment or serious wounds from gun shots, violent attacks ect…). It has been great to have this and as a result we have ended up paying very little out of pocket. This is the most ridiculous thing I’ve ever seen. $2,000. That is why many private physicians are having their Medicare patients sign an agreement which states the patient will have to pay if Medicare does not cover some service provided in the private office. The cost per day on an average general hospital ward is £195 . I live in England and i will NEVER moan again that i will have to sit in A&E with a load of drunk people :0 I thought that was bad enough but at least its all free Thank goodness for the NHS . The insurance contract will clearly state what is and is not covered, But no matter what the doctor/patient has to get an authorization for any Planned procedures. For example, the average cost per hospitalization for a Medicare Fee-for-service patient is listed as $15,792, while the Medicaid average is $11,370. And if you have had similar experiences and have additional tips to offer, please leave a comment. But these medical equipment/supplies thing is going to kill us? As a healthcare worker with knowledge if various aspects of healthcare, it goes both ways. The insurance company gets to charge for every little aspirin, bed sheet, nasal canula, etc. How Much Should I Have Saved For Retirement, What Happens If You Overcontribute To 401k, Best Calendar-Based Personal Finance Apps, What a 9-day hospital stay taught me about health insurance, Bank Account Promotions, Deals and Bonuses. Thursday night she seemed to improve, the procedure on Friday went well, and everything seemed to be resolved. Thirty-day mortality was 65% overall and did not differ significantly by stroke subtype. Join now. Regardless of the amount, the tab wouldn't be picked up entirely by patients with insurance. Some commercial insurers are going to a “DRG” system like Medicare where the hospital gets one amount, no matter how much the patient “costs” the hospital. I had the same situation – 90% was covered – which left about $1000 or so for me to pay. They also should have to work without automatic annual raises. (20% co insurance vs 0 dollar coinsurance). Remember the days when the gov’t would spend something like $30k on a screwdriver? It is Blue Cross who decides that a rotator cuff repair is outpatient. Average Length of Stay . "Data on NHS costs is not collected by bed day but according to the treatment required. You have the right to leave the hospital at any time. But my insurance premium will be more than $1000.00 a month with a $4800.00 deductible with Anthem BC. Emergencies can happen. I became disabled from MS and other medical problems. 6) Hospitals can get into serious trouble if they don’t appropriately screen, assess, and stabilize every person with an emergency even if they know they will never get a dime. Obama has done absolutely NOTHING, we have BC/BS and I am really surprised at what they do pay. Beginning with the total cost of treatment, paid for by a combination of the employer plan and the employeeâs out-of-pocket costs, we find that the average cost of an admission for pneumonia with major complications and comorbidities is $20,292 in 2018. That is AFLAC. Apply for term life insurance through Haven Life. If you want factual information on the “True Cost of Healthcare” I found the following website. I recently went through shoulder surgery (planned) and even that was expensive. Include unsociable hours allowance and all the other costs of employing someone and you could be looking at $2k for 24 hours specialist nursing care. They were denying things left and right for the most amazing stupid reasons and a different one every time I called. A lesson in the cost of a lengthy hospital stay. Republican-supported groups sued to stop the Federal Government payments. In any case if I got sick I would try to get back to Europe (where I am insured through my work and it covers ALL the med costs). I work for insurance companies and hospitals who have negotiated contracts. They didn’t know what the problem was, but the medicine had reduced her systems. I just got out of a 3 day hospital stay with pneumonia last week, searching around what it might cost me. to promote”OBAMA-CARE” …seriously. Is this correct? Staffing accounted for about 80% of ICU operational costs (Supporting Information, table 6). We have the insurance “in case.”. We have paid our required responsibility for transport and the Docs have consulted and given approval for transport. Ran across your page here and thought it might be worth a shot. Once the provider makes the correction and submits the information correctly the insurance company will promptly process and pay. Health care is never free.