American Health Care
Tuesday, August 7th, 2007Lisa has been having trouble with her ankle for over a year now. She’s been going to a specialist, and a couple of months ago, the specialist ordered an MRI to be taken. So Lisa goes to the hospital. At the front desk, the receptionist does some research, and tells her our coinsurance amount (10%) is going to be $180. A small price to pay if we find the problem, so we pay it and have it done.
A month later the hospital turns around and says sorry, now you owe us $300. When asked why they first told us $180, they say “oh, that was just an estimate.” Would have been nice if we had known that from the start. So what can we do about this?
Nothing.
Perhaps we could have called our insurance and found out the actual amount beforehand.
Nope.
I just got off the phone with our insurance company, apparently the insurance company cannot tell the patient how much a procedure will cost them. The patient has to get that information from the hospital. Apparently the hospital only gives “estimates.”
Can you imagine if this is how other industries worked? Lets say I walk into a restaurant and order a hamburger, menu price $7. At the end of the meal, the waiter brings me a bill for $15. Sorry sir, that menu was just an estimation of prices. We really didn’t know how much work it was going to take to prepare the meal till we had already done it, now you owe us $15.
Fantastic system we’ve got here.