Wednesday, November 25, 2020

No Words

 We found out yesterday how much of Dr. Skull's hospital bill is "our responsibility," according to our insurance company.

"How does anyone pay for things like this?" I asked the "financial counselor," and she handed me a pamphlet for a "financial relief" company which will loan us the money at "only" 4% above APR.

Just in case you were wondering how the American Health Care system was doing.


nicoleandmaggie said...

I hope you keep taking this up with the hospital-- last time we had a huge bill, we were told that the more we took it up the chain, the more power they had to bargain the dollar amount down. But it would take a lot of meetings with a lot of people. DH's relative has found the same thing-- if he talks to enough people they can directly cut his medical bills to a fraction of the original charges.

delagar said...

Is that even with insurance?

nicoleandmaggie said...

Of course it is. Insurance pays for a lot, but it also doesn't pay for a lot. Keep asking to speak with someone higher up the chain. They put these hurdles in place to make it harder but still possible. There's a point where they get more from you than from selling your debt to a collection agency and they can be bargained down to it. Most hospitals get money from the government to forgive debt too, I believe.