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.
3 comments:
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.
Is that even with insurance?
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.
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