How is your healthcare?

First, what state in USA or Country in the world are you from? If outside US can you explain how your insurance works?

Are you self pay? Are you on your parent's plan? Job plan? The NO plan because you never get sick?

How much do you pay? (monthly/yearly)

What is your deductible and co pays?

Who are you insured by? BCBS? UHC? Medicare/Medicaid? Aetna? Tricare?

Did you sign up on the exchange? (ACA - Affordable Care Act)



In light of the election I see a lot of people talk about healthcare.

I'm self pay because it's cheaper. New York.

Posted by irreconcilabledifferences
😐

Do you have insurance?

I want to know because a lot of people use their healthcare as their reason they voted for Trump. It is in light of all the other topics just narrowing down this subject specifically layer by layer.

How bad/good IS insurance compared to others?

Posted by irreconcilabledifferences

Posted by Kaleesa

Posted by irreconcilabledifferences
😐

Do you have insurance?

I want to know because a lot of people use their healthcare as their reason they voted for Trump. It is in light of all the other topics just narrowing down this subject specifically layer by layer.

How bad/good IS insurance compared to others?

fine

medicard

about $ 600 a year

never use it or get sick except if i eat sweet potatos

click to expand

Medicaid is basically free minus the 3 $ co pay.

But thanks for contributing. Keep eating those potatoes.

you said you're self pay insured? is that from your work then?

i'm not u.s. but, it's interesting to find out what's going to happen in the near future.

I think the TrumpCare, that's going to replace ObamaCare, is not going to take into effect until January.

http://www.huffingtonpost.com/entry/donald-trump-obamacare-replacement_us_56d7b3fde4b0ffe6f8e834f1

"so people are going to look for other healthcare.

Today, anyone who gets health insurance from an employer already doesn’t pay taxes on the value of that fringe benefit. This proposal would level the playing field for people who buy health coverage directly from an insurer, although they already can deduct the cost now under limited circumstances.

That may be a great deal for people who make a lot of money, giving them a big new tax break. But anyone with a low income or middle income may still find health insurance unaffordable — and that’s especially true for those who earn so little that the cost of insurance is higher than what they owe in taxes. And this would be enormously expensive for the government"

I was uninsured and self pay for all of my adult life. I purchased insurance through the exchange in January 2015. For just myself, the premium is $ 498 monthly plus $ 5000 deductible and high copays. Copay for a CBC was $ 100. They removed my insurance at the lab and charged me $ 60 for self pay!

Also, the coverage is terrible. Many tests and procedures are rejected or they don't pay as much as the hospital charges. I will say that I was lucky to have insurance in 2015 though. I spent my entire life without as much as a flu and ended up with a ruptured appendix in February 2015 followed by lots of complications.

Without insurance I would've ended up with a minimum $ 30000 bill. With insurance I thought that I ended up with around $ 11,000 total but I just received something in the mail yesterday that I'm disputed for $ 6700.

I did dump the insurance a couple months ago so now I have no coverage whatsoever. I'm hoping to find something less expensive for next year.

Posted by lisabethur8
you said you're self pay insured? is that from your work then?

i'm not u.s. but, it's interesting to find out what's going to happen in the near future.

I think the TrumpCare, that's going to replace ObamaCare, is not going to take into effect until January.

http://www.huffingtonpost.com/entry/donald-trump-obamacare-replacement_us_56d7b3fde4b0ffe6f8e834f1

"so people are going to look for other healthcare.

Today, anyone who gets health insurance from an employer already doesn’t pay taxes on the value of that fringe benefit. This proposal would level the playing field for people who buy health coverage directly from an insurer, although they already can deduct the cost now under limited circumstances.

That may be a great deal for people who make a lot of money, giving them a big new tax break. But anyone with a low income or middle income may still find health insurance unaffordable — and that’s especially true for those who earn so little that the cost of insurance is higher than what they owe in taxes. And this would be enormously expensive for the government"

No, self pay and NOT insured. Thanks for providing the link, I am reading it now.

What about you? Can you contribute to the thread? I am curious about healthcare outside the USA too.

A lady from England told me that the healthcare is free INCLUDING dental/eye and it is paid for out of their taxes which are still lower percentage wise then what I pay in taxes without insurance. I asked her about wait times and elective surgeries and she said that is worked brilliantly and had no complaints.

I thought it sounded ideal.

I have UnitedHealthCare For me it's a waste of time. They won't cover my Hearing Aids I need those to hear. I'm surprised they covered my eyeglasses.

Posted by WiseOwl
I have UnitedHealthCare For me it's a waste of time. They won't cover my Hearing Aids I need those to hear. I'm surprised they covered my eyeglasses.

Yea, 😢 Ive yet to find a private insurance that DOES cover hearing aids && they are crazy expensive too! You have to purchase EACH hearing aid right? They do not come in a "pair." My dad had to pay over $ 1,000 per ear and he has a great plan under BCBS.

You are young enough to be covered under your parents, do you purchase on your own or are you covered by them? I ask because I wanted to know the monthly premium, deductible and co pays.

I get insurance through work. $ 50 copay

MA

Posted by Deedee86
I was uninsured and self pay for all of my adult life. I purchased insurance through the exchange in January 2015. For just myself, the premium is $ 498 monthly plus $ 5000 deductible and high copays. Copay for a CBC was $ 100. They removed my insurance at the lab and charged me $ 60 for self pay!

Also, the coverage is terrible. Many tests and procedures are rejected or they don't pay as much as the hospital charges. I will say that I was lucky to have insurance in 2015 though. I spent my entire life without as much as a flu and ended up with a ruptured appendix in February 2015 followed by lots of complications.

Without insurance I would've ended up with a minimum $ 30000 bill. With insurance I thought that I ended up with around $ 11,000 total but I just received something in the mail yesterday that I'm disputed for $ 6700.

I did dump the insurance a couple months ago so now I have no coverage whatsoever. I'm hoping to find something less expensive for next year.

Eck! And thankfully you DID have insurance to cover the exceptionally high prices for your appendectomy ya know (Hospital bills are meticulously itemized and up-charged). So, you paid for insurance and you had a $ 5,000 deductible but you still owed around $ 11,000? What are you disputing for $ 6,700?

On the exchange did you have UHC or BCBS? Just you or did this cover dependents? Sounds like you had a BCBS Platinum plan.

I am sill on the lookout to buy next year too.

Posted by fugu2
I get insurance through work. $ 50 copay

MA

State plan? That's not shabby at all. Any idea your deductible? What about generic prescriptions?

Posted by TheLibraMudra
Regence Blue Shield

Delta Dental

VSP vision



-free

-free for my child

- $ 30 copays

I'm very blessed to work in a children's hospital

Very blessed - most county hospitals offer phenomenal insurance with excellent coverage.Girlfriends of mine working at the hospital here were able to receive gym memberships and massage therapy under their insurance... which is awesome and productive to overall health imo.

@thelibramudra - Do you get an annual "physical check up" that dictates your insurance? Not sure what it is called at other hospitals/states etc. My gf gets tested for Nicotine, diabetes etc.. she was a closet smoker, popped positive for nicotine and her insurance increased about $ 100/month. Just curious if they have a similar gig there.

Posted by Kaleesa

Posted by fugu2
I get insurance through work. $ 50 copay

MA

State plan? That's not shabby at all. Any idea your deductible? What about generic prescriptions?

click to expand

Prescriptions are like $ 10. Unfortunately I don't know my deductible, and it's not a state plan, but a private insurer.

Posted by fugu2

Posted by Kaleesa

Posted by fugu2
I get insurance through work. $ 50 copay

MA

State plan? That's not shabby at all. Any idea your deductible? What about generic prescriptions?

Prescriptions are like $ 10. Unfortunately I don't know my deductible, and it's not a state plan, but a private insurer.

click to expand

Thanks! Sounds like a good one.

I'm in Oregon, most employers here pay for or offer health insurance. I have mine through my employer (BCBS/Anthem) and pay about $ 130 a month for my plan. I pay $ 25 a visit for a regular doctor in the network or $ 45 for a specialist. I have a $ 1500 deductible for other services and another $ 1200 deductible for prescriptions. Once I reach my deductible (ie never), insurance pays 80% .

I have a chronic disease (autoimmune) and take meds (replacement hormones), and see my doc every 6 months. Otherwise, I'm generally healthy.

My doctor (naturopath) charges $ 210/visit plus whatever supplements I need, and he writes my prescriptions. My meds are cheaper to buy out of pocket so I don't use my insurance. My labs aren't paid for until the deductible, so those are out of pocket (he has an arrangement with a lab that means labwork that can be upwards of $ 750 only costs me $ 45).

So really, I would be much better off not buying insurance and just paying out of pocket.

In the "old days", if I didn't have employer insurance, I would have gotten a catastrophic plan for cheap and then pay my naturopath or an urgent care clinic out of pocket when I need it.

I can't imagine having to pay $ 500+ a month for health care, especially if I rarely or never went to the doctor. Yet someone felt that others should be forced to.

Posted by sultrykitty
I'm in Oregon, most employers here pay for or offer health insurance. I have mine through my employer and pay about $ 130 a month for my plan. I pay $ 25 a visit for a regular doctor in the network or $ 45 for a specialist. I have a $ 1500 deductible for other services and another $ 1200 deductible for prescriptions. Once I reach my deductible (ie never), insurance pays 80% .

I have a chronic disease (autoimmune) and take meds (replacement hormones), amd see mu doc every 6 months. Otherwise, I'm generally healthy.

My doctor (naturopath) charges $ 210/visit plus whatever supplements I need, and he writes my prescriptions. My meds are cheaper ro buy out of pocket so I don't use my insurance. My labs aren't paid for until the deductible so those are out of pocket (he has an arrangement with a lab that means labwork that can be upwards of $ 750 only costs me $ 45).

So really, I would be much better off not buying insurance amd just paying out of pocket.

In the "old days", if I didn't have employer insurance, I would get a catostrophic plan for cheap amd then pay my naturopath or am urgent care clinic out of pocket when I need it.

I can't imagine having to pay $ 500+ a month for health care, especially if I rarely or never went to the doctor. Yet someone felt that others should be forced to.

So do you keep your insurance plan in case of a medical emergency? Or to prevent from paying the fine? (My fine this year was around $ 800. I wonder if I'll have to pay a fine again next year or if it will change)

Luckily it's $ 130 but that still adds up w/ your $ 210 twice a year plus lab work, prescriptions and other unplanned visits. If you added it up it would be cheaper on the assumption you stay healthy as is.

And the catastrophic plans that were offered via exchange were ridiculous and they had an age limit - I think of 32 & under only..

Posted by Kaleesa

Posted by Deedee86
I was uninsured and self pay for all of my adult life. I purchased insurance through the exchange in January 2015. For just myself, the premium is $ 498 monthly plus $ 5000 deductible and high copays. Copay for a CBC was $ 100. They removed my insurance at the lab and charged me $ 60 for self pay!

Also, the coverage is terrible. Many tests and procedures are rejected or they don't pay as much as the hospital charges. I will say that I was lucky to have insurance in 2015 though. I spent my entire life without as much as a flu and ended up with a ruptured appendix in February 2015 followed by lots of complications.

Without insurance I would've ended up with a minimum $ 30000 bill. With insurance I thought that I ended up with around $ 11,000 total but I just received something in the mail yesterday that I'm disputed for $ 6700.

I did dump the insurance a couple months ago so now I have no coverage whatsoever. I'm hoping to find something less expensive for next year.

Eck! And thankfully you DID have insurance to cover the exceptionally high prices for your appendectomy ya know (Hospital bills are meticulously itemized and up-charged). So, you paid for insurance and you had a $ 5,000 deductible but you still owed around $ 11,000? What are you disputing for $ 6,700?

On the exchange did you have UHC or BCBS? Just you or did this cover dependents? Sounds like you had a BCBS Platinum plan.

I am sill on the lookout to buy next year too.

click to expand

I had fidellis on the exchange.

I'm disputing the $ 6700 because I'm pretty sure I already paid it. When I was negotiating bills with they agreed to lower the amount that was left to $ 2040 which I paid back in February. About six weeks ago I received a letter from a collections attorney stating that I owed the hospital $ 4700. I'm pretty sure that was the amount that I already settled for $ 2040 so I called them to report the mistake. Yesterday, I got a new attorney letter with an itemized bill stating that I do owe this amount and now it's $ 6700! Yup, $ 2000 in interest for 90 days on a date that I am pretty sure that I already paid. I was up all night stressed out about it.

This morning I called the hospital directly but had to leave a message for the account manager. I haven't received a call back yet.

I had lots of complications afterwards and spent a lot of time in the hospital. I firmly believe that they were caused by poor judgment by the hospital and surgeon. I never threw a stink because I am ok but now I'm tempted to at least file a complaint with the hospital board. I'm just so upset by the never ending bills.

Posted by Kaleesa

Posted by sultrykitty
I'm in Oregon, most employers here pay for or offer health insurance. I have mine through my employer and pay about $ 130 a month for my plan. I pay $ 25 a visit for a regular doctor in the network or $ 45 for a specialist. I have a $ 1500 deductible for other services and another $ 1200 deductible for prescriptions. Once I reach my deductible (ie never), insurance pays 80% .

I have a chronic disease (autoimmune) and take meds (replacement hormones), amd see mu doc every 6 months. Otherwise, I'm generally healthy.

My doctor (naturopath) charges $ 210/visit plus whatever supplements I need, and he writes my prescriptions. My meds are cheaper ro buy out of pocket so I don't use my insurance. My labs aren't paid for until the deductible so those are out of pocket (he has an arrangement with a lab that means labwork that can be upwards of $ 750 only costs me $ 45).

So really, I would be much better off not buying insurance and just paying out of pocket.

In the "old days", if I didn't have employer insurance, I would get a catostrophic plan for cheap amd then pay my naturopath or am urgent care clinic out of pocket when I need it.

I can't imagine having to pay $ 500+ a month for health care, especially if I rarely or never went to the doctor. Yet someone felt that others should be forced to.

So do you keep your insurance plan in case of a medical emergency? Or to prevent from paying the fine? (My fine this year was around $ 800. I wonder if I'll have to pay a fine again next year or if it will change)

Luckily it's $ 130 but that still adds up w/ your $ 210 twice a year plus lab work, prescriptions and other unplanned visits. If you added it up it would be cheaper on the assumption you stay healthy as is.

And the catastrophic plans that were offered via exchange were ridiculous and they had an age limit - I think of 32 & under only..

click to expand

Thankfully, naturopaths here are licensed and can be PCP's if you have an HMO, and many are in network if you have a plan that lets you choose a doctor. I just found out today that my in-network ND was being considered a specialist so I'm being billed $ 45 ( not his $ 210) but I'll be challenging that. Still, paying for insurance with how little I use it seems a waste.

I do keep mine for bigger things like if I need surgery or more extensive testing (ultrasounds or to see am endocrinologist), or if I need to go to the ER for something. Luckily that hasn't happened yet (recently).

I would be like you; just pay the fine. But I heard that the plan is that next year, fines would be punitive (more than the insurance) as an "incentive" to get healthy and younger people to sign up.

@deedee86 Um yeah! Hopefully you kept all your receipts? Doesn't surprise me how much interest they applied.

So you paid $ 2060 Feb2016.

And about 6 weeks ago you received the bill of $ 4,700 correct? Did you contact anyone about the first letter?? Who did you call and what happened?

Posted by Kaleesa

Posted by Deedee86
I was uninsured and self pay for all of my adult life. I purchased insurance through the exchange in January 2015. For just myself, the premium is $ 498 monthly plus $ 5000 deductible and high copays. Copay for a CBC was $ 100. They removed my insurance at the lab and charged me $ 60 for self pay!

Also, the coverage is terrible. Many tests and procedures are rejected or they don't pay as much as the hospital charges. I will say that I was lucky to have insurance in 2015 though. I spent my entire life without as much as a flu and ended up with a ruptured appendix in February 2015 followed by lots of complications.

Without insurance I would've ended up with a minimum $ 30000 bill. With insurance I thought that I ended up with around $ 11,000 total but I just received something in the mail yesterday that I'm disputed for $ 6700.

I did dump the insurance a couple months ago so now I have no coverage whatsoever. I'm hoping to find something less expensive for next year.

Eck! And thankfully you DID have insurance to cover the exceptionally high prices for your appendectomy ya know (Hospital bills are meticulously itemized and up-charged). So, you paid for insurance and you had a $ 5,000 deductible but you still owed around $ 11,000? What are you disputing for $ 6,700?

On the exchange did you have UHC or BCBS? Just you or did this cover dependents? Sounds like you had a BCBS Platinum plan.

I am sill on the lookout to buy next year too.

click to expand

That's including the insurance and deductible. I never factored in the copays.

Plus I pay separate for my kids through NY child health plus. It's for 18 and under and substantially less expensive. That is around $ 3000 yearly but no deductible or copay and coverage is good. They only go for yearly physical (knock on wood) but I would never leave them uninsured.

My youngest had braces too. They got put on in 2014 but I paid a down payment plus $ 198 monthly until April 2016. And in 2015

I also had a root canal with zero dental coverage.

Needless to say, 2015 was not a good year. I had medical issues and barely worked until mid October. I pretty much drained my savings for medical and living expenses. 2016 was spent getting things back in order and I'm expecting to rebuild my savings in 2017.

My chart says that I will experience a once in a lifetime period of amazing success and accomplishment in September-November of 2017. I'm definitely preparing for it.

Posted by Kaleesa
@deedee86 Um yeah! Hopefully you kept all your receipts? Doesn't surprise me how much interest they applied.

So you paid $ 2060 Feb2016.

And about 6 weeks ago you received the bill of $ 4,700 correct? Did you contact anyone about the first letter?? Who did you call and what happened?

Yes. I have everything. I have the reduction offer from the hospital and the canceled check. When I received the first letter 6 weeks ago I immediately called the attorney that sent it. The woman on the phone was very nice and I explained the situation. She said that she would take care of it. I didn't really think about it again until the new letter came yesterday. I figured that it was a simple mistake but now I'm nervous.

Posted by sultrykitty

Posted by Kaleesa

Posted by sultrykitty
I'm in Oregon, most employers here pay for or offer health insurance. I have mine through my employer and pay about $ 130 a month for my plan. I pay $ 25 a visit for a regular doctor in the network or $ 45 for a specialist. I have a $ 1500 deductible for other services and another $ 1200 deductible for prescriptions. Once I reach my deductible (ie never), insurance pays 80% .

I have a chronic disease (autoimmune) and take meds (replacement hormones), amd see mu doc every 6 months. Otherwise, I'm generally healthy.

My doctor (naturopath) charges $ 210/visit plus whatever supplements I need, and he writes my prescriptions. My meds are cheaper ro buy out of pocket so I don't use my insurance. My labs aren't paid for until the deductible so those are out of pocket (he has an arrangement with a lab that means labwork that can be upwards of $ 750 only costs me $ 45).

So really, I would be much better off not buying insurance and just paying out of pocket.

In the "old days", if I didn't have employer insurance, I would get a catostrophic plan for cheap amd then pay my naturopath or am urgent care clinic out of pocket when I need it.

I can't imagine having to pay $ 500+ a month for health care, especially if I rarely or never went to the doctor. Yet someone felt that others should be forced to.

So do you keep your insurance plan in case of a medical emergency? Or to prevent from paying the fine? (My fine this year was around $ 800. I wonder if I'll have to pay a fine again next year or if it will change)

Luckily it's $ 130 but that still adds up w/ your $ 210 twice a year plus lab work, prescriptions and other unplanned visits. If you added it up it would be cheaper on the assumption you stay healthy as is.

And the catastrophic plans that were offered via exchange were ridiculous and they had an age limit - I think of 32 & under only..

Thankfully, naturopaths here are licensed and can be PCP's if you have an HMO, and many are in network if you have a plan that lets you choose a doctor. I just found out today that my in-network ND was being considered a specialist so I'm being billed $ 45 ( not his $ 210) but I'll be challenging that. Still, paying for insurance with how little I use it seems a waste.

I do keep mine for bigger things like if I need surgery or more extensive testing (ultrasounds or to see am endocrinologist), or if I need to go to the ER for something. Luckily that hasn't happened yet (recently).

I would be like you; just pay the fine. But I heard that the plan is that next year, fines would be punitive (more than the insurance) as an "incentive" to get healthy and younger people to sign up.

click to expand

The fines will gradually increase but that's under the assumption that Trump doesn't flush the ACA laws down the crapper along with the mandated fines for not being insured. I guess I'll have to stay tuned on that development, lol.

How old are you? Single? Children? Gender? I recall reading that young females premiums would be higher than young males due to prenatal care etc. Not sure the validity of that.

Posted by Deedee86

Posted by Kaleesa
@deedee86 Um yeah! Hopefully you kept all your receipts? Doesn't surprise me how much interest they applied.

So you paid $ 2060 Feb2016.

And about 6 weeks ago you received the bill of $ 4,700 correct? Did you contact anyone about the first letter?? Who did you call and what happened?

Yes. I have everything. I have the reduction offer from the hospital and the canceled check. When I received the first letter 6 weeks ago I immediately called the attorney that sent it. The woman on the phone was very nice and I explained the situation. She said that she would take care of it. I didn't really think about it again until the new letter came yesterday. I figured that it was a simple mistake but now I'm nervous.

click to expand

You have the reduction offer- good. What check was cancelled? The one you paid the original $ 2060 with in Feb? When did they cancel it and when did you find out?

@Kaleesa

I'm (technically) single, female, no kids, 46 yo.

The ACA was doomed from the beginning. The only people who benefitted from it are those who were able to get "insurance" through Medicaid. That was the plan all along. Make it so expensive that people had no choice but to go on Medicaid, and with a little more tweaking, you now you have (essentially) a single payer system.

Posted by sultrykitty
@Kaleesa

I'm (technically) single, female, no kids, 46 yo.

The ACA was doomed from the beginning. The only people who benefitted from it are those who were able to get "insurance" through Medicaid. That was the plan all along. Make it so expensive that people had no choice but to go on Medicaid, and with a little more tweaking, you now you have (essentially) a single payer system.

No joke! Ever read some of the expenses ACA covers?? Google it, it'd cause a shit fiasco thread if I typed it here and I really want to know more about others insurance... especially those outside the USA.

What they failed to account for are those whom were ineligible for Medicaid yet also don't make enough to afford insurance --even with the bullshit subsidies. And then those people have to fork out all their tax income to pay the fine?!

Posted by FknNerd
First, what state in USA or Country in the world are you from? If outside US can you explain how your insurance works?

Ohio

Are you self pay? Are you on your parent's plan? Job plan? The NO plan because you never get sick?

Parents plan

How much do you pay? (monthly/yearly)

Nothing

What is your deductible and co pays?

$ 350 deductible for ER

Primary doc $ 20

Meds usually cost $ 10

Who are you insured by? BCBS? UHC? Medicare/Medicaid? Aetna? Tricare?

Cigna

Did you sign up on the exchange? (ACA - Affordable Care Act)

No.

Thanks : )

Posted by Kaleesa

Posted by Deedee86

Posted by Kaleesa
@deedee86 Um yeah! Hopefully you kept all your receipts? Doesn't surprise me how much interest they applied.

So you paid $ 2060 Feb2016.

And about 6 weeks ago you received the bill of $ 4,700 correct? Did you contact anyone about the first letter?? Who did you call and what happened?

Yes. I have everything. I have the reduction offer from the hospital and the canceled check. When I received the first letter 6 weeks ago I immediately called the attorney that sent it. The woman on the phone was very nice and I explained the situation. She said that she would take care of it. I didn't really think about it again until the new letter came yesterday. I figured that it was a simple mistake but now I'm nervous.

You have the reduction offer- good. What check was cancelled? The one you paid the original $ 2060 with in Feb? When did they cancel it and when did you find out?

click to expand

The check was cashed (canceled) just a few days after I mailed it in February and it matches the amount on the reduction offer. I knew it was cashed soon after, when I balanced my checkbook. I didn't hear another word until that attorney letter in September.

Posted by Deedee86

Posted by Kaleesa

Posted by Deedee86

Posted by Kaleesa
@deedee86 Um yeah! Hopefully you kept all your receipts? Doesn't surprise me how much interest they applied.

So you paid $ 2060 Feb2016.

And about 6 weeks ago you received the bill of $ 4,700 correct? Did you contact anyone about the first letter?? Who did you call and what happened?

Yes. I have everything. I have the reduction offer from the hospital and the canceled check. When I received the first letter 6 weeks ago I immediately called the attorney that sent it. The woman on the phone was very nice and I explained the situation. She said that she would take care of it. I didn't really think about it again until the new letter came yesterday. I figured that it was a simple mistake but now I'm nervous.

You have the reduction offer- good. What check was cancelled? The one you paid the original $ 2060 with in Feb? When did they cancel it and when did you find out?

The check was cashed (canceled) just a few days after I mailed it in February and it matches the amount on the reduction offer. I knew it was cashed soon after, when I balanced my checkbook. I didn't hear another word until that attorney letter in September.

click to expand

Oh I see, by cancelled you mean it was cashed. NOT sent back to you. That's my mistake.

6 weeks ago you called the attorney (hopefully you got her name) and she said she'd take care of it. Meanwhile you get a bill yesterday for $ 4,700 due to the interest tacked on...

Damn. I have to be missing something?

Who is the attorney you spoke to 6 wks ago? Did you hire her or was she on the collections side taking your payment?

You called the hospital but to no avail yet. Did you call back the attorney too? I don't mean to get all in your business but it sounds fishy. Have you checked your credit report? What are you planning on doing? : (

(@least health care bills cannot lower your credit score no matter the amount) but it would still show up.. not on the free credit karma sites but the ones you get to use once a year to check your credit.

Posted by Kaleesa

Posted by Deedee86

Posted by Kaleesa

Posted by Deedee86

Posted by Kaleesa
@deedee86 Um yeah! Hopefully you kept all your receipts? Doesn't surprise me how much interest they applied.

So you paid $ 2060 Feb2016.

And about 6 weeks ago you received the bill of $ 4,700 correct? Did you contact anyone about the first letter?? Who did you call and what happened?

Yes. I have everything. I have the reduction offer from the hospital and the canceled check. When I received the first letter 6 weeks ago I immediately called the attorney that sent it. The woman on the phone was very nice and I explained the situation. She said that she would take care of it. I didn't really think about it again until the new letter came yesterday. I figured that it was a simple mistake but now I'm nervous.

You have the reduction offer- good. What check was cancelled? The one you paid the original $ 2060 with in Feb? When did they cancel it and when did you find out?

The check was cashed (canceled) just a few days after I mailed it in February and it matches the amount on the reduction offer. I knew it was cashed soon after, when I balanced my checkbook. I didn't hear another word until that attorney letter in September.

Oh I see, by cancelled you mean it was cashed. NOT sent back to you. That's my mistake.

6 weeks ago you called the attorney (hopefully you got her name) and she said she'd take care of it. Meanwhile you get a bill yesterday for $ 4,700 due to the interest tacked on...

Damn. I have to be missing something?

Who is the attorney you spoke to 6 wks ago? Did you hire her or was she on the collections side taking your payment?

You called the hospital but to no avail yet. Did you call back the attorney too? I don't mean to get all in your business but it sounds fishy. Have you checked your credit report? What are you planning on doing? : (

(@least health care bills cannot lower your credit score no matter the amount) but it would still show up.. not on the free credit karma sites but the ones you get to use once a year to check your credit.

click to expand

The attorney works as a collection agent for the hospital. The bill 6 weeks ago was for $ 4700 now it is $ 6700!!!

I agree. It does sound fishy. My next step is to speak directly to the hospital. I will give it until Monday before I call back since tomorrow is a holiday.

If I do really owe it, My only choice is to pay but try and get it reduced.

I may file a complaint with the hospital regarding my surgery mishap though. Maybe they will waive the remainder out of fear that I may sue.

I'm not a medical expert but I think that I have a case. I'm not lawsuit happy and I'm ok now so it never really crossed my mind.

Posted by Deedee86

Posted by Kaleesa

Posted by Deedee86

Posted by Kaleesa

Posted by Deedee86

Posted by Kaleesa
@deedee86 Um yeah! Hopefully you kept all your receipts? Doesn't surprise me how much interest they applied.

So you paid $ 2060 Feb2016.

And about 6 weeks ago you received the bill of $ 4,700 correct? Did you contact anyone about the first letter?? Who did you call and what happened?

Yes. I have everything. I have the reduction offer from the hospital and the canceled check. When I received the first letter 6 weeks ago I immediately called the attorney that sent it. The woman on the phone was very nice and I explained the situation. She said that she would take care of it. I didn't really think about it again until the new letter came yesterday. I figured that it was a simple mistake but now I'm nervous.

You have the reduction offer- good. What check was cancelled? The one you paid the original $ 2060 with in Feb? When did they cancel it and when did you find out?

The check was cashed (canceled) just a few days after I mailed it in February and it matches the amount on the reduction offer. I knew it was cashed soon after, when I balanced my checkbook. I didn't hear another word until that attorney letter in September.

Oh I see, by cancelled you mean it was cashed. NOT sent back to you. That's my mistake.

6 weeks ago you called the attorney (hopefully you got her name) and she said she'd take care of it. Meanwhile you get a bill yesterday for $ 4,700 due to the interest tacked on...

Damn. I have to be missing something?

Who is the attorney you spoke to 6 wks ago? Did you hire her or was she on the collections side taking your payment?

You called the hospital but to no avail yet. Did you call back the attorney too? I don't mean to get all in your business but it sounds fishy. Have you checked your credit report? What are you planning on doing? : (

(@least health care bills cannot lower your credit score no matter the amount) but it would still show up.. not on the free credit karma sites but the ones you get to use once a year to check your credit.

The attorney works as a collection agent for the hospital. The bill 6 weeks ago was for $ 4700 now it is $ 6700!!!

I agree. It does sound fishy. My next step is to speak directly to the hospital. I will give it until Monday before I call back since tomorrow is a holiday.

If I do really owe it, My only choice is to pay but try and get it reduced.

I may file a complaint with the hospital regarding my surgery mishap though. Maybe they will waive the remainder out of fear that I may sue.

I'm not a medical expert but I think that I have a case. I'm not lawsuit happy and I'm ok now so it never really crossed my mind.

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If it's an error then yeah. Make sure you request an itemized bill. Check the diagnoses. And you can call your insurance company and ask what wasn't covered but be prepared to be on hold a while. If you call the hospital ask for their billing Dept or better yet, go drive there and do it in person? Good luck! Keep me posted.