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Half of children are covered by Medicaid and there would be zero copay. It is a great program that has saved and improved many lives. The ER might bill $6k for
by gnopgnip 4y ago
Half of children are covered by Medicaid and there would be zero copay. It is a great program that has saved and improved many lives.
The ER might bill $6k for a cut requiring stitches, but most people have insurance, they will have a lower negotiated rate. A typical copay with insurance is more like $250, plus another $10-$20 copay to pickup medication.
Something not immediately life threatening like a cut requiring stitches could go to urgent care, they might bill $400, and your copay is under $100.
- denimnerd42 4y agoWell. We have insurance. The insurance is also for emergency situations. It's high-ded at 3000 and the out of pocket max is something like 12,000. So yeah one ER trip a year is going to cost me 3000-12,000+. Urgent care is great in theory but I've not had great experiences. I'll also be paying the complete bill there too so 400+ which is fine. The problem is if they are too scared then it will be the $200 plus an ER bill and I'm back to where I started.
- briffle 4y agoIt bothers me to no end that the cash price I pay is drastically higher than the cost the insurance company pays. especially since insurance is a royal pain to deal with, and requires specialists for billing, etc. But then again, I can't believe hospitals don't have to have a 'menu' on their web site that shows their cash and average insurance cost of their 20 most common procedures. I know almost nobody pays cash price, but I don't want my medical care to be treated like Kohls or JC Pennys where they show me a $7 t-shirt is "regularly $27" so I feel like i'm saving, even though we both know they never, EVER charged $27 for that t-shirt..
- schemescape 4y agoPlus deductible and coinsurance, which which are often much more…