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Ooooof. I don't want to be too critical, because I'm not the author, and not in their situation, but two things: 1. Your insurance will pay for an ER visit wh
by kelnos 5mo ago
Ooooof. I don't want to be too critical, because I'm not the author, and not in their situation, but two things:
1. Your insurance will pay for an ER visit wherever you are (in the US; the author mentions having a California-based ACA plan). Assuming your plan covers emergency services, they're required to cover ER visits at in-network rates wherever you are in the US, even if the hospital/staff are out-of-network for your plan. I'm not sure if the author is unaware of this, or if the issue is that their insurance will only cover a percentage of emergency care costs in general, and the remaining percentage can of course be a lot of money. I assume it's actually the latter, but I think this is good information for people to have in general. If you have an actual emergency when you're not near home, get yourself to an ER.
Which leads me to one caveat: don't take an ambulance if you can help it; so many ambulance companies[0] in the US do not take insurance, or engage in other fucked-up shenanigans that mean you could be on the hook for thousands of dollars for a 10-minute ride to a hospital.
2. I get not wanting to make waves or get angry at a customer service person who you need to be on good terms with for a piece of equipment that literally keeps you alive. But! "I'm not at my home address and won't be until $DATE. I need you to overnight the new pump to a different address: $ADDRESS." If they balk, ask to speak to their supervisor. If they won't do that, hang up and call back; often getting a different person on the phone can do wonders for your success rate.
[0] Yes, many ambulance services in the US are run by independent companies that aren't even affiliated with the hospitals they might take you to, instead of being run by a hospital or other local municipal emergency services. When you call 911, you never know who is going to be dispatched to respond to your call.
- codingdave 5mo agoYour insurance will not necessarily pay the full cost of ER visits. Some plans have co-pays in the range of hundreds of dollars. High deductible plans might make you eat the full cost if you have not already had a lot of medical expenses this year. Just having insurance does not mean you won't get destroyed by bills... all it means is there is a max limit on the destruction.