weltschmerz
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Post by weltschmerz on Apr 14, 2020 12:38:24 GMT -5
They go through bankruptcy and get it forgiven. So, if you're taken to a hospital that's "out of network" because it's the only one which still has beds/ventilators, you have to declare bankruptcy? I'm appalled and horrified.
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azucena
Junior Associate
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Post by azucena on Apr 14, 2020 12:45:06 GMT -5
Most of us understand that our healthcare system is very, very broken.
For DH's surgery and 13 day hospitalization in Jan, our bill was $124k, insurance wrote it down to $66k, his deductible is $800. We can't pay our bill because the hospital after 11 pages of all kinds of charges tacked on a very last $301 "miscellaneous" charge that insurance is refusing to pay for. DH made the 4th follow up call about it on Friday trying to get the hospital to either itemize it or write it off. It's a bureaucratic mess.
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Deleted
Joined: Apr 30, 2024 1:49:51 GMT -5
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Post by Deleted on Apr 14, 2020 12:47:45 GMT -5
They go through bankruptcy and get it forgiven. Exactly. The uninsured just don't pay the bill. Trump has said he's going to reimburse the hospitals for these bills out of some mystery fund (I didn't know the US had any money at all). My insurance company has already stated they will pay 100% of costs for Covid 19 testing and treatment. Right now that's just until May 31st, but they will reevaluate later.
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jerseygirl
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Post by jerseygirl on Apr 14, 2020 13:37:37 GMT -5
No, Covid treatment or testing is no cost to patient, hospital is paid at the Medicare rate even if person has no insurance Has been announced many times at many conferences
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GRG a/k/a goldenrulegirl
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"How you win matters." Ender, Ender's Game
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Post by GRG a/k/a goldenrulegirl on Apr 14, 2020 13:43:43 GMT -5
No, Covid treatment or testing is no cost to patient, hospital is paid at the Medicare rate even if person has no insurance Has been announced many times at many conferences This. So much this. NO charge for Covid-19 treatment for anyone!!! One of Trump's first announcements.
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swamp
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Don't be a fool. Call me!
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Post by swamp on Apr 14, 2020 13:44:31 GMT -5
No, Covid treatment or testing is no cost to patient, hospital is paid at the Medicare rate even if person has no insurance Has been announced many times at many conferences This. So much this. NO charge for Covid-19 treatment for anyone!!! One of Trump's first announcements. i thought he walked back the promise on the treatment, but testing is still at no cost? ' ETA: www.kff.org/uninsured/issue-brief/estimated-cost-of-treating-the-uninsured-hospitalized-with-covid-19/It looks like hospitals that treat the uninsured will be reimbursed at the Medicaid rate.
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saveinla
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Post by saveinla on Apr 14, 2020 13:45:42 GMT -5
No, Covid treatment or testing is no cost to patient, hospital is paid at the Medicare rate even if person has no insurance Has been announced many times at many conferences This. So much this. NO charge for Covid-19 treatment for anyone!!! One of Trump's first announcements. I thought it was only for the testing - not for the hospital stay.
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GRG a/k/a goldenrulegirl
Senior Associate
"How you win matters." Ender, Ender's Game
Joined: Jan 2, 2011 13:33:09 GMT -5
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Post by GRG a/k/a goldenrulegirl on Apr 14, 2020 13:46:28 GMT -5
This. So much this. NO charge for Covid-19 treatment for anyone!!! One of Trump's first announcements. i thought he walked back the promise on the treatment, but testing is still at no cost? Didn't hear that...
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jerseygirl
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Post by jerseygirl on Apr 14, 2020 13:55:21 GMT -5
No treatment and hospitals will be paid at the Medicare rate for uninsured (much higher payment than Medicaid). So no cost to patients Easy to find answer by Googling I think most (maybe all?) who are insured will have any deductible also paid so treatment (and testing) will be free The FairHealth link that Weltsmerz posted was an analysis of the COSTS for treatment, not costs that patients would pay
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saveinla
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Post by saveinla on Apr 14, 2020 13:58:55 GMT -5
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raeoflyte
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Post by raeoflyte on Apr 14, 2020 15:18:49 GMT -5
No treatment and hospitals will be paid at the Medicare rate for uninsured (much higher payment than Medicaid). So no cost to patients Easy to find answer by Googling I think most (maybe all?) who are insured will have any deductible also paid so treatment (and testing) will be free The FairHealth link that Weltsmerz posted was an analysis of the COSTS for treatment, not costs that patients would pay Who would be paying my deductible?
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Deleted
Joined: Apr 30, 2024 1:49:51 GMT -5
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Post by Deleted on Apr 14, 2020 15:23:28 GMT -5
No treatment and hospitals will be paid at the Medicare rate for uninsured (much higher payment than Medicaid). So no cost to patients Easy to find answer by Googling I think most (maybe all?) who are insured will have any deductible also paid so treatment (and testing) will be free The FairHealth link that Weltsmerz posted was an analysis of the COSTS for treatment, not costs that patients would pay Who would be paying my deductible? I know this is just my insurance, but they are paying all deductibles and copays.
COVID-19 Testing, Testing-Related Visits and Treatment
We’ve taken steps to lower costs and provide easier access to care for members related to COVID-19. Currently, if you're a BCBSTX member:
Testing: You won't pay copays, deductibles or coinsurance for medically necessary lab tests to diagnose COVID-19. Your doctor doesn’t have to ask us for the OK to test for COVID-19.
Testing-Related Visits: You won’t pay copays, deductibles or coinsurance with in-network providers for visits related to COVID-19, whether at a provider's office, urgent care clinic, emergency room or by telehealth. (Testing must be medically necessary, consistent with CDC guidance and at the direction of a doctor.)
Treatment: If you are insured by BCBSTX, you won’t pay copays, deductibles or coinsurance related to treatment for COVID-19. This applies to costs associated with COVID-19 treatment at in-network facilities and treatment for out-of-network emergencies.
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thyme4change
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Post by thyme4change on Apr 14, 2020 15:34:24 GMT -5
They go through bankruptcy and get it forgiven. So, if you're taken to a hospital that's "out of network" because it's the only one which still has beds/ventilators, you have to declare bankruptcy? I'm appalled and horrified. Yes. A huge number of our personal bankruptcies at least include medical, but often are clearly caused by medical. But, Republicans have made the case that you are a sub-par person and have broken a moral code if you declare bankruptcy, so a lot of people go through extraordinary efforts to pay off outrageous bills. The good news is you can protect a certain amount of your home's equity and your 401k is exempt from bankruptcy, so if you are smart, you don't have to fuck up your entire life by declaring BK.
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TheOtherMe
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Post by TheOtherMe on Apr 14, 2020 15:35:19 GMT -5
From what I can tell, between Medicare and my federal BCBS, everything would be covered.
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Deleted
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Post by Deleted on Apr 14, 2020 17:22:12 GMT -5
From what I can tell, between Medicare and my federal BCBS, everything would be covered. Ditto here although I don't have BCBS as a supplement but rather a Humana Medicare Advantage plan sponsored by teacher retirement. They are waiving co-pays for covid, including hospital stays. They also are authorizing tele-medicine for a period of time, which they usually don't cover. However, I take issue with everyone just saying the uninsured will just declare bankruptcy. I had physically therapy denied and was told I would have to pay $4500. I wouldn't have declared bankruptcy over $4500, but that would have taken a significant amount out of my emergency fund and I was insured! I appealed, and they agreed to cover it. The cost then dropped to a negotiated $400. I ended up paying that because I hadn't met my deductible for that plan, but it was ok. I have argued before and will again: it is so wrong to have a price 10X higher for a non-covered treatment just because insurance companies have mega negotiating power. Maybe the uninsured wouldn't be forced into bankruptcy if they could also pay just 10% like the insurance companies do.
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Deleted
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Post by Deleted on Apr 14, 2020 18:10:24 GMT -5
Based on communications from our provider of a Medicare Advantage plan, the test is free but administration of the test is not. Test administration and treatment, including hospitalization, is subject to our routine deductible, copay, and limitations. For us, this would quickly add up $50,000+ per person. Covid-19 is not treated any differently from any other illness or injury so I can't complain. Don't like it but can't find a basis to gripe.
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stillmovingforward
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Post by stillmovingforward on Apr 14, 2020 19:16:53 GMT -5
I lost my employer sponsored medical when i lost my job. Cobra is $2,100 for myself and spouse, per month. It's a good thing my unemployment is high and we are getting the extra $600 (someday). I think for most, that amount would be out of reach.
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Miss Tequila
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Post by Miss Tequila on Apr 14, 2020 20:28:31 GMT -5
I lost my employer sponsored medical when i lost my job. Cobra is $2,100 for myself and spouse, per month. It's a good thing my unemployment is high and we are getting the extra $600 (someday). I think for most, that amount would be out of reach. Jesus, I won’t complain about DF insurance costs! That’s is crazy expensive. Is it an extremely rich plan? DF has a high deductible plan
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stillmovingforward
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Post by stillmovingforward on Apr 15, 2020 8:37:04 GMT -5
It is a great plan and my former employer picked up a huge portion of the costs. But now that I'm unemployed, it hurts. I have a rare cancer and my SO has diabetes and we don't want to switch his insulin. So the best thing is to just cut back everywhere else and make the payments. It's more than my mortgage!
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